/* ===== CREDORA SHARED DESIGN SYSTEM ===== */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;-webkit-tap-highlight-color:transparent}
html{scroll-behavior:smooth}
img,svg{display:block;max-width:100%;-webkit-user-drag:none;pointer-events:none}
button,a{cursor:pointer;font-family:inherit;border:none;background:none;color:inherit;text-decoration:none}
:root{
  --bg:#0A0F1C;--bg-2:#0F1525;--bg-3:#131A2D;
  --panel:rgba(255,255,255,0.04);--panel-2:rgba(255,255,255,0.07);
  --gold:#FFCB47;--gold-soft:#FFE08A;--gold-dark:#C99E20;
  --orange:#FF6B35;--red:#FF3D5A;
  --cream:#F5F1E8;--muted:#8892A6;--muted-2:#5F687B;
  --line:rgba(255,255,255,0.08);--line-2:rgba(255,255,255,0.14);
  --green:#34D399;--purple:#9B5CFF;
  --grad-gold:linear-gradient(135deg,#FFE08A 0%,#FFCB47 50%,#C99E20 100%);
  --grad-urgent:linear-gradient(135deg,#FF6B35 0%,#FF3D5A 100%);
  --grad-purple:linear-gradient(135deg,#A47CFF,#7C3AED);
  --shadow-urgent:0 14px 40px rgba(255,61,90,0.4);
  --shadow-gold:0 14px 40px rgba(255,203,71,0.35);
}
body{font-family:'Open Sans',sans-serif;background:var(--bg);color:var(--cream);font-size:16px;line-height:1.55;overflow-x:hidden;-webkit-font-smoothing:antialiased;-webkit-user-select:none;user-select:none;-webkit-touch-callout:none}
input,textarea,select{-webkit-user-select:text;user-select:text}
.container{max-width:1280px;margin:0 auto;padding:0 20px;position:relative;z-index:2}
@media (min-width:768px){.container{padding:0 40px}}

.grain{position:fixed;inset:0;pointer-events:none;z-index:1;opacity:0.04;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='150' height='150'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.6'/%3E%3C/svg%3E")}
.scroll-bar{position:fixed;top:0;left:0;height:3px;background:var(--grad-gold);z-index:200;width:0%;transition:width 0.1s;box-shadow:0 0 12px rgba(255,203,71,0.5)}

/* NAV */
.nav{position:fixed;top:0;left:0;right:0;z-index:100;padding:14px 0;background:rgba(10,15,28,0.85);backdrop-filter:blur(20px) saturate(180%);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo{display:inline-flex;align-items:center;gap:10px;font-family:'Open Sans',sans-serif;font-weight:800;font-size:22px;letter-spacing:-0.03em;color:var(--cream)}
.logo-mark{width:34px;height:34px;background:var(--grad-gold);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--bg);font-size:14px;font-weight:800;letter-spacing:-0.04em}
.nav-back{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--muted);padding:8px 14px;border-radius:100px}
.nav-back:hover{color:var(--gold)}
.nav-right{display:flex;align-items:center;gap:10px}
.nav-cta{display:inline-flex;align-items:center;gap:8px;padding:11px 18px;background:var(--grad-urgent);color:white;font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:0.05em;border-radius:100px;box-shadow:var(--shadow-urgent);transition:transform 0.2s}
.nav-cta:hover{transform:scale(1.05)}

/* HERO */
.hero{padding:100px 0 50px;position:relative;overflow:hidden}
.hero-bg{position:absolute;inset:0;pointer-events:none}
.mesh{position:absolute;border-radius:50%;filter:blur(80px);opacity:0.5}
.mesh-1{width:500px;height:500px;background:radial-gradient(circle,rgba(255,203,71,0.4),transparent 70%);top:-100px;right:-100px}
.mesh-2{width:400px;height:400px;background:radial-gradient(circle,rgba(255,61,90,0.25),transparent 70%);bottom:-50px;left:-50px}
.mesh-purple{background:radial-gradient(circle,rgba(155,92,255,0.3),transparent 70%) !important}
.hero-grid{display:grid;grid-template-columns:1fr;gap:36px;align-items:center;position:relative;z-index:3}
@media (min-width:980px){.hero-grid{grid-template-columns:1.1fr 1fr;gap:56px}}
.live-badge{display:inline-flex;align-items:center;gap:10px;padding:7px 14px 7px 12px;background:rgba(255,61,90,0.12);border:1px solid rgba(255,61,90,0.35);border-radius:100px;font-size:11px;font-weight:800;color:#FF6B7E;text-transform:uppercase;letter-spacing:0.1em;margin-bottom:22px;backdrop-filter:blur(10px)}
.live-dot{width:8px;height:8px;background:var(--red);border-radius:50%;position:relative}
.live-dot::before{content:'';position:absolute;inset:-3px;background:var(--red);border-radius:50%;animation:pulse-ring 1.4s ease infinite;opacity:0.5}
@keyframes pulse-ring{0%{transform:scale(0.7);opacity:0.7}100%{transform:scale(2.5);opacity:0}}
.hero h1{font-family:'Open Sans',sans-serif;font-weight:700;font-size:clamp(38px,6.5vw,70px);line-height:0.98;letter-spacing:-0.035em;margin-bottom:18px}
.hero h1 .amt{background:var(--grad-gold);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;font-weight:800}
.hero h1 em{font-style:italic;font-weight:500;color:var(--gold)}
.hero-sub{font-size:clamp(16px,1.8vw,18px);color:var(--cream);opacity:0.85;margin-bottom:24px;max-width:540px;line-height:1.5}
.hero-sub strong{color:var(--gold);font-weight:700}
.hero-chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.chip{display:inline-flex;align-items:center;gap:6px;padding:8px 13px;background:var(--panel);border:1px solid var(--line-2);border-radius:100px;font-size:13px;font-weight:600;backdrop-filter:blur(10px)}
.hero-rating{display:flex;align-items:center;gap:12px;font-size:13px;color:var(--muted);flex-wrap:wrap}
.stars{color:var(--gold);letter-spacing:1px}
.hero-rating strong{color:var(--cream)}

/* FORM CARD */
.form-card{background:linear-gradient(180deg,rgba(255,255,255,0.06),rgba(255,255,255,0.02));border:1px solid var(--line-2);backdrop-filter:blur(30px);border-radius:28px;padding:28px;position:relative;box-shadow:0 30px 80px rgba(0,0,0,0.5)}
@media (min-width:768px){.form-card{padding:34px}}
.form-badge{display:inline-flex;align-items:center;gap:6px;padding:6px 12px;background:rgba(255,203,71,0.12);border:1px solid rgba(255,203,71,0.35);color:var(--gold);border-radius:100px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:0.1em;margin-bottom:14px}
.form-badge.urgent{background:rgba(255,107,53,0.14);border-color:rgba(255,107,53,0.4);color:var(--orange)}
.form-card h3{font-family:'Open Sans',sans-serif;font-weight:700;font-size:26px;line-height:1.1;letter-spacing:-0.02em;margin-bottom:6px}
.form-card h3 em{font-style:italic;color:var(--gold);font-weight:500}
.form-card p{font-size:13px;color:var(--muted);margin-bottom:20px}
.field-label{display:block;font-size:11px;font-weight:700;color:var(--cream);margin-bottom:8px;text-transform:uppercase;letter-spacing:0.06em}
.field-input,.field-select{width:100%;padding:15px 18px;background:var(--panel-2);border:1.5px solid var(--line-2);border-radius:14px;color:var(--cream);font-size:16px;font-weight:600;font-family:inherit}
.field-input:focus,.field-select:focus{outline:none;border-color:var(--gold)}
.field-input::placeholder{color:var(--muted-2);font-weight:500}
.field-select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23F5F1E8' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;background-size:12px;padding-right:40px}
.field-stack{margin-bottom:12px}

/* BUTTONS */
.btn-mega{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;padding:18px 24px;background:var(--grad-urgent);color:white;font-weight:800;font-size:15px;text-transform:uppercase;letter-spacing:0.05em;border-radius:14px;box-shadow:var(--shadow-urgent);transition:all 0.25s;position:relative;overflow:hidden;margin-top:8px}
.btn-mega::before{content:'';position:absolute;top:0;left:-100%;height:100%;width:50%;background:linear-gradient(90deg,transparent,rgba(255,255,255,0.4),transparent);animation:shimmer 2.5s infinite}
@keyframes shimmer{0%,100%{left:-100%}50%{left:200%}}
.btn-mega:hover{transform:translateY(-2px)}
.btn-mega-sub{font-size:11px;color:var(--muted);text-align:center;margin-top:10px;display:flex;justify-content:center;gap:12px;flex-wrap:wrap}
.btn-cta{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:18px 32px;background:var(--grad-urgent);color:white;font-weight:800;font-size:15px;text-transform:uppercase;letter-spacing:0.05em;border-radius:100px;box-shadow:var(--shadow-urgent);transition:transform 0.2s}
.btn-cta:hover{transform:scale(1.05)}
.btn-secondary{padding:16px 22px;background:var(--panel-2);border:1px solid var(--line-2);color:var(--cream);font-weight:600;font-size:14px;border-radius:100px}

/* URGENCY BAR */
.urgency-bar{background:linear-gradient(90deg,rgba(255,107,53,0.1),rgba(255,61,90,0.1));border-top:1px solid rgba(255,107,53,0.2);border-bottom:1px solid rgba(255,107,53,0.2);padding:12px 0;text-align:center;font-size:13px;font-weight:700}
.urgency-bar strong{color:var(--orange)}
.timer{display:inline-flex;align-items:center;gap:4px;background:var(--orange);color:white;padding:3px 9px;border-radius:6px;margin-left:6px;font-family:monospace;font-weight:800;font-size:12px}

/* SECTIONS */
section{position:relative;padding:70px 0}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:800;color:var(--gold);text-transform:uppercase;letter-spacing:0.15em;margin-bottom:16px}
.eyebrow::before{content:'';width:28px;height:1px;background:var(--gold)}
.h-title{font-family:'Open Sans',sans-serif;font-weight:600;font-size:clamp(32px,5vw,50px);line-height:1.02;letter-spacing:-0.035em;margin-bottom:18px}
.h-title em{font-style:italic;font-weight:500;color:var(--gold)}
.h-sub{font-size:17px;color:var(--muted);max-width:620px;line-height:1.5;margin-bottom:42px}

/* WHY GRID */
.why-grid{display:grid;grid-template-columns:1fr;gap:18px}
@media (min-width:720px){.why-grid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1100px){.why-grid{grid-template-columns:repeat(4,1fr)}}
.why-card{background:var(--panel);border:1px solid var(--line);border-radius:20px;padding:24px;transition:border-color 0.3s}
.why-card:hover{border-color:rgba(255,203,71,0.4)}
.why-ico{width:48px;height:48px;border-radius:12px;background:rgba(255,203,71,0.1);border:1px solid rgba(255,203,71,0.25);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px}
.why-h{font-family:'Open Sans',sans-serif;font-weight:700;font-size:20px;letter-spacing:-0.01em;margin-bottom:8px}
.why-p{font-size:14px;color:var(--muted);line-height:1.55}

/* ELIGIBILITY */
.elig-grid{display:grid;grid-template-columns:1fr;gap:20px}
@media (min-width:720px){.elig-grid{grid-template-columns:1fr 1fr;gap:24px}}
.elig-card{background:var(--panel);border:1px solid var(--line);border-radius:24px;padding:28px}
.elig-h{font-family:'Open Sans',sans-serif;font-weight:700;font-size:22px;margin-bottom:18px;letter-spacing:-0.01em}
.elig-list{list-style:none}
.elig-list li{padding:10px 0 10px 28px;position:relative;font-size:14px;color:var(--cream);border-bottom:1px dashed rgba(255,255,255,0.06)}
.elig-list li:last-child{border:0}
.elig-list li::before{content:'✓';position:absolute;left:0;top:10px;width:20px;height:20px;background:var(--gold);color:var(--bg);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:11px}

/* MID CTA */
.mid-cta{background:linear-gradient(135deg,var(--bg-3),var(--bg-2));border-radius:28px;padding:36px 28px;text-align:center;position:relative;overflow:hidden;border:1px solid var(--line);margin-top:44px}
.mid-cta::before{content:'';position:absolute;width:400px;height:400px;background:radial-gradient(circle,rgba(255,203,71,0.18),transparent 70%);top:-200px;left:50%;transform:translateX(-50%);filter:blur(40px)}
.mid-cta-c{position:relative;z-index:1}
.mid-cta h3{font-family:'Open Sans',sans-serif;font-weight:700;font-size:clamp(26px,4vw,36px);line-height:1.05;letter-spacing:-0.025em;margin-bottom:10px}
.mid-cta h3 em{font-style:italic;color:var(--gold)}
.mid-cta p{color:var(--muted);margin-bottom:22px;font-size:15px}

/* TESTIMONIALS */
.testi-grid{display:grid;grid-template-columns:1fr;gap:18px}
@media (min-width:800px){.testi-grid{grid-template-columns:1fr 1fr}}
.testi{background:var(--panel);border:1px solid var(--line);border-radius:22px;padding:26px}
.testi-stars{color:var(--gold);font-size:14px;letter-spacing:1px;margin-bottom:14px}
.testi-text{font-family:'Open Sans',sans-serif;font-weight:500;font-size:18px;line-height:1.4;letter-spacing:-0.01em;color:var(--cream);margin-bottom:18px}
.testi-meta{display:flex;align-items:center;gap:12px}
.testi-av{width:40px;height:40px;border-radius:50%;background:var(--grad-gold);color:var(--bg);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px}
.testi-name{font-weight:700;font-size:14px}
.testi-loc{font-size:12px;color:var(--muted);margin-top:2px}

/* FAQ */
.faq-list{max-width:800px}
.faq{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:18px;font-family:'Open Sans',sans-serif;font-weight:600;font-size:19px;letter-spacing:-0.01em;color:var(--cream)}
.faq summary::-webkit-details-marker{display:none}
.faq-toggle{width:30px;height:30px;background:var(--panel);border:1px solid var(--line);border-radius:50%;display:flex;align-items:center;justify-content:center;transition:all 0.3s;flex-shrink:0}
.faq[open] .faq-toggle{background:var(--gold);color:var(--bg);transform:rotate(45deg)}
.faq-content{padding:0 0 20px;color:var(--muted);font-size:15px;line-height:1.65}
.faq-content a{color:var(--gold)}

/* FINAL CTA */
.final-cta{background:linear-gradient(135deg,#1A0B2E,var(--bg-2));position:relative;overflow:hidden;padding:70px 0}
.final-cta.urgent{background:linear-gradient(135deg,#2E0B0B,var(--bg-2))}
.final-cta::before{content:'';position:absolute;width:600px;height:600px;background:radial-gradient(circle,rgba(255,203,71,0.18),transparent 70%);top:-300px;left:50%;transform:translateX(-50%);filter:blur(60px)}
.final-cta-inner{text-align:center;position:relative;z-index:1;max-width:700px;margin:0 auto}
.final-cta h2{font-family:'Open Sans',sans-serif;font-weight:700;font-size:clamp(34px,5vw,56px);line-height:1;letter-spacing:-0.035em;margin-bottom:18px}
.final-cta h2 em{font-style:italic;color:var(--gold)}
.final-cta p{font-size:17px;color:var(--cream);opacity:0.85;margin-bottom:28px}

/* FOOTER */
footer{background:var(--bg-2);border-top:1px solid var(--line);padding:40px 0 26px}
.footer-top{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;padding-bottom:24px;border-bottom:1px solid var(--line);margin-bottom:22px}
.footer-links{display:flex;gap:20px;flex-wrap:wrap;font-size:13px}
.footer-links a{color:var(--muted)}
.footer-links a:hover{color:var(--gold)}
.footer-disc{font-size:11px;color:var(--muted-2);line-height:1.6;padding:16px;background:var(--panel);border-radius:12px;border:1px solid var(--line);margin-bottom:18px}
.footer-disc strong{color:var(--cream)}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;font-size:12px;color:var(--muted);flex-wrap:wrap;gap:10px}

/* STICKY BOTTOM */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;background:rgba(10,15,28,0.95);backdrop-filter:blur(20px);border-top:1px solid var(--line-2);padding:12px 16px calc(12px + env(safe-area-inset-bottom));z-index:90;transform:translateY(120%);transition:transform 0.4s}
.sticky-cta.show{transform:translateY(0)}
.sticky-cta-inner{max-width:720px;margin:0 auto;display:flex;align-items:center;gap:12px}
.sticky-msg{flex:1;font-size:12px;font-weight:700;color:var(--cream);line-height:1.3}
.sticky-msg strong{color:var(--gold);display:block;font-size:14px}
.sticky-cta .btn-mega{width:auto;padding:14px 22px;font-size:13px;margin:0;flex-shrink:0}

/* LIVE TOAST */
.live-toast{position:fixed;left:50%;bottom:120px;transform:translateX(-50%) translateY(80px);background:rgba(10,15,28,0.95);backdrop-filter:blur(20px);border:1px solid var(--line-2);border-radius:12px;padding:10px 16px;display:flex;align-items:center;gap:10px;font-size:12px;font-weight:600;color:var(--cream);box-shadow:0 12px 30px rgba(0,0,0,0.4);opacity:0;transition:transform 0.5s cubic-bezier(0.16,1,0.3,1),opacity 0.3s;z-index:88;max-width:92vw;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.live-toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.toast-dot{width:8px;height:8px;background:var(--green);border-radius:50%;animation:pulse-ring 1.4s infinite;flex-shrink:0}
.live-toast strong{color:var(--gold)}

/* MODAL */
.modal{position:fixed;inset:0;background:rgba(0,0,0,0.8);backdrop-filter:blur(8px);z-index:300;display:none;align-items:flex-end;justify-content:center}
@media (min-width:720px){.modal{align-items:center;padding:40px}}
.modal.open{display:flex}
.modal-card{background:var(--bg-2);border:1px solid var(--line-2);border-radius:28px 28px 0 0;padding:22px 22px calc(28px + env(safe-area-inset-bottom));width:100%;max-width:520px;max-height:92vh;overflow-y:auto;animation:slideUp 0.35s cubic-bezier(0.16,1,0.3,1);position:relative}
@media (min-width:720px){.modal-card{border-radius:28px;padding:32px}}
@keyframes slideUp{from{transform:translateY(100%)}to{transform:translateY(0)}}
.modal-grip{width:44px;height:5px;background:var(--line-2);border-radius:100px;margin:0 auto 16px}
@media (min-width:720px){.modal-grip{display:none}}
.modal-close{position:absolute;top:18px;right:18px;width:34px;height:34px;background:var(--panel-2);border:1px solid var(--line);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:18px;color:var(--cream)}
.modal-progress{display:flex;gap:4px;margin-bottom:14px}
.progress-dot{flex:1;height:4px;background:rgba(255,255,255,0.08);border-radius:100px;transition:background 0.3s}
.progress-dot.done{background:var(--gold)}
.progress-dot.active{background:var(--grad-gold)}
.modal-step-meta{font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:18px}
.modal-step-meta strong{color:var(--gold)}
.modal h2{font-family:'Open Sans',sans-serif;font-weight:700;font-size:26px;letter-spacing:-0.02em;line-height:1.05;margin-bottom:6px}
.modal h2 em{font-style:italic;color:var(--gold);font-weight:500}
.modal-sub{font-size:13px;color:var(--muted);margin-bottom:20px}
.modal-step{display:none}
.modal-step.active{display:block;animation:fadeIn 0.3s}
@keyframes fadeIn{from{opacity:0;transform:translateX(15px)}to{opacity:1;transform:translateX(0)}}
.modal-row{display:grid;grid-template-columns:1fr;gap:14px;margin-bottom:14px}
@media (min-width:480px){.modal-row.cols-2{grid-template-columns:1fr 1fr}}
.modal-actions{display:flex;gap:10px}
.consent-box{display:flex;gap:12px;align-items:flex-start;padding:14px;background:var(--panel);border:1px solid var(--line);border-radius:12px;margin:14px 0;font-size:13px;color:var(--muted);line-height:1.5}
.consent-box input{width:18px;height:18px;flex-shrink:0;margin-top:1px;accent-color:var(--gold)}
.consent-box a{color:var(--gold);text-decoration:underline}
.modal-success{display:none;text-align:center;padding:18px 0}
.modal-success.show{display:block;animation:fadeIn 0.4s}
.success-check{width:76px;height:76px;background:var(--grad-gold);border-radius:50%;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;font-size:36px;color:var(--bg);font-weight:800;box-shadow:0 14px 36px rgba(255,203,71,0.4);animation:pop 0.5s cubic-bezier(0.16,1,0.3,1)}
@keyframes pop{from{transform:scale(0)}to{transform:scale(1)}}
.success-ref{display:inline-block;padding:7px 16px;background:var(--panel-2);border:1px solid var(--line-2);border-radius:100px;font-family:'Open Sans',sans-serif;font-weight:700;font-size:14px;color:var(--gold);margin:12px 0}

/* CARD COMPARISON (for credit card pages) */
.card-grid{display:grid;grid-template-columns:1fr;gap:18px}
@media (min-width:720px){.card-grid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1100px){.card-grid{grid-template-columns:repeat(3,1fr)}}
.cc-card{background:linear-gradient(180deg,rgba(255,255,255,0.04),rgba(255,255,255,0.01));border:1px solid var(--line);border-radius:24px;padding:26px;position:relative;overflow:hidden;transition:all 0.3s}
.cc-card:hover{transform:translateY(-4px);border-color:rgba(255,203,71,0.4)}
.cc-card.featured{background:linear-gradient(180deg,rgba(255,203,71,0.08),rgba(255,255,255,0.02));border-color:rgba(255,203,71,0.4)}
.cc-badge{position:absolute;top:14px;right:14px;background:var(--grad-urgent);color:white;padding:5px 10px;border-radius:100px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:0.05em}
.cc-visual{height:120px;border-radius:14px;background:linear-gradient(135deg,#1F2937,#0F1525);margin-bottom:18px;position:relative;overflow:hidden;display:flex;align-items:flex-end;padding:16px}
.cc-visual.gold{background:var(--grad-gold)}
.cc-visual.purple{background:var(--grad-purple)}
.cc-visual.dark{background:linear-gradient(135deg,#000,#1F2937)}
.cc-visual::after{content:'';position:absolute;width:200px;height:200px;background:radial-gradient(circle,rgba(255,255,255,0.15),transparent 70%);top:-50px;right:-50px}
.cc-visual span{position:relative;z-index:1;color:white;font-size:11px;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;opacity:0.9}
.cc-visual.gold span{color:var(--bg)}
.cc-name{font-family:'Open Sans',sans-serif;font-weight:700;font-size:22px;letter-spacing:-0.02em;margin-bottom:6px}
.cc-issuer{font-size:13px;color:var(--gold);font-weight:700;margin-bottom:14px}
.cc-perks{list-style:none;margin-bottom:18px}
.cc-perks li{padding:6px 0 6px 24px;font-size:13px;color:var(--cream);position:relative}
.cc-perks li::before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:900}
.cc-fee{font-size:13px;color:var(--muted);padding-top:12px;border-top:1px dashed rgba(255,255,255,0.08);margin-bottom:14px}
.cc-fee strong{color:var(--cream)}

@media print{body,html{display:none !important}}
::selection{background:transparent}

/* ============================================
   MOBILE-FIRST OPTIMIZATIONS
   ============================================ */

/* Body needs bottom padding so sticky CTA doesn't cover content */
body{padding-bottom:90px}
@supports (padding:env(safe-area-inset-bottom)){
  body{padding-bottom:calc(90px + env(safe-area-inset-bottom))}
}
@media (min-width:980px){
  body{padding-bottom:0}
}

/* Live toast positioned ABOVE sticky CTA (not overlapping) */
.live-toast{bottom:100px}
@media (min-width:980px){
  .live-toast{bottom:30px}
}

/* Prevent iOS zoom on input focus (font must be 16px+) */
@media (max-width:768px){
  input,select,textarea,.field-input,.field-select{font-size:16px !important}
}

/* Touch targets · 44px minimum (WCAG AAA) */
.nav-cta,.nav-back,.btn-secondary,.svc-cta,.faq-toggle,.modal-close{min-height:44px}
.btn-mega,.btn-cta{min-height:54px}
button,a,.svc-card,.why-card,.faq summary,.amt-btn,.svc-pill,.pay-method{touch-action:manipulation}

/* Smooth tap feedback */
.svc-card:active,.why-card:active{transform:scale(0.99)}

/* === MOBILE (UP TO 768px) === */
@media (max-width:768px){
  .container{padding:0 16px}
  /* Hero - compact for above-fold visibility */
  .hero{padding:86px 0 30px;min-height:auto}
  .hero h1{font-size:clamp(34px,9vw,52px);margin-bottom:14px;line-height:0.98}
  .hero-sub{font-size:15px;margin-bottom:18px;line-height:1.45}
  .live-badge{padding:6px 12px 6px 11px;font-size:10px;margin-bottom:16px}
  .hero-chips{gap:6px;margin-bottom:16px}
  .chip{padding:6px 11px;font-size:12px}
  .hero-rating{font-size:12px;gap:8px}
  /* Form card - tight padding */
  .form-card{padding:22px;border-radius:24px}
  .form-card h3{font-size:22px;line-height:1.05}
  .form-card p{font-size:13px;margin-bottom:16px}
  .field-stack{margin-bottom:10px}
  .field-label{margin-bottom:6px}
  .field-input,.field-select{padding:14px 16px}
  /* Sections compact */
  section{padding:48px 0}
  .eyebrow{margin-bottom:12px;font-size:11px}
  .h-title{font-size:clamp(28px,7.5vw,40px);margin-bottom:14px;line-height:1.05}
  .h-sub{font-size:15px;margin-bottom:30px;line-height:1.5}
  /* Service cards */
  .svc-card{padding:22px;min-height:auto}
  .svc-title{font-size:20px}
  .svc-amt{font-size:12px}
  .svc-desc{font-size:13px;margin-bottom:14px;line-height:1.5}
  /* Why cards */
  .why-card{padding:22px}
  .why-ico{width:44px;height:44px;font-size:20px;margin-bottom:14px}
  .why-h{font-size:18px;margin-bottom:6px}
  .why-p{font-size:13px}
  /* Eligibility */
  .elig-card{padding:24px}
  .elig-h{font-size:20px;margin-bottom:14px}
  .elig-list li{padding:8px 0 8px 26px;font-size:13px}
  /* Mid CTA */
  .mid-cta{padding:30px 22px;margin-top:32px}
  .mid-cta h3{font-size:24px}
  .mid-cta p{font-size:14px;margin-bottom:18px}
  /* Testi */
  .testi{padding:22px}
  .testi-text{font-size:16px}
  /* FAQ */
  .faq summary{padding:16px 0;font-size:17px;gap:12px}
  .faq-content{font-size:14px}
  /* Final CTA */
  .final-cta{padding:56px 0}
  .final-cta h2{font-size:clamp(28px,7vw,42px)}
  .final-cta p{font-size:15px;margin-bottom:24px}
  /* Footer */
  footer{padding:32px 0 24px}
  .footer-disc{font-size:11px;padding:14px}
  .footer-bottom{font-size:11px;flex-direction:column;align-items:flex-start;gap:8px}
  /* Modal */
  .modal-card{padding:16px 18px calc(20px + env(safe-area-inset-bottom))}
  .modal h2{font-size:22px;line-height:1.1}
  .modal-sub{font-size:13px;margin-bottom:16px}
  /* Buttons inside modal */
  .btn-mega{padding:16px 22px;font-size:14px}
  .btn-secondary{padding:14px 18px;font-size:13px}
}

/* === SMALL PHONES (UP TO 380px) === */
@media (max-width:380px){
  .container{padding:0 14px}
  .hero{padding:80px 0 24px}
  .hero h1{font-size:32px}
  .hero-sub{font-size:14px}
  .form-card{padding:18px;border-radius:20px}
  .form-card h3{font-size:20px}
  .nav-cta{padding:9px 14px;font-size:12px}
  .logo{font-size:19px}
  .logo-mark{width:30px;height:30px;font-size:15px}
  /* Sticky tighter */
  .sticky-cta{padding:10px 12px calc(10px + env(safe-area-inset-bottom))}
  .sticky-msg{font-size:11px}
  .sticky-msg strong{font-size:13px}
  .sticky-cta .btn-mega{padding:12px 16px;font-size:12px}
  /* Modal one-column */
  .modal-row.cols-2{grid-template-columns:1fr !important}
  .svc-card{padding:20px}
}

/* Card grid (credit cards page) responsive */
@media (max-width:640px){
  .card-grid{grid-template-columns:1fr !important}
  .cc-card{padding:22px}
}

/* Modal grid full-width on small */
@media (max-width:480px){
  .modal-row.cols-2{grid-template-columns:1fr}
  .modal-actions{flex-direction:column-reverse}
  .modal-actions .btn-secondary{order:2;width:100%}
  .modal-actions .btn-mega{order:1}
}

/* Improve scroll behavior on iOS */
.modal-card{-webkit-overflow-scrolling:touch}

/* Use modern viewport units when supported (handles iOS Safari URL bar) */
@supports (height:100svh){
  .hero{min-height:auto}
}