:root{--navy:#0A1F3D;--navy-2:#071730;--blue:#2563EB;--blue-l:#3B82F6;--teal:#14B8A6;--teal-l:#5EEAD4;--green:#22C55E;--slate:#F1F5F9;--line:#CBD5E1;--ink:#0A1F3D;--body:#334155;--muted:#475569;--on-dark:#DCE6F2;--on-dark-2:#C3D1E3}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--slate);color:var(--ink);font-family:Inter,"Helvetica Neue",Helvetica,Arial,sans-serif;font-size:17px;line-height:1.6;padding-bottom:env(safe-area-inset-bottom,0px)}
a{color:var(--blue)}a:hover{color:var(--navy)}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
img,svg{max-width:100%}
.wrap{max-width:1200px;margin:0 auto;padding-left:32px;padding-right:32px}
@media (max-width:560px){.wrap{padding-left:20px;padding-right:20px}}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--navy);padding:10px 16px;border-radius:8px;z-index:10}.skip:focus{left:8px}
/* header */
.top{position:relative;overflow:hidden;background:var(--navy);color:#fff;background-image:radial-gradient(900px 520px at 85% 15%,rgba(37,99,235,.38),transparent 70%),radial-gradient(700px 480px at 95% 90%,rgba(20,184,166,.30),transparent 70%),radial-gradient(600px 400px at 0% 100%,rgba(37,99,235,.18),transparent 70%);padding-top:env(safe-area-inset-top,0px)}
.top .waves{position:absolute;left:0;right:0;bottom:0;width:100%;height:420px;pointer-events:none}
.bar{position:relative;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 24px;padding-top:22px;padding-bottom:22px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;min-height:44px}
.brand span{font-weight:700;font-size:22px;letter-spacing:-.02em}.brand b{color:var(--blue-l);font-weight:700}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:4px 22px;font-size:15px;font-weight:500}
.nav a{display:inline-flex;align-items:center;min-height:44px;color:var(--on-dark);text-decoration:none}
.nav a:hover,.nav a[aria-current="page"]{color:#fff;text-decoration:underline;text-underline-offset:6px;text-decoration-color:var(--teal)}
.nav .pill{padding:0 20px;border-radius:999px;background:var(--blue);color:#fff;font-weight:600;text-decoration:none!important}
@media (max-width:760px){.nav{width:100%;flex-wrap:nowrap;overflow-x:auto;gap:4px 18px;padding-bottom:4px;scrollbar-width:none}.nav::-webkit-scrollbar{display:none}.nav a{white-space:nowrap}}
/* hero */
.hero{position:relative;padding-top:64px;padding-bottom:104px}
.hero--page{padding-top:40px;padding-bottom:72px}
.crumb{margin:0 0 14px;font-size:15px;color:var(--on-dark-2)}.crumb a{color:var(--on-dark)}
h1{margin:0;font-weight:800;letter-spacing:-.035em;line-height:1.02;font-size:clamp(40px,6.4vw,84px);max-width:16ch}
.hero--page h1{font-size:clamp(34px,5vw,60px);max-width:20ch;line-height:1.05}
.lede{margin:22px 0 0;max-width:54ch;font-size:20px;color:var(--on-dark-2)}
.kicker{margin:22px 0 0;font-size:19px;font-weight:600;color:var(--teal-l)}
.ctas{margin-top:34px;display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 28px;border-radius:999px;background:var(--blue);color:#fff;text-decoration:none;font-weight:600;border:0;font:inherit;font-weight:600;cursor:pointer}
.btn:hover{color:#fff;background:#1D4ED8}
.btn--ghost{background:transparent;border:1.5px solid rgba(255,255,255,.5)}.btn--ghost:hover{background:rgba(255,255,255,.08)}
.btn--line{background:transparent;color:var(--navy);border:1.5px solid var(--line)}.btn--line:hover{background:#fff;color:var(--navy)}
.btn--sm{min-height:44px;padding:0 20px;font-size:15px}
/* sections */
.section{padding-top:104px;padding-bottom:104px}
.section--tight{padding-top:72px;padding-bottom:72px}
.bg-white{background:#fff}.bg-slate{background:var(--slate)}
.bg-navy{position:relative;background:var(--navy);color:#fff;background-image:radial-gradient(700px 420px at 15% 110%,rgba(20,184,166,.32),transparent 70%),radial-gradient(700px 420px at 100% 0%,rgba(37,99,235,.4),transparent 70%)}
h2{margin:0;font-weight:800;letter-spacing:-.03em;line-height:1.05;font-size:clamp(32px,4.4vw,52px);max-width:22ch}
h3{margin:0;font-size:21px;font-weight:700;line-height:1.3}
.sub{margin:18px 0 0;max-width:58ch;font-size:19px;color:var(--body)}
.bg-navy .sub,.bg-navy p{color:var(--on-dark-2)}
.rule{margin-top:20px;width:56px;height:3px;border-radius:2px;background:var(--teal)}
.prose{max-width:70ch}.prose p{margin:16px 0 0;color:var(--body)}.prose h2{margin-top:56px;font-size:clamp(26px,3.2vw,36px)}.prose h2:first-child{margin-top:0}.prose ul{color:var(--body);padding-left:22px}.prose li{margin:8px 0}
.grid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.mt-l{margin-top:56px}.mt-m{margin-top:32px}
.card{padding:32px;border-radius:20px;border:1.5px solid var(--line);background:#fff;display:flex;flex-direction:column;gap:14px}
.card p{margin:0;color:var(--body)}
.card--dark{background:var(--navy);color:#fff;border-color:var(--navy)}.card--dark p,.card--dark dd{color:var(--on-dark-2)}
.card--glass{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);color:#fff}
.guide{text-decoration:none;color:var(--ink);transition:border-color .15s}
.guide:hover{border-color:var(--blue);color:var(--ink)}
.guide .q{font-weight:700;font-size:21px;line-height:1.3}
.guide .go{margin-top:auto;color:var(--blue);font-weight:600}
.icon-tile{width:52px;height:52px;border-radius:14px;background:#EFF6FF;display:flex;align-items:center;justify-content:center;flex:0 0 52px}
.icon-tile.t{background:#ECFDF5}
.row{display:flex;align-items:center;gap:14px}
dl.facts{margin:8px 0 0;display:grid;gap:16px}
dl.facts div{border-top:1px solid var(--line);padding-top:14px}.card--dark dl.facts div{border-color:rgba(255,255,255,.2)}
dt{font-weight:600}dd{margin:4px 0 0;color:var(--body)}
.checks{margin:28px 0 0;padding:0;list-style:none;display:grid;gap:16px}
.checks li{display:flex;gap:14px;align-items:flex-start}
.checks svg{flex:0 0 24px;margin-top:3px}
.checks--tiles{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.checks--tiles li{padding:24px;border-radius:18px;border:1.5px solid var(--line);background:#fff;color:var(--body)}
/* factor bar */
.weights{margin-top:48px;display:flex;gap:4px;height:72px}
.weights div{display:flex;align-items:center;padding:0 14px;font-weight:700;font-size:18px;color:var(--navy);min-width:0}
.weights div:first-child{border-radius:14px 0 0 14px}.weights div:last-child{border-radius:0 14px 14px 0}
@media (max-width:560px){.weights div{padding:0 6px;font-size:14px}}
.factors{margin-top:40px}
.factor{display:flex;flex-wrap:wrap;gap:8px 40px;padding:24px 0;border-top:1px solid var(--line)}
.factor .pct{flex:0 0 96px;font-weight:800;font-size:38px;line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums;color:var(--blue)}
.factor .what{flex:1 1 260px;min-width:0}.factor .what p{margin:6px 0 0;color:var(--body);max-width:60ch}
.factor .move{flex:1 1 260px;min-width:0;color:#0F766E;font-weight:500}
.note{margin:24px 0 0;font-size:15px;color:var(--muted)}
/* score explorer */
.explorer{margin-top:64px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:24px;padding:clamp(24px,4vw,52px);box-shadow:0 30px 80px rgba(2,10,30,.45);color:#fff;position:relative}
.explorer.solo{margin-top:0;background:var(--navy);border-color:var(--navy)}
.exp-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:24px}
.exp-head h2{font-size:26px;font-weight:700;letter-spacing:-.01em}
.exp-head p{margin:6px 0 0;font-size:15px;color:var(--on-dark-2)}
.exp-num{text-align:right}
.exp-num .n{font-weight:800;font-size:clamp(72px,10vw,120px);line-height:.9;letter-spacing:-.04em;font-variant-numeric:tabular-nums}
.exp-num .t{margin-top:8px;font-weight:600;font-size:20px}
.band{position:relative;margin-top:40px}
.band .seg{display:flex;height:18px;border-radius:999px;overflow:hidden;gap:3px}
.marker{position:absolute;top:-11px;width:6px;height:40px;margin-left:-3px;border-radius:3px;background:#fff;box-shadow:0 0 0 3px var(--navy),0 0 18px rgba(94,234,212,.8)}
.slider{width:100%;margin:20px 0 0;height:44px;accent-color:var(--teal);cursor:pointer}
.tiers{margin-top:12px;display:flex;flex-wrap:wrap;gap:8px}
.tier{min-height:44px;padding:0 16px;border-radius:999px;font:inherit;font-size:15px;font-weight:600;cursor:pointer;display:inline-flex;align-items:center;gap:8px;background:transparent;color:var(--on-dark);border:1.5px solid rgba(255,255,255,.28)}
.tier span{font-variant-numeric:tabular-nums;opacity:.8}
.exp-note{margin:28px 0 0;max-width:62ch;font-size:18px;color:var(--on-dark)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
/* checkup */
.checkup{margin-top:48px;display:grid;gap:16px}
.step{display:flex;gap:18px;align-items:flex-start;padding:24px;border-radius:18px;border:1.5px solid var(--line);background:#fff}
.step input[type=checkbox]{width:26px;height:26px;margin:2px 0 0;accent-color:var(--teal);flex:0 0 26px;cursor:pointer}
.step label.t{font-weight:700;font-size:19px;cursor:pointer}
.step p{margin:6px 0 0;color:var(--body)}
.step.done{background:#F0FDFA;border-color:#99E6DC}
.step .num{font-variant-numeric:tabular-nums;color:var(--muted);font-weight:600;margin-right:6px}
.util{margin-top:14px;display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end}
.util .f{display:flex;flex-direction:column;gap:6px;flex:1 1 160px}
.util label{font-size:14px;font-weight:600;color:var(--muted)}
.util input{min-height:48px;padding:0 14px;border-radius:12px;border:1.5px solid var(--line);font:inherit;color:var(--navy);background:#fff}
.util .out{flex:1 1 200px;min-height:48px;display:flex;align-items:center;font-weight:600}
.progress{margin-top:32px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;padding:22px 26px;border-radius:18px;background:var(--navy);color:#fff}
.progress p{margin:0}.progress .meter{flex:1 1 200px;height:10px;border-radius:999px;background:rgba(255,255,255,.18);overflow:hidden}
.progress .meter div{height:100%;width:0;background:var(--teal);border-radius:999px;transition:width .3s}
@media (prefers-reduced-motion:reduce){.progress .meter div{transition:none}}
.linkbtn{background:none;border:0;color:var(--teal-l);font:inherit;font-weight:600;cursor:pointer;min-height:44px;text-decoration:underline}
/* faq */
.faq{margin-top:48px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;font-weight:600;font-size:19px;min-height:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:0 0 14px;width:14px;height:14px;border-right:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);transform:rotate(45deg);margin-top:-6px;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:6px}
.faq .a{padding:0 0 24px;max-width:70ch;color:var(--body)}.faq .a p{margin:0 0 12px}
/* lists */
.reslist{margin:48px 0 0;padding:0;list-style:none}
.reslist li{border-top:1px solid var(--line)}
.reslist a{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:6px 32px;padding:24px 0;text-decoration:none;color:var(--ink)}
.reslist .nm{flex:1 1 300px;font-weight:700;font-size:22px;letter-spacing:-.01em;color:var(--blue)}
.reslist .ds{flex:2 1 380px;color:var(--body)}
.tool h4{margin:0}.tool a.nm{font-weight:700;font-size:18px}
.tool + .tool{border-top:1px solid #E2E8F0;padding-top:18px}
.warn{margin:0;padding:16px 18px;border-radius:14px;background:#FFFBEB;color:#78350F}
.callout{margin-top:40px;padding:24px 28px;border-radius:18px;display:flex;gap:16px;align-items:flex-start}
.callout p{margin:0;max-width:76ch}
.callout--teal{background:rgba(20,184,166,.14);border:1px solid rgba(94,234,212,.4)}
.callout--dark{background:var(--navy);color:#fff}.callout--dark span{color:var(--on-dark-2)}
.bureaus{margin-top:28px}
.bureaus .card{gap:16px}
.bureaus .nm{margin:0;font-weight:700;font-size:26px;letter-spacing:-.01em}
.bureaus a.tel{color:#fff;font-weight:600;font-variant-numeric:tabular-nums}
.bureaus .btn{margin-top:auto;min-height:48px}
.split{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}.split>*{flex:1 1 400px;min-width:0}
/* review + related */
.reviewed{display:flex;flex-wrap:wrap;gap:6px 24px;align-items:center;padding:20px 0;border-top:1px solid var(--line);font-size:15px;color:var(--muted)}
.reviewed svg{flex:0 0 18px}
.related{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin-top:28px}
.related a{display:block;padding:20px 22px;border-radius:16px;border:1.5px solid var(--line);background:#fff;text-decoration:none;color:var(--ink);font-weight:600}
.related a:hover{border-color:var(--blue)}
/* footer */
.foot{background:var(--navy-2);color:#94A3B8;font-size:14px}
.foot .wrap{padding-top:48px;padding-bottom:48px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:28px}
.foot .brand-f{margin:0;font-weight:700;font-size:20px;color:#fff;letter-spacing:-.02em}.foot .brand-f b{color:var(--blue-l)}
.foot p{margin:4px 0 0}.foot a{color:var(--teal-l)}
.foot nav{display:flex;flex-wrap:wrap;gap:4px 20px}.foot nav a{display:inline-flex;align-items:center;min-height:44px;color:#CBD5E1;text-decoration:none}.foot nav a:hover{color:#fff}
.foot .legal{max-width:60ch}
/* tables + calculators */
table.rates{width:100%;min-width:520px;border-collapse:collapse;background:#fff;border-radius:16px;overflow:hidden;border:1.5px solid var(--line)}
table.rates th,table.rates td{padding:14px 18px;text-align:left;border-bottom:1px solid #E2E8F0;font-variant-numeric:tabular-nums}
table.rates thead th{background:var(--navy);color:#fff;font-size:15px;font-weight:600}
table.rates tbody th{font-weight:600}
table.rates tbody tr:last-child th,table.rates tbody tr:last-child td{border-bottom:0}
.calc{margin-top:28px;display:grid;gap:14px 16px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));align-items:end;padding:28px;border-radius:20px;background:var(--slate);border:1.5px solid var(--line)}
.calc .f{display:flex;flex-direction:column;gap:6px}
.calc label{font-size:14px;font-weight:600;color:var(--muted)}
.calc input{min-height:48px;padding:0 14px;border-radius:12px;border:1.5px solid var(--line);font:inherit;color:var(--navy);background:#fff}
.calc-out{grid-column:1/-1;margin:6px 0 0;padding:18px 20px;border-radius:14px;background:var(--navy);color:#fff;font-weight:600;font-size:18px}
.calc-out span{color:var(--teal-l)}
/* keep the logo white on hover/focus/click */
.brand,.brand:hover,.brand:focus,.brand:active,.brand:visited{color:#fff}
.myth{margin-top:40px;padding:28px;border-radius:20px;background:#FFFBEB;border:1.5px solid #FCD34D}
.myth h3{font-size:22px}.myth p{margin:10px 0 0;color:#422006;max-width:72ch}.myth a{color:#92400E;font-weight:600}
/* everyday credit section */
.ev-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin-top:28px}
.ev-card{background:#fff;border:1px solid #E2E8F0;border-radius:18px;padding:22px}
.ev-card .ic{font-size:28px;line-height:1}.ev-card h3{font-size:18px;margin:10px 0 6px}.ev-card p{margin:0;color:#475569;font-size:15px}
.ev-card a{color:#2563EB;font-weight:600}
.ev-hook{margin-top:22px;padding:18px 22px;border-left:4px solid #22C55E;background:#ECFDF5;border-radius:12px;font-size:18px;font-weight:600;color:#0A1F3D}
.ns-list{margin-top:26px;display:grid;gap:12px}
.ns{display:grid;grid-template-columns:minmax(180px,280px) 1fr;gap:18px;background:#fff;border:1px solid #E2E8F0;border-radius:16px;padding:18px 22px}
.ns .if{font-weight:700;color:#0A1F3D}.ns .then{color:#334155}.ns .then a{color:#2563EB;font-weight:600}
@media (max-width:640px){.ns{grid-template-columns:1fr;gap:6px}}
.ns-example{margin-top:22px;padding:20px 22px;border-radius:16px;background:#0A1F3D;color:#E2E8F0}
.ns-example strong{color:#5EEAD4}
.ns-cta{margin-top:24px;display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.ns-cta small{color:#64748B}
.bg-white .kicker{color:#0F766E}
@media (min-width:1100px){.ev-grid{grid-template-columns:repeat(5,1fr)}}
@media (min-width:700px) and (max-width:1099px){.ev-grid{grid-template-columns:repeat(6,1fr)}.ev-card{grid-column:span 2}.ev-card:nth-child(4){grid-column:2 / span 2}}
/* header: links sit next to the logo, Freeze pill on the right */
@media (min-width:761px){.bar{justify-content:flex-start;column-gap:40px}.bar .nav{flex:1;min-width:0}.bar .nav .pill{margin-left:auto}}
@media (min-width:761px) and (max-width:1140px){.bar .nav{flex-basis:100%;flex-wrap:nowrap;gap:4px 18px;font-size:14.5px;overflow-x:auto;scrollbar-width:none}.bar .nav a{white-space:nowrap}}
@media (min-width:761px) and (max-width:900px){.bar .nav{gap:4px 13px;font-size:14px}.bar .nav .pill{padding:0 16px}}
.bar .nav .pill{flex-shrink:0}
/* collapsible data cards */
.drop{margin-top:16px;background:#fff;border:1px solid #E2E8F0;border-radius:18px;overflow:hidden}
.bg-white .drop{background:#F8FAFC}
.drop summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;font-weight:700;font-size:18px;color:#0A1F3D;min-height:44px}
.drop summary::-webkit-details-marker{display:none}
.drop summary::after{content:"";flex:none;width:12px;height:12px;border-right:2.5px solid #2563EB;border-bottom:2.5px solid #2563EB;transform:rotate(45deg);margin-top:-6px;transition:transform .2s}
.drop[open] summary::after{transform:rotate(-135deg);margin-top:6px}
.drop summary:hover{background:rgba(37,99,235,.04)}
.drop summary:focus-visible{outline:3px solid #2563EB;outline-offset:-3px}
.drop-body{padding:0 24px 22px}
/* merged next-step + checkup */
.start-label{margin:30px 0 0;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#0F766E}
.ns-list--start{margin-top:12px}
.checkup-note{margin-top:16px;font-size:13px;color:#64748B}
#checkup .kicker{color:#0F766E}