/* 90 Day Credit Experts — Credit Education */
:root {
  --red: #c8102e;
  --red-dark: #a50d26;
  --red-tint: #fbeef0;
  --ink: #1f1f1f;
  --ink-soft: #4a4a4a;
  --muted: #6b6b6b;
  --bg: #faf8f5;
  --paper: #ffffff;
  --sand: #f2eee8;
  --line: #e4ded5;
  --ok: #2f6f4f;
  --pending: #fff6d6;
  --pending-line: #e8cf73;
  --measure: 680px;
  --wide: 1040px;
  --radius: 10px;
  --heading: "Raleway", system-ui, sans-serif;
  --body: "Open Sans", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 400 18px/1.7 var(--body);
  -webkit-font-smoothing: antialiased;
  font-variant-numeric: lining-nums;
}
img { max-width: 100%; display: block; }
a { color: var(--red); text-underline-offset: 3px; }
a:hover { color: var(--red-dark); }
:focus-visible { outline: 3px solid var(--red); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3 { font-family: var(--heading); color: var(--ink); line-height: 1.2; margin: 0; }
h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 3.4vw, 2rem); font-weight: 800; letter-spacing: -0.01em; }
h3 { font-size: 1.05rem; font-weight: 700; }
p { margin: 0 0 1.1em; }

.wrap { max-width: var(--wide); margin: 0 auto; padding: 0 20px; }
.measure { max-width: var(--measure); margin: 0 auto; }

/* ---------- Header ---------- */
.site-header { background: var(--paper); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.site-header .logo img { height: 34px; width: auto; }
.site-header .phone { font: 600 15px var(--heading); color: var(--ink); text-decoration: none; white-space: nowrap; }
.site-header .phone span { color: var(--muted); font-weight: 500; }
@media (max-width: 480px) { .site-header .phone span { display: none; } }

/* ---------- Article header ---------- */
.article-head { padding: 56px 0 8px; }
.kicker { display: flex; align-items: center; gap: 10px; margin-bottom: 22px; }
.kicker img { height: 22px; width: auto; }
.kicker .label {
  font: 700 12px var(--heading); letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--red); padding-left: 10px; border-left: 1px solid var(--line);
}
.dek { font-size: 1.2rem; color: var(--ink-soft); margin: 18px 0 22px; line-height: 1.55; }
.meta { font-size: 14px; color: var(--muted); display: flex; flex-wrap: wrap; gap: 6px 16px; padding-bottom: 28px; border-bottom: 1px solid var(--line); }

/* ---------- Body copy ---------- */
.article { padding-bottom: 24px; }
.lede { padding-top: 32px; }
.lede p:first-child { font-size: 1.15rem; }

.toc { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 26px; margin: 28px 0 8px; }
.toc h2 { font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; font-weight: 700; }
.toc ol { margin: 0; padding: 0; list-style: none; counter-reset: toc; }
.toc li { counter-increment: toc; padding: 6px 0; border-top: 1px solid var(--sand); }
.toc li:first-child { border-top: 0; }
.toc a { color: var(--ink); text-decoration: none; display: flex; gap: 12px; font-weight: 600; font-size: 16px; }
.toc a::before { content: counter(toc); color: var(--red); font: 800 16px var(--heading); min-width: 14px; }
.toc a:hover { color: var(--red); }

.section { padding: 56px 0 8px; scroll-margin-top: 16px; }
.section-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 50%; background: var(--red); color: #fff;
  font: 800 18px var(--heading); margin-bottom: 16px;
}
.section h2 { margin-bottom: 20px; }

.figure { margin: 32px 0; }
.figure-wide { max-width: 880px; margin-left: auto; margin-right: auto; }
.fig-label {
  display: inline-block; font: 700 11px var(--heading); letter-spacing: 0.12em; text-transform: uppercase;
  background: var(--ink); color: #fff; padding: 4px 9px; border-radius: 4px; margin-bottom: 12px;
}
.fig-caption { font-size: 14px; color: var(--muted); margin-top: 12px; line-height: 1.5; }

/* ---------- Sample credit report ---------- */
.report-figure { display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 820px) { .report-figure { grid-template-columns: 1.35fr 1fr; align-items: start; } }
.report {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: 0 1px 0 var(--line), 0 12px 30px -18px rgba(0,0,0,.25);
  font-size: 14px; overflow: hidden; position: relative;
}
.report-top { display: flex; justify-content: space-between; align-items: center; padding: 14px 18px; border-bottom: 1px solid var(--line); background: #fcfbf9; }
.report-top strong { font: 700 14px var(--heading); letter-spacing: 0.02em; }
.report-top .stamp { font: 700 10px var(--heading); letter-spacing: 0.14em; color: var(--red); border: 1.5px solid var(--red); padding: 3px 7px; border-radius: 4px; }
.report-body { padding: 16px 18px 18px; }
.report-row { display: grid; grid-template-columns: 120px 1fr; gap: 8px; padding: 7px 0; border-bottom: 1px dashed var(--line); position: relative; }
.report-row:last-child { border-bottom: 0; }
.report-row dt { color: var(--muted); margin: 0; }
.report-row dd { margin: 0; font-weight: 600; }
.report-row.hl { background: var(--red-tint); margin: 0 -10px; padding: 7px 10px; border-radius: 6px; border-bottom-color: transparent; }
.marker {
  display: inline-flex; align-items: center; justify-content: center; width: 20px; height: 20px; border-radius: 50%;
  background: var(--red); color: #fff; font: 800 11px var(--heading); margin-left: 6px; vertical-align: 1px;
}
.history { display: flex; gap: 4px; flex-wrap: wrap; }
.history span { width: 22px; height: 22px; border-radius: 4px; background: #e7efe9; color: var(--ok); font: 700 10px var(--heading); display: inline-flex; align-items: center; justify-content: center; }
.history span.late { background: var(--red); color: #fff; }
.annotations { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.annotations li { display: grid; grid-template-columns: 28px 1fr; gap: 10px; font-size: 15.5px; line-height: 1.55; }
.annotations li .marker { margin: 2px 0 0; width: 24px; height: 24px; font-size: 12px; }
.annotations strong { display: block; font-family: var(--heading); }

/* ---------- Callout boxes ---------- */
.box { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 26px; margin: 28px 0; }
.box h3 { font-size: 1.1rem; margin-bottom: 12px; display: flex; align-items: center; gap: 10px; }
.box-ask { border-left: 4px solid var(--red); }
.q-list { list-style: none; margin: 0; padding: 0; }
.q-list li { padding: 10px 0 10px 30px; position: relative; border-top: 1px solid var(--sand); font-weight: 600; }
.q-list li:first-child { border-top: 0; }
.q-list li::before { content: "?"; position: absolute; left: 0; top: 11px; width: 20px; height: 20px; border-radius: 50%; background: var(--red-tint); color: var(--red); font: 800 12px/20px var(--heading); text-align: center; }
.box-foot { font-size: 14.5px; color: var(--muted); margin: 14px 0 0; padding-top: 14px; border-top: 1px solid var(--sand); }

.check-list { list-style: none; margin: 0; padding: 0; }
.check-list li { padding: 11px 0 11px 36px; position: relative; border-top: 1px solid var(--sand); font-weight: 600; }
.check-list li:first-child { border-top: 0; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 13px; width: 20px; height: 20px; border: 2px solid var(--ink); border-radius: 4px;
}

/* ---------- Warranty ---------- */
.warranty { display: grid; gap: 0; background: var(--paper); border: 2px solid var(--ink); border-radius: 14px; overflow: hidden; margin: 32px 0; }
@media (min-width: 760px) { .warranty { grid-template-columns: 230px 1fr; } }
.warranty-badge { background: var(--ink); color: #fff; padding: 28px 22px; text-align: center; display: flex; flex-direction: column; justify-content: center; align-items: center; }
.warranty-badge .big { font: 800 64px/1 var(--heading); letter-spacing: -0.03em; }
.warranty-badge .unit { font: 700 12px var(--heading); letter-spacing: 0.16em; text-transform: uppercase; margin-top: 6px; }
.warranty-badge .rule { width: 36px; height: 3px; background: var(--red); margin: 16px 0; }
.warranty-badge .days { font: 700 18px var(--heading); }
.warranty-terms { padding: 22px 26px 24px; }
.warranty-terms h3 { font-size: 1.15rem; margin-bottom: 4px; }
.warranty-terms .sub { font-size: 14.5px; color: var(--muted); margin-bottom: 12px; }
.terms { margin: 0; }
.terms > div { padding: 12px 0; border-top: 1px solid var(--sand); }
.terms dt { font: 700 13px var(--heading); letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink); margin-bottom: 4px; }
.terms dd { margin: 0; font-size: 16.5px; line-height: 1.55; }
.pending {
  background: var(--pending); border: 1px dashed var(--pending-line); border-radius: 6px; padding: 2px 8px;
  font-size: 15px; color: #6b5610; display: inline-block;
}
.warranty-note { font-size: 14.5px; color: var(--ink-soft); background: var(--sand); padding: 14px 18px; border-radius: 8px; margin-top: 14px; line-height: 1.55; }

/* ---------- CTA ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px; background: var(--red); color: #fff !important;
  font: 700 17px var(--heading); text-decoration: none; padding: 16px 28px; border-radius: 8px;
  transition: background .15s ease, transform .15s ease; border: 0; cursor: pointer;
}
.btn:hover { background: var(--red-dark); transform: translateY(-1px); }
.btn svg { width: 18px; height: 18px; }
.soft-cta { background: var(--sand); border-radius: 14px; padding: 28px; margin: 36px 0 8px; text-align: center; }
.soft-cta p { font-size: 1.08rem; max-width: 520px; margin: 0 auto 18px; }

/* ---------- Process ---------- */
.process { list-style: none; margin: 32px 0; padding: 0; display: grid; gap: 12px; counter-reset: step; }
@media (min-width: 760px) { .process { grid-template-columns: repeat(4, 1fr); gap: 0; } }
.process li {
  counter-increment: step; position: relative; background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 18px 18px 18px 60px; font: 700 15.5px/1.4 var(--heading);
}
.process li::before {
  content: counter(step); position: absolute; left: 16px; top: 16px; width: 30px; height: 30px; border-radius: 50%;
  background: var(--red-tint); color: var(--red); font: 800 14px/30px var(--heading); text-align: center;
}
@media (min-width: 760px) {
  .process li { padding: 62px 18px 20px; margin-right: 22px; }
  .process li:last-child { margin-right: 0; }
  .process li::after {
    content: ""; position: absolute; right: -17px; top: 50%; width: 12px; height: 12px;
    border-top: 2.5px solid var(--red); border-right: 2.5px solid var(--red); transform: translateY(-50%) rotate(45deg);
  }
  .process li:last-child::after { display: none; }
}
.process li small { display: block; font: 400 14px/1.45 var(--body); color: var(--muted); margin-top: 6px; }

/* ---------- Media slots ---------- */
.media-slot {
  background: repeating-linear-gradient(135deg, var(--sand), var(--sand) 12px, #ece7df 12px, #ece7df 24px);
  border: 1px solid var(--line); border-radius: 14px; aspect-ratio: 16 / 9; display: flex; flex-direction: column;
  align-items: center; justify-content: center; text-align: center; color: var(--ink-soft); padding: 20px; margin: 32px 0;
}
.media-slot .play { width: 64px; height: 64px; border-radius: 50%; background: var(--paper); display: flex; align-items: center; justify-content: center; box-shadow: 0 6px 20px -8px rgba(0,0,0,.3); margin-bottom: 14px; }
.media-slot .play svg { width: 22px; height: 22px; margin-left: 4px; fill: var(--red); }
.media-slot strong { font: 700 16px var(--heading); color: var(--ink); }
.media-slot span { font-size: 14px; }
.media-slot.photo { aspect-ratio: 3 / 2; }
.video { aspect-ratio: 16 / 9; border-radius: 14px; overflow: hidden; margin: 32px 0; background: #000; }
.video iframe, .video video { width: 100%; height: 100%; border: 0; display: block; }

.quote-slot { border-left: 4px solid var(--line); padding: 6px 0 6px 22px; margin: 28px 0; color: var(--muted); font-size: 15.5px; }

/* ---------- Closing ---------- */
.closing { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 72px 0; margin-top: 64px; text-align: center; }
.closing h2 { margin-bottom: 18px; }
.closing p { font-size: 1.1rem; color: var(--ink-soft); max-width: 560px; margin: 0 auto 14px; }
.closing .btn { margin-top: 14px; }
.alt-contact { margin-top: 18px !important; font-size: 16px !important; }
.alt-contact a { font-weight: 700; color: var(--ink); }

/* ---------- Footer ---------- */
.site-footer { padding: 40px 0 56px; font-size: 13.5px; color: var(--muted); line-height: 1.6; }
.site-footer .wrap { display: grid; gap: 18px; }
.site-footer img { height: 28px; width: auto; }
.site-footer nav { display: flex; flex-wrap: wrap; gap: 6px 20px; }
.site-footer nav a { color: var(--ink-soft); }
.site-footer .disclosure { max-width: 780px; }

/* ---------- Assessment page ---------- */
.assess { padding: 48px 0 24px; }
.assess-grid { display: grid; gap: 36px; }
@media (min-width: 900px) { .assess-grid { grid-template-columns: 1fr 1.1fr; align-items: start; gap: 56px; } }
.assess h1 { font-size: clamp(2rem, 4.4vw, 2.6rem); margin-bottom: 16px; }
.assess .dek { margin-top: 0; }
.steps { list-style: none; margin: 28px 0; padding: 0; counter-reset: s; }
.steps li { counter-increment: s; position: relative; padding: 0 0 22px 52px; }
.steps li::before {
  content: counter(s); position: absolute; left: 0; top: 0; width: 34px; height: 34px; border-radius: 50%;
  background: var(--ink); color: #fff; font: 800 15px/34px var(--heading); text-align: center;
}
.steps li::after { content: ""; position: absolute; left: 16px; top: 38px; bottom: 4px; width: 2px; background: var(--line); }
.steps li:last-child::after { display: none; }
.steps strong { display: block; font: 700 17px var(--heading); margin-bottom: 2px; }
.steps span { font-size: 16px; color: var(--ink-soft); line-height: 1.55; }
.form-card { background: var(--paper); border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 18px 40px -28px rgba(0,0,0,.35); overflow: hidden; }
.form-card-head { padding: 20px 24px 0; }
.form-card-head p { font-size: 14.5px; color: var(--muted); margin: 6px 0 0; }
.form-card iframe { display: block; width: 100%; height: 640px; border: 0; background: #fff; }
.consent-note { font-size: 13.5px; color: var(--muted); line-height: 1.55; padding: 0 24px 22px; margin: 0; }
.reassure { display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: 14.5px; color: var(--ink-soft); padding: 0; margin: 0; list-style: none; }
.reassure li::before { content: "✓"; color: var(--ok); font-weight: 800; margin-right: 8px; }
.back-link { font-size: 15px; font-weight: 600; text-decoration: none; }

@media (max-width: 600px) {
  body { font-size: 17px; }
  .article-head { padding-top: 36px; }
  .section { padding-top: 44px; }
  .box, .warranty-terms { padding: 20px; }
  .report-row { grid-template-columns: 100px 1fr; }
  .btn { width: 100%; justify-content: center; }
  .form-card iframe { height: 720px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .btn { transition: none; } }

/* ---------- Native lead form ---------- */
.lead-form { padding: 18px 24px 24px; display: grid; gap: 16px; }
.lead-form .field-row { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 180px), 1fr)); }
.lead-form .field { display: grid; gap: 6px; }
.lead-form label { font: 700 14px var(--heading); color: var(--ink); }
.lead-form input[type=text], .lead-form input[type=tel], .lead-form input[type=email] {
  width: 100%; height: 50px; padding: 0 14px; font: 400 17px var(--body); color: var(--ink);
  background: #fcfbf9; border: 1.5px solid var(--line); border-radius: 8px; transition: border-color .15s, box-shadow .15s;
}
.lead-form input:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px var(--red-tint); }
.lead-form .hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.lead-form .consent { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; font: 400 13.5px/1.55 var(--body); color: var(--ink-soft); cursor: pointer; }
.lead-form .consent input { width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--red); cursor: pointer; }
.lead-form .form-error { margin: 0; padding: 10px 14px; border-radius: 8px; background: #fdecee; color: #a4122a; font-size: 14.5px; font-weight: 600; }
.lead-form .submit-btn { width: 100%; justify-content: center; font-size: 18px; padding: 17px 24px; }
.lead-form .submit-btn:disabled { opacity: .7; cursor: default; transform: none; }
.lead-form .form-ok { margin: 0; padding: 18px; border-radius: 10px; background: var(--red-tint); font-weight: 600; text-align: center; }

/* ---------- Legal pages ---------- */
.legal { padding: 48px 0 32px; }
.legal h1 { margin-bottom: 8px; }
.legal-meta { color: var(--muted); font-size: 15px; margin-bottom: 24px; }
.legal h2 { font-size: 1.35rem; margin: 40px 0 12px; scroll-margin-top: 16px; }
.legal ul { padding-left: 22px; margin: 0 0 1.1em; }
.legal li { margin-bottom: 6px; }
.legal-toc { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 28px; }
.legal-toc a { font-size: 14px; font-weight: 600; text-decoration: none; padding: 6px 12px; border: 1px solid var(--line); border-radius: 50px; background: var(--paper); color: var(--ink); }
.legal-toc a:hover { border-color: var(--red); color: var(--red); }
.legal-terms { margin: 16px 0; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 6px 22px; }
.legal-terms > div { padding: 14px 0; border-top: 1px solid var(--sand); }
.legal-terms > div:first-child { border-top: 0; }
.legal-terms dt { font: 700 13px var(--heading); letter-spacing: .06em; text-transform: uppercase; margin-bottom: 4px; }
.legal-terms dd { margin: 0; font-size: 16.5px; line-height: 1.6; }
.legal-example { background: var(--sand); border-radius: 8px; padding: 12px 16px; font-size: 15.5px; }