/* ============================================================
   Credentree — style.css
   Theme: Karma Fresh (Credit Karma-inspired, clean green)
   Font: Urbanist (body + headings — no serif)
   Namespace: .crt-*
   ============================================================ */

/* ---- Google Fonts ---- */
@import url('https://fonts.googleapis.com/css2?family=Urbanist:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;0,900;1,400&display=swap');

/* ================================================================
   1. DESIGN TOKENS
   ================================================================ */
:root {
  --green:       #16A34A;
  --green-dark:  #15803D;
  --green-light: #DCFCE7;
  --amber:       #F59E0B;
  --amber-dark:  #D97706;
  --dark:        #0F172A;
  --ink:         #1E293B;
  --slate:       #64748B;
  --line:        #E2E8F0;
  --cream:       #F8FAFC;
  --white:       #FFFFFF;

  /* Spacing */
  --space-xs:  4px;
  --space-sm:  8px;
  --space-md:  16px;
  --space-lg:  24px;
  --space-xl:  40px;
  --space-2xl: 64px;

  /* Typography */
  --font-base: 'Urbanist', system-ui, -apple-system, sans-serif;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;

  /* Borders */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 12px;
  --radius-xl: 16px;

  /* Shadows */
  --shadow-sm:    0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:    0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.05);
  --shadow-lg:    0 8px 32px rgba(0,0,0,.10), 0 4px 12px rgba(0,0,0,.06);
  --shadow-green: 0 4px 16px rgba(22,163,74,.18);
}

/* ================================================================
   2. RESET + BASE
   ================================================================ */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-base);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  color: var(--green);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

ul, ol {
  list-style: none;
}

button {
  font-family: var(--font-base);
  cursor: pointer;
  border: none;
  background: none;
}

input, select, textarea {
  font-family: var(--font-base);
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-base);
  line-height: 1.2;
  color: var(--ink);
}

/* ================================================================
   3. LAYOUT
   ================================================================ */
.container {
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

/* Alias .wrap used in injected components */
.wrap {
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-lg); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); }

/* ================================================================
   4. HEADER (.crt-header)
   ================================================================ */
.crt-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: var(--dark);
  height: 64px;
  border-bottom: 1px solid rgba(255,255,255,.07);
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}

.crt-header-inner {
  display: flex;
  align-items: center;
  height: 64px;
  gap: 32px;
}

/* Logo */
.crt-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.crt-logo:hover {
  text-decoration: none;
}

.crt-logo-mark {
  width: 32px;
  height: 32px;
  background: var(--green);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 18px;
  color: var(--white);
  letter-spacing: -0.5px;
  font-family: var(--font-base);
}

.crt-logo-text {
  font-size: 20px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.3px;
}

.crt-logo-text span,
.crt-logo .green {
  color: var(--green);
}

/* Nav links */
.crt-nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  flex: 1;
}

.crt-nav-item {
  position: relative;
}

.crt-nav-btn {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 600;
  color: rgba(255,255,255,.82);
  background: none;
  border: none;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.15s, color 0.15s;
  font-family: var(--font-base);
  text-decoration: none;
  line-height: 1;
}

.crt-nav-btn:hover,
.crt-nav-item:hover > .crt-nav-btn {
  background: rgba(255,255,255,.08);
  color: var(--white);
  text-decoration: none;
}

.crt-nav-btn.active {
  color: var(--green);
}

.crt-nav-btn svg {
  flex-shrink: 0;
  transition: transform 0.15s;
}

.crt-nav-item:hover .crt-nav-btn svg {
  transform: rotate(180deg);
}

/* Dropdown */
.crt-dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--line);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.15s, transform 0.15s, visibility 0.15s;
  z-index: 100;
}

.crt-nav-item:hover .crt-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.crt-dropdown a {
  display: block;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
}

.crt-dropdown a:hover {
  background: var(--green-light);
  color: var(--green-dark);
  text-decoration: none;
}

.crt-dropdown-divider {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--slate);
  padding: 10px 12px 4px;
}

/* Nav CTA (amber) */
.crt-nav-cta {
  margin-left: auto;
  flex-shrink: 0;
}

/* Mobile hamburger */
.crt-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
  background: none;
  border: none;
  margin-left: auto;
}

.crt-hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform 0.2s, opacity 0.2s;
}

.crt-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.crt-hamburger.open span:nth-child(2) { opacity: 0; }
.crt-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav drawer */
.crt-mobile-nav {
  display: none;
  position: fixed;
  top: 64px;
  left: 0;
  right: 0;
  background: var(--dark);
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 12px 0 20px;
  z-index: 199;
  box-shadow: 0 8px 24px rgba(0,0,0,.3);
}

.crt-mobile-nav.open {
  display: block;
}

.crt-mobile-nav a {
  display: block;
  padding: 13px 24px;
  font-size: 15px;
  font-weight: 600;
  color: rgba(255,255,255,.82);
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,.05);
}

.crt-mobile-nav a:hover {
  color: var(--green);
  background: rgba(255,255,255,.04);
  text-decoration: none;
}

@media (max-width: 880px) {
  .crt-nav-links { display: none; }
  .crt-nav-cta   { display: none; }
  .crt-hamburger { display: flex; }
}

/* ================================================================
   5. BREADCRUMB
   ================================================================ */
.breadcrumb-wrap {
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  padding: 10px 0;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
  font-size: 13px;
  color: var(--slate);
}

.breadcrumb a {
  color: var(--slate);
  text-decoration: none;
  font-weight: 500;
  transition: color 0.12s;
}

.breadcrumb a:hover {
  color: var(--green);
  text-decoration: none;
}

.breadcrumb-sep {
  color: var(--line);
  font-size: 16px;
  line-height: 1;
  user-select: none;
}

.breadcrumb-current {
  color: var(--ink);
  font-weight: 600;
}

/* ================================================================
   6. BUTTONS
   ================================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 10px 20px;
  border-radius: var(--radius-md);
  font-family: var(--font-base);
  font-size: 15px;
  font-weight: 700;
  line-height: 1;
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.15s, border-color 0.15s, color 0.15s, box-shadow 0.15s, transform 0.1s;
  white-space: nowrap;
}

.btn:hover {
  text-decoration: none;
  transform: translateY(-1px);
}

.btn:active {
  transform: translateY(0);
}

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

.btn-green:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  box-shadow: var(--shadow-green);
  color: var(--white);
}

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

.btn-amber:hover {
  background: var(--amber-dark);
  border-color: var(--amber-dark);
  box-shadow: 0 4px 16px rgba(245,158,11,.25);
  color: var(--white);
}

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

.btn-dark:hover {
  background: #1e2d45;
  border-color: #1e2d45;
  color: var(--white);
}

.btn-outline {
  background: transparent;
  color: var(--green);
  border-color: var(--green);
}

.btn-outline:hover {
  background: var(--green-light);
  color: var(--green-dark);
  border-color: var(--green-dark);
}

.btn-ghost-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.35);
}

.btn-ghost-white:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.6);
  color: var(--white);
}

/* Size variants */
.btn-sm {
  padding: 8px 16px;
  font-size: 13px;
}

.btn-lg {
  padding: 14px 28px;
  font-size: 17px;
}

/* Legacy aliases used by injected components */
.btn-primary {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
}
.btn-primary:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  box-shadow: var(--shadow-green);
  color: var(--white);
}

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border: 2px solid var(--line);
}
.btn-ghost:hover {
  background: var(--cream);
  border-color: var(--slate);
  color: var(--ink);
}

/* ================================================================
   7. OFFER CARDS — CRITICAL UI PATTERN
   ================================================================ */
.offer-grid {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.offer-card {
  display: grid;
  grid-template-columns: 64px 1fr auto;
  align-items: center;
  gap: 20px;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  transition: border-color 0.18s, box-shadow 0.18s, transform 0.15s;
  cursor: pointer;
}

.offer-card:hover {
  border-color: var(--green);
  box-shadow: var(--shadow-green);
  transform: translateY(-1px);
}

/* Featured variant */
.offer-card.featured {
  border-color: var(--green);
  background: linear-gradient(90deg, rgba(22,163,74,.045) 0%, var(--white) 160px);
  position: relative;
}

.offer-card.featured::before {
  content: '';
  position: absolute;
  left: 0;
  top: 14px;
  bottom: 14px;
  width: 4px;
  background: var(--green);
  border-radius: 0 4px 4px 0;
}

/* Logo cell */
.offer-logo {
  width: 64px;
  height: 64px;
  background: var(--cream);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  flex-shrink: 0;
  border: 1.5px solid var(--line);
}

.offer-logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  padding: 8px;
}

.offer-logo-initials {
  font-size: 20px;
  font-weight: 800;
  color: var(--green);
  font-family: var(--font-base);
  text-transform: uppercase;
}

/* Body cell */
.offer-body {
  min-width: 0;
}

.offer-name {
  font-size: 16px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 3px;
  line-height: 1.3;
}

/* Badges */
.offer-badge {
  display: inline-flex;
  align-items: center;
  padding: 2px 8px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
  line-height: 1.6;
}

.offer-badge.popular {
  background: var(--green-light);
  color: var(--green-dark);
}

.offer-badge.top {
  background: #FEF3C7;
  color: var(--amber-dark);
}

.offer-badge.new {
  background: #DBEAFE;
  color: #1D4ED8;
}

/* Rating */
.offer-rating {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-top: 4px;
}

.offer-stars {
  display: flex;
  align-items: center;
  gap: 1px;
  color: var(--amber);
}

.offer-rating-value {
  font-size: 13px;
  font-weight: 700;
  color: var(--ink);
  margin-left: 3px;
}

.offer-tagline {
  font-size: 13px;
  color: var(--slate);
  margin-top: 4px;
  line-height: 1.4;
}

.offer-key-stat {
  font-size: 14px;
  font-weight: 700;
  color: var(--green-dark);
  margin-top: 6px;
}

/* CTA cell */
.offer-cta-wrap {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 6px;
  flex-shrink: 0;
}

.offer-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
  padding: 10px 20px;
  background: var(--green);
  color: var(--white);
  border-radius: var(--radius-md);
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
  text-decoration: none;
  transition: background 0.15s, box-shadow 0.15s, transform 0.1s;
  border: none;
  cursor: pointer;
  font-family: var(--font-base);
  line-height: 1;
}

.offer-cta:hover {
  background: var(--green-dark);
  box-shadow: var(--shadow-green);
  transform: translateY(-1px);
  color: var(--white);
  text-decoration: none;
}

.offer-disclaimer {
  font-size: 11px;
  color: var(--slate);
  text-align: right;
  max-width: 140px;
}

/* Coming soon state — dashed, cream, friendly, NOT an error */
.offer-coming-soon {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  padding: 52px 32px;
  border: 2px dashed var(--line);
  border-radius: var(--radius-lg);
  background: var(--cream);
  text-align: center;
  color: var(--slate);
}

.offer-coming-soon svg {
  color: var(--green);
  opacity: 0.65;
}

.offer-coming-soon h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--ink);
}

.offer-coming-soon p {
  font-size: 14px;
  color: var(--slate);
  max-width: 320px;
  line-height: 1.6;
}

/* Mobile offer card — 640px collapse */
@media (max-width: 640px) {
  .offer-card {
    grid-template-columns: 48px 1fr;
    grid-template-rows: auto auto;
    padding: 16px;
    gap: 12px;
  }

  .offer-logo {
    width: 48px;
    height: 48px;
  }

  .offer-cta-wrap {
    grid-column: 1 / -1;
    align-items: stretch;
  }

  .offer-cta {
    width: 100%;
    justify-content: center;
  }
}

/* ================================================================
   8. NICHE HERO
   ================================================================ */
.niche-hero {
  background: var(--dark);
  padding: 56px 0 48px;
  position: relative;
  overflow: hidden;
}

.niche-hero::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 420px;
  height: 420px;
  background: radial-gradient(circle, rgba(22,163,74,.12) 0%, transparent 70%);
  pointer-events: none;
}

.niche-hero-eyebrow {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--green);
  margin-bottom: 12px;
}

.niche-hero h1 {
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.niche-hero p {
  font-size: 17px;
  color: rgba(255,255,255,.72);
  max-width: 600px;
  line-height: 1.65;
  margin-bottom: 28px;
}

.niche-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.niche-hero-meta {
  display: flex;
  align-items: center;
  gap: 28px;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.1);
  flex-wrap: wrap;
}

.niche-hero-stat-value {
  font-size: 24px;
  font-weight: 900;
  color: var(--green);
  line-height: 1;
  margin-bottom: 4px;
}

.niche-hero-stat-label {
  font-size: 12px;
  color: rgba(255,255,255,.5);
  font-weight: 500;
}

/* ================================================================
   9. HOME HERO
   ================================================================ */
.home-hero {
  background: var(--dark);
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
}

/* Radial green glow — top-right */
.home-hero::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle at 70% 30%, rgba(22,163,74,.15) 0%, transparent 65%);
  pointer-events: none;
}

.home-hero::after {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(22,163,74,.06) 0%, transparent 70%);
  pointer-events: none;
}

.home-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 720px;
}

.home-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(22,163,74,.15);
  border: 1px solid rgba(22,163,74,.3);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 700;
  color: var(--green);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.home-hero h1 {
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.025em;
  margin-bottom: 20px;
}

.home-hero h1 span {
  color: var(--green);
}

.home-hero p {
  font-size: 18px;
  color: rgba(255,255,255,.72);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 540px;
}

/* ================================================================
   10. NICHE CARDS
   ================================================================ */
.niche-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 16px;
}

.niche-card {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  text-decoration: none;
  transition: border-color 0.18s, box-shadow 0.18s, transform 0.15s;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.niche-card:hover {
  border-color: var(--green);
  box-shadow: var(--shadow-green);
  transform: translateY(-2px);
  text-decoration: none;
}

.niche-card-icon {
  width: 44px;
  height: 44px;
  background: var(--green-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green-dark);
}

.niche-card-label {
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.3;
}

.niche-card-desc {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.5;
}

.niche-card-arrow {
  color: var(--green);
  margin-top: auto;
}

/* ================================================================
   11. SECTION TYPOGRAPHY
   ================================================================ */
.section-title {
  font-size: clamp(1.375rem, 2.5vw, 1.875rem);
  font-weight: 900;
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1.2;
}

.section-sub {
  font-size: 16px;
  color: var(--slate);
  line-height: 1.65;
  margin-top: 10px;
}

.section-header {
  margin-bottom: 28px;
}

.section-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--green);
  margin-bottom: 10px;
}

/* ================================================================
   12. ADVERTISER DISCLOSURE
   ================================================================ */
.adv-disclosure {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 12px 16px;
  font-size: 12px;
  color: var(--slate);
  line-height: 1.6;
  margin-bottom: 24px;
}

.adv-disclosure strong {
  font-weight: 700;
  color: var(--ink);
}

.adv-disclosure a {
  color: var(--green);
}

/* ================================================================
   13. FAQ ACCORDION
   ================================================================ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.faq-item {
  border: 1.5px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color 0.15s;
}

.faq-item.open {
  border-color: var(--green);
}

.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
  cursor: pointer;
  background: var(--white);
  transition: background 0.12s;
  user-select: none;
  width: 100%;
  text-align: left;
  font-family: var(--font-base);
}

.faq-q:hover {
  background: var(--cream);
}

.faq-q-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--green-light);
  color: var(--green-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 16px;
  font-weight: 700;
  line-height: 1;
  transition: transform 0.2s;
}

.faq-item.open .faq-q-icon {
  transform: rotate(45deg);
  background: var(--green);
  color: var(--white);
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  background: var(--cream);
  border-top: 0px solid var(--line);
}

.faq-item.open .faq-a {
  max-height: 600px;
  border-top-width: 1px;
}

.faq-a-inner {
  padding: 16px 20px 20px;
  font-size: 14px;
  color: var(--slate);
  line-height: 1.7;
}

.faq-a-inner a {
  color: var(--green);
}

/* ================================================================
   14. DUAL CTA STRIP
   ================================================================ */
.dual-cta {
  background: var(--dark);
  padding: 48px 0;
  position: relative;
  overflow: hidden;
}

.dual-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 50%, rgba(22,163,74,.08) 0%, transparent 70%);
  pointer-events: none;
}

.dual-cta-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.dual-cta-text h2 {
  font-size: clamp(1.25rem, 2.5vw, 1.75rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 8px;
}

.dual-cta-text p {
  font-size: 15px;
  color: rgba(255,255,255,.65);
  max-width: 440px;
  line-height: 1.6;
}

.dual-cta-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

/* Card grid variant */
.dual-cta-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 28px;
}

.dual-cta-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: background 0.15s, border-color 0.15s;
}

.dual-cta-card:hover {
  background: rgba(255,255,255,.09);
  border-color: rgba(22,163,74,.4);
}

.dual-cta-card h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}

.dual-cta-card p {
  font-size: 13px;
  color: rgba(255,255,255,.6);
  margin-bottom: 16px;
  line-height: 1.5;
}

@media (max-width: 768px) {
  .dual-cta-inner {
    flex-direction: column;
    text-align: center;
  }
  .dual-cta-actions {
    flex-direction: column;
    width: 100%;
  }
  .dual-cta-actions .btn {
    width: 100%;
    justify-content: center;
  }
  .dual-cta-grid {
    grid-template-columns: 1fr;
  }
}

/* ================================================================
   15. STICKY CTA
   ================================================================ */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 300;
  background: var(--dark);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 12px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  box-shadow: 0 -4px 20px rgba(0,0,0,.2);
  transform: translateY(100%);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.sticky-cta.visible {
  transform: translateY(0);
}

.sticky-cta p {
  font-size: 14px;
  color: rgba(255,255,255,.8);
  margin: 0;
}

.sticky-cta strong {
  color: var(--white);
}

@media (max-width: 640px) {
  .sticky-cta {
    flex-direction: column;
    gap: 10px;
    text-align: center;
    padding: 14px 16px;
  }
  .sticky-cta .btn {
    width: 100%;
    justify-content: center;
  }
}

/* ================================================================
   16. FOOTER (.crt-footer)
   ================================================================ */
.crt-footer {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  padding: 56px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255,255,255,.5);
  max-width: 260px;
  margin-top: 14px;
}

.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,.9);
  margin-bottom: 14px;
}

.footer-col a {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,.5);
  margin-bottom: 8px;
  text-decoration: none;
  transition: color 0.12s;
}

.footer-col a:hover {
  color: var(--green);
  text-decoration: none;
}

.footer-legal {
  padding: 24px 0;
}

.footer-legal-inner {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.footer-copy {
  font-size: 13px;
  color: rgba(255,255,255,.3);
}

.footer-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-links a {
  font-size: 13px;
  color: rgba(255,255,255,.35);
  text-decoration: none;
  transition: color 0.12s;
}

.footer-links a:hover {
  color: rgba(255,255,255,.7);
  text-decoration: none;
}

/* CCPA opt-out link */
.footer-ccpa {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  color: rgba(255,255,255,.4);
  cursor: pointer;
  transition: color 0.12s;
  border: none;
  background: none;
  font-family: var(--font-base);
}

.footer-ccpa:hover {
  color: rgba(255,255,255,.75);
}

.footer-ccpa::before {
  content: '';
  display: inline-block;
  width: 20px;
  height: 12px;
  background: linear-gradient(90deg, #0032A0 50%, #E03C31 50%);
  border-radius: 2px;
  flex-shrink: 0;
}

@media (max-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
  .footer-brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 640px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 28px;
  }
  .footer-legal-inner {
    flex-direction: column;
    gap: 12px;
  }
}

/* ================================================================
   17. EXIT INTENT MODAL
   ================================================================ */
#crt-exit-modal {
  position: fixed;
  inset: 0;
  z-index: 900;
  background: rgba(15,23,42,.78);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  backdrop-filter: blur(2px);
}

#crt-exit-modal[hidden] {
  display: none;
}

.crt-modal-box {
  background: var(--white);
  border-radius: var(--radius-xl);
  max-width: 460px;
  width: 100%;
  padding: 36px 32px;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: crt-modal-in 0.25s ease;
}

@keyframes crt-modal-in {
  from { opacity: 0; transform: scale(0.96) translateY(8px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}

.crt-modal-close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--cream);
  border: none;
  cursor: pointer;
  color: var(--slate);
  transition: background 0.12s, color 0.12s;
}

.crt-modal-close:hover {
  background: var(--line);
  color: var(--ink);
}

.crt-modal-eyebrow {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--green);
  margin-bottom: 10px;
}

.crt-modal-title {
  font-size: 22px;
  font-weight: 900;
  color: var(--ink);
  margin-bottom: 8px;
  line-height: 1.25;
}

.crt-modal-body {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.65;
  margin-bottom: 24px;
}

.crt-modal-actions {
  display: grid;
  gap: 10px;
}

/* ================================================================
   18. SECTION + PAGE UTILITY CLASSES
   ================================================================ */
.section {
  padding: 56px 0;
}

.section-sm {
  padding: 40px 0;
}

.section-lg {
  padding: 80px 0;
}

.section-cream {
  background: var(--cream);
}

.section-dark {
  background: var(--dark);
}

/* Content prose */
.prose {
  max-width: 720px;
  font-size: 15px;
  line-height: 1.75;
  color: var(--ink);
}

.prose h2 {
  font-size: 1.5rem;
  font-weight: 800;
  margin: 32px 0 14px;
  letter-spacing: -0.01em;
}

.prose h3 {
  font-size: 1.2rem;
  font-weight: 700;
  margin: 24px 0 10px;
}

.prose p {
  margin-bottom: 16px;
}

.prose ul, .prose ol {
  list-style: disc;
  padding-left: 20px;
  margin-bottom: 16px;
}

.prose li {
  margin-bottom: 8px;
}

.prose a {
  color: var(--green);
  font-weight: 600;
}

/* Trust bar */
.trust-bar {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: var(--slate);
  font-weight: 600;
}

.trust-item svg {
  color: var(--green);
}

/* Credit score pill */
.score-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green-light);
  border: 1px solid rgba(22,163,74,.2);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 14px;
  font-weight: 700;
  color: var(--green-dark);
}

/* Stats grid */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 16px;
}

.stat-card {
  background: var(--cream);
  border: 1.5px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 20px;
  text-align: center;
}

.stat-value {
  font-size: 2rem;
  font-weight: 900;
  color: var(--green);
  line-height: 1;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 13px;
  color: var(--slate);
  font-weight: 500;
}

/* ================================================================
   19. RESPONSIVE BREAKPOINTS
   ================================================================ */
@media (max-width: 1024px) {
  .niche-grid {
    grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  }
}

@media (max-width: 880px) {
  .section {
    padding: 40px 0;
  }
  .section-lg {
    padding: 56px 0;
  }
  .home-hero {
    padding: 48px 0 40px;
  }
  .niche-hero {
    padding: 40px 0 32px;
  }
}

@media (max-width: 640px) {
  .container, .wrap {
    padding-left: 16px;
    padding-right: 16px;
  }
  .section-title {
    font-size: 1.375rem;
  }
  .niche-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .trust-bar {
    gap: 14px;
  }
  .grid-2, .grid-3 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 400px) {
  .niche-grid {
    grid-template-columns: 1fr;
  }
}