/* ─── RESET & BASE ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg: #FAFAF8;
  --bg-alt: #F0EDE6;
  --fg: #0F1B2D;
  --fg-muted: #5A6A7E;
  --accent: #F5A623;
  --accent-dark: #D4870A;
  --navy: #0F1B2D;
  --white: #FFFFFF;
  --border: #E0DDD6;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  background: var(--bg);
  color: var(--fg);
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  line-height: 1.15;
}

/* ─── NAVBAR ─── */
.navbar {
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.navbar-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: baseline;
  gap: 16px;
}
.navbar-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.navbar-tagline {
  font-size: 0.8125rem;
  color: var(--fg-muted);
  font-weight: 400;
}

/* ─── HERO ─── */
.hero {
  padding: 80px 0 60px;
  background: var(--navy);
  color: var(--white);
}
.hero-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 20px;
}
.hero-headline {
  font-size: clamp(2.5rem, 4vw, 4rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 24px;
  line-height: 1.1;
}
.hero-sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.7;
  max-width: 460px;
}

/* ─── SCORE DISPLAY ─── */
.hero-score-display {
  display: flex;
  align-items: center;
  gap: 24px;
}
.score-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 12px;
  padding: 28px 24px;
  text-align: center;
  min-width: 140px;
}
.score-label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 8px;
}
.score-number {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 2.75rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}
.score-status {
  display: block;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
}
.score-card--after {
  border-color: var(--accent);
  background: rgba(245,166,35,0.08);
}
.score-card--after .score-number { color: var(--accent); }
.score-status--approved { color: var(--accent) !important; }
.score-arrow { flex-shrink: 0; }

/* ─── STATS ─── */
.stats-section {
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
  padding: 32px 0;
}
.stats-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: center;
  gap: 0;
}
.stat {
  flex: 1;
  text-align: center;
  padding: 0 24px;
}
.stat-number {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 4px;
}
.stat-desc {
  display: block;
  font-size: 0.8125rem;
  color: var(--fg-muted);
}
.stat-divider {
  width: 1px;
  height: 40px;
  background: var(--border);
  flex-shrink: 0;
}

/* ─── SHARED SECTION STYLES ─── */
.section-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
}
.section-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}
.section-headline {
  font-size: clamp(1.75rem, 3vw, 2.75rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 20px;
  line-height: 1.15;
}
.section-body {
  font-size: 1rem;
  color: var(--fg-muted);
  max-width: 600px;
  line-height: 1.7;
}

/* ─── CREDIT ROADMAP ─── */
.creditroadmap {
  padding: 96px 0;
}
.creditroadmap .section-headline {
  max-width: 680px;
}
.creditroadmap .section-body {
  margin-bottom: 64px;
}
.roadmap-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px 32px;
}
.roadmap-item {
  padding: 28px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.roadmap-item:hover {
  border-color: var(--accent);
  box-shadow: 0 4px 24px rgba(245,166,35,0.12);
}
.roadmap-icon {
  margin-bottom: 16px;
}
.roadmap-item h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.roadmap-item p {
  font-size: 0.875rem;
  color: var(--fg-muted);
  line-height: 1.6;
}

/* ─── GUARANTEE ─── */
.guarantee {
  background: var(--navy);
  padding: 80px 0;
}
.guarantee-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: center;
  gap: 48px;
}
.guarantee-badge svg {
  flex-shrink: 0;
}
.guarantee-text h2 {
  font-size: clamp(1.5rem, 2.5vw, 2.25rem);
  color: var(--white);
  margin-bottom: 12px;
}
.guarantee-text p {
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  max-width: 600px;
  line-height: 1.7;
}

/* ─── SERVICES ─── */
.services {
  padding: 96px 0;
}
.services .section-headline {
  margin-bottom: 56px;
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.service-card {
  padding: 40px 32px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
}
.service-icon {
  color: var(--accent);
  margin-bottom: 20px;
}
.service-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}
.service-card ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.service-card ul li {
  font-size: 0.9375rem;
  color: var(--fg-muted);
  padding-left: 16px;
  position: relative;
}
.service-card ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--accent);
}

/* ─── TESTIMONIALS ─── */
.testimonials {
  padding: 96px 0;
  background: var(--bg-alt);
}
.testimonials .section-headline {
  margin-bottom: 56px;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 32px;
}
.testimonial-score {
  display: flex;
  align-items: center;
  margin-bottom: 20px;
}
.testimonial-score-from,
.testimonial-score-to {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
}
.testimonial-score-to {
  color: var(--accent);
}
.testimonial-text {
  font-size: 0.9375rem;
  color: var(--fg);
  line-height: 1.65;
  margin-bottom: 16px;
  font-style: italic;
}
.testimonial-author {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--fg-muted);
}

/* ─── PROCESS ─── */
.process {
  padding: 96px 0;
}
.process .section-headline {
  margin-bottom: 64px;
}
.process-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.process-step {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 40px;
  padding: 48px 0;
  border-bottom: 1px solid var(--border);
  position: relative;
}
.process-step:first-child { border-top: 1px solid var(--border); }
.process-num {
  font-family: 'Playfair Display', serif;
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--accent);
  opacity: 0.25;
  line-height: 1;
  align-self: start;
}
.process-step h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.process-step p {
  font-size: 1rem;
  color: var(--fg-muted);
  max-width: 600px;
  line-height: 1.7;
}

/* ─── CLOSING ─── */
.closing {
  background: var(--accent);
  padding: 96px 0;
}
.closing-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
  text-align: center;
}
.closing h2 {
  font-size: clamp(2rem, 4vw, 3.5rem);
  color: var(--navy);
  margin-bottom: 28px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}
.closing p {
  font-size: 1.125rem;
  color: var(--navy);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.7;
  opacity: 0.8;
}

/* ─── FOOTER ─── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
}
.footer-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 64px 32px 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
}
.footer-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--white);
  display: block;
  margin-bottom: 12px;
}
.footer-brand p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.5);
  max-width: 280px;
  line-height: 1.6;
}
.footer-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
.footer-col h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 16px;
}
.footer-col p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.8;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 32px;
}
.footer-bottom p {
  max-width: 1160px;
  margin: 0 auto;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.5;
}

/* ─── RESPONSIVE ─── */
@media (max-width: 900px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero-sub { max-width: 100%; }
  .roadmap-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .process-step { grid-template-columns: 80px 1fr; gap: 24px; }
  .process-num { font-size: 2.5rem; }
  .footer-inner { grid-template-columns: 1fr; gap: 40px; }
  .guarantee-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 640px) {
  .hero { padding: 60px 0 48px; }
  .roadmap-grid { grid-template-columns: 1fr; }
  .stats-inner { flex-direction: column; gap: 24px; }
  .stat-divider { width: 40px; height: 1px; }
  .navbar-inner { padding: 0 20px; }
  .section-inner { padding: 0 20px; }
  .guarantee-inner { padding: 0 20px; }
  .footer-inner { padding: 48px 20px 32px; }
  .process-step { grid-template-columns: 1fr; }
  .process-num { font-size: 2rem; margin-bottom: 8px; }
}