/* CreditScopes — Experian Trust theme
   Deep blue + fuchsia accent + serif headlines.
   Single shared stylesheet for all pages.
   Section order: reset, vars, base, layout, header, hero, gauge, niches,
                  features, dual-CTA, sticky-CTA, modal, forms, footer,
                  utilities, responsive.
*/

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { font-family: var(--font-body); font-size: 16px; line-height: 1.55; color: var(--ink); background: var(--bg); -webkit-font-smoothing: antialiased; }
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--pink); }
button { font: inherit; cursor: pointer; }
ul, ol { list-style: none; }
hr { border: 0; border-top: 1px solid var(--line); margin: 24px 0; }

/* ---------- Vars ---------- */
:root {
  /* Brand — Experian Trust (LOCKED) */
  --blue:       #1E3A8A;
  --blue-dark:  #162A6B;
  --blue-soft:  #EEF2FB;
  --pink:       #E91E63;
  --pink-dark:  #C2185B;
  --ink:        #0F172A;
  --slate:      #475569;
  --line:       #E2E8F0;
  --bg:         #FFFFFF;
  --surface-2:  #F8FAFF;

  --c-success:  #15803D;
  --c-danger:   #B91C1C;

  --container:        1200px;
  --container-narrow: 760px;

  --radius-btn:  6px;
  --radius-card: 14px;
  --radius-card-lg: 18px;
  --radius-pill: 999px;

  --font-body:    'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --font-display: 'Fraunces', Georgia, serif;

  --shadow-sm:   0 1px 2px rgba(15,23,42,.06);
  --shadow-md:   0 12px 30px -12px rgba(30,58,138,.18);
  --shadow-card: 0 30px 80px -30px rgba(30,58,138,.25);
}

/* ---------- Base typography ---------- */
h1, h2, h3, h4, h5 { font-family: var(--font-display); font-weight: 700; line-height: 1.1; letter-spacing: -0.02em; color: var(--ink); margin: 0 0 0.5em; }
h1 { font-size: clamp(2.25rem, 4.4vw, 4rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.25rem); }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.05rem; }
h5 { font-family: var(--font-body); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; }
p  { margin: 0 0 1em; color: var(--slate); }
strong { font-weight: 700; color: var(--ink); }
.tabular { font-variant-numeric: tabular-nums; }

/* ---------- A11y ---------- */
.skip-link { position: absolute; top: -40px; left: 0; background: var(--ink); color: #fff; padding: 8px 16px; z-index: 999; }
.skip-link:focus { top: 0; }
:focus-visible { outline: 3px solid var(--pink); outline-offset: 2px; border-radius: 4px; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; animation-iteration-count: 1 !important; }
  .gauge-arc-fill { stroke-dashoffset: 90 !important; animation: none !important; }
}

/* ---------- Layout ---------- */
.wrap, .container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 60px 0; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 24px; border-radius: var(--radius-btn); font-weight: 600; font-size: 0.95rem; border: 1px solid transparent; text-decoration: none; transition: background .15s, border-color .15s, color .15s, transform .15s; min-height: 44px; white-space: nowrap; cursor: pointer; }
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--pink); color: #fff; border-color: var(--pink); }
.btn-primary:hover { background: var(--pink-dark); border-color: var(--pink-dark); color: #fff; }
.btn-ghost   { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-ghost:hover { background: var(--blue-soft); color: var(--blue); }
.btn-secondary { background: #fff; color: var(--ink); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--blue); color: var(--blue); }
.btn-block { width: 100%; }
.btn-sm { padding: 8px 16px; font-size: 0.85rem; min-height: 36px; }
.btn-lg { padding: 14px 28px; font-size: 1.0rem; }

/* ---------- Header ---------- */
.cs-nav { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 100; }
.cs-nav-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 16px 24px; max-width: var(--container); margin: 0 auto; }
.cs-logo { display: inline-flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.15rem; letter-spacing: -0.015em; color: var(--ink); text-decoration: none; }
.cs-logo:hover { color: var(--ink); text-decoration: none; }
.cs-mark { width: 30px; height: 30px; background: var(--blue); border-radius: 8px; display: inline-flex; align-items: center; justify-content: center; color: #fff; font-weight: 800; font-size: 13px; font-family: var(--font-display); flex-shrink: 0; }
.cs-nav-links { display: flex; gap: 28px; align-items: center; }
.cs-nav-links a { color: var(--ink); font-weight: 500; font-size: 0.93rem; }
.cs-nav-links a:hover { color: var(--pink); }
.cs-nav-links a[aria-current="page"] { color: var(--blue); font-weight: 600; }
.cs-nav-cta { flex-shrink: 0; }
.cs-nav-toggle { display: none; background: transparent; border: 1px solid var(--line); border-radius: var(--radius-btn); padding: 8px; color: var(--ink); }

/* ---------- Hero ---------- */
.hero { padding: 90px 0 80px; background: linear-gradient(180deg, var(--surface-2) 0%, #FFFFFF 70%); position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; width: 520px; height: 520px; background: radial-gradient(circle, rgba(233,30,99,.06) 0%, transparent 70%); right: -120px; top: -100px; border-radius: 50%; pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 70px; align-items: center; position: relative; z-index: 1; }
.hero h1 { margin-bottom: 22px; }
.hero h1 .accent { color: var(--pink); font-style: italic; font-weight: 500; }
.hero .lead { font-size: 1.15rem; line-height: 1.55; color: var(--slate); max-width: 540px; margin-bottom: 32px; }
.hero-ctas { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }
.cs-badge { display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--line); padding: 8px 14px; border-radius: var(--radius-btn); font-weight: 600; font-size: 0.8rem; color: var(--blue); margin-bottom: 24px; }
.cs-badge .pin { width: 6px; height: 6px; background: var(--pink); border-radius: 50%; display: inline-block; }
.hero-stats { display: flex; gap: 40px; margin-top: 42px; padding-top: 30px; border-top: 1px solid var(--line); flex-wrap: wrap; }
.hero-stat .n { font-family: var(--font-display); font-size: 1.75rem; font-weight: 700; color: var(--blue); font-variant-numeric: tabular-nums; line-height: 1.1; }
.hero-stat .l { font-size: 0.8rem; color: var(--slate); font-weight: 500; margin-top: 4px; }

/* ---------- Gauge card ---------- */
.gauge-wrap { position: relative; }
.gauge-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card-lg); padding: 36px; box-shadow: var(--shadow-card); position: relative; }
.gauge-card .head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; }
.gauge-card .h-l { font-size: 0.78rem; color: var(--slate); text-transform: uppercase; letter-spacing: .08em; font-weight: 600; }
.gauge-card .h-d { font-size: 0.78rem; color: var(--pink); font-weight: 600; }
.gauge-svg { display: block; margin: 0 auto; width: 100%; max-width: 300px; height: auto; }
.gauge-arc-fill { stroke-dasharray: 200; stroke-dashoffset: 200; animation: gaugeFill 1.6s ease-out forwards .2s; }
@keyframes gaugeFill { to { stroke-dashoffset: 50; } }
.gauge-num { font-family: var(--font-display); font-size: 4rem; font-weight: 700; line-height: 1; text-align: center; font-variant-numeric: tabular-nums; color: var(--blue); margin-top: -90px; position: relative; z-index: 2; }
.gauge-rank { text-align: center; font-size: 0.93rem; color: var(--slate); font-weight: 500; margin-top: 6px; }
.gauge-rank b { color: var(--ink); font-weight: 700; }
.factors { margin-top: 30px; padding-top: 24px; border-top: 1px solid var(--line); }
.factor { display: grid; grid-template-columns: 130px 1fr 50px; align-items: center; gap: 16px; padding: 8px 0; }
.factor .fk { font-size: 0.83rem; color: var(--slate); font-weight: 500; }
.factor .fb { height: 6px; background: var(--line); border-radius: var(--radius-pill); overflow: hidden; }
.factor .fb .ff { height: 100%; background: var(--blue); border-radius: var(--radius-pill); transition: width .8s ease-out; }
.factor .fb .ff.pink { background: var(--pink); }
.factor .fv { font-size: 0.83rem; font-weight: 700; color: var(--ink); text-align: right; font-variant-numeric: tabular-nums; }

/* ---------- Section heads ---------- */
.section-head { text-align: center; margin-bottom: 48px; }
.section-head .eyebrow { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--pink); margin-bottom: 10px; display: block; }
.section-head h2 { margin: 0 auto 12px; max-width: 720px; }
.section-head .sub { font-size: 1.05rem; color: var(--slate); max-width: 600px; margin: 0 auto; }

/* ---------- Trust strip (placeholder count) ---------- */
.trust-count-strip { background: var(--blue-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 22px 0; text-align: center; font-weight: 600; color: var(--blue); font-size: 0.93rem; }
.trust-count-strip .pin { width: 6px; height: 6px; background: var(--pink); border-radius: 50%; display: inline-block; margin-right: 8px; vertical-align: middle; }

/* ---------- Niche cards ---------- */
.niche-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.niche-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); padding: 28px; text-decoration: none; color: var(--ink); display: flex; flex-direction: column; gap: 14px; transition: transform .2s, box-shadow .2s, border-color .2s; }
.niche-card:hover { transform: translateY(-3px); border-color: var(--blue); box-shadow: var(--shadow-md); text-decoration: none; color: var(--ink); }
.niche-card .niche-icon-wrap { width: 48px; height: 48px; background: var(--blue-soft); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--blue); }
.niche-card .niche-icon-wrap svg { width: 24px; height: 24px; }
.niche-card h3 { font-size: 1.15rem; margin: 0; }
.niche-card .niche-desc { font-size: 0.9rem; color: var(--slate); margin: 0; }
.niche-card .niche-arrow { margin-top: auto; color: var(--pink); font-weight: 600; font-size: 0.88rem; display: inline-flex; align-items: center; gap: 4px; }

/* ---------- Features row ---------- */
.features-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-item { padding: 30px; border: 1px solid var(--line); border-radius: var(--radius-card); transition: border-color .2s, box-shadow .2s, transform .2s; background: #fff; }
.feature-item:hover { border-color: var(--blue); box-shadow: var(--shadow-md); }
.feature-item .ic { width: 48px; height: 48px; background: var(--blue-soft); border-radius: 10px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; color: var(--blue); }
.feature-item .ic svg { width: 24px; height: 24px; }
.feature-item h3 { font-size: 1.1rem; margin-bottom: 8px; }
.feature-item p { font-size: 0.92rem; color: var(--slate); line-height: 1.6; margin: 0; }

/* ---------- Dual-CTA strip ---------- */
.dual-cta { background: var(--blue-soft); padding: 60px 0; border-top: 1px solid var(--line); }
.dual-cta .section-head { margin-bottom: 32px; }
.dual-cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.dual-cta-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); padding: 28px; display: flex; flex-direction: column; gap: 10px; text-decoration: none; color: var(--ink); transition: transform .15s, box-shadow .15s, border-color .15s; }
.dual-cta-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--blue); text-decoration: none; color: var(--ink); }
.dual-cta-card .cta-eyebrow { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--slate); font-weight: 700; }
.dual-cta-card h3 { margin: 0; font-size: 1.2rem; }
.dual-cta-card p { margin: 0; color: var(--slate); font-size: 0.95rem; }
.dual-cta-card .cta-link { margin-top: auto; color: var(--pink); font-weight: 600; display: inline-flex; align-items: center; gap: 4px; }

/* ---------- Sticky CTA (bottom-right after 50% scroll) ---------- */
.sticky-cta { display: none; position: fixed; bottom: 24px; right: 24px; z-index: 80; box-shadow: 0 12px 30px -8px rgba(30,58,138,.35); border-radius: var(--radius-btn); }
.sticky-cta.is-active { display: inline-flex; }
.sticky-cta .btn { box-shadow: none; }
@media (max-width: 720px) {
  .sticky-cta { left: 16px; right: 16px; bottom: 16px; }
  .sticky-cta .btn { width: 100%; }
  body.has-sticky-cta { padding-bottom: 80px; }
}

/* ---------- Modal ---------- */
.modal-backdrop { position: fixed; inset: 0; background: rgba(15,23,42,.55); display: none; align-items: center; justify-content: center; z-index: 200; padding: 16px; animation: fadeIn .2s ease-out; }
.modal-backdrop.is-open { display: flex; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.modal { background: #fff; border-radius: var(--radius-card-lg); padding: 32px; max-width: 460px; width: 100%; position: relative; box-shadow: 0 30px 80px -10px rgba(15,23,42,.35); }
.modal-close { position: absolute; top: 12px; right: 12px; background: transparent; border: none; color: var(--slate); width: 36px; height: 36px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; }
.modal-close:hover { background: var(--blue-soft); color: var(--blue); }
.modal h3 { margin: 0 0 8px; }
.modal p { color: var(--slate); margin: 0 0 20px; }
.modal .form-group { margin-bottom: 14px; }
.modal label { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 6px; color: var(--ink); }
.modal input, .modal select { width: 100%; padding: 12px 14px; font: inherit; border: 1px solid var(--line); border-radius: var(--radius-btn); background: #fff; color: var(--ink); }
.modal input:focus, .modal select:focus { outline: 2px solid var(--blue); border-color: var(--blue); }
.modal .modal-fineprint { font-size: 0.75rem; color: var(--slate); margin-top: 12px; margin-bottom: 0; }
.modal .modal-dismiss { display: block; margin: 12px auto 0; background: transparent; border: none; color: var(--slate); font-size: 0.85rem; text-decoration: underline; }
.modal.is-exit { max-width: 520px; padding: 36px; text-align: center; }

/* ---------- Forms ---------- */
.apply-shell { background: var(--surface-2); min-height: 100vh; padding: 24px 0 60px; }
.apply-card  { max-width: 720px; margin: 24px auto; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card-lg); padding: 36px; box-shadow: var(--shadow-md); }
.apply-progress { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.apply-progress-text { font-size: 0.85rem; color: var(--slate); font-weight: 600; }
.apply-progress-bar  { flex: 1; height: 6px; background: var(--blue-soft); border-radius: var(--radius-pill); margin: 0 16px; overflow: hidden; }
.apply-progress-fill { height: 100%; background: var(--blue); width: 0%; transition: width .3s; }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h2 { margin-bottom: 8px; font-size: 1.5rem; }
.form-step .step-sub { color: var(--slate); margin-bottom: 24px; }
.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 24px; }
.choice-grid.cols-1 { grid-template-columns: 1fr; }
.choice-tile { display: block; padding: 16px 18px; background: #fff; border: 2px solid var(--line); border-radius: var(--radius-btn); cursor: pointer; transition: border-color .15s, background .15s; font-weight: 600; color: var(--ink); position: relative; }
.choice-tile:hover { border-color: var(--blue); background: var(--blue-soft); }
.choice-tile input { position: absolute; opacity: 0; pointer-events: none; }
.choice-tile.selected { border-color: var(--blue); background: var(--blue-soft); color: var(--blue); }
.choice-tile .tile-sub { display: block; font-weight: 400; font-size: 0.85rem; color: var(--slate); margin-top: 4px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-grid .full { grid-column: 1 / -1; }
.form-field { margin-bottom: 14px; }
.form-field label { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 6px; color: var(--ink); }
.form-field input, .form-field select { width: 100%; padding: 12px 14px; font: inherit; border: 1px solid var(--line); border-radius: var(--radius-btn); background: #fff; }
.form-field input:focus, .form-field select:focus { outline: 2px solid var(--blue); border-color: var(--blue); }
.form-field-error { color: var(--c-danger); font-size: 0.85rem; margin-top: 4px; display: none; }
.form-field.has-error input, .form-field.has-error select { border-color: var(--c-danger); }
.form-field.has-error .form-field-error { display: block; }
.tcpa-block { background: var(--blue-soft); padding: 16px; border-radius: var(--radius-btn); font-size: 0.8rem; color: var(--slate); margin: 16px 0; }
.tcpa-block label { display: flex; gap: 10px; align-items: flex-start; cursor: pointer; }
.tcpa-block input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; }
.form-actions { display: flex; gap: 12px; justify-content: space-between; align-items: center; margin-top: 24px; }
.form-actions .btn-back { background: transparent; border: none; color: var(--slate); font-weight: 600; padding: 12px 16px; }
.form-success { display: none; text-align: center; padding: 48px 24px; }
.form-success.is-active { display: block; }
.form-success .success-icon { color: var(--c-success); width: 64px; height: 64px; margin: 0 auto 16px; }

/* ---------- Inline email ---------- */
.email-inline { background: var(--blue-soft); border: 1px solid var(--line); border-radius: var(--radius-card-lg); padding: 36px; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: center; }
.email-inline h3 { margin-bottom: 8px; }
.email-inline p  { color: var(--slate); margin: 0; }
.email-inline form { display: flex; gap: 8px; }
.email-inline input { flex: 1; padding: 14px 16px; font: inherit; border: 1px solid var(--line); border-radius: var(--radius-btn); background: #fff; }
.email-inline input:focus { outline: 2px solid var(--blue); border-color: var(--blue); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-list details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); margin-bottom: 12px; transition: border-color .15s; }
.faq-list details[open] { border-color: var(--blue); }
.faq-list summary { list-style: none; cursor: pointer; padding: 18px 22px; font-weight: 600; color: var(--ink); display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; font-size: 1.4rem; color: var(--pink); font-weight: 400; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list .faq-body { padding: 0 22px 18px; color: var(--slate); }

/* ---------- Offer-wall slot ---------- */
.offerwall-slot { min-height: 320px; background: #fff; border: 1px dashed var(--line); border-radius: var(--radius-card); padding: 48px 24px; text-align: center; color: var(--slate); display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 8px; }
.offerwall-slot[data-loaded="true"] { background: transparent; border: none; padding: 0; min-height: 0; display: block; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: rgba(255,255,255,.65); padding: 56px 0 24px; margin-top: 80px; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 32px; padding: 0 24px; max-width: var(--container); margin: 0 auto; }
.footer-brand { color: rgba(255,255,255,.85); }
.footer-brand .footer-logo { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: #fff; margin-bottom: 8px; display: block; }
.footer-brand .footer-tagline { font-size: 0.92rem; color: rgba(255,255,255,.55); margin-bottom: 16px; }
.footer-brand p { color: rgba(255,255,255,.55); font-size: 0.85rem; line-height: 1.6; margin: 0; }
.footer-col h5 { color: #fff; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 14px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 8px; }
.footer-col a  { color: rgba(255,255,255,.65); font-size: 0.9rem; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom { margin-top: 36px; padding: 24px; border-top: 1px solid rgba(255,255,255,.08); max-width: var(--container); margin-left: auto; margin-right: auto; font-size: 0.78rem; color: rgba(255,255,255,.5); }
.footer-bottom a { color: rgba(255,255,255,.7); }
.footer-disclaimer { max-width: 100%; line-height: 1.6; }

/* ---------- Utilities ---------- */
.text-muted   { color: var(--slate); }
.text-center  { text-align: center; }
.icon-sm { width: 16px; height: 16px; }
.icon-md { width: 20px; height: 20px; }
.icon-lg { width: 24px; height: 24px; }
.mt-0 { margin-top: 0; } .mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 32px; }
.mb-0 { margin-bottom: 0; } .mb-1 { margin-bottom: 8px; } .mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; } .mb-4 { margin-bottom: 32px; }
.divider { border: 0; border-top: 1px solid var(--line); margin: 32px 0; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .niche-grid { grid-template-columns: repeat(2, 1fr); }
  .features-row { grid-template-columns: 1fr; gap: 16px; }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; }
}
@media (max-width: 880px) {
  .hero { padding: 60px 0 50px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-stats { gap: 24px; margin-top: 32px; padding-top: 22px; }
  .cs-nav-links { display: none; }
  .cs-nav-toggle { display: inline-flex; align-items: center; }
  .cs-nav-cta { display: none; }
  .cs-nav-links.is-open {
    display: flex; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0; padding: 12px 24px;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-sm);
  }
  .cs-nav-links.is-open li a { padding: 12px 8px; border-bottom: 1px solid var(--line); display: block; }
  .niche-grid { grid-template-columns: 1fr; }
  .dual-cta-grid { grid-template-columns: 1fr; }
  .email-inline { grid-template-columns: 1fr; padding: 24px; }
  .email-inline form { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .gauge-card { padding: 24px; }
  .gauge-num { font-size: 3rem; }
  .factor { grid-template-columns: 110px 1fr 44px; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 60px 0; }
  .form-grid { grid-template-columns: 1fr; }
  .choice-grid { grid-template-columns: 1fr; }
}

/* ========================================================================== */
/* Phase 2 additions — niche page + apply page + welcome-back + lender cards  */
/* ========================================================================== */

/* Breadcrumb */
.cs-crumb { padding: 14px 0 0; font-size: 0.85rem; color: var(--slate); }
.cs-crumb a { color: var(--slate); }
.cs-crumb a:hover { color: var(--blue); }
.cs-crumb .sep { margin: 0 8px; color: var(--line); }

/* Niche-page hero (calmer than homepage) */
.niche-hero { padding: 70px 0 60px; background: linear-gradient(180deg, var(--surface-2) 0%, #FFFFFF 80%); position: relative; overflow: hidden; animation: csFadeUp .5s ease-out both; }
.niche-hero::after { content: ""; position: absolute; width: 420px; height: 420px; background: radial-gradient(circle, rgba(233,30,99,.05) 0%, transparent 70%); right: -100px; top: -80px; border-radius: 50%; pointer-events: none; }
.niche-hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.niche-hero h1 { margin-bottom: 18px; }
.niche-hero h1 .accent { color: var(--pink); font-style: italic; font-weight: 500; }
.niche-hero .lead { font-size: 1.1rem; color: var(--slate); margin-bottom: 28px; max-width: 540px; }
.niche-hero-visual { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card-lg); padding: 40px; box-shadow: var(--shadow-card); display: flex; align-items: center; justify-content: center; min-height: 280px; }
.niche-hero-visual svg { width: 100%; max-width: 240px; height: auto; color: var(--blue); }
.niche-hero-visual .accent-stroke { stroke: var(--pink); }

@keyframes csFadeUp { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* How-it-works numbered row */
.howit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.howit-step { padding: 28px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); }
.howit-step .step-num { width: 36px; height: 36px; border-radius: var(--radius-pill); background: var(--blue); color: #fff; font-family: var(--font-display); font-weight: 700; display: inline-flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.howit-step h4 { margin: 0 0 6px; font-size: 1.05rem; }
.howit-step p { margin: 0; font-size: 0.92rem; color: var(--slate); }

/* Lender cards (offer wall + manual list) */
.lender-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-top: 24px; }
.lender-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); padding: 24px; display: flex; flex-direction: column; gap: 12px; transition: border-color .15s, box-shadow .15s, transform .15s; }
.lender-card:hover { border-color: var(--blue); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.lender-card .lc-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.lender-card .lc-name { font-family: var(--font-display); font-size: 1.15rem; font-weight: 700; color: var(--ink); margin: 0; }
.lender-card .lc-price { font-family: var(--font-display); font-size: 1.05rem; font-weight: 700; color: var(--blue); white-space: nowrap; font-variant-numeric: tabular-nums; }
.lender-card .lc-blurb { font-size: 0.93rem; color: var(--slate); margin: 0; line-height: 1.55; }
.lender-card .lc-badges { display: flex; flex-wrap: wrap; gap: 6px; }
.lender-card .lc-badge { background: var(--blue-soft); color: var(--blue); font-size: 0.72rem; font-weight: 600; padding: 4px 10px; border-radius: var(--radius-pill); }
.lender-card .lc-foot { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: auto; padding-top: 10px; border-top: 1px solid var(--line); }
.lender-card .lc-stars { color: var(--pink); font-size: 0.9rem; letter-spacing: 1px; }
.lender-card .lc-stars .num { color: var(--slate); font-weight: 600; margin-left: 4px; font-size: 0.83rem; }
.lender-disclaimer { font-size: 0.78rem; color: var(--slate); margin-top: 18px; line-height: 1.55; }

/* Solo offer (welcome-back) */
.solo-offer { background: #fff; border: 1px solid var(--blue); border-radius: var(--radius-card-lg); padding: 36px; box-shadow: var(--shadow-card); display: grid; grid-template-columns: 1.4fr 1fr; gap: 28px; align-items: center; }
.solo-offer .so-eyebrow { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--pink); display: block; margin-bottom: 8px; }
.solo-offer h2 { margin: 0 0 8px; font-size: 1.7rem; }
.solo-offer .so-blurb { font-size: 1rem; color: var(--slate); margin-bottom: 14px; }
.solo-offer .so-side { background: var(--blue-soft); border-radius: var(--radius-card); padding: 24px; text-align: center; }
.solo-offer .so-price { font-family: var(--font-display); font-size: 2rem; font-weight: 700; color: var(--blue); font-variant-numeric: tabular-nums; line-height: 1.1; margin-bottom: 6px; }
.solo-offer .so-rating { color: var(--pink); font-size: 0.95rem; margin-bottom: 14px; }
.solo-offer .so-rating .num { color: var(--slate); font-size: 0.83rem; margin-left: 4px; font-weight: 600; }
.solo-offer .so-badges { display: flex; flex-wrap: wrap; gap: 6px; margin: 12px 0 0; }
.solo-offer .so-badges span { background: var(--blue-soft); color: var(--blue); font-size: 0.72rem; font-weight: 600; padding: 4px 10px; border-radius: var(--radius-pill); }

/* Apply page hero (compact) */
.apply-hero { text-align: center; padding: 36px 0 18px; }
.apply-hero h1 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 10px; }
.apply-hero p { font-size: 1rem; color: var(--slate); margin-bottom: 16px; }
.apply-trust { display: inline-flex; flex-wrap: wrap; gap: 18px; justify-content: center; font-size: 0.83rem; color: var(--slate); font-weight: 600; }
.apply-trust span { display: inline-flex; align-items: center; gap: 6px; }
.apply-trust svg { width: 16px; height: 16px; color: var(--blue); }
.apply-aside-trust { background: var(--surface-2); border: 1px solid var(--line); border-radius: var(--radius-card); padding: 18px 22px; margin: 24px auto 0; max-width: 720px; font-size: 0.85rem; color: var(--slate); text-align: center; line-height: 1.55; }

/* Misc helpers */
.section-head.left { text-align: left; }
.section-head.left h2, .section-head.left .sub { margin-left: 0; margin-right: 0; }
.eyebrow { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--pink); margin-bottom: 10px; display: block; }

/* Responsive Phase 2 */
@media (max-width: 1024px) {
  .lender-grid { grid-template-columns: 1fr; }
  .howit-grid { grid-template-columns: 1fr; }
}
@media (max-width: 880px) {
  .niche-hero { padding: 50px 0 40px; }
  .niche-hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .niche-hero-visual { padding: 28px; min-height: 220px; }
  .solo-offer { grid-template-columns: 1fr; padding: 24px; }
}

/* ========================================================================== */
/* Phase 3 additions — blog · calculators · ancillary · best-of · prose pages */
/* ========================================================================== */

/* Prose (blog post, legal, editorial-policy) */
.prose { max-width: 720px; margin: 0 auto; padding: 0 24px; font-size: 1.02rem; line-height: 1.75; color: var(--ink); }
.prose p, .prose ul, .prose ol, .prose blockquote { margin-bottom: 1.1em; color: var(--slate); }
.prose h2 { font-family: var(--font-display); font-size: 1.6rem; margin: 2.2em 0 .6em; color: var(--ink); }
.prose h3 { font-family: var(--font-display); font-size: 1.2rem; margin: 1.6em 0 .4em; color: var(--ink); }
.prose ul, .prose ol { padding-left: 1.4em; }
.prose ul li, .prose ol li { margin-bottom: .4em; list-style: disc; }
.prose ol li { list-style: decimal; }
.prose blockquote { border-left: 3px solid var(--pink); padding: .2em 0 .2em 1.1em; color: var(--ink); font-style: italic; }
.prose a { color: var(--blue); text-decoration: underline; }
.prose a:hover { color: var(--pink); }
.prose code { background: var(--blue-soft); padding: 2px 6px; border-radius: 4px; font-size: .9em; }

/* Blog */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.blog-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); padding: 26px; display: flex; flex-direction: column; gap: 12px; text-decoration: none; color: var(--ink); transition: transform .15s, border-color .15s, box-shadow .15s; }
.blog-card:hover { transform: translateY(-2px); border-color: var(--blue); box-shadow: var(--shadow-md); color: var(--ink); text-decoration: none; }
.blog-card h3 { font-size: 1.1rem; margin: 0; }
.blog-card .blog-excerpt { font-size: .92rem; color: var(--slate); margin: 0; }
.blog-card .blog-meta { font-size: .78rem; color: var(--slate); margin-top: auto; display: flex; gap: 10px; align-items: center; }
.blog-pill { display: inline-block; font-size: .7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: var(--radius-pill); background: var(--blue-soft); color: var(--blue); }
.blog-pill.is-pink { background: rgba(233,30,99,.10); color: var(--pink-dark); }

/* Article shell */
.article-meta { font-size: .85rem; color: var(--slate); margin: 8px 0 24px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.article-meta .dot { margin: 0 8px; color: var(--line); }
.article-layout { display: grid; grid-template-columns: 1fr; gap: 40px; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 1024px) {
  .article-layout { grid-template-columns: 220px 1fr; gap: 56px; }
  .article-toc { position: sticky; top: 90px; align-self: start; font-size: .85rem; }
}
.article-toc ul { display: flex; flex-direction: column; gap: 8px; padding-left: 0; border-left: 2px solid var(--line); }
.article-toc li { list-style: none; padding-left: 14px; }
.article-toc a { color: var(--slate); }
.article-toc a:hover { color: var(--blue); }
.article-toc h5 { color: var(--ink); margin-bottom: 12px; }

.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 40px; }
@media (max-width: 880px) { .related-grid, .blog-grid { grid-template-columns: 1fr; } }

/* Card / generic */
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); padding: 24px; }
.card.is-muted { background: var(--surface-2); color: var(--slate); }
.card-grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.card-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card-grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 880px) { .card-grid-2, .card-grid-3, .card-grid-4 { grid-template-columns: 1fr; } }

/* Calculators */
.calc-shell { max-width: 820px; margin: 0 auto; padding: 0 24px; }
.calc-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card-lg); padding: 32px; box-shadow: var(--shadow-md); margin-bottom: 24px; }
.calc-result { background: var(--blue-soft); border-radius: var(--radius-card); padding: 24px; text-align: center; margin-top: 18px; }
.calc-result .big { font-family: var(--font-display); font-size: 2.4rem; font-weight: 700; color: var(--blue); font-variant-numeric: tabular-nums; line-height: 1; }
.calc-result .big.is-red { color: var(--c-danger); }
.calc-result .big.is-amber { color: #B45309; }
.calc-result .big.is-pink { color: var(--pink); }
.calc-result .lbl { font-size: .85rem; color: var(--slate); margin-top: 8px; }
.util-row { display: grid; grid-template-columns: 1.4fr 1fr 1fr 36px; gap: 10px; align-items: end; padding: 10px 0; border-bottom: 1px dashed var(--line); }
.util-row .util-bar { grid-column: 1 / -1; height: 8px; background: var(--line); border-radius: var(--radius-pill); overflow: hidden; margin-top: 8px; position: relative; }
.util-row .util-bar .ub-fill { height: 100%; background: var(--blue); border-radius: var(--radius-pill); transition: width .3s; }
.util-row .util-bar .ub-fill.is-amber { background: #D97706; }
.util-row .util-bar .ub-fill.is-red { background: var(--c-danger); }
.util-row .util-bar::before, .util-row .util-bar::after { content: ""; position: absolute; top: -3px; bottom: -3px; width: 1px; background: var(--ink); opacity: .25; }
.util-row .util-bar::before { left: 10%; }
.util-row .util-bar::after  { left: 30%; }
.util-row .row-remove { background: transparent; border: 1px solid var(--line); border-radius: 6px; color: var(--slate); width: 36px; height: 40px; display: inline-flex; align-items: center; justify-content: center; }
.util-row .row-remove:hover { color: var(--c-danger); border-color: var(--c-danger); }
@media (max-width: 720px) { .util-row { grid-template-columns: 1fr 1fr 36px; } .util-row .row-name { grid-column: 1 / -1; } }

/* Disclaimer band */
.disclaimer-band { background: var(--surface-2); border: 1px solid var(--line); border-radius: var(--radius-card); padding: 16px 20px; font-size: .82rem; color: var(--slate); line-height: 1.6; margin-top: 18px; }

/* Best-of ranked */
.rank-list { display: flex; flex-direction: column; gap: 18px; }
.rank-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); padding: 24px; display: grid; grid-template-columns: 64px 1fr auto; gap: 20px; align-items: center; }
.rank-card .rank-num { font-family: var(--font-display); font-size: 2.2rem; font-weight: 700; color: var(--blue); width: 64px; height: 64px; border-radius: 50%; background: var(--blue-soft); display: flex; align-items: center; justify-content: center; }
.rank-card.is-1 .rank-num { background: var(--pink); color: #fff; }
.rank-card .rank-name { font-family: var(--font-display); font-size: 1.15rem; font-weight: 700; margin: 0 0 4px; }
.rank-card .rank-blurb { font-size: .9rem; color: var(--slate); margin: 0; }
.rank-card .rank-meta { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 8px; }
.rank-card .rank-meta span { font-size: .72rem; font-weight: 600; padding: 3px 9px; border-radius: var(--radius-pill); background: var(--blue-soft); color: var(--blue); }
@media (max-width: 720px) { .rank-card { grid-template-columns: 1fr; text-align: center; } .rank-card .rank-num { margin: 0 auto; } }

.compare-table { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-card); overflow: hidden; }
.compare-table th, .compare-table td { padding: 14px 16px; text-align: left; font-size: .9rem; border-bottom: 1px solid var(--line); }
.compare-table th { background: var(--blue-soft); color: var(--blue); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .04em; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table .num { font-variant-numeric: tabular-nums; }
.table-wrap { overflow-x: auto; }

/* Contact form on contact page */
.contact-form { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; max-width: 720px; margin: 0 auto; }
.contact-form .full { grid-column: 1 / -1; }
.contact-form textarea { width: 100%; padding: 12px 14px; font: inherit; border: 1px solid var(--line); border-radius: var(--radius-btn); background: #fff; min-height: 140px; resize: vertical; }
.contact-form textarea:focus { outline: 2px solid var(--blue); border-color: var(--blue); }
@media (max-width: 720px) { .contact-form { grid-template-columns: 1fr; } }

/* 404 */
.cs-404-num { font-family: var(--font-display); font-size: clamp(5rem, 14vw, 9rem); line-height: 1; font-weight: 700; color: var(--blue); font-variant-numeric: tabular-nums; margin: 0; }