/* ── PALETTE ── */
:root{--primary:#212121;--highlight:#3CE000;--soft:#F7F5F0;--divider:#E0E0E0;--text:#101010;--mid:#555;--white:#ffffff;--dark-2:#161618;--dark-3:#1e1e20;--green:#3CE000;--green-subtle:rgba(60,224,0,0.08);--radius:12px;--transition:0.28s cubic-bezier(0.4,0,0.2,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
@media(prefers-reduced-motion:no-preference){html:focus-within{scroll-behavior:smooth}}
body{font-family:'Google Sans Flex',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--text);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{text-decoration:none}

/* ── SCROLL REVEAL ── */
.reveal{opacity:0;transform:translateY(32px);transition:opacity .65s cubic-bezier(.4,0,.2,1),transform .65s cubic-bezier(.4,0,.2,1)}
.reveal.visible,.reveal-left.visible,.reveal-right.visible,.report-section-card.visible{opacity:1;transform:none;will-change:auto}
.reveal-left{opacity:0;transform:translateX(-40px);transition:opacity .65s ease,transform .65s ease}
.reveal-right{opacity:0;transform:translateX(40px);transition:opacity .65s ease,transform .65s ease}
.delay-1{transition-delay:.1s}.delay-2{transition-delay:.2s}.delay-3{transition-delay:.3s}.delay-4{transition-delay:.4s}.delay-5{transition-delay:.5s}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}.reveal,.reveal-left,.reveal-right{opacity:1!important;transform:none!important}}

.section,.series-strip,.cta-banner{content-visibility:auto;contain-intrinsic-size:0 600px}

/* ── HERO ── */
.hero{padding-top:64px;min-height:100svh;display:grid;grid-template-columns:1fr 1fr}
.hero-left{background:var(--primary);padding:80px 48px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;position:relative;overflow:hidden}
.hero-left::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 10% 80%,rgba(60,224,0,.07) 0%,transparent 65%);pointer-events:none}
.hero-right{background:var(--soft);padding:80px 48px;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;position:relative;overflow:hidden}
.hero-right::before{content:'';position:absolute;top:0;right:0;width:60%;height:100%;background:radial-gradient(ellipse 80% 70% at 100% 50%,rgba(60,224,0,.07) 0%,transparent 65%);pointer-events:none}
.hero-series-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(60,224,0,.1);border:1px solid rgba(60,224,0,.2);color:rgba(255,255,255,.7);font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 12px;border-radius:50px;margin-bottom:28px;width:fit-content;align-self:center}
.hero-series-tag .dot{width:5px;height:5px;border-radius:50%;background:var(--highlight);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.5)}}
.hero-headline{font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:clamp(32px,3.6vw,54px);font-weight:800;line-height:1.08;letter-spacing:-.025em;color:var(--white);margin-bottom:24px}
.hero-headline em{font-style:normal;color:var(--highlight)}
.hero-sub{font-size:16px;line-height:1.7;color:rgba(255,255,255,.6);max-width:440px;margin-bottom:36px}
.hero-badges{display:flex;flex-direction:column;gap:10px;margin-bottom:40px;list-style:none;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:500;color:rgba(255,255,255,.75)}
.hero-badge-dot{width:7px;height:7px;border-radius:50%;background:var(--highlight);flex-shrink:0}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}

/* ── BUTTONS ── */
.btn-primary{background:var(--white);color:var(--primary);font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:14px;font-weight:700;border:none;border-radius:50px;padding:13px 28px;cursor:pointer;display:inline-flex;align-items:center;gap:8px;transition:background var(--transition),transform var(--transition),box-shadow var(--transition);box-shadow:0 2px 16px rgba(0,0,0,.18);outline:2px solid transparent;outline-offset:3px}
.btn-primary:hover{background:#f0f0f0;transform:translateY(-2px);box-shadow:0 6px 24px rgba(0,0,0,.22)}
.btn-primary:focus-visible{outline-color:var(--highlight)}
.btn-ghost{background:transparent;color:rgba(255,255,255,.75);font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:14px;font-weight:600;border:1.5px solid rgba(255,255,255,.2);border-radius:50px;padding:12px 24px;cursor:pointer;display:inline-flex;align-items:center;gap:8px;transition:background-color var(--transition),border-color var(--transition),color var(--transition),box-shadow var(--transition),transform var(--transition);outline:2px solid transparent;outline-offset:3px}
.btn-ghost:hover{border-color:rgba(255,255,255,.5);color:#fff}
.btn-ghost:focus-visible{outline-color:var(--highlight)}
.btn-highlight{background:var(--highlight);color:var(--primary);font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:15px;font-weight:700;border:none;border-radius:50px;padding:15px 36px;cursor:pointer;display:inline-flex;align-items:center;gap:8px;transition:background-color var(--transition),border-color var(--transition),color var(--transition),box-shadow var(--transition),transform var(--transition);box-shadow:0 2px 20px rgba(60,224,0,.35);outline:2px solid transparent;outline-offset:3px}
.btn-highlight:hover{background:#2dc700;transform:translateY(-2px);box-shadow:0 6px 28px rgba(60,224,0,.45)}
.btn-highlight:focus-visible{outline-color:var(--white)}
.btn-outline-light{background:transparent;color:rgba(255,255,255,.75);font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:14px;font-weight:600;border:1.5px solid rgba(255,255,255,.2);border-radius:50px;padding:13px 28px;cursor:pointer;display:inline-flex;align-items:center;gap:8px;transition:background-color var(--transition),border-color var(--transition),color var(--transition),box-shadow var(--transition),transform var(--transition);outline:2px solid transparent;outline-offset:3px}
.btn-outline-light:hover{border-color:rgba(255,255,255,.5);color:#fff}
.btn-outline-light:focus-visible{outline-color:var(--highlight)}

/* ── CREDIT CARD ── */
.credit-card-wrap{width:100%;max-width:420px;position:relative;overflow:visible;padding-top:24px}
.report-card{background:#fff;border-radius:16px;box-shadow:0 4px 40px rgba(0,0,0,.1);overflow:hidden;will-change:transform;transform:translateZ(0)}
.report-card-header{background:var(--primary);padding:18px 24px;display:flex;align-items:center;justify-content:space-between}
.report-card-title{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.7)}
.report-card-badge{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--primary);background:var(--highlight);padding:4px 10px;border-radius:50px}
.report-card-body{padding:24px}
.bureau-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px}
.bureau-item{background:var(--soft);border-radius:10px;padding:14px 10px;text-align:center;border:1.5px solid transparent;transition:border-color .3s ease,transform .3s ease}
.bureau-item.bureau-item.active{border-color:var(--highlight);transform:translateY(-2px)}
.bureau-name{font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--mid);margin-bottom:6px}
.bureau-score{font-size:26px;font-weight:800;color:var(--primary);letter-spacing:-.03em;line-height:1}
.bureau-label{font-size:10px;color:var(--mid);margin-top:4px;font-weight:500}
.report-divider{height:1px;background:var(--divider);margin:0 0 18px}
.report-factors-title{font-size:11px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--mid);margin-bottom:12px}
.factor-row{display:flex;align-items:center;gap:10px;margin-bottom:10px}
.factor-label{font-size:12.5px;font-weight:500;color:var(--primary);flex:1;min-width:0}
.factor-bar-wrap{flex:2;height:6px;background:#eee;border-radius:50px;overflow:hidden}
.factor-bar{height:100%;border-radius:50px;width:var(--bar-w,0%);transition:width 1.2s cubic-bezier(.4,0,.2,1)}
.factor-bar.bar-green{background:var(--highlight)}.factor-bar.bar-amber{background:#f0b429}.factor-bar.bar-red{background:#e05252}
.factor-pct{font-size:11px;font-weight:700;color:var(--mid);width:32px;text-align:right;flex-shrink:0}
.report-card-footer{background:#f9f9f9;border-top:1px solid var(--divider);padding:14px 24px;display:flex;align-items:center;gap:8px}
.report-footer-icon{width:28px;height:28px;border-radius:50%;background:rgba(60,224,0,.12);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.report-footer-text{font-size:12px;color:var(--mid);line-height:1.4}
.report-footer-text strong{color:var(--primary)}
.no-inquiry-badge{position:absolute;top:-18px;right:-14px;background:var(--primary);color:var(--white);font-size:11px;font-weight:700;letter-spacing:.04em;padding:8px 14px;border-radius:50px;box-shadow:0 4px 20px rgba(0,0,0,.2);display:flex;align-items:center;gap:6px;white-space:nowrap}
.hero-right-note{margin-top:28px;font-size:13.5px;color:var(--mid);line-height:1.65;max-width:380px;text-align:center}
.hero-right-note strong{color:var(--primary)}

/* ── STATS STRIP ── */
.stats-strip{background:var(--primary);border-top:3px solid var(--highlight);padding:36px 28px;box-shadow:0 -1px 0 rgba(60,224,0,.15)}
.stats-strip-inner{max-width:1240px;margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-around;gap:24px}
.stat-item{display:flex;flex-direction:column;align-items:center;gap:4px;text-align:center}
.stat-num{font-size:28px;font-weight:700;color:var(--green);letter-spacing:-.03em;line-height:1}
.stat-label{font-size:12px;color:rgba(255,255,255,.45);font-weight:500}
.stat-divider{width:1px;height:36px;background:rgba(255,255,255,.08)}
@media(max-width:560px){.stat-divider{display:none}}

/* ── SECTION UTILITIES ── */
.section{padding:96px 28px}
.section-alt{background:var(--soft)}
.section-dark{background:var(--primary)}
.section-inner{max-width:1240px;margin:0 auto}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--highlight);margin-bottom:14px}
.section-title{font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:clamp(28px,3vw,42px);font-weight:800;line-height:1.12;letter-spacing:-.02em;color:var(--primary);margin-bottom:16px}
.section-title em{font-style:normal;color:var(--highlight)}
.section-title-light{color:var(--white)}
.section-lead{font-size:17px;line-height:1.7;color:var(--mid);max-width:600px;margin-bottom:32px}
.section-lead-light{color:rgba(255,255,255,.65)}

/* ── FLOW STEPS ── */
.flow-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:56px}
.flow-grid::before{content:'';position:absolute;top:36px;left:calc(12.5% + 28px);right:calc(12.5% + 28px);height:1px;background:linear-gradient(90deg,transparent,var(--divider) 10%,var(--divider) 90%,transparent);pointer-events:none}
.flow-step{padding:0 20px;text-align:center;position:relative;transition:transform .3s cubic-bezier(.34,1.56,.64,1)}
.flow-step:hover{transform:translateY(-6px)}
.flow-step:hover .flow-step:hover .flow-step-title{color:var(--highlight)}
.flow-num{width:72px;height:72px;border-radius:50%;background:var(--highlight);border:1.5px solid var(--highlight);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;position:relative;z-index:1;box-shadow:0 0 0 8px rgba(60,224,0,.12);transition:box-shadow .3s ease,transform .3s cubic-bezier(.34,1.56,.64,1)}
.flow-step:hover .flow-step:hover .flow-num{box-shadow:0 0 0 10px rgba(60,224,0,.18),0 12px 28px rgba(60,224,0,.3);transform:scale(1.08)}
.flow-step-icon{width:36px;height:36px;stroke:var(--primary);transition:stroke .3s ease}
.flow-step-title{font-size:15px;font-weight:700;color:var(--primary);margin-bottom:8px;transition:color .2s ease}
.flow-step-desc{font-size:13.5px;color:var(--mid);line-height:1.6}

/* ── EXPLAINER ── */
.explainer-grid{display:grid;grid-template-columns:5fr 7fr;gap:48px 72px;align-items:start}
.explainer-sticky{position:static}
.section-tag{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--highlight);margin-bottom:14px}
.explainer-cta{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:700;color:var(--primary);background:var(--highlight);border-radius:50px;padding:12px 22px;margin-bottom:32px;white-space:nowrap;transition:background var(--transition),box-shadow var(--transition),transform var(--transition);outline:2px solid transparent;outline-offset:3px}
.explainer-cta:hover{background:#2dc700;box-shadow:0 4px 20px rgba(60,224,0,.35);transform:translateY(-2px)}
.explainer-cta:focus-visible{outline-color:var(--primary)}
.explainer-stat-row{display:flex;align-items:center;gap:24px;padding:20px 0;border-top:1px solid var(--divider)}
.e-stat-num{font-size:30px;font-weight:800;color:var(--primary);letter-spacing:-.03em;line-height:1}
.e-stat-label{font-size:12px;font-weight:500;color:var(--mid);margin-top:4px;line-height:1.4}
.e-divider{width:1px;height:44px;background:var(--divider);flex-shrink:0}
/* 2x2 report cards */
.report-sections{grid-column:1 / -1;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.report-section-card{background:#fff;border:1px solid var(--divider);border-radius:14px;padding:24px 28px;opacity:0;transform:translateX(32px);transition:opacity .55s ease,transform .55s ease,border-color var(--transition),box-shadow var(--transition)}
.report-section-card:hover{border-color:rgba(60,224,0,.4);box-shadow:0 4px 24px rgba(60,224,0,.08)}
.card-icon-row{display:flex;align-items:center;gap:14px;margin-bottom:12px}
.card-icon{width:40px;height:40px;border-radius:10px;background:var(--soft);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.card-icon svg{stroke:var(--primary);width:20px;height:20px}
.card-label{font-size:11px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--mid)}
.card-title{font-size:16px;font-weight:700;color:var(--primary)}
.card-body{font-size:14px;color:var(--mid);line-height:1.7}
.card-tag{display:inline-block;margin-top:10px;font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--primary);background:rgba(60,224,0,.12);border:1px solid rgba(60,224,0,.2);padding:4px 10px;border-radius:50px}

/* ── WHY CARDS ── */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:48px}
.why-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:28px 24px;transition:background var(--transition),border-color var(--transition)}
.why-card:hover{background:rgba(255,255,255,.07);border-color:rgba(60,224,0,.25)}
.why-num{font-size:40px;font-weight:800;color:var(--green);letter-spacing:-.04em;margin-bottom:8px;line-height:1}
.why-title{font-size:16px;font-weight:700;color:var(--white);margin-bottom:8px}
.why-body{font-size:14px;color:rgba(255,255,255,.55);line-height:1.65}

/* ── SERIES STRIP ── */
.series-strip{padding:56px 28px;background:var(--soft);border-top:1px solid var(--divider)}
.series-inner{max-width:1240px;margin:0 auto}
.series-label{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--mid);margin-bottom:20px}
.series-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.series-card{background:#fff;border:1.5px solid var(--divider);border-radius:12px;padding:18px 20px;display:flex;flex-direction:column;gap:6px;transition:border-color var(--transition),box-shadow var(--transition),transform var(--transition);outline:2px solid transparent;outline-offset:2px}
.series-card:hover{border-color:rgba(60,224,0,.4);box-shadow:0 4px 20px rgba(60,224,0,.08);transform:translateY(-2px)}
.series-card:focus-visible{outline-color:var(--highlight)}
.series-card.series-card.active{border-color:var(--highlight);background:rgba(60,224,0,.04)}
.series-card-num{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--mid)}
.series-card.active .series-card.active .series-card-num{color:var(--highlight)}
.series-card-name{font-size:14px;font-weight:700;color:var(--primary);line-height:1.3}
.series-card-note{font-size:12px;color:var(--mid);line-height:1.5}
.series-card-arrow{margin-top:auto;padding-top:10px;font-size:12px;font-weight:600;color:var(--mid);display:flex;align-items:center;gap:5px;transition:color var(--transition)}
.series-card:hover .series-card:hover .series-card-arrow{color:var(--primary)}
.series-card.active .series-card.active .series-card-arrow{color:var(--highlight)}

/* ── CTA BANNER ── */
.cta-banner{padding:80px 28px;background:var(--primary);text-align:center;position:relative;overflow:hidden}
.cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 50% 100%,rgba(60,224,0,.08) 0%,transparent 70%);pointer-events:none}
.cta-banner-inner{max-width:640px;margin:0 auto;position:relative}
.cta-eyebrow{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--highlight);margin-bottom:16px}
.cta-title{font-family:'Google Sans Flex',-apple-system,sans-serif;font-size:clamp(28px,3vw,44px);font-weight:800;line-height:1.1;letter-spacing:-.02em;color:var(--white);margin-bottom:16px}
.cta-sub{font-size:16px;color:rgba(255,255,255,.6);line-height:1.65;margin-bottom:36px}
.cta-btns{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}

/* ── RESPONSIVE ── */
@media(max-width:960px){
  .hero{grid-template-columns:1fr}
  .hero-left,.hero-right{padding:64px 32px}
  .credit-card-wrap{max-width:100%}
  .flow-grid{grid-template-columns:repeat(2,1fr);gap:32px}
  .flow-grid::before{display:none}
  .explainer-grid{grid-template-columns:1fr;gap:48px}
  .explainer-sticky{position:static}
  .why-grid{grid-template-columns:1fr 1fr}
  .series-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .section{padding:64px 20px}
  .report-sections{grid-template-columns:1fr}
  .hero-left,.hero-right{padding:64px 20px}
  .flow-grid{grid-template-columns:1fr}
  .why-grid{grid-template-columns:1fr}
  .series-grid{grid-template-columns:1fr 1fr}
  .cta-btns{flex-direction:column;align-items:center}
  .stats-strip-inner{gap:16px}
}

/* ── REPORT SAMPLE ── */
.report-sample-wrap{margin-bottom:0}
.report-sample-label{display:inline-flex;align-items:center;gap:7px;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--mid);background:var(--soft);border:1px solid var(--divider);padding:6px 12px;border-radius:50px;margin-bottom:12px}
.report-sample-frame{border-radius:14px;border:1px solid var(--divider);overflow:hidden;position:relative;box-shadow:0 4px 32px rgba(0,0,0,.08);background:#fff}
.report-sample-img{width:100%;height:auto;display:block;max-height:520px;object-fit:cover;object-position:top}
.report-sample-fade{position:absolute;bottom:0;left:0;right:0;height:120px;background:linear-gradient(to bottom,transparent,rgba(255,255,255,.97))}
.report-sample-footer{position:absolute;bottom:0;left:0;right:0;padding:16px 20px;display:flex;align-items:center;justify-content:center}
.report-sample-note{font-size:12px;color:var(--mid);font-style:italic;background:rgba(255,255,255,.9);padding:4px 12px;border-radius:50px;border:1px solid var(--divider)}