/* =========================================================
   CREDITMATCHBD - CORE SITE STYLESHEET (Modern Responsive)
   File: styles.css
   Version: 2.0.0
   Scope: Master Reset, Design Tokens, Fluid Containers,
          3-Tier Navigation, Hero, Sentiment Dashboard,
          Logo-Themed EMI Box, Partner & Article Grid,
          Global Footer, Idea/Search Section, and
          Consolidated Mobile Breakpoint Engine.
   ========================================================= */

/* =========================================================
   1. DESIGN TOKENS
   ========================================================= */
:root {
  --bg: #f4f8fe;
  --surface: #ffffff;
  --surface-soft: #eef6ff;
  --navy: #081b35;
  --navy-strip: #062b77;
  --navy-deep: #04205c;
  --navy2: #071a34;
  --text: #152942;
  --text-label: #304963;
  --muted: #647993;
  --muted-light: #7890aa;

  --blue: #146cff;
  --blue-dark: #0d4fcc;
  --blue-light: #dcecff;
  --cyan: #20a9e8;
  --cyan-glow: #00d4ff;
  --green: #14845d;
  --green-bg: #e9f8f2;
  --green-border: #bcebd8;
  --gold: #d98a00;
  --amber: #f59e0b;
  --red: #d83a48;

  --border: #d7e5f5;
  --border-light: #e2e8f0;
  --shadow-sm: 0 4px 16px rgba(8, 27, 53, 0.05);
  --shadow-md: 0 10px 25px rgba(8, 27, 53, 0.08);
  --shadow-lg: 0 22px 55px rgba(8, 27, 53, 0.1);
  --max: 1280px;
}

/* =========================================================
   2. MASTER RESET
   ========================================================= */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text);
  background:
    radial-gradient(circle at 90% 0%, rgba(20, 108, 255, 0.10), transparent 28rem),
    radial-gradient(circle at 8% 26%, rgba(32, 169, 232, 0.07), transparent 22rem),
    var(--bg);
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Hind Siliguri", sans-serif;
  font-size: 0.9rem;
  line-height: 1.6;
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
}

button {
  cursor: pointer;
}

img,
video {
  max-width: 100%;
  height: auto;
  display: block;
}

/* =========================================================
   3. LAYOUT PRIMITIVES
   ========================================================= */
.container {
  width: min(calc(100% - 2rem), var(--max));
  margin: 0 auto;
}

.section {
  padding: clamp(2rem, 4vw, 2.8rem) 0;
}

.section-heading {
  max-width: 46rem;
  margin-bottom: 1.3rem;
}

.section-heading.text-center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-label {
  display: inline-flex;
  padding: 0.28rem 0.68rem;
  margin-bottom: 0.55rem;
  color: var(--blue-dark);
  background: var(--blue-light);
  border: 1px solid #bdd8ff;
  border-radius: 999px;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  box-shadow: 0 4px 12px rgba(20, 108, 255, 0.08);
}

.section-heading h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(1.5rem, 2.8vw, 2.2rem);
  line-height: 1.18;
  font-weight: 750;
  letter-spacing: -0.02em;
}

.section-heading p {
  margin: 0.45rem 0 0;
  color: var(--muted);
  font-size: 0.88rem;
}

/* =========================================================
   4. BUTTONS
   ========================================================= */
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 2.6rem;
  padding: 0.6rem 1.2rem;
  border: 1px solid transparent;
  border-radius: 0.6rem;
  font-size: 0.82rem;
  font-weight: 700;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-primary {
  color: #ffffff !important;
  background: linear-gradient(110deg, var(--blue-dark), var(--blue));
  box-shadow: 0 0.55rem 1.1rem rgba(20, 108, 255, 0.2);
}

.button-secondary {
  color: var(--blue-dark);
  background: #ffffff;
  border-color: #bfd6f3;
  box-shadow: 0 2px 6px rgba(8, 27, 53, 0.04);
}

.button-secondary:hover {
  border-color: var(--blue);
  background: var(--surface-soft);
}

/* =========================================================
   5. MASTER HEADER (3-TIER)
   ========================================================= */
.cm-exact-header {
  width: 100%;
  background: #ffffff;
  border-bottom: 1px solid #e5e7eb;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 4px 18px rgba(8, 27, 53, 0.04);
}

.cm-header-container {
  width: min(calc(100% - 2rem), var(--max));
  margin: 0 auto;
  padding: 0 16px;
}

/* Tier 1: Micro utility bar */
.cm-top-bar {
  background: #ffffff;
  border-bottom: 1px solid #f1f5f9;
  padding: 6px 0;
  font-size: 11.5px;
  color: #4b5563;
}

.cm-top-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}

.cm-trust-group {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.cm-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-weight: 500;
}

.cm-icon {
  width: 13px;
  height: 13px;
  color: var(--blue);
  flex-shrink: 0;
}

.cm-top-links {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 600;
}

.cm-top-links a {
  color: #374151;
  transition: color 0.15s;
}

.cm-top-links a:hover {
  color: var(--blue-dark);
}

.cm-link-divider {
  width: 1px;
  height: 11px;
  background: #d1d5db;
}

/* Tier 2: Branding + Search + Actions */
.cm-main-bar {
  padding: 12px 0;
  background: #ffffff;
}

.cm-main-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.cm-brand-wrap {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}

.cm-site-logo-img,
.site-logo-img {
  height: clamp(32px, 4vw, 40px);
  width: auto;
  max-width: 200px;
  object-fit: contain;
  display: block;
}

.cm-search-container {
  flex: 1;
  min-width: 220px;
  max-width: 480px;
  position: relative;
  display: flex;
  align-items: center;
}

.cm-search-input {
  width: 100%;
  height: 42px;
  padding: 0 42px 0 16px;
  background: #ffffff;
  border: 1px solid #d1d5db;
  border-radius: 24px;
  font-size: 13px;
  color: #1f2937;
  outline: none;
  transition: all 0.2s ease;
}

.cm-search-input:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
}

.cm-search-input::placeholder {
  color: #9ca3af;
}

.cm-search-submit {
  position: absolute;
  right: 12px;
  background: transparent;
  border: none;
  cursor: pointer;
  display: grid;
  place-items: center;
  padding: 4px;
}

.cm-action-group {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.cm-lang-pill {
  display: inline-flex;
  background: #f3f4f6;
  border: 1px solid #e5e7eb;
  border-radius: 18px;
  padding: 2px;
}

.cm-lang-btn {
  border: none;
  background: transparent;
  font-size: 11.5px;
  font-weight: 700;
  padding: 5px 10px;
  border-radius: 14px;
  color: #4b5563;
  cursor: pointer;
}

.cm-lang-btn.active {
  background: #ffffff;
  color: var(--blue-dark);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.08);
}

.cm-btn-check-match {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--blue-dark);
  color: #ffffff !important;
  font-size: 12.5px;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: 20px;
  box-shadow: 0 3px 10px rgba(20, 108, 255, 0.25);
  transition: all 0.2s ease;
}

.cm-btn-check-match:hover {
  background: #0b3fa8;
  transform: translateY(-1px);
}

/* Tier 3: Navy navigation strip */
.cm-navy-strip {
  background: var(--navy-strip);
  color: #ffffff;
  position: relative;
}

.cm-navy-flex {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  min-height: 48px;
  gap: 0.5rem;
}

.cm-all-services-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--navy-deep);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.15);
  padding: 6px 12px;
  border-radius: 6px;
  font-size: 12px;
  font-weight: 700;
}

.cm-nav-tabs {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px;
  height: 100%;
}

.cm-tab {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  height: 100%;
  padding: 0 12px;
  color: #cbd5e1;
  font-size: 11px;
  font-weight: 600;
  position: relative;
  transition: color 0.15s ease;
  gap: 2px;
}

.cm-tab-svg {
  width: 14px;
  height: 14px;
}

.cm-tab:hover,
.cm-tab.active {
  color: #ffffff;
}

.cm-tab.active::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 8px;
  right: 8px;
  height: 3px;
  background: var(--amber);
  border-radius: 2px 2px 0 0;
}

.cm-instant-hub-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--amber);
  color: #ffffff !important;
  font-size: 11.5px;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 20px;
  transition: all 0.2s ease;
}

.cm-instant-hub-btn:hover {
  background: rgba(245, 158, 11, 0.15);
}

.cm-hub-icon {
  color: var(--amber);
}

.cm-green-dot {
  width: 6px;
  height: 6px;
  background: #10b981;
  border-radius: 50%;
  box-shadow: 0 0 6px #10b981;
}

/* Mega menu */
.mega-menu-panel {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  background: #ffffff;
  border-bottom: 3px solid var(--blue);
  box-shadow: 0 20px 40px rgba(8, 27, 53, 0.15);
  z-index: 60;
  color: #1e293b;
  padding: 24px 0;
}

.mega-menu-panel.open {
  display: block;
}

.mega-menu-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  font-size: 12px;
}

.mega-menu-col h4 {
  font-weight: 800;
  font-size: 13px;
  color: var(--navy);
  margin: 0 0 10px;
  padding-bottom: 4px;
  border-bottom: 1px solid var(--border-light);
}

.mega-menu-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.mega-menu-col li {
  margin-bottom: 8px;
}

.mega-menu-col a {
  color: #475569;
  font-weight: 600;
  transition: color 0.15s;
}

.mega-menu-col a:hover {
  color: var(--blue);
}

/* =========================================================
   6. HERO SECTION
   ========================================================= */
.hero {
  position: relative;
  width: min(calc(100% - 2rem), var(--max));
  margin: 0 auto;
  padding: clamp(2.5rem, 5vw, 3.8rem) 0 2.4rem;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2.8rem;
  align-items: center;
}

@media (min-width: 981px) {
  .hero {
    grid-template-columns: 1fr 1fr;
  }
}

.hero > div:first-child {
  position: relative;
  z-index: 2;
}

.hero-badge {
  display: inline-flex;
  padding: 0.34rem 0.75rem;
  color: var(--blue-dark);
  background: var(--blue-light);
  border: 1px solid #bdd8ff;
  border-radius: 999px;
  font-size: 0.7rem;
  font-weight: 750;
}

.hero h1 {
  margin: 0.85rem 0 1rem;
  color: var(--navy);
  font-size: clamp(2.2rem, 4.4vw, 3.8rem);
  line-height: 1.05;
  letter-spacing: -0.04em;
  font-weight: 800;
}

.gradient-text {
  background: linear-gradient(100deg, var(--navy), var(--blue), var(--cyan));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero p {
  margin: 0;
  color: var(--muted);
  font-size: clamp(0.85rem, 1.2vw, 0.94rem);
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.8rem;
  margin-top: 1.4rem;
}

.hero-note {
  margin-top: 0.9rem !important;
  color: var(--muted-light) !important;
  font-size: 0.72rem !important;
  max-width: 34rem;
}

/* Hero video widget */
.hero-video-widget {
  position: relative;
  width: 100%;
  max-width: 625px;
  min-height: 255px;
  background-color: var(--navy);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2.5px 12.5px;
  margin: 0 auto;
}

.hero-video-widget.collapsed {
  display: none !important;
}

.video-screen-frame {
  position: relative;
  width: 100%;
  max-width: 600px;
  min-height: 250px;
  background: #02070f;
  border-radius: 8px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
}

.video-element {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.ima-overlay-layer {
  position: absolute;
  inset: 0;
  pointer-events: auto;
  z-index: 5;
}

.video-sound-toggle {
  position: absolute;
  bottom: 10px;
  right: 10px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(8, 27, 53, 0.85);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: var(--cyan-glow);
  display: grid;
  place-items: center;
  cursor: pointer;
  z-index: 10;
  backdrop-filter: blur(4px);
}

.video-sound-toggle:hover {
  transform: scale(1.08);
  background: var(--blue);
  color: #ffffff;
}

.native-fallback-box {
  display: none;
  width: 100%;
  height: 100%;
  padding: 1.25rem;
  background: var(--surface);
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
}

.native-fallback-box.active {
  display: flex;
}

.fallback-tag {
  font-size: 0.65rem;
  color: var(--blue);
  font-weight: 750;
  letter-spacing: 0.06em;
}

.native-fallback-box strong {
  font-size: 1rem;
  color: var(--navy);
  margin: 0.3rem 0;
}

.native-fallback-box p {
  font-size: 0.76rem;
  color: var(--muted);
  margin: 0 0 0.75rem;
  max-width: 440px;
}

.fallback-cta {
  padding: 6px 14px;
  background: var(--blue);
  color: #ffffff !important;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.75rem;
}

/* =========================================================
   7. AUDIENCE SENTIMENT DASHBOARD
   ========================================================= */
.dashboard-section {
  padding-top: 1rem;
}

.dashboard-custom-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
  align-items: stretch;
}

@media (min-width: 981px) {
  .dashboard-custom-grid {
    grid-template-columns: 1.4fr 0.6fr;
  }
}

.sentiment-main-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: 18px;
  padding: 1.15rem 1.25rem;
  box-shadow: 0 4px 20px -2px rgba(15, 23, 42, 0.02);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.dashboard-topline {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 0.85rem;
}

.insight-pill-row {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #f0f7ff;
  border: 1px solid #dbeafe;
  padding: 2px 8px;
  border-radius: 20px;
  margin-bottom: 6px;
}

.pulse-indicator {
  width: 6px;
  height: 6px;
  background: #10b981;
  border-radius: 50%;
  box-shadow: 0 0 6px rgba(16, 185, 129, 0.6);
}

.insight-kicker {
  font-size: 10.5px;
  font-weight: 700;
  color: #0369a1;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.dashboard-heading {
  margin: 0;
  color: #0f172a;
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: -0.01em;
  line-height: 1.25;
}

.dashboard-subtext {
  margin: 0.2rem 0 0;
  color: #64748b;
  font-size: 12px;
}

.minimal-link-btn {
  display: inline-flex;
  align-items: center;
  font-size: 11.5px;
  font-weight: 650;
  color: #0284c7;
  padding: 4px 10px;
  background: #f8fafc;
  border: 1px solid var(--border-light);
  border-radius: 20px;
  transition: all 0.2s ease;
}

.minimal-link-btn:hover {
  background: #0284c7;
  color: #ffffff;
  border-color: #0284c7;
}

.sentiment-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0.65rem;
  margin-bottom: 0.65rem;
}

.sentiment-item {
  background: #fcfdfd;
  border: 1px solid #edf2f7;
  border-radius: 14px;
  padding: 0.75rem 0.9rem;
  transition: transform 0.2s ease, border-color 0.2s ease;
}

.sentiment-item:hover {
  transform: translateY(-2px);
  border-color: #cbd5e1;
}

.sentiment-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 0.4rem;
}

.sent-icon-wrap {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  font-size: 14px;
}

.sent-product-name {
  display: block;
  font-size: 12.5px;
  font-weight: 750;
  color: #0f172a;
}

.sent-category {
  font-size: 9.5px;
  color: #64748b;
}

.sentiment-metrics-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.4rem;
}

.sent-label {
  display: block;
  font-size: 9px;
  color: #94a3b8;
  font-weight: 600;
  text-transform: uppercase;
}

.sent-val {
  font-size: 12.5px;
  font-weight: 750;
}

.text-blue { color: #0284c7; }
.text-amber { color: #d97706; }
.text-emerald { color: #059669; }
.text-purple { color: #7c3aed; }

.sent-badge {
  font-size: 9px;
  font-weight: 700;
  padding: 2px 5px;
  border-radius: 4px;
}

.badge-green { background: #ecfdf5; color: #059669; }
.badge-amber { background: #fef3c7; color: #d97706; }
.badge-purple { background: #f3e8ff; color: #7c3aed; }

.mini-progress-bar {
  width: 100%;
  height: 5px;
  background: #f1f5f9;
  border-radius: 5px;
  overflow: hidden;
  margin-top: 0.4rem;
}

.mini-progress-bar span {
  display: block;
  height: 100%;
  background: #0284c7;
  border-radius: 5px;
}

.dashboard-demographics {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.25rem;
  align-items: center;
  background: #f8fafc;
  border: 1px solid #eef2f6;
  border-radius: 12px;
  padding: 0.65rem 0.85rem;
}

.demo-tag {
  font-size: 9.5px;
  font-weight: 700;
  color: #0369a1;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  display: block;
  margin-bottom: 2px;
}

.demo-title {
  margin: 0;
  font-size: 11.5px;
  font-weight: 600;
  color: #1e293b;
  line-height: 1.35;
}

.dashboard-side-stack {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

/* =========================================================
   8. LOGO-THEMED EMI BOX
   ========================================================= */
.logo-themed-emi-box {
  background: linear-gradient(135deg, #0b2343 0%, #123b69 100%);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 16px;
  padding: 1.25rem;
  color: #ffffff;
  box-shadow: 0 8px 24px rgba(11, 35, 67, 0.15);
}

.calc-card-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 0.35rem;
}

.calc-title-group {
  display: flex;
  align-items: center;
  gap: 8px;
}

.calc-icon-bubble-dark {
  width: 28px;
  height: 28px;
  border-radius: 7px;
  background: rgba(20, 108, 255, 0.25);
  border: 1px solid rgba(20, 108, 255, 0.4);
  display: grid;
  place-items: center;
  color: #60a5fa;
}

.calc-title-light {
  margin: 0;
  font-size: 12.5px;
  font-weight: 750;
  color: #ffffff;
}

.calc-sub-light {
  display: block;
  font-size: 9.5px;
  color: #94a8bd;
}

.calc-badge-dark {
  font-size: 9px;
  font-weight: 750;
  color: #ffffff;
  background: var(--blue);
  padding: 2px 7px;
  border-radius: 4px;
  letter-spacing: 0.04em;
}

.calc-desc-light {
  margin: 0.6rem 0 1rem;
  font-size: 11px;
  color: #cbd5e1;
  line-height: 1.45;
}

.calc-action-btn-light {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #ffffff;
  color: #0b2343 !important;
  font-size: 11px;
  font-weight: 750;
  padding: 7px 12px;
  border-radius: 8px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  transition: transform 0.15s ease, background 0.15s ease;
}

.calc-action-btn-light:hover {
  background: #f8fafc;
  transform: translateY(-1px);
}

/* Sponsored ad box */
.sponsored-ad-box {
  background: linear-gradient(135deg, #0b1f3a 0%, #173b67 100%);
  border-radius: 16px;
  padding: 1.15rem;
  color: #fff;
}

.sponsored-ad-box + .sponsored-ad-box {
  margin-top: 1rem;
}

/* =========================================================
   9. CHECKER GRID
   ========================================================= */
.checker-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 0.85rem;
}

.checker-card {
  position: relative;
  min-height: 13.5rem;
  padding: 1.1rem;
  overflow: hidden;
  border-radius: 0.85rem;
  background: var(--surface);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.checker-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-0.25rem);
}

.checker-icon {
  display: grid;
  width: 2.5rem;
  height: 2.5rem;
  place-items: center;
  color: #fff;
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  border-radius: 0.6rem;
  font-size: 1.1rem;
}

.checker-card:nth-child(2) .checker-icon { background: linear-gradient(135deg, #0c7db5, var(--cyan)); }
.checker-card:nth-child(3) .checker-icon { background: linear-gradient(135deg, #2468d8, #6aa8ff); }
.checker-card:nth-child(4) .checker-icon { background: linear-gradient(135deg, #147d67, #22b881); }

.checker-card h3 {
  margin: 0.75rem 0 0.35rem;
  color: var(--navy);
  font-size: 0.94rem;
  line-height: 1.3;
}

.checker-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.78rem;
}

.checker-card a {
  position: relative;
  z-index: 2;
  display: inline-block;
  margin-top: 0.75rem;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 700;
}

/* =========================================================
   10. WHY VISIT SECTION
   ========================================================= */
.why-visit-section {
  padding: 40px 0 20px 0;
}

.why-visit-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
  margin: 28px 0 32px 0;
}

.why-visit-card {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: 16px;
  padding: 24px 14px 18px 14px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  box-shadow: 0 4px 16px rgba(8, 27, 53, 0.04);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.why-visit-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(0, 102, 204, 0.12);
  border-color: #0066cc;
}

.why-icon-circle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, #0070e0 0%, #0052a3 100%);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  box-shadow: 0 6px 14px rgba(0, 102, 204, 0.25);
}

.why-visit-card h3 {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 8px 0;
  line-height: 1.3;
  min-height: 38px;
  display: flex;
  align-items: center;
}

.why-visit-card p {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.45;
  margin: 0 0 14px 0;
  flex: 1;
}

.why-card-line {
  width: 32px;
  height: 3px;
  background: #0066cc;
  border-radius: 3px;
  opacity: 0.7;
}

/* =========================================================
   11. CARD AD CAROUSEL
   ========================================================= */
.card-ad-carousel {
  position: relative;
  width: min(100%, 420px);
  aspect-ratio: 1.586 / 1;
  margin: 0 auto;
  overflow: hidden;
  border-radius: 18px;
  background: #ffffff;
  box-shadow:
    0 18px 45px rgba(11, 31, 58, 0.16),
    0 4px 12px rgba(11, 31, 58, 0.08);
  border: 1px solid #e5e7eb;
}

.card-ad-track {
  display: flex;
  width: 200%;
  height: 100%;
  transform: translateX(0);
  transition: transform 0.45s ease-in-out;
}

.card-ad-slide {
  position: relative;
  flex: 0 0 50%;
  width: 50%;
  height: 100%;
}

.card-ad-slide a {
  display: block;
  width: 100%;
  height: 100%;
}

.card-ad-slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  user-select: none;
  -webkit-user-drag: none;
}

.card-ad-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 32px;
  height: 32px;
  border: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.92);
  color: #0b1f3a;
  font-size: 25px;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: 0 5px 16px rgba(0, 0, 0, 0.16);
  z-index: 5;
  transition: transform 0.2s ease, background 0.2s ease;
}

.card-ad-arrow:hover {
  background: #ffffff;
}

.card-ad-arrow:active {
  transform: translateY(-50%) scale(0.94);
}

.card-ad-prev { left: 10px; }
.card-ad-next { right: 10px; }

.card-ad-dots {
  position: absolute;
  left: 50%;
  bottom: 10px;
  transform: translateX(-50%);
  display: flex;
  gap: 6px;
  padding: 5px 8px;
  border-radius: 20px;
  background: rgba(11, 31, 58, 0.55);
  backdrop-filter: blur(8px);
  z-index: 5;
}

.card-ad-dot {
  width: 7px;
  height: 7px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.55);
  cursor: pointer;
  transition: width 0.25s ease, background 0.25s ease;
}

.card-ad-dot.active {
  width: 20px;
  border-radius: 10px;
  background: #ffffff;
}

/* =========================================================
   12. PARTNER & ARTICLE GRID
   ========================================================= */
.partner-article-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  align-items: stretch;
}

@media (min-width: 981px) {
  .partner-article-grid {
    grid-template-columns: 1.6fr 0.85fr;
  }
}

.ad-banner-frame-ref2 {
  position: relative;
  display: grid;
  grid-template-columns: 1fr;
  background: linear-gradient(135deg, #18093d 0%, #3e1b99 50%, #6030ea 100%);
  border: 6px solid #7354ec;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(24, 9, 61, 0.2);
  padding: 12px;
  height: 100%;
}

.ad-banner-left-ref2 { padding: 10px 12px; }

.ad-bold-lead-ref2 {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  gap: 10px;
  font-weight: 950;
  font-size: clamp(1.4rem, 3vw, 1.8rem);
  letter-spacing: -0.04em;
  color: #e5ff24;
  text-transform: uppercase;
  text-shadow: 0 3px 12px rgba(229, 255, 36, 0.3);
}

.ad-banner-right-ref2 {
  background: #ffffff;
  border-radius: 12px;
  padding: 18px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  align-items: center;
}

.ad-tag-pill-ref2 {
  display: inline-block;
  font-size: 9.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  color: #5527d7;
  margin-bottom: 4px;
}

.ad-banner-title-ref2 {
  margin: 0 0 6px;
  font-size: 1.15rem;
  color: var(--navy);
  font-weight: 800;
  letter-spacing: -0.02em;
}

.ad-banner-desc-ref2 {
  margin: 0 0 12px;
  color: #516377;
  font-size: 11.5px;
  line-height: 1.5;
}

.ad-banner-btn-ref2 {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  min-height: 38px;
  padding: 0 16px;
  border-radius: 10px;
  background: #111827;
  color: #ffffff !important;
  font-size: 12px;
  font-weight: 750;
  box-shadow: 0 4px 12px rgba(17, 24, 39, 0.2);
  transition: transform 0.15s ease, background-color 0.15s ease;
}

.ad-banner-btn-ref2:hover {
  background: #000000;
  transform: translateY(-1px);
}

.ad-graphic-side {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.ad-stat-bubble {
  background: #ffffff;
  border: 1px solid #dbe6f5;
  border-radius: 12px;
  padding: 8px 12px;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 12px rgba(11, 35, 67, 0.05);
  width: fit-content;
  margin-left: auto;
}

.ad-stat-icon {
  width: 28px;
  height: 28px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  font-size: 12px;
}

.ad-stat-info strong {
  display: block;
  font-size: 11px;
  color: var(--navy);
}

.ad-stat-info span {
  font-size: 9.5px;
  color: #63778e;
}

.ad-mock-card {
  background: #ffffff;
  border: 1px solid #dbe6f5;
  border-radius: 12px;
  padding: 12px 14px;
  box-shadow: 0 6px 16px rgba(11, 35, 67, 0.06);
}

.ad-mock-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
  gap: 8px;
}

.ad-mock-bar {
  height: 6px;
  background: linear-gradient(90deg, #6030ea, #9065ff);
  border-radius: 4px;
}

.ad-mock-badge {
  font-size: 9px;
  font-weight: 750;
  color: #059669;
  background: #ecfdf5;
  padding: 2px 6px;
  border-radius: 8px;
}

.ad-mock-metrics {
  display: flex;
  gap: 12px;
  border-top: 1px solid #f1f5f9;
  padding-top: 6px;
}

.ad-mock-metrics small {
  display: block;
  font-size: 9.5px;
  color: #64748b;
}

.ad-mock-metrics strong {
  font-size: 12px;
  color: var(--navy);
}

.article-vertical-stack {
  display: flex;
  flex-direction: column;
  gap: 1.1rem;
  height: 100%;
}

.article-box {
  background: #ffffff;
  border: 1px solid var(--border-light);
  border-radius: 16px;
  overflow: hidden;
  display: flex;
  flex-direction: row;
  align-items: stretch;
  box-shadow: 0 4px 16px -4px rgba(15, 23, 42, 0.04);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  flex: 1;
}

.article-box:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px -4px rgba(15, 23, 42, 0.08);
  border-color: #cbd5e1;
}

.article-img-wrap {
  width: 130px;
  min-height: 110px;
  position: relative;
  flex-shrink: 0;
}

.article-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  top: 0;
  left: 0;
}

.article-tag {
  position: absolute;
  top: 8px;
  left: 8px;
  background: rgba(11, 31, 58, 0.85);
  color: #ffffff;
  font-size: 8px;
  font-weight: 800;
  padding: 2px 6px;
  border-radius: 4px;
  letter-spacing: 0.05em;
  backdrop-filter: blur(4px);
}

.article-box-content {
  padding: 1rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  flex: 1;
}

.article-box-content h4 {
  margin: 0 0 4px;
  font-size: 12.5px;
  font-weight: 750;
  color: #0f172a;
  line-height: 1.35;
}

.article-box-content p {
  margin: 0 0 8px;
  font-size: 10.5px;
  color: #64748b;
  line-height: 1.4;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.article-read-btn {
  align-self: flex-start;
  font-size: 11px;
  font-weight: 750;
  color: #0284c7;
  background: #f0f9ff;
  padding: 3px 8px;
  border-radius: 6px;
  transition: all 0.2s ease;
}

.article-read-btn:hover {
  background: #0284c7;
  color: #ffffff;
}

/* =========================================================
   13. GLOBAL AD SLOT
   ========================================================= */
.global-ad-slot {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  width: 100%;
}

.ad-label {
  font-size: 9px;
  font-weight: 700;
  color: #94a3b8;
  letter-spacing: 0.1em;
  margin-bottom: 6px;
  text-transform: uppercase;
}

/* =========================================================
   14. FOOTER
   ========================================================= */
.site-footer {
  margin-top: 2rem;
  padding: 3rem 0 1.2rem;
  color: #ffffff;
  background: var(--navy);
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.4rem;
}

.footer-logo-link {
  display: inline-block;
  margin-bottom: 0.85rem;
}

.footer-logo-img {
  height: 36px;
  width: auto;
  max-width: 170px;
  object-fit: contain;
  display: block;
}

.footer-grid h3 {
  margin: 0 0 0.6rem;
  color: #ffffff;
  font-size: 0.84rem;
  font-weight: 750;
  letter-spacing: 0.02em;
}

.footer-grid p,
.footer-grid a {
  display: block;
  margin: 0.35rem 0;
  color: #c7d8ed;
  font-size: 0.75rem;
  line-height: 1.55;
}

.footer-grid a:hover {
  color: #8dcbff;
  text-decoration: underline;
}

.social-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 0.85rem;
}

.social-links a {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.65rem;
  color: #d7e8ff;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(194, 222, 255, 0.18);
  border-radius: 0.45rem;
  font-size: 0.7rem;
  font-weight: 700;
}

.social-links a:hover {
  color: #ffffff;
  background: rgba(20, 108, 255, 0.28);
  text-decoration: none;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 0.8rem;
  flex-wrap: wrap;
  margin-top: 1.4rem;
  padding-top: 0.85rem;
  color: #9ab5d1;
  border-top: 1px solid #21466f;
  font-size: 0.68rem;
}

/* =========================================================
   15. IDEA / SEARCH SECTION (consolidated — single source)
   ========================================================= */
.cmbd-idea-section {
  width: 100%;
  min-height: 620px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  padding: 70px 24px;
  background:
    radial-gradient(circle at 5% 50%, rgba(20, 108, 255, 0.13), transparent 34%),
    radial-gradient(circle at 95% 85%, rgba(32, 169, 232, 0.10), transparent 32%),
    var(--bg);
  border-top: 1px solid var(--border-light);
}

.cmbd-idea-section::before {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  top: -280px;
  right: -180px;
  background: rgba(20, 108, 255, 0.07);
  filter: blur(90px);
  border-radius: 50%;
  pointer-events: none;
}

.cmbd-idea-content {
  width: min(100%, var(--max));
  margin: 0 auto;
  text-align: center;
  position: relative;
  z-index: 2;
}

.cmbd-brand-mark {
  width: 48px;
  height: 48px;
  margin: 0 auto 25px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 11px;
  background: var(--navy);
  color: #ffffff;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: -0.3px;
  box-shadow: 0 8px 22px rgba(8, 27, 53, 0.16);
}

.cmbd-idea-title {
  margin: 0;
  color: var(--navy);
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  font-size: clamp(38px, 4.5vw, 60px);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -2.8px;
}

.cmbd-idea-gradient {
  margin: 7px 0 38px;
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  font-size: clamp(36px, 4.3vw, 58px);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -2.8px;
  background: linear-gradient(90deg, var(--blue-dark) 0%, var(--blue) 48%, var(--cyan) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.cmbd-search-form {
  width: min(100%, 1140px);
  height: 68px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  padding: 5px 6px 5px 23px;
  background: var(--surface);
  border: 1px solid #bfd6f3;
  border-radius: 16px;
  box-shadow: 0 8px 28px rgba(8, 27, 53, 0.07);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.cmbd-search-form:focus-within {
  border-color: var(--blue);
  box-shadow: 0 10px 32px rgba(20, 108, 255, 0.13);
}

.cmbd-search-input {
  flex: 1;
  width: 100%;
  min-width: 0;
  height: 100%;
  border: 0;
  outline: 0;
  background: transparent;
  color: var(--text);
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  font-size: 17px;
}

.cmbd-search-input::placeholder {
  color: var(--muted);
  opacity: 1;
}

.cmbd-search-button {
  width: 58px;
  height: 58px;
  flex: 0 0 58px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 13px;
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  color: #ffffff;
  cursor: pointer;
  box-shadow: 0 6px 15px rgba(20, 108, 255, 0.24);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.cmbd-search-button span {
  font-size: 31px;
  line-height: 1;
  font-weight: 300;
  margin-top: -3px;
  transition: transform 0.2s ease;
}

.cmbd-search-button:hover {
  transform: translateY(-1px);
  box-shadow: 0 9px 20px rgba(20, 108, 255, 0.32);
}

.cmbd-search-button:hover span {
  transform: translateX(3px);
}

.cmbd-search-button:active {
  transform: scale(0.97);
}

.cmbd-idea-description {
  width: min(100%, 700px);
  margin: 17px auto 0;
  color: var(--text-label);
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  font-size: 15px;
  line-height: 1.6;
}

.cmbd-search-result {
  width: min(calc(100% - 2rem), var(--max));
  margin: 20px auto;
  padding: 15px 20px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: var(--shadow-sm);
  opacity: 0;
  transform: translateY(7px);
  pointer-events: none;
  transition: opacity 0.25s ease, transform 0.25s ease;
}

.cmbd-search-result.show {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.cmbd-result-label {
  color: var(--muted);
  font-size: 13px;
  margin-right: 7px;
}

.cmbd-search-result strong {
  color: var(--blue-dark);
  font-size: 16px;
}

/* =========================================================
   16. CONSOLIDATED MEDIA QUERIES
   ========================================================= */

/* Tablet: 900px and below */
@media (max-width: 900px) {
  .cm-top-bar {
    display: none;
  }

  .cm-nav-tabs {
    overflow-x: auto;
    white-space: nowrap;
    scrollbar-width: none;
  }

  .cm-nav-tabs::-webkit-scrollbar {
    display: none;
  }
}

/* Mobile: 768px and below */
@media (max-width: 768px) {
  .cm-search-container,
  .cm-nav-tabs {
    display: none !important;
  }

  .cm-site-logo-img,
  .site-logo-img {
    height: 32px !important;
  }

  .hero-video-widget {
    width: 100%;
    height: auto;
    aspect-ratio: 16 / 9;
    padding: 6px;
  }

  .video-screen-frame {
    width: 100%;
    height: 100%;
  }

  .cmbd-idea-section {
    min-height: 560px;
    padding: 60px 20px;
  }

  .cmbd-brand-mark {
    width: 44px;
    height: 44px;
    margin-bottom: 22px;
  }

  .cmbd-idea-title {
    font-size: clamp(32px, 7vw, 46px);
    letter-spacing: -2px;
  }

  .cmbd-idea-gradient {
    font-size: clamp(30px, 6.8vw, 44px);
    letter-spacing: -2px;
    margin-bottom: 30px;
  }

  .cmbd-search-form {
    height: 62px;
    padding-left: 18px;
    border-radius: 14px;
  }

  .cmbd-search-input {
    font-size: 15px;
  }

  .cmbd-search-button {
    width: 52px;
    height: 52px;
    flex-basis: 52px;
    border-radius: 11px;
  }

  .cmbd-search-button span {
    font-size: 28px;
  }

  .cmbd-idea-description {
    font-size: 14px;
  }
}

/* Mobile: 640px and below */
@media (max-width: 640px) {
  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .button {
    width: 100%;
  }

  .article-box {
    flex-direction: row;
  }

  .article-img-wrap {
    width: 120px;
    height: 100%;
    min-height: 100px;
  }

  .cm-navy-flex {
    overflow-x: auto;
    justify-content: flex-start;
    gap: 8px;
    padding: 0 4px;
    scrollbar-width: none;
  }

  .cm-navy-flex::-webkit-scrollbar {
    display: none;
  }

  .cm-all-services-btn,
  .cm-instant-hub-btn {
    flex-shrink: 0;
  }

  .card-ad-carousel {
    width: min(100%, 360px);
    border-radius: 15px;
  }

  .card-ad-arrow {
    width: 29px;
    height: 29px;
    font-size: 22px;
  }

  .card-ad-prev { left: 7px; }
  .card-ad-next { right: 7px; }
}

/* Mobile: 480px and below */
@media (max-width: 480px) {
  .cmbd-idea-section {
    min-height: 520px;
    padding: 52px 16px;
  }

  .cmbd-idea-title {
    font-size: 30px;
    letter-spacing: -1.4px;
  }

  .cmbd-idea-gradient {
    font-size: 28px;
    letter-spacing: -1.4px;
    margin-top: 6px;
    margin-bottom: 25px;
  }

  .cmbd-search-form {
    height: 57px;
    padding-left: 15px;
    padding-right: 5px;
    border-radius: 13px;
  }

  .cmbd-search-input {
    font-size: 13.5px;
  }

  .cmbd-search-button {
    width: 47px;
    height: 47px;
    flex-basis: 47px;
    border-radius: 10px;
  }

  .cmbd-search-button span {
    font-size: 25px;
  }

  .cmbd-idea-description {
    font-size: 13px;
    line-height: 1.5;
  }

  .cmbd-search-result {
    width: calc(100% - 32px);
  }
}
/* =========================================================
   CREDITMATCHBD — Premium Checker Design
   File: checker-redesign.css
   Version: 2.0.0
   Loaded AFTER styles.css — overrides/adds checker-specific styles.
   Scope: Checker hero refinement, form panels, result cards,
          partner CTA panels, and checker breakpoints.
   ========================================================= */

/* =========================================================
   1. LOCAL TOKENS (fallback-safe if styles.css changes)
   ========================================================= */
:root {
  --premium-navy: #081b35;
  --premium-blue: #146cff;
  --premium-cyan: #20a9e8;
  --premium-bg: #f4f8fe;
  --premium-border: #d7e5f5;
  --premium-muted: #647993;
  --premium-shadow: 0 22px 55px rgba(8, 27, 53, 0.1);
}

/* =========================================================
   2. HERO — CHECKER VARIANT (larger than homepage hero)
   ========================================================= */
.hero {
  position: relative;
  min-height: 28rem;
  padding: clamp(3rem, 5vw, 4.4rem) 0 clamp(2rem, 4vw, 3.2rem) !important;
  gap: 3.5rem !important;
  overflow: hidden;
}

@media (min-width: 981px) {
  .hero {
    grid-template-columns: minmax(0, 1.13fr) minmax(19rem, 0.87fr) !important;
  }
}

.hero::before {
  position: absolute;
  top: 1.5rem;
  right: -10rem;
  width: clamp(15rem, 30vw, 30rem);
  height: clamp(15rem, 30vw, 30rem);
  background: radial-gradient(circle, rgba(20, 108, 255, 0.12), transparent 67%);
  pointer-events: none;
  content: "";
}

.hero > div:first-child {
  position: relative;
  z-index: 2;
}

.hero h1 {
  max-width: 42rem !important;
  margin: 1rem 0 1.05rem !important;
  color: var(--premium-navy) !important;
  font-size: clamp(2.2rem, 4.5vw, 4.55rem) !important;
  line-height: 1.05 !important;
  letter-spacing: -0.04em !important;
}

.hero p {
  max-width: 37rem !important;
  color: var(--premium-muted) !important;
  font-size: clamp(0.85rem, 1.2vw, 0.92rem) !important;
  line-height: 1.7 !important;
}

.hero-actions {
  margin-top: 1.4rem !important;
}

.hero-note {
  max-width: 32rem !important;
  margin-top: 0.85rem !important;
  font-size: 0.7rem !important;
}

/* =========================================================
   3. HERO SIDE CARD (mini-card stack)
   ========================================================= */
.hero-card {
  position: relative;
  z-index: 2;
  display: grid;
  align-content: center;
  min-height: 19rem !important;
  padding: 1.25rem !important;
  background: linear-gradient(145deg, #ffffff 0%, #f2f8ff 100%) !important;
  border: 1px solid #cfe0f3 !important;
  border-radius: 1.25rem !important;
  box-shadow: var(--premium-shadow) !important;
  overflow: hidden;
}

.hero-card::before {
  position: absolute;
  top: -6rem;
  right: -6rem;
  width: 14rem;
  height: 14rem;
  background: rgba(20, 108, 255, 0.1);
  border-radius: 50%;
  content: "";
}

.hero-card::after {
  position: absolute;
  bottom: -5rem;
  left: -4rem;
  width: 11rem;
  height: 11rem;
  background: rgba(32, 169, 232, 0.09);
  border-radius: 50%;
  content: "";
}

.mini-card {
  position: relative;
  z-index: 2;
  padding: 1rem !important;
  margin-bottom: 0.7rem !important;
  background: rgba(255, 255, 255, 0.88) !important;
  border: 1px solid #d7e6f5 !important;
  border-radius: 0.8rem !important;
  box-shadow: 0 6px 16px rgba(8, 27, 53, 0.05);
}

.mini-card:last-child {
  margin-bottom: 0 !important;
}

.mini-card span {
  color: #7890aa !important;
  font-size: 0.65rem !important;
  font-weight: 750 !important;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.mini-card strong {
  display: block;
  margin-top: 0.25rem !important;
  color: var(--premium-navy) !important;
  font-size: 0.84rem !important;
}

/* =========================================================
   4. CHECKER SECTION HEADING
   ========================================================= */
#checker {
  padding-top: 2rem !important;
  width: min(calc(100% - 2rem), 1280px);
  margin: 0 auto;
}

#checker > .section-heading {
  max-width: 47rem;
  margin-bottom: 1.2rem;
}

#checker > .section-heading h2 {
  font-size: clamp(1.65rem, 3vw, 2.2rem);
}

/* =========================================================
   5. FORM / RESULT LAYOUT (two-column workspace)
   ========================================================= */
.checker-layout {
  width: min(calc(100% - 2rem), 1280px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.2rem !important;
  align-items: stretch !important;
}

@media (min-width: 981px) {
  .checker-layout {
    grid-template-columns: minmax(0, 1.08fr) minmax(20rem, 0.92fr) !important;
  }
}

.panel {
  min-width: 0;
  padding: clamp(1rem, 2vw, 1.35rem) !important;
  background: #ffffff !important;
  border: 1px solid var(--premium-border) !important;
  border-radius: 1.1rem !important;
  box-shadow: var(--premium-shadow) !important;
}

.checker-layout > .panel:first-child {
  border-top: 4px solid var(--premium-blue) !important;
}

.checker-layout > .panel:last-child {
  position: static;
  border-top: 4px solid var(--premium-cyan) !important;
}

@media (min-width: 981px) {
  .checker-layout > .panel:last-child {
    position: sticky;
    top: 5.3rem;
    align-self: start;
  }
}

.panel h2 {
  color: var(--premium-navy) !important;
  font-size: clamp(1.1rem, 2vw, 1.22rem) !important;
}

.panel-intro {
  color: var(--premium-muted) !important;
  font-size: 0.76rem !important;
  line-height: 1.6 !important;
}

/* =========================================================
   6. FORM FIELDS
   ========================================================= */
.form-grid {
  display: grid;
  gap: 0.85rem !important;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.34rem !important;
}

.form-group label {
  color: #304963 !important;
  font-size: 0.73rem !important;
  font-weight: 800 !important;
}

.form-group input,
.form-group select {
  width: 100%;
  min-height: 2.75rem !important;
  padding: 0.62rem 0.72rem !important;
  color: var(--premium-navy) !important;
  background: #fbfdff !important;
  border: 1px solid #ccdeef !important;
  border-radius: 0.58rem !important;
  font-size: 0.78rem !important;
}

.form-group input::placeholder {
  color: #9aaabd;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--premium-blue) !important;
  box-shadow: 0 0 0 3px rgba(20, 108, 255, 0.12) !important;
  outline: none;
}

.checkbox-row {
  display: grid;
  gap: 0.58rem !important;
  margin-top: 1rem !important;
}

.check-item {
  min-height: 2.5rem;
  padding: 0.68rem !important;
  color: #435b75 !important;
  background: #f7fbff !important;
  border: 1px solid #d9e7f4 !important;
  border-radius: 0.6rem !important;
  font-size: 0.72rem !important;
  line-height: 1.45;
}

.check-item:hover {
  background: #eef7ff !important;
  border-color: #bcd7f1 !important;
}

.calculate-button {
  width: 100%;
  min-height: 2.85rem !important;
  margin-top: 1.1rem !important;
  font-size: 0.82rem !important;
}

/* =========================================================
   7. EMPTY RESULT STATE
   ========================================================= */
.result-empty {
  min-height: 23rem !important;
  padding: 2rem 1rem;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.result-empty-icon {
  width: 4.3rem !important;
  height: 4.3rem !important;
  margin-bottom: 1rem !important;
  background: linear-gradient(135deg, var(--premium-blue), var(--premium-cyan)) !important;
  border-radius: 1.25rem !important;
  box-shadow: 0 12px 25px rgba(20, 108, 255, 0.2);
}

.result-empty strong {
  display: block;
  color: var(--premium-navy);
  font-size: 0.94rem;
}

.result-empty p {
  margin-top: 0.4rem;
  color: var(--premium-muted);
  font-size: 0.75rem;
}

/* =========================================================
   8. RESULTS
   ========================================================= */
.results h2 {
  margin-bottom: 1rem;
}

.status-row,
.score-header {
  padding-bottom: 1rem !important;
}

.status-label,
.score-label {
  color: #7890aa !important;
  font-size: 0.68rem !important;
}

.status-name,
.score-name {
  color: var(--premium-navy) !important;
  font-size: 1.15rem !important;
}

.score-circle {
  width: 5.8rem !important;
  height: 5.8rem !important;
  box-shadow: 0 8px 20px rgba(20, 108, 255, 0.15);
  display: grid;
  place-items: center;
  border-radius: 50%;
}

.score-circle-inner,
.score-circle > span {
  width: 4.7rem !important;
  height: 4.7rem !important;
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 0.7rem !important;
}

.result-stat {
  min-height: 4.2rem;
  padding: 0.78rem !important;
  background: #f7fbff !important;
  border: 1px solid #dbe8f4 !important;
  border-radius: 0.65rem !important;
}

.result-stat span {
  display: block;
  color: #7890aa !important;
  font-size: 0.65rem !important;
}

.result-stat strong {
  display: block;
  color: var(--premium-navy) !important;
  font-size: 0.82rem !important;
  margin-top: 0.2rem;
}

.recommendation {
  margin-top: 1rem !important;
  padding: 0.9rem !important;
  background: linear-gradient(135deg, #edf6ff, #f8fcff) !important;
  border: 1px solid #c9e0f6 !important;
  border-left: 3px solid var(--premium-blue) !important;
  border-radius: 0.7rem !important;
}

.recommendation span {
  display: block;
  color: var(--premium-blue) !important;
  font-size: 0.64rem !important;
  text-transform: uppercase;
  font-weight: 700;
}

.recommendation strong {
  display: block;
  color: var(--premium-navy) !important;
  font-size: 0.88rem !important;
  margin: 0.2rem 0;
}

.recommendation p {
  color: var(--premium-muted) !important;
  font-size: 0.74rem !important;
  line-height: 1.5;
  margin: 0;
}

.note-list {
  margin-top: 1rem !important;
  color: var(--premium-muted) !important;
  font-size: 0.74rem !important;
  padding-left: 1.2rem;
}

/* =========================================================
   9. PARTNER CTA PANELS
   ========================================================= */
.partner-cta {
  min-height: 8rem;
  padding: 1.25rem !important;
  background: linear-gradient(135deg, #edf6ff, #ffffff) !important;
  border: 1px solid #c9def7 !important;
  border-radius: 1rem !important;
  box-shadow: var(--shadow-sm, 0 4px 16px rgba(8, 27, 53, 0.05)) !important;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.partner-cta h2 {
  color: var(--premium-navy) !important;
  font-size: 1.35rem !important;
}

.partner-cta p {
  color: var(--premium-muted) !important;
  font-size: 0.77rem !important;
  margin: 0.2rem 0 0;
}

.partner-loan {
  border-left: 4px solid #0f93c6 !important;
}

.partner-card {
  border-left: 4px solid var(--premium-blue) !important;
}

.partner-account {
  border-left: 4px solid var(--green, #14845d) !important;
}

/* =========================================================
   10. RESPONSIVE BREAKPOINTS
   ========================================================= */
@media (max-width: 980px) {
  .hero-card {
    max-width: 38rem;
    min-height: auto !important;
    margin: 0 auto;
  }
}

@media (max-width: 720px) {
  .site-logo-img {
    height: 30px;
  }

  .hero h1 {
    font-size: clamp(2.2rem, 8vw, 3.4rem) !important;
  }

  .hero-card {
    padding: 1rem !important;
  }

  .form-grid {
    grid-template-columns: 1fr !important;
  }

  .form-group.full {
    grid-column: auto !important;
  }

  .result-grid {
    grid-template-columns: repeat(2, 1fr) !important;
  }

  .partner-cta {
    align-items: flex-start;
    flex-direction: column;
  }

  .partner-cta .button {
    width: 100%;
  }
}

@media (max-width: 430px) {
  .container {
    width: min(calc(100% - 1.4rem), 1280px);
  }

  .hero h1 {
    font-size: 2.1rem !important;
  }

  .result-grid {
    grid-template-columns: 1fr !important;
  }

  .panel {
    padding: 1rem !important;
  }
}