:root {
  --primary: #0B6E4F;
  --primary-light: #14A076;
  --primary-dark: #084C37;
  --accent: #E8871E;
  --accent-light: #F5A623;
  --text: #1A1A2E;
  --text-light: #555770;
  --text-muted: #8E90A6;
  --bg: #FAFBFC;
  --bg-card: #FFFFFF;
  --bg-dark: #0F1923;
  --border: #E2E4E9;
  --success: #22C55E;
  --info: #3B82F6;
  --star: #FBBF24;
  --ad-bg: #F0F1F3;
  --ad-border: #D1D5DB;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.08);
  --shadow-lg: 0 10px 30px rgba(0,0,0,0.1);
  --transition: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary-light); }

img { max-width: 100%; height: auto; }

/* ─── HEADER ─── */
.site-header {
  background: var(--bg-dark);
  position: relative;
  z-index: 100;
}

.header-inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 85px;
}

.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.logo img {
  height: 75px;
  width: auto;
}

.nav-links {
  display: flex;
  gap: 28px;
  list-style: none;
}

.nav-links a {
  color: #A0AEC0;
  font-size: 14px;
  font-weight: 500;
  transition: color var(--transition);
}

.nav-links a:hover { color: white; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: white;
  margin: 5px 0;
  transition: var(--transition);
}

.header-sub {
  background: #162231;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  padding: 8px 0;
}

.header-sub-inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  gap: 20px;
  font-size: 12px;
  color: #64748B;
}

.header-sub a { color: #64748B; font-size: 12px; }
.header-sub a:hover { color: #A0AEC0; }

/* ─── AD PLACEMENTS ─── */
.ad-slot {
  background: var(--ad-bg);
  border: 2px dashed var(--ad-border);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-size: 13px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 1px;
  position: relative;
  overflow: hidden;
}

.ad-slot::before {
  content: 'Advertisement';
  position: absolute;
  top: 6px;
  left: 10px;
  font-size: 10px;
  color: var(--text-muted);
  opacity: 0.6;
}

.ad-banner {
  width: 100%;
  height: 100px;
  margin: 20px 0;
}

.ad-leaderboard {
  width: 100%;
  height: 90px;
  margin: 16px 0;
}

.ad-medium-rect {
  width: 300px;
  height: 250px;
  margin: 16px auto;
}

.ad-in-content {
  width: 100%;
  max-width: 100%;
  height: 120px;
  margin: 24px auto;
}

.ad-sidebar {
  width: 100%;
  height: 250px;
  margin: 16px 0;
}

.ad-sticky-footer {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  height: 70px;
  z-index: 90;
  border-radius: 0;
  border-top: 1px solid var(--ad-border);
  background: var(--ad-bg);
}

.ad-sticky-footer .ad-close {
  position: absolute;
  top: 4px;
  right: 10px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 50%;
  width: 22px;
  height: 22px;
  cursor: pointer;
  font-size: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
}

/* ─── HERO ─── */
.hero {
  text-align: center;
  padding: 48px 24px 32px;
  max-width: 900px;
  margin: 0 auto;
}

.hero h1 {
  font-size: 36px;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 12px;
}

.hero h1 .highlight { color: var(--primary); }

.hero .subtitle {
  font-size: 18px;
  color: var(--accent);
  font-weight: 600;
  margin-bottom: 8px;
}

.hero .desc {
  font-size: 16px;
  color: var(--text-light);
  max-width: 600px;
  margin: 0 auto;
}

/* ─── CONTAINER ─── */
.container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
}

.content-wrap {
  display: grid;
  grid-template-columns: 1fr 336px;
  gap: 40px;
  margin-top: 24px;
}

.content-main { min-width: 0; }

/* ─── QUIZ MODULE ─── */
.quiz-card {
  background: var(--bg-card);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 40px;
  max-width: 800px;
  margin: 0 auto 32px;
}

.quiz-progress {
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  margin-bottom: 32px;
  overflow: hidden;
}

.quiz-progress-fill {
  height: 100%;
  background: var(--primary);
  border-radius: 3px;
  transition: width 0.4s ease;
}

.quiz-step { display: none; }
.quiz-step.active { display: block; }

.quiz-step h2 {
  font-size: 22px;
  font-weight: 700;
  text-align: center;
  margin-bottom: 8px;
}

.quiz-step .step-label {
  text-align: center;
  color: var(--text-muted);
  font-size: 14px;
  margin-bottom: 24px;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.quiz-option {
  display: block;
  width: 100%;
  padding: 16px 20px;
  background: var(--bg);
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 500;
  color: var(--text);
  cursor: pointer;
  transition: all var(--transition);
  text-align: left;
}

.quiz-option:hover {
  border-color: var(--primary);
  background: rgba(11, 110, 79, 0.04);
}

.quiz-option.selected {
  border-color: var(--primary);
  background: rgba(11, 110, 79, 0.08);
  color: var(--primary);
}

/* ─── LOADING ─── */
.quiz-loading {
  text-align: center;
  padding: 40px;
}

.quiz-loading h3 {
  font-size: 20px;
  margin-bottom: 8px;
}

.quiz-loading p {
  color: var(--text-muted);
  margin-bottom: 24px;
}

.loading-bar {
  height: 8px;
  background: var(--border);
  border-radius: 4px;
  overflow: hidden;
  max-width: 400px;
  margin: 0 auto 16px;
}

.loading-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  border-radius: 4px;
  width: 0%;
  animation: loadProgress 3s ease-in-out forwards;
}

@keyframes loadProgress {
  0% { width: 0%; }
  30% { width: 45%; }
  60% { width: 72%; }
  90% { width: 95%; }
  100% { width: 100%; }
}

.quiz-results {
  text-align: center;
  padding: 40px;
}

.quiz-results .check-icon {
  width: 56px;
  height: 56px;
  background: var(--success);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: white;
  font-size: 28px;
}

.quiz-results h3 {
  font-size: 22px;
  margin-bottom: 8px;
}

.quiz-results p {
  color: var(--text-light);
  margin-bottom: 24px;
}

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: none;
  text-decoration: none;
}

.btn-primary {
  background: var(--primary);
  color: white;
}

.btn-primary:hover {
  background: var(--primary-dark);
  color: white;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-accent {
  background: var(--accent);
  color: white;
}

.btn-accent:hover {
  background: #D47A18;
  color: white;
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}

.btn-outline:hover {
  background: var(--primary);
  color: white;
}

.btn-dark {
  background: var(--bg-dark);
  color: white;
}

.btn-dark:hover {
  background: #1A2A3A;
  color: white;
}

.btn-block { width: 100%; }

.btn-lg {
  padding: 18px 36px;
  font-size: 17px;
}

/* ─── CARD LISTINGS ─── */
.card-listing {
  background: var(--bg-card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  padding: 24px;
  margin-bottom: 20px;
  display: grid;
  grid-template-columns: 200px 1fr auto;
  gap: 24px;
  align-items: start;
  transition: box-shadow var(--transition);
}

.card-listing:hover { box-shadow: var(--shadow-md); }

.card-listing-img {
  width: 200px;
  height: 126px;
  border-radius: var(--radius-sm);
  overflow: hidden;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 14px;
  text-align: center;
  padding: 12px;
}

.card-listing-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.card-listing-body h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 4px;
}

.card-listing-body .tagline {
  color: var(--accent);
  font-size: 14px;
  font-weight: 500;
  margin-bottom: 12px;
}

.card-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 12px;
}

.card-stars .star { color: var(--star); font-size: 16px; }
.card-stars .star.empty { color: var(--border); }

.card-details {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 16px;
}

.card-detail-item label {
  display: block;
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}

.card-detail-item span {
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
}

.card-highlights {
  list-style: none;
  padding: 0;
}

.card-highlights li {
  font-size: 13px;
  color: var(--text-light);
  padding: 3px 0;
  padding-left: 20px;
  position: relative;
}

.card-highlights li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 700;
}

.card-listing-action {
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-width: 160px;
}

/* ─── CREDIT SCORE SELECTOR ─── */
.score-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
  margin: 0 auto 40px;
}

.score-grid .score-card {
  flex: 0 1 calc(25% - 12px);
  min-width: 260px;
}

.score-card {
  background: var(--bg-card);
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  cursor: pointer;
  transition: all var(--transition);
}

.score-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.score-gauge {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 13px;
  flex-shrink: 0;
}

.score-gauge.excellent { background: #DCFCE7; color: #166534; }
.score-gauge.good { background: #D1FAE5; color: #065F46; }
.score-gauge.fair { background: #FEF9C3; color: #854D0E; }
.score-gauge.poor { background: #FED7AA; color: #9A3412; }
.score-gauge.bad { background: #FECACA; color: #991B1B; }
.score-gauge.limited { background: #E0E7FF; color: #3730A3; }
.score-gauge.new { background: #F3E8FF; color: #6B21A8; }

.score-card-body h3 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 2px;
}

.score-card-body p {
  font-size: 13px;
  color: var(--text-muted);
}

.score-card .score-cta {
  margin-left: auto;
  padding: 8px 16px;
  font-size: 13px;
}

/* ─── CREDIT LIMIT SELECTOR ─── */
.limit-section {
  text-align: center;
  max-width: 750px;
  margin: 0 auto 40px;
}

.limit-section h2 {
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 8px;
}

.limit-section .sub {
  color: var(--text-light);
  margin-bottom: 32px;
}

.limit-buttons {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.limit-btn {
  display: block;
  width: 100%;
  padding: 20px 24px;
  background: var(--bg-dark);
  color: white;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 17px;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: 0.3px;
}

.limit-btn:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.limit-btn.alt {
  background: transparent;
  color: var(--text);
  border: 2px solid var(--border);
}

.limit-btn.alt:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: rgba(11, 110, 79, 0.04);
}

/* ─── CONTENT SECTIONS ─── */
.content-section {
  background: var(--bg-card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  padding: 32px;
  margin-bottom: 24px;
}

.content-section h2 {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--text);
}

.content-section h3 {
  font-size: 18px;
  font-weight: 600;
  margin: 20px 0 10px;
  color: var(--text);
}

.content-section p {
  color: var(--text-light);
  margin-bottom: 14px;
  font-size: 15px;
  line-height: 1.7;
}

.content-section ul, .content-section ol {
  color: var(--text-light);
  margin: 12px 0 16px 24px;
  font-size: 15px;
}

.content-section li { margin-bottom: 8px; }

.content-image {
  width: 100%;
  border-radius: var(--radius-sm);
  margin: 16px 0;
}

/* ─── SIDEBAR ─── */
.sidebar {
  position: sticky;
  top: 80px;
}

.sidebar-box {
  background: var(--bg-card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  padding: 20px;
  margin-bottom: 20px;
}

.sidebar-box h4 {
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text);
}

.sidebar-box ul {
  list-style: none;
  padding: 0;
}

.sidebar-box li { margin-bottom: 8px; }

.sidebar-box a {
  font-size: 14px;
  color: var(--text-light);
}

.sidebar-box a:hover { color: var(--primary); }

/* ─── FAQ ACCORDION ─── */
.faq-list { margin-top: 16px; }

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-item:last-child { border-bottom: none; }

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  cursor: pointer;
  font-weight: 600;
  font-size: 15px;
  color: var(--text);
  background: none;
  border: none;
  width: 100%;
  text-align: left;
}

.faq-question::after {
  content: '+';
  font-size: 20px;
  color: var(--text-muted);
  transition: transform var(--transition);
}

.faq-item.open .faq-question::after {
  content: '−';
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 500px;
}

.faq-answer p {
  padding-bottom: 16px;
  color: var(--text-light);
  font-size: 14px;
  line-height: 1.7;
}

/* ─── FOOTER ─── */
.site-footer {
  background: var(--bg-dark);
  color: #A0AEC0;
  padding: 48px 0 24px;
  margin-top: 60px;
}

.footer-grid {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.footer-col h5 {
  color: white;
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 16px;
}

.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { color: #A0AEC0; font-size: 13px; }
.footer-col a:hover { color: white; }

.footer-bottom {
  max-width: 1400px;
  margin: 32px auto 0;
  padding: 24px 24px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  text-align: center;
  font-size: 12px;
  color: #64748B;
  line-height: 1.8;
}

/* ─── DISCLOSURE BAR ─── */
.disclosure-bar {
  background: #FFF7ED;
  border: 1px solid #FDBA74;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 12px;
  color: #9A3412;
  margin-bottom: 20px;
  line-height: 1.6;
}

/* ─── RESPONSIVE ─── */
@media (max-width: 960px) {
  .content-wrap {
    grid-template-columns: 1fr;
  }
  .sidebar { position: static; }
  .card-listing {
    grid-template-columns: 1fr;
  }
  .card-listing-img { width: 100%; height: 180px; }
  .card-listing-action {
    flex-direction: row;
    min-width: auto;
  }
  .card-details {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .hero h1 { font-size: 26px; }
  .hero .subtitle { font-size: 16px; }
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 85px;
    left: 0;
    right: 0;
    background: var(--bg-dark);
    padding: 16px 24px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    box-shadow: var(--shadow-md);
  }
  .quiz-card { padding: 24px; }
  .score-grid .score-card { flex: 0 1 100%; }
  .card-details { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .ad-medium-rect { width: 100%; }
}