/* ============================================================
   CreditUp Credit Consulting — Site Stylesheet
   Brand: Navy #1A2D5C + Sky Blue #4DB1F5
   ============================================================ */

:root {
  --navy: #1A2D5C;
  --navy-dark: #14254A;
  --navy-soft: #2D4170;
  --sky: #4DB1F5;
  --sky-light: #E8F4FC;
  --sky-soft: #B8DEF6;
  --sky-dark: #2E94DC;
  --white: #FFFFFF;
  --off-white: #FAFBFD;
  --slate: #6E7888;
  --slate-light: #B8BFCB;
  --slate-dark: #3A4150;
  --border: #E5E9F0;
  --success: #2ECC71;

  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --radius-pill: 999px;

  --shadow-sm: 0 2px 8px rgba(26,45,92,0.06);
  --shadow: 0 8px 24px rgba(26,45,92,0.08);
  --shadow-lg: 0 16px 48px rgba(26,45,92,0.12);

  --max-width: 1180px;
  --content-padding: clamp(20px, 4vw, 48px);

  --font-display: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

/* ============ RESET ============ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 92px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; height: auto; }
a { color: var(--sky-dark); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--navy); }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 800; line-height: 1.15; color: var(--navy); margin: 0 0 0.5em; letter-spacing: -0.02em; }
h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.6rem); }
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.2em; }

/* ============ LAYOUT ============ */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--content-padding);
}
section { padding: clamp(64px, 10vw, 120px) 0; }
.section-tight { padding: clamp(48px, 7vw, 80px) 0; }

/* ============ NAV ============ */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--content-padding);
}
.nav-logo img { height: 44px; width: auto; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  color: var(--navy);
  font-weight: 600;
  font-size: 15px;
}
.nav-links a:hover { color: var(--sky-dark); }
.nav-cta { margin-left: 8px; }
.nav-toggle {
  display: none;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 26px; height: 2px;
  background: var(--navy);
  margin: 5px 0;
  transition: 0.3s;
}

@media (max-width: 880px) {
  .nav-toggle { display: block; z-index: 110; }
  .nav-links {
    position: fixed;
    top: 78px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
    padding: 16px var(--content-padding) calc(24px + env(safe-area-inset-bottom));
    border-bottom: 1px solid var(--border);
    box-shadow: 0 16px 32px rgba(26, 45, 92, 0.12);
    /* Never let the menu run off-screen — scroll if it's taller than the viewport */
    max-height: calc(100dvh - 78px);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    /* Fully hidden when closed (opacity + visibility, so nothing peeks over the top) */
    opacity: 0;
    visibility: hidden;
    transform: translateY(-12px);
    transition: opacity 0.25s ease, transform 0.25s ease, visibility 0.25s;
  }
  .nav-links.is-open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: 14px 4px; font-size: 17px; }
  .nav-cta { margin: 10px 0 0; width: 100%; }
  .nav-cta .btn { width: 100%; justify-content: center; text-align: center; }
}

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 15px;
  font-family: var(--font-display);
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s, box-shadow 0.2s, background 0.2s, color 0.2s;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary { background: var(--sky); color: var(--navy); border-color: var(--sky); }
.btn-primary:hover { background: var(--sky-dark); border-color: var(--sky-dark); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-dark); color: var(--sky); transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.6); }
.btn-outline-white:hover { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn-lg { padding: 18px 36px; font-size: 17px; }

/* ============ HERO ============ */
.hero {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: clamp(80px, 10vw, 140px) 0 clamp(80px, 10vw, 140px);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(77,177,245,0.18), transparent 70%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero h1 { color: var(--white); margin-bottom: 0.4em; }
.hero h1 .accent { color: var(--sky); }
.hero-lead {
  font-size: clamp(1.05rem, 1.5vw, 1.25rem);
  color: rgba(255,255,255,0.85);
  margin-bottom: 36px;
  max-width: 560px;
}
.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 18px;
  background: rgba(77,177,245,0.15);
  color: var(--sky);
  border-radius: var(--radius-pill);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 24px;
  border: 1px solid rgba(77,177,245,0.3);
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust {
  display: flex; gap: 28px; flex-wrap: wrap;
  font-size: 14px; color: rgba(255,255,255,0.7);
}
.hero-trust span::before {
  content: '✓ ';
  color: var(--sky);
  font-weight: 700;
}
.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  width: 100%;
  max-width: 360px;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.hero-card-label { font-size: 12px; color: var(--slate); letter-spacing: 0.1em; text-transform: uppercase; font-weight: 700; }
.hero-card-score { display: flex; align-items: baseline; gap: 12px; margin: 8px 0 4px; }
.hero-card-score .from { font-size: 22px; color: var(--slate); text-decoration: line-through; font-weight: 700; }
.hero-card-score .to { font-size: 56px; color: var(--navy); font-weight: 800; line-height: 1; letter-spacing: -0.02em; }
.hero-card-score .arrow { color: var(--sky); font-size: 22px; }
.hero-card-delta {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--sky-light); color: var(--navy);
  padding: 6px 12px; border-radius: var(--radius-pill);
  font-weight: 700; font-size: 13px;
}
.hero-card-bar { height: 8px; background: var(--sky-light); border-radius: 4px; margin: 24px 0 12px; overflow: hidden; }
.hero-card-bar-fill { height: 100%; width: 78%; background: linear-gradient(90deg, var(--sky), var(--sky-dark)); border-radius: 4px; }
.hero-card-foot { display: flex; justify-content: space-between; font-size: 12px; color: var(--slate); }
.hero-card-badge {
  position: absolute;
  top: -16px; right: -16px;
  background: var(--sky); color: var(--navy);
  width: 80px; height: 80px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 13px; text-align: center;
  box-shadow: var(--shadow);
  line-height: 1.1;
  transform: rotate(-8deg);
}

@media (max-width: 880px) {
  .hero-inner { grid-template-columns: 1fr; gap: 56px; }
  .hero-visual { order: -1; }
  .hero-card { max-width: 320px; }
}

/* ============ STATS BAND ============ */
.stats {
  background: var(--off-white);
  padding: 60px 0;
  border-bottom: 1px solid var(--border);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.stat-num {
  font-size: clamp(2.2rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1;
}
.stat-num .unit { color: var(--sky); }
.stat-label { font-size: 14px; color: var(--slate); margin-top: 10px; font-weight: 600; }
@media (max-width: 700px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 36px 20px; }
}

/* ============ SECTION HEAD ============ */
.section-head { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.section-eyebrow {
  display: inline-block;
  background: var(--sky-light);
  color: var(--navy);
  padding: 6px 16px;
  border-radius: var(--radius-pill);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.section-head p { color: var(--slate); font-size: 1.1rem; }
.section-head.align-left { text-align: left; margin-left: 0; }

/* ============ SERVICES / CARDS ============ */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--sky-soft); }
.card-icon {
  width: 56px; height: 56px;
  background: var(--sky-light);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  margin-bottom: 20px;
  font-size: 26px;
}
.card h3 { margin-bottom: 12px; }
.card p { color: var(--slate); margin: 0; }

/* ============ HOW IT WORKS ============ */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  counter-reset: step;
}
.step {
  background: var(--off-white);
  border: 1px solid var(--border);
  padding: 32px 28px;
  border-radius: var(--radius-lg);
  position: relative;
  counter-increment: step;
}
.step::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  top: 24px; right: 28px;
  font-size: 44px;
  font-weight: 800;
  color: var(--sky);
  opacity: 0.4;
  line-height: 1;
}
.step h3 { font-size: 1.15rem; margin-bottom: 10px; }
.step p { color: var(--slate); font-size: 15px; margin: 0; }
@media (max-width: 880px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }

/* ============ PARTNERSHIP / REFERRAL ============ */
.partner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(40px, 6vw, 64px);
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 56px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.partner::after {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(77,177,245,0.15), transparent 70%);
}
.partner-eyebrow {
  display: inline-block;
  background: rgba(77,177,245,0.15);
  color: var(--sky);
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 12px; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 18px;
  border: 1px solid rgba(77,177,245,0.3);
}
.partner h2 { color: var(--white); }
.partner p { color: rgba(255,255,255,0.85); font-size: 1.05rem; }
.partner-card {
  background: var(--white);
  color: var(--navy);
  border-radius: var(--radius);
  padding: 32px;
  position: relative;
  z-index: 1;
}
.partner-card-label { font-size: 12px; color: var(--slate); letter-spacing: 0.1em; text-transform: uppercase; font-weight: 700; margin-bottom: 12px; }
.partner-card-amount { font-size: 2.4rem; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 8px; }
.partner-card-amount .unit { color: var(--sky); }
.partner-card ul { list-style: none; padding: 0; margin: 16px 0 0; font-size: 14px; }
.partner-card ul li { padding: 6px 0; color: var(--slate-dark); }
.partner-card ul li::before { content: '↑'; color: var(--sky); font-weight: 800; margin-right: 8px; }

@media (max-width: 880px) {
  .partner { grid-template-columns: 1fr; gap: 40px; }
}

/* ============ TESTIMONIALS ============ */
.testimonials {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.testimonial {
  background: var(--off-white);
  padding: 36px 32px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
}
.testimonial-stars { color: var(--sky); font-size: 18px; margin-bottom: 16px; letter-spacing: 2px; }
.testimonial blockquote { margin: 0 0 24px; font-size: 1.05rem; color: var(--navy); font-weight: 500; line-height: 1.6; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--sky), var(--sky-dark));
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
}
.testimonial-name { font-weight: 700; font-size: 15px; }
.testimonial-meta { font-size: 13px; color: var(--slate); }

/* ============ CTA SECTION ============ */
.cta-section {
  background: linear-gradient(135deg, var(--sky) 0%, var(--sky-dark) 100%);
  color: var(--navy);
  border-radius: var(--radius-lg);
  text-align: center;
  padding: clamp(48px, 7vw, 80px);
}
.cta-section h2 { color: var(--navy); }
.cta-section p { color: var(--navy); font-size: 1.1rem; max-width: 560px; margin: 0 auto 32px; opacity: 0.85; }

/* ============ PAGE HEADER ============ */
.page-header {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: clamp(80px, 9vw, 130px) 0 clamp(64px, 8vw, 100px);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  width: 800px; height: 800px;
  background: radial-gradient(circle, rgba(77,177,245,0.12), transparent 65%);
  transform: translate(-50%, -50%);
  pointer-events: none;
}
.page-header .container { position: relative; }
.page-header h1 { color: var(--white); }
.page-header h1 .accent { color: var(--sky); }
.page-header p { color: rgba(255,255,255,0.85); font-size: 1.15rem; max-width: 640px; margin: 0 auto; }

/* ============ ABOUT PAGE ============ */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: start;
}
.about-photo {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4 / 3;
  box-shadow: 0 18px 40px rgba(26, 45, 92, 0.12);
}
.about-photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
/* Placeholder text, only shown if no photo is present */
.about-photo > span {
  display: flex; align-items: center; justify-content: center;
  width: 100%; height: 100%;
  color: var(--slate);
  text-align: center;
  font-weight: 600;
  padding: 24px;
}
.credentials {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 32px;
}
.credential {
  background: var(--off-white);
  border-left: 4px solid var(--sky);
  padding: 18px 22px;
  border-radius: var(--radius-sm);
}
.credential-name { font-weight: 800; color: var(--navy); margin: 0; font-size: 1rem; }
.credential-detail { font-size: 13px; color: var(--slate); margin: 4px 0 0; }
@media (max-width: 880px) {
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .credentials { grid-template-columns: 1fr; }
}

/* ============ RESULTS PAGE ============ */
.score-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}
.score-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
}
.score-card-amount {
  display: flex; align-items: baseline; justify-content: center; gap: 6px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}
.score-card-amount .plus { color: var(--sky); font-size: 28px; }
.score-card-amount .num { font-size: 56px; color: var(--navy); line-height: 1; }
.score-card-amount .lbl { font-size: 14px; color: var(--slate); margin-left: 6px; }
.score-card p { color: var(--slate); margin: 8px 0 0; font-size: 14px; }

/* ============ CONTACT / FORMS ============ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
@media (max-width: 880px) { .contact-grid { grid-template-columns: 1fr; gap: 40px; } }

.form {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.form h3 { margin-top: 0; margin-bottom: 8px; }
.form-intro { color: var(--slate); margin-bottom: 24px; font-size: 15px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-row.single { grid-template-columns: 1fr; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; }
.field label {
  font-size: 13px; font-weight: 700; color: var(--navy);
  margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  font-family: var(--font-body);
  font-size: 15px;
  padding: 14px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--navy);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 0;
  border-color: var(--sky);
  box-shadow: 0 0 0 3px rgba(77,177,245,0.18);
}
.field textarea { min-height: 120px; resize: vertical; }
.form button[type="submit"] { width: 100%; margin-top: 8px; justify-content: center; }
.form-note { font-size: 13px; color: var(--slate); margin-top: 16px; text-align: center; }

.partner-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--sky-light); color: var(--navy);
  padding: 6px 12px; border-radius: var(--radius-pill);
  font-size: 12px; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 12px;
}

/* ============ FOOTER ============ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand img { background: var(--white); padding: 12px 16px; border-radius: var(--radius); display: inline-block; max-width: 200px; margin-bottom: 16px; }
.footer-tagline { color: rgba(255,255,255,0.7); font-size: 14px; max-width: 280px; }
.footer h4 { color: var(--white); font-size: 14px; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 18px; font-weight: 800; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer ul li { margin-bottom: 10px; }
.footer ul a { color: rgba(255,255,255,0.7); font-size: 14px; }
.footer ul a:hover { color: var(--sky); }
.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 13px; color: rgba(255,255,255,0.5);
}
.footer-bottom a { color: rgba(255,255,255,0.6); }

/* ============ UTILITIES ============ */
.bg-light { background: var(--off-white); }
.bg-sky-light { background: var(--sky-light); }
.text-center { text-align: center; }
.mt-3 { margin-top: 24px; }
.mb-0 { margin-bottom: 0; }