/* ===========================================================
   USA-CreditRx — Design System
   Signature motif: "The Redline Ledger" — corrections made
   the compliant way, shown like a real dispute line item.
   =========================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,600;0,700;0,800;1,600&family=Source+Sans+3:wght@400;500;600;700&family=IBM+Plex+Mono:wght@500;600&display=swap');

:root{
  /* color */
  --navy-950:#081727;
  --navy-900:#0a1f3d;
  --navy-800:#123157;
  --navy-700:#1b4374;
  --gold-600:#c98f14;
  --gold-500:#e3a723;
  --gold-300:#f2cd7e;
  --cream-50:#f8f5ee;
  --cream-100:#f1ebdd;
  --ink-900:#141c26;
  --ink-700:#3c4652;
  --ink-500:#66707c;
  --line:#dcd4c2;
  --redline:#a8382b;
  --verified:#2f6b52;
  --white:#ffffff;

  --font-display:'Playfair Display', Georgia, serif;
  --font-body:'Source Sans 3', Arial, Helvetica, sans-serif;
  --font-mono:'IBM Plex Mono', 'Courier New', monospace;

  --container:1200px;
  --radius:10px;
  --shadow-card:0 1px 2px rgba(10,31,61,.06), 0 12px 32px -16px rgba(10,31,61,.18);
  --shadow-lift:0 24px 48px -20px rgba(10,31,61,.35);
}

*,*::before,*::after{box-sizing:border-box}
svg{width:1em;height:1em;flex-shrink:0;vertical-align:-0.125em}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
}
body{
  margin:0;background:var(--cream-50);color:var(--ink-900);
  font-family:var(--font-body);line-height:1.55;font-size:16px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy-900);line-height:1.12;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2.3rem,4.4vw,3.6rem);letter-spacing:-.01em}
h2{font-size:clamp(1.7rem,3vw,2.4rem);letter-spacing:-.005em}
h3{font-size:1.3rem}
p{margin:0 0 1em}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
section{padding:88px 0}
@media (max-width:720px){section{padding:56px 0}}
.eyebrow{
  display:inline-flex;align-items:center;gap:.55em;
  font-family:var(--font-mono);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold-600);font-weight:600;margin-bottom:1.1em;
}
.eyebrow::before{content:'';width:22px;height:1px;background:var(--gold-500)}
.lede{font-size:1.15rem;color:var(--ink-700);max-width:56ch}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* focus */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{
  outline:3px solid var(--gold-500);outline-offset:2px;
}

/* buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--font-body);font-weight:700;font-size:.95rem;
  padding:.95em 1.6em;border-radius:7px;border:1px solid transparent;cursor:pointer;
  text-decoration:none;transition:transform .15s ease,background .15s ease,border-color .15s ease,color .15s ease;
  white-space:nowrap;
}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold-500);color:var(--navy-950);border-color:var(--gold-500)}
.btn-gold:hover{background:var(--gold-300);border-color:var(--gold-300)}
.btn-outline{background:transparent;color:var(--white);border-color:rgba(255,255,255,.45)}
.btn-outline:hover{border-color:var(--white)}
.btn-outline-navy{background:transparent;color:var(--navy-900);border-color:var(--navy-900)}
.btn-outline-navy:hover{background:var(--navy-900);color:var(--white)}
.btn-block{width:100%}
.btn-lg{padding:1.05em 1.9em;font-size:1rem}

/* ============= HEADER / NAV ============= */
.site-header{
  position:sticky;top:0;z-index:100;background:rgba(10,31,61,.97);
  border-bottom:1px solid rgba(255,255,255,.08);
  backdrop-filter:saturate(140%) blur(6px);
}
.nav-row{display:flex;align-items:center;gap:28px;height:76px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;flex-shrink:0}
.brand-logo{height:42px;width:auto;display:block}
.brand-logo--footer{height:52px}

.primary-nav{display:flex;align-items:center;gap:2px;margin-left:8px;flex:1;min-width:0}
.primary-nav a{
  color:rgba(255,255,255,.82);text-decoration:none;font-size:.86rem;font-weight:600;
  padding:.6em .68em;border-radius:6px;white-space:nowrap;position:relative;
}
.primary-nav a:hover{color:var(--white);background:rgba(255,255,255,.06)}
.primary-nav a.is-active{color:var(--gold-300)}

.nav-more{position:relative}
.nav-more>button{
  display:flex;align-items:center;gap:.35em;background:none;border:0;color:rgba(255,255,255,.82);
  font-family:var(--font-body);font-size:.86rem;font-weight:600;padding:.6em .68em;border-radius:6px;cursor:pointer;
}
.nav-more>button:hover{color:var(--white);background:rgba(255,255,255,.06)}
.nav-more svg{width:11px;height:11px;transition:transform .15s ease}
.nav-more[data-open="true"] svg{transform:rotate(180deg)}
.nav-more-panel{
  position:absolute;top:calc(100% + 10px);left:0;min-width:210px;background:var(--white);
  border-radius:10px;box-shadow:var(--shadow-lift);padding:8px;display:none;border:1px solid var(--line);
}
.nav-more[data-open="true"] .nav-more-panel{display:block}
.nav-more-panel a{
  display:block;padding:.65em .8em;border-radius:6px;color:var(--ink-900);text-decoration:none;font-size:.9rem;font-weight:600;
}
.nav-more-panel a:hover{background:var(--cream-100)}
.nav-more-panel a small{display:block;font-weight:400;color:var(--ink-500);font-size:.78rem;margin-top:1px}

.nav-cta{display:flex;align-items:center;gap:10px;flex-shrink:0}
.nav-phone{color:var(--gold-300);font-family:var(--font-mono);font-size:.82rem;text-decoration:none;font-weight:600;white-space:nowrap}
.nav-phone:hover{color:var(--white)}

.nav-toggle{display:none;background:none;border:0;color:var(--white);cursor:pointer;padding:8px}
.nav-toggle svg{width:24px;height:24px}

@media (max-width:1120px){
  .primary-nav,.nav-more,.nav-cta{display:none}
  .nav-toggle{display:inline-flex}
  .nav-row{height:68px}
}
@media (max-width:400px){
  .nav-row{gap:12px}
  .brand-logo{height:34px}
}

.mobile-nav{
  display:none;position:fixed;inset:68px 0 0 0;background:var(--navy-950);z-index:99;
  overflow-y:auto;padding:12px 20px 40px;
}
.mobile-nav.is-open{display:block}
.mobile-nav a{
  display:block;color:var(--white);text-decoration:none;font-size:1.05rem;font-weight:600;
  padding:14px 4px;border-bottom:1px solid rgba(255,255,255,.08);
}
.mobile-nav .mn-label{
  font-family:var(--font-mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-300);
  padding:18px 4px 6px;
}
.mobile-nav .btn{margin-top:20px}

/* ============= HERO ============= */
.hero{
  background:radial-gradient(1100px 560px at 82% -10%,rgba(227,167,35,.16),transparent 60%),
             linear-gradient(180deg,var(--navy-950),var(--navy-900) 60%,var(--navy-800));
  color:var(--white);padding:76px 0 96px;position:relative;overflow:hidden;
}
.hero::after{
  content:'';position:absolute;inset:auto 0 0 0;height:1px;
  background:linear-gradient(90deg,transparent,rgba(227,167,35,.5),transparent);
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr}}
.hero h1{color:var(--white)}
.hero p.lede{color:rgba(255,255,255,.78)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:1.7em}
.hero-fine{margin-top:1.6em;font-size:.82rem;color:rgba(255,255,255,.55);font-family:var(--font-mono)}

.redline-word{
  color:rgba(255,255,255,.45);text-decoration-line:line-through;text-decoration-color:var(--redline);
  text-decoration-thickness:.08em;text-decoration-skip-ink:none;
}
.corrected-word{color:var(--gold-300)}

/* ledger card — signature component */
.ledger-card{
  background:var(--white);color:var(--ink-900);border-radius:12px;box-shadow:var(--shadow-lift);
  overflow:hidden;border:1px solid var(--line);
}
.ledger-card__head{
  background:var(--navy-900);color:var(--white);padding:14px 18px;
  display:flex;align-items:center;justify-content:space-between;
  font-family:var(--font-mono);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;
}
.ledger-card__head span:last-child{color:var(--gold-300)}
.ledger-row{
  display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:15px 18px;border-bottom:1px solid var(--line);font-size:.92rem;
}
.ledger-row:last-child{border-bottom:0}
.ledger-row .item{font-weight:600}
.ledger-row .item small{display:block;font-family:var(--font-mono);font-size:.72rem;color:var(--ink-500);font-weight:400;margin-top:2px}
.status-flow{display:flex;align-items:center;gap:8px;font-family:var(--font-mono);font-size:.7rem;font-weight:600;letter-spacing:.03em}
.status-flow svg{width:12px;height:12px;color:var(--ink-500);flex-shrink:0}
.tag{padding:.3em .6em;border-radius:99px;white-space:nowrap}
.tag-disputed{background:#f4e6cf;color:#8a5a10}
.tag-removed{background:#dfeee6;color:var(--verified)}
.tag-verified{background:#e9edf3;color:var(--navy-800)}
.tag-updated{background:#e4eefb;color:#215088}
.ledger-card__foot{padding:12px 18px;font-family:var(--font-mono);font-size:.7rem;color:var(--ink-500);background:var(--cream-100)}

/* trust strip */
.trust-strip{border-top:1px solid rgba(255,255,255,.1);margin-top:56px;padding-top:28px}
.trust-strip ul{list-style:none;display:flex;flex-wrap:wrap;gap:28px;margin:0;padding:0;color:rgba(255,255,255,.62);font-size:.82rem;font-weight:600}
.trust-strip li{display:flex;align-items:center;gap:8px}
.trust-strip svg{width:16px;height:16px;color:var(--gold-300);flex-shrink:0}

/* ============= SECTIONS / CARDS ============= */
.section-head{max-width:640px;margin:0 0 48px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px;box-shadow:var(--shadow-card);
}
.card-icon{
  width:44px;height:44px;border-radius:9px;background:var(--navy-900);color:var(--gold-300);
  display:grid;place-items:center;margin-bottom:18px;
}
.card-icon svg{width:22px;height:22px}
.card h3{margin-bottom:.4em}
.card p{color:var(--ink-700);margin-bottom:0;font-size:.95rem}

.on-navy{background:var(--navy-900);color:var(--white)}
.on-navy h2,.on-navy h3,.on-navy h1{color:var(--white)}
.on-navy .lede{color:rgba(255,255,255,.72)}

.on-cream{background:var(--cream-100)}

/* stat strip */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:36px 0}
@media (max-width:720px){.stat-strip{grid-template-columns:repeat(2,1fr)}}
.stat{text-align:center}
.stat b{display:block;font-family:var(--font-display);font-size:2rem;color:var(--navy-900)}
.stat span{font-size:.82rem;color:var(--ink-500)}

/* timeline (real FCRA 30-day process — not decorative numbering) */
.timeline{position:relative;margin:0;padding:0;list-style:none}
.timeline::before{content:'';position:absolute;left:23px;top:6px;bottom:6px;width:2px;background:var(--line)}
.timeline li{position:relative;padding:0 0 40px 64px}
.timeline li:last-child{padding-bottom:0}
.timeline .tl-day{
  position:absolute;left:0;top:0;width:48px;height:48px;border-radius:50%;
  background:var(--navy-900);color:var(--gold-300);display:grid;place-items:center;
  font-family:var(--font-mono);font-size:.68rem;font-weight:600;text-align:center;line-height:1.15;z-index:1;
}
.timeline h3{margin-bottom:.3em;font-size:1.15rem}
.timeline p{color:var(--ink-700);margin-bottom:0}

/* pricing */
.price-card{
  background:var(--white);border:1px solid var(--line);border-radius:12px;padding:32px;display:flex;flex-direction:column;
  box-shadow:var(--shadow-card);
}
.price-card.is-featured{border-color:var(--gold-500);box-shadow:var(--shadow-lift);position:relative}
.price-card.is-featured::before{
  content:'Most Chosen';position:absolute;top:-13px;left:32px;background:var(--gold-500);color:var(--navy-950);
  font-family:var(--font-mono);font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:.4em .8em;border-radius:99px;
}
.price-amount{font-family:var(--font-display);font-size:2.4rem;color:var(--navy-900);margin:.2em 0}
.price-amount span{font-family:var(--font-body);font-size:.9rem;color:var(--ink-500);font-weight:600}
.price-list{list-style:none;margin:1.2em 0;padding:0;display:flex;flex-direction:column;gap:10px}
.price-list li{display:flex;gap:10px;font-size:.92rem;color:var(--ink-700)}
.price-list svg{width:17px;height:17px;color:var(--verified);flex-shrink:0;margin-top:2px}

/* FAQ accordion */
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:22px 4px;display:flex;align-items:center;justify-content:space-between;gap:16px;
  font-weight:700;color:var(--navy-900);font-size:1.02rem;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .plus{
  width:26px;height:26px;border-radius:50%;border:1.5px solid var(--navy-900);flex-shrink:0;position:relative;
}
.faq-item summary .plus::before,.faq-item summary .plus::after{
  content:'';position:absolute;background:var(--navy-900);top:50%;left:50%;transform:translate(-50%,-50%);
}
.faq-item summary .plus::before{width:11px;height:1.5px}
.faq-item summary .plus::after{width:1.5px;height:11px;transition:transform .18s ease}
.faq-item[open] summary .plus::after{transform:translate(-50%,-50%) rotate(90deg) scaleY(0)}
.faq-item .faq-a{padding:0 4px 22px;color:var(--ink-700);max-width:70ch}

/* testimonial */
.testimonial{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:28px;box-shadow:var(--shadow-card)}
.testimonial svg{width:26px;height:20px;color:var(--gold-500);margin-bottom:12px}
.testimonial p{color:var(--ink-900);font-size:1rem}
.testimonial .who{font-family:var(--font-mono);font-size:.78rem;color:var(--ink-500);font-weight:600}

/* forms */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:640px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.field.full{grid-column:1/-1}
.field label{font-size:.82rem;font-weight:600;color:var(--ink-700)}
.field input,.field select,.field textarea{
  font:inherit;padding:.85em .9em;border:1px solid var(--line);border-radius:7px;background:var(--white);color:var(--ink-900);
  width:100%;
}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(227,167,35,.25)}
.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important}
.form-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:32px;box-shadow:var(--shadow-lift)}
.form-note{font-size:.78rem;color:var(--ink-500);margin-top:10px}

/* CTA band */
.cta-band{
  background:linear-gradient(120deg,var(--navy-950),var(--navy-800));color:var(--white);border-radius:16px;
  padding:56px;display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;
}
.cta-band h2{color:var(--white);margin-bottom:.25em}
.cta-band p{color:rgba(255,255,255,.75);margin-bottom:0}

/* compliance strip */
.compliance-strip{background:var(--navy-950);color:rgba(255,255,255,.6);font-size:.78rem;padding:14px 0}
.compliance-strip .container{display:flex;gap:10px;align-items:flex-start}
.compliance-strip svg{width:16px;height:16px;flex-shrink:0;margin-top:1px;color:var(--gold-300)}

/* footer */
.site-footer{background:var(--navy-950);color:rgba(255,255,255,.7);padding:64px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
@media (max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-grid h4{color:var(--white);font-family:var(--font-mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1.1em}
.footer-grid a{display:block;color:rgba(255,255,255,.65);text-decoration:none;font-size:.9rem;margin-bottom:.7em}
.footer-grid a:hover{color:var(--gold-300)}
.footer-brand p{color:rgba(255,255,255,.6);font-size:.88rem;max-width:34ch}
.footer-trust{
  border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:24px;
}
.trust-strip-img{width:100%;height:auto;display:block;border-radius:8px}

.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);margin-top:24px;padding-top:24px;
  display:flex;justify-content:space-between;align-items:flex-start;gap:24px;flex-wrap:wrap;font-size:.8rem;color:rgba(255,255,255,.45);
}
.footer-bottom>span:first-child{max-width:62ch;line-height:1.6}
.footer-bottom__links{white-space:nowrap;flex-shrink:0}
.footer-bottom a{color:rgba(255,255,255,.45);text-decoration:none}
.footer-bottom a:hover{color:var(--gold-300)}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.is-visible{opacity:1;transform:none}

/* breadcrumb-ish page intro (interior pages) — real NYC skyline photo, distinct per page via --hero-photo */
.page-hero{
  background:
    linear-gradient(180deg,rgba(8,17,30,.62) 0%,rgba(8,17,30,.40) 50%,rgba(8,17,30,.72) 100%),
    var(--hero-photo, url('nyc-skyline-about.jpg')) center 62%/cover no-repeat;
  color:var(--white);padding:76px 0 84px;position:relative;overflow:hidden;
}
.page-hero .eyebrow{text-shadow:0 2px 10px rgba(0,0,0,.55)}
.page-hero h1{color:var(--white);text-shadow:0 2px 14px rgba(0,0,0,.55)}
.page-hero .lede{color:rgba(255,255,255,.92);text-shadow:0 1px 10px rgba(0,0,0,.6)}
.page-hero>.container{position:relative;z-index:2}
@media (max-width:720px){.page-hero{padding:60px 0 64px}}

.skyline-band{
  position:relative;overflow:hidden;padding:0;
  background:
    linear-gradient(180deg,var(--navy-950) 0%,rgba(8,17,30,.22) 45%,rgba(8,17,30,.42) 100%),
    url('nyc-skyline-about.jpg') center 55%/cover no-repeat;
}
.skyline-band .skyline-band-inner{position:relative;height:230px}
.skyline-band .caption{
  position:relative;z-index:2;color:#fff;text-align:center;padding-top:28px;
  font-family:var(--font-mono);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;
  text-shadow:0 1px 8px rgba(0,0,0,.5);
}
.skyline-band .caption b{color:var(--gold-300)}
@media (max-width:720px){.skyline-band .skyline-band-inner{height:150px}}

/* misc utility */
.mt-0{margin-top:0}
.mb-0{margin-bottom:0}
.flex{display:flex}
.flex-wrap{flex-wrap:wrap}
.gap-12{gap:12px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media (max-width:860px){.two-col{grid-template-columns:1fr}}
.hero-grid>*,.two-col>*,.grid>*{min-width:0}
.ledger-row{flex-wrap:wrap;row-gap:8px}
@media (max-width:400px){
  .ledger-row{padding:13px 14px;font-size:.86rem}
  .status-flow{font-size:.64rem;gap:6px}
}
.list-check{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.list-check li{display:flex;gap:10px;color:var(--ink-700)}
.list-check svg{width:18px;height:18px;color:var(--verified);flex-shrink:0;margin-top:2px}
.badge-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.badge{
  display:flex;align-items:center;gap:8px;background:var(--white);border:1px solid var(--line);border-radius:8px;
  padding:.6em .9em;font-size:.78rem;font-weight:600;color:var(--ink-700);
}
.badge svg{width:16px;height:16px;color:var(--navy-800)}