/* =========================================================================
   CREDIT GARDEN — Modern Fintech / Apple-Style
   Colors: Deep Green, Lime Green, White, Near-Black
   ========================================================================= */

/* --- TOKENS ---------------------------------------------------------------- */
:root {
  --green-deep:    #1B5E20;
  --green-mid:     #2E7D32;
  --green-bright:  #43A047;
  --green-lime:    #7CB342;
  --green-light:   #AED581;
  --green-pale:    #F1F8E9;
  --green-glass:   rgba(67,160,71,0.08);

  --black:         #0A0A0A;
  --dark:          #1C1C1E;
  --dark-2:        #2C2C2E;
  --grey-1:        #636366;
  --grey-2:        #AEAEB2;
  --grey-3:        #D1D1D6;
  --grey-bg:       #F2F2F7;
  --white:         #FFFFFF;

  --gradient-hero: linear-gradient(135deg, #0A2A0A 0%, #1B5E20 40%, #2E7D32 100%);
  --gradient-card: linear-gradient(145deg, #1B5E20, #43A047);
  --gradient-lime: linear-gradient(135deg, #558B2F, #7CB342);

  --font-display: -apple-system, 'SF Pro Display', 'Inter', system-ui, sans-serif;
  --font-body:    -apple-system, 'SF Pro Text', 'Inter', system-ui, sans-serif;

  --radius-sm:  8px;
  --radius-md:  16px;
  --radius-lg:  24px;
  --radius-xl:  36px;

  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.10), 0 2px 6px rgba(0,0,0,0.06);
  --shadow-lg:  0 16px 48px rgba(0,0,0,0.14), 0 4px 12px rgba(0,0,0,0.08);
  --shadow-green: 0 8px 32px rgba(43,160,71,0.25);

  --container: 1200px;
  --gutter: clamp(20px, 5vw, 80px);
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
}

/* --- RESET ------------------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  background: var(--white);
  color: var(--dark);
  font-family: var(--font-body);
  font-weight: 400;
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; transition: opacity 0.2s; }
a:hover { opacity: 0.8; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
::selection { background: var(--green-lime); color: var(--white); }

/* --- CONTAINER -------------------------------------------------------------- */
.container {
  width: min(var(--container), 100%);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

/* --- REVEAL ANIMATIONS ------------------------------------------------------ */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.75s var(--ease), transform 0.75s var(--ease);
}
.reveal--up    { transform: translateY(30px); }
.reveal--left  { transform: translateX(-30px); }
.reveal--right { transform: translateX(30px); }
.reveal--scale { transform: scale(0.95); }
.reveal--d1 { transition-delay: 0.1s; }
.reveal--d2 { transition-delay: 0.2s; }
.reveal--d3 { transition-delay: 0.3s; }
.reveal--d4 { transition-delay: 0.4s; }
.reveal--d5 { transition-delay: 0.5s; }
.reveal.in-view { opacity: 1; transform: none; }

/* --- EYEBROW / LABEL -------------------------------------------------------- */
.eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--green-bright);
  margin-bottom: 12px;
}
.eyebrow--white { color: rgba(255,255,255,0.7); }

/* --- SECTION TITLES --------------------------------------------------------- */
.section-title {
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.12;
  color: var(--dark);
}
.section-title--white { color: var(--white); }
.section-title span { color: var(--green-bright); }

.section-sub {
  font-size: clamp(1rem, 1.5vw, 1.2rem);
  color: var(--grey-1);
  max-width: 640px;
  line-height: 1.7;
  margin-top: 16px;
}
.section-sub--white { color: rgba(255,255,255,0.7); }

/* --- BUTTONS ---------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 980px;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: -0.01em;
  transition: all 0.25s var(--ease);
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0);
  transition: background 0.2s;
}
.btn:hover::after { background: rgba(255,255,255,0.08); }

.btn--primary {
  background: var(--green-mid);
  color: var(--white);
  box-shadow: var(--shadow-green);
}
.btn--primary:hover {
  background: var(--green-deep);
  opacity: 1;
  transform: translateY(-1px);
  box-shadow: 0 12px 40px rgba(43,160,71,0.35);
}

.btn--outline {
  background: transparent;
  color: var(--green-mid);
  border: 1.5px solid var(--green-mid);
}
.btn--outline:hover {
  background: var(--green-mid);
  color: var(--white);
  opacity: 1;
  transform: translateY(-1px);
}

.btn--white {
  background: var(--white);
  color: var(--green-mid);
  box-shadow: var(--shadow-md);
}
.btn--white:hover { opacity: 1; transform: translateY(-1px); box-shadow: var(--shadow-lg); }

.btn--ghost {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(8px);
}
.btn--ghost:hover { background: rgba(255,255,255,0.2); opacity: 1; }

.btn--lime {
  background: var(--green-lime);
  color: var(--white);
  box-shadow: 0 8px 24px rgba(124,179,66,0.3);
}
.btn--lime:hover { background: #558B2F; opacity: 1; transform: translateY(-1px); }

/* =========================================================================
   NAV
   ========================================================================= */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 500;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--gutter);
  height: 64px;
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid rgba(0,0,0,0.06);
  transition: box-shadow 0.3s;
}
.nav.scrolled { box-shadow: 0 1px 20px rgba(0,0,0,0.08); }
.nav--dark {
  background: rgba(10,42,10,0.88);
  border-bottom-color: rgba(255,255,255,0.08);
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--dark);
  text-decoration: none;
}
/* Logo image — shown when logo.png is uploaded to /images/ */
.nav__logo-img {
  height: 40px;
  width: auto;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
}
/* Fallback text mark shown if image fails to load */
.nav__logo-fallback { display: flex; align-items: center; gap: 10px; }
.nav__logo-mark {
  width: 36px;
  height: 36px;
  background: var(--gradient-card);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.04em;
  flex-shrink: 0;
}
.nav__logo-text { display: flex; flex-direction: column; line-height: 1; }
.nav__logo-main { font-size: 16px; font-weight: 700; color: var(--dark); }
.nav__logo-sub { font-size: 9px; font-weight: 500; letter-spacing: 0.1em; text-transform: uppercase; color: var(--green-bright); }

/* Hero logo — white pill container so white-bg logo looks clean on dark hero */
.hero__logo-wrap {
  display: flex;
  justify-content: flex-start;
  margin-bottom: 28px;
}
.hero__logo-img {
  height: 72px;
  width: auto;
  object-fit: contain;
  background: rgba(255,255,255,0.96);
  border-radius: var(--radius-md);
  padding: 8px 16px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.25);
}

/* Score report logo */
.score-report-logo {
  display: flex;
  justify-content: center;
  align-items: center;
  padding: 20px 0 8px;
  margin-bottom: 4px;
}
.score-report-logo img {
  height: 56px;
  width: auto;
  object-fit: contain;
}
.score-report-logo__fallback {
  font-size: 1.1rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--green-deep);
}

/* Footer logo image — white pill on dark footer background */
.footer__logo-img {
  height: 40px;
  width: auto;
  object-fit: contain;
  background: rgba(255,255,255,0.95);
  border-radius: 10px;
  padding: 6px 12px;
  display: block;
  margin-bottom: 12px;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav__links a {
  padding: 7px 14px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--dark);
  transition: background 0.2s, color 0.2s;
  letter-spacing: -0.01em;
}
.nav__links a:hover { background: var(--grey-bg); opacity: 1; }
.nav__links a.active { color: var(--green-mid); }

.nav__cta {
  padding: 9px 20px !important;
  background: var(--green-mid) !important;
  color: var(--white) !important;
  border-radius: 980px !important;
}
.nav__cta:hover { background: var(--green-deep) !important; opacity: 1 !important; }

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: 8px;
  transition: background 0.2s;
}
.nav__toggle:hover { background: var(--grey-bg); }
.nav__toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: all 0.3s;
}

/* =========================================================================
   HERO
   ========================================================================= */
.hero {
  min-height: 100svh;
  background: var(--gradient-hero);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  padding-top: 64px;
}

.hero__orbs {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.hero__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.3;
}
.hero__orb--1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #7CB342, transparent);
  top: -200px; right: -100px;
}
.hero__orb--2 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, #43A047, transparent);
  bottom: -100px; left: -50px;
}
.hero__orb--3 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, #AED581, transparent);
  top: 40%; right: 20%;
  opacity: 0.15;
}

.hero__grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero__inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 100px var(--gutter) 80px;
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
}

.hero__content {}
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(10px);
  border-radius: 980px;
  padding: 8px 16px;
  font-size: 12px;
  font-weight: 600;
  color: var(--green-light);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 28px;
}
.hero__badge-dot {
  width: 8px; height: 8px;
  background: var(--green-lime);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.3); opacity: 0.7; }
}

.hero__headline {
  font-size: clamp(2.8rem, 6vw, 5.2rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.05;
  color: var(--white);
  margin-bottom: 8px;
}
.hero__headline-accent {
  background: linear-gradient(90deg, #AED581, #7CB342);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  display: block;
}

.hero__tagline {
  font-size: clamp(1rem, 1.8vw, 1.35rem);
  color: rgba(255,255,255,0.7);
  line-height: 1.6;
  max-width: 480px;
  margin: 20px 0 36px;
}
.hero__tagline strong { color: var(--green-light); font-weight: 600; }

.hero__ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero__pillars {
  display: flex;
  gap: 20px;
  margin-top: 52px;
  flex-wrap: wrap;
}
.hero__pillar {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: rgba(255,255,255,0.6);
}
.hero__pillar-icon {
  width: 32px; height: 32px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

/* Hero Score Card / Visual */
.hero__visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero__photo-wrap {
  position: relative;
  width: 100%;
  max-width: 460px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 24px 80px rgba(0,0,0,0.5);
}
.hero__photo-wrap img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.hero__photo-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(10,42,10,0.6) 100%);
  border-radius: var(--radius-xl);
}
.hero__photo-caption {
  position: absolute;
  bottom: 24px;
  left: 24px;
  right: 24px;
  z-index: 1;
  background: rgba(255,255,255,0.10);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius-md);
  padding: 14px 18px;
}
.hero__photo-caption p {
  font-size: 13px;
  color: rgba(255,255,255,0.9);
  font-weight: 500;
  line-height: 1.4;
}
.hero__photo-caption strong {
  color: var(--green-light);
  font-weight: 700;
}

.hero__score-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  backdrop-filter: blur(24px);
  border-radius: var(--radius-xl);
  padding: 40px;
  width: 100%;
  max-width: 420px;
  position: relative;
}

.hero__score-title {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 24px;
}

.hero__score-ring {
  display: flex;
  justify-content: center;
  margin-bottom: 28px;
  position: relative;
}
.hero__score-ring svg {
  transform: rotate(-90deg);
  filter: drop-shadow(0 0 20px rgba(124,179,66,0.4));
}
.hero__score-number {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}
.hero__score-num {
  font-size: 3.2rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.04em;
  line-height: 1;
  display: block;
}
.hero__score-label {
  font-size: 11px;
  color: var(--green-light);
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hero__score-bars {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hero__score-bar-row {
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero__score-bar-label {
  font-size: 12px;
  color: rgba(255,255,255,0.6);
  width: 120px;
  flex-shrink: 0;
}
.hero__score-bar-track {
  flex: 1;
  height: 6px;
  background: rgba(255,255,255,0.1);
  border-radius: 3px;
  overflow: hidden;
}
.hero__score-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, #43A047, #7CB342);
  border-radius: 3px;
  transition: width 1.5s var(--ease);
}
.hero__score-bar-val {
  font-size: 12px;
  font-weight: 600;
  color: var(--green-light);
  width: 30px;
  text-align: right;
  flex-shrink: 0;
}

/* =========================================================================
   STATS STRIP
   ========================================================================= */
.stats-strip {
  background: var(--dark);
  padding: 48px var(--gutter);
}
.stats-strip__inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius-md);
  overflow: hidden;
  max-width: var(--container);
  margin: 0 auto;
}
.stats-strip__item {
  padding: 36px 32px;
  background: var(--dark);
  transition: background 0.3s;
}
.stats-strip__item:hover { background: var(--dark-2); }
.stats-strip__num {
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--green-lime);
  line-height: 1;
  margin-bottom: 8px;
  display: block;
}
.stats-strip__label {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  line-height: 1.4;
  font-weight: 400;
}

/* =========================================================================
   SECTION SHARED
   ========================================================================= */
.section { padding: clamp(64px, 8vw, 120px) 0; }
.section--dark { background: var(--dark); }
.section--green { background: var(--green-deep); }
.section--pale { background: var(--green-pale); }
.section--grey { background: var(--grey-bg); }

.section__header {
  max-width: 680px;
  margin-bottom: clamp(40px, 5vw, 72px);
}
.section__header--center {
  text-align: center;
  margin-inline: auto;
}

/* =========================================================================
   FEATURE CARDS
   ========================================================================= */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--grey-3);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: transform 0.3s var(--ease), box-shadow 0.3s;
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gradient-lime);
  transform: scaleX(0);
  transition: transform 0.3s var(--ease);
  transform-origin: left;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.feature-card:hover::before { transform: scaleX(1); }

.feature-card__icon {
  width: 52px; height: 52px;
  background: var(--green-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  margin-bottom: 20px;
}
.feature-card__title {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--dark);
  margin-bottom: 10px;
}
.feature-card__body {
  font-size: 14px;
  color: var(--grey-1);
  line-height: 1.7;
}

/* =========================================================================
   SERVICES
   ========================================================================= */
.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2px;
  background: var(--grey-3);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.service-item {
  background: var(--white);
  padding: 48px 44px;
  transition: background 0.25s;
  position: relative;
}
.service-item:hover { background: var(--green-pale); }
.service-item__num {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--green-lime);
  text-transform: uppercase;
  margin-bottom: 16px;
}
.service-item__title {
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--dark);
  margin-bottom: 12px;
  line-height: 1.25;
}
.service-item__body {
  font-size: 14px;
  color: var(--grey-1);
  line-height: 1.75;
}
.service-item__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 20px;
  font-size: 13px;
  font-weight: 600;
  color: var(--green-mid);
}
.service-item__link::after {
  content: '→';
  transition: transform 0.2s;
}
.service-item:hover .service-item__link::after { transform: translateX(4px); }

/* =========================================================================
   PROCESS STEPS
   ========================================================================= */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 12.5%;
  right: 12.5%;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--green-lime), transparent);
}

.process-step {
  padding: 0 24px;
  text-align: center;
}
.process-step__circle {
  width: 80px; height: 80px;
  background: var(--gradient-card);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 28px;
  position: relative;
  z-index: 1;
  box-shadow: var(--shadow-green);
}
.process-step__title {
  font-size: 16px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}
.process-step__body {
  font-size: 13px;
  color: var(--grey-1);
  line-height: 1.65;
}

/* =========================================================================
   TESTIMONIAL / QUOTE
   ========================================================================= */
.quote-section {
  background: var(--gradient-hero);
  padding: clamp(64px, 8vw, 120px) var(--gutter);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.quote-section::before {
  content: '"';
  position: absolute;
  font-size: 30vw;
  font-weight: 800;
  color: rgba(255,255,255,0.03);
  top: -10%;
  left: 50%;
  transform: translateX(-50%);
  line-height: 1;
  pointer-events: none;
}
.quote-text {
  font-size: clamp(1.6rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.35;
  letter-spacing: -0.02em;
  max-width: 860px;
  margin: 0 auto 24px;
}
.quote-text span { color: var(--green-light); }
.quote-source {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 600;
}

/* =========================================================================
   BLOG / ARTICLES
   ========================================================================= */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.blog-grid--2 { grid-template-columns: repeat(2, 1fr); }
.blog-grid--4 { grid-template-columns: repeat(4, 1fr); }

.article-card {
  background: var(--white);
  border: 1px solid var(--grey-3);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s;
  display: flex;
  flex-direction: column;
}
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); opacity: 1; }

.article-card__thumb {
  aspect-ratio: 16/9;
  background: var(--gradient-card);
  overflow: hidden;
  position: relative;
}
.article-card__thumb-inner {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  opacity: 0.4;
}
.article-card__thumb-pattern {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 24px 24px;
}

.article-card__body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.article-card__meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}
.article-card__tag {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--green-bright);
  background: var(--green-pale);
  padding: 4px 10px;
  border-radius: 980px;
}
.article-card__date {
  font-size: 12px;
  color: var(--grey-2);
}
.article-card__title {
  font-size: 17px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--dark);
  line-height: 1.35;
  margin-bottom: 10px;
  flex: 1;
}
.article-card__excerpt {
  font-size: 13px;
  color: var(--grey-1);
  line-height: 1.65;
  margin-bottom: 16px;
}
.article-card__link {
  font-size: 13px;
  font-weight: 600;
  color: var(--green-mid);
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.article-card__link::after {
  content: '→';
  transition: transform 0.2s;
}
.article-card:hover .article-card__link::after { transform: translateX(4px); }

/* =========================================================================
   CALCULATOR
   ========================================================================= */
.calculator-wrap {
  background: var(--white);
  border: 1px solid var(--grey-3);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.calculator-header {
  background: var(--gradient-hero);
  padding: 40px 48px;
  position: relative;
  overflow: hidden;
}
.calculator-header::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 40px;
  background: var(--white);
  border-radius: 40px 40px 0 0;
}
.calculator-header h2 {
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  margin-bottom: 8px;
  position: relative;
  z-index: 1;
}
.calculator-header p {
  color: rgba(255,255,255,0.7);
  font-size: 15px;
  position: relative;
  z-index: 1;
}

.calculator-body {
  padding: 48px;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}
.calc-field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.calc-field--full { grid-column: 1 / -1; }

.calc-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--dark);
  letter-spacing: -0.01em;
}
.calc-label span {
  color: var(--grey-2);
  font-weight: 400;
}

.calc-input, .calc-select {
  padding: 12px 16px;
  border: 1.5px solid var(--grey-3);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-family: inherit;
  color: var(--dark);
  background: var(--grey-bg);
  transition: border-color 0.2s, box-shadow 0.2s;
  appearance: none;
  -webkit-appearance: none;
}
.calc-input:focus, .calc-select:focus {
  outline: none;
  border-color: var(--green-mid);
  box-shadow: 0 0 0 3px rgba(46,125,50,0.12);
  background: var(--white);
}

.calc-select-wrap {
  position: relative;
}
.calc-select-wrap::after {
  content: '▾';
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--grey-1);
  pointer-events: none;
  font-size: 12px;
}

.calc-range {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  border-radius: 3px;
  background: var(--grey-3);
  outline: none;
  transition: background 0.2s;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--green-mid);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(46,125,50,0.35);
  border: 3px solid var(--white);
}
.calc-range::-webkit-slider-runnable-track {
  background: linear-gradient(90deg, var(--green-mid) var(--pct, 0%), var(--grey-3) var(--pct, 0%));
  height: 6px;
  border-radius: 3px;
}

.calc-submit {
  width: 100%;
  padding: 16px;
  background: var(--gradient-card);
  color: var(--white);
  border-radius: var(--radius-md);
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.01em;
  transition: transform 0.2s, box-shadow 0.2s;
  box-shadow: var(--shadow-green);
}
.calc-submit:hover { transform: translateY(-2px); box-shadow: 0 16px 40px rgba(43,160,71,0.3); }

/* Score Result */
.score-result {
  display: none;
  margin-top: 36px;
  background: var(--green-pale);
  border: 1px solid var(--green-light);
  border-radius: var(--radius-lg);
  padding: 40px;
  text-align: center;
  animation: fadeUp 0.5s var(--ease) forwards;
}
.score-result.visible { display: block; }
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.score-result__ring {
  display: flex;
  justify-content: center;
  margin-bottom: 24px;
}
.score-result__ring svg { filter: drop-shadow(0 4px 16px rgba(43,160,71,0.3)); }
.score-result__num { position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }
.score-result__number {
  font-size: 3.5rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--green-deep);
  display: block;
  line-height: 1;
}
.score-result__grade {
  font-size: 15px;
  font-weight: 700;
  color: var(--green-mid);
  margin-bottom: 8px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.score-result__desc {
  font-size: 15px;
  color: var(--grey-1);
  max-width: 480px;
  margin: 0 auto 24px;
  line-height: 1.65;
}

.score-breakdown {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 20px;
  text-align: left;
}
.score-breakdown__item {
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  border: 1px solid var(--grey-3);
}
.score-breakdown__label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--grey-1);
  margin-bottom: 4px;
}
.score-breakdown__val {
  font-size: 18px;
  font-weight: 700;
  color: var(--green-deep);
  letter-spacing: -0.02em;
}

/* =========================================================================
   BLOG ARTICLE PAGE
   ========================================================================= */
.article-hero {
  background: var(--gradient-hero);
  padding: clamp(80px, 10vw, 140px) var(--gutter) clamp(60px, 8vw, 100px);
  position: relative;
  overflow: hidden;
}
.article-hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 50px;
  background: var(--white);
  border-radius: 50px 50px 0 0;
}
.article-hero__inner { max-width: 800px; margin: 0 auto; position: relative; z-index: 1; }
.article-hero__breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
}
.article-hero__breadcrumb a { color: rgba(255,255,255,0.7); }
.article-hero__breadcrumb a:hover { color: var(--white); opacity: 1; }
.article-hero__meta {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-bottom: 20px;
}
.article-hero__tag {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  background: rgba(124,179,66,0.2);
  border: 1px solid rgba(124,179,66,0.3);
  color: var(--green-light);
  padding: 5px 12px;
  border-radius: 980px;
}
.article-hero__date { font-size: 13px; color: rgba(255,255,255,0.4); }
.article-hero__title {
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 16px;
}
.article-hero__subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.6;
}

.article-body {
  max-width: 800px;
  margin: 0 auto;
  padding: 60px var(--gutter);
}
.article-body h2 {
  font-size: 1.65rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--dark);
  margin: 40px 0 16px;
  line-height: 1.25;
}
.article-body h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--dark);
  margin: 28px 0 12px;
}
.article-body p {
  font-size: 1rem;
  line-height: 1.8;
  color: #3a3a3a;
  margin-bottom: 20px;
}
.article-body ul, .article-body ol {
  margin: 0 0 20px 20px;
  list-style: revert;
}
.article-body li {
  font-size: 1rem;
  line-height: 1.75;
  color: #3a3a3a;
  margin-bottom: 8px;
}
.article-body strong { color: var(--dark); font-weight: 700; }
.article-body a { color: var(--green-mid); font-weight: 500; }
.article-body a:hover { text-decoration: underline; }

.article-stat-block {
  background: var(--green-pale);
  border-left: 4px solid var(--green-lime);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin: 28px 0;
}
.article-stat-block p {
  font-size: 15px;
  color: var(--green-deep);
  font-weight: 600;
  margin: 0;
  line-height: 1.5;
}

.article-cta-box {
  background: var(--gradient-hero);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  text-align: center;
  margin: 48px 0;
}
.article-cta-box h3 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 10px;
}
.article-cta-box p {
  color: rgba(255,255,255,0.65);
  font-size: 14px;
  margin-bottom: 20px;
}

/* =========================================================================
   FOUNDER
   ========================================================================= */
.founder-hero {
  background: var(--gradient-hero);
  min-height: 80vh;
  display: flex;
  align-items: flex-end;
  padding-top: 64px;
  position: relative;
  overflow: hidden;
}
.founder-hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: end;
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 80px var(--gutter) 0;
  position: relative;
  z-index: 1;
}
.founder-hero__content { padding-bottom: 80px; }
.founder-hero__photo {
  display: flex;
  justify-content: center;
  align-items: center;
  padding: 40px 0 60px;
}
/* Real founder photo — clean centered portrait, no background */
.founder-photo-real {
  width: 300px;
  height: 360px;
  object-fit: cover;
  object-position: center 10%;
  border-radius: var(--radius-xl);
  display: block;
  box-shadow: 0 24px 80px rgba(0,0,0,0.55), 0 0 0 3px rgba(255,255,255,0.12);
  background: transparent;
}
.founder-placeholder {
  width: 380px;
  height: 500px;
  background: linear-gradient(180deg, rgba(255,255,255,0.08), rgba(255,255,255,0.03));
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 6rem;
  backdrop-filter: blur(10px);
}

.founder-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-top: 36px;
}
.founder-stat {
  padding: 20px;
  background: rgba(255,255,255,0.04);
  text-align: center;
}
.founder-stat__num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--green-light);
  letter-spacing: -0.03em;
  display: block;
  line-height: 1;
  margin-bottom: 4px;
}
.founder-stat__label {
  font-size: 11px;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.timeline {
  position: relative;
  padding-left: 32px;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--green-mid), transparent);
}
.timeline__item {
  position: relative;
  margin-bottom: 36px;
}
.timeline__item::before {
  content: '';
  position: absolute;
  left: -36px;
  top: 8px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--green-mid);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 3px rgba(46,125,50,0.2);
}
.timeline__year {
  font-size: 12px;
  font-weight: 700;
  color: var(--green-mid);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.timeline__role {
  font-size: 16px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 2px;
}
.timeline__org {
  font-size: 14px;
  color: var(--grey-1);
}

/* =========================================================================
   CTA SECTION
   ========================================================================= */
.cta-section {
  background: var(--gradient-hero);
  padding: clamp(72px, 10vw, 120px) var(--gutter);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section__title {
  font-size: clamp(2rem, 4vw, 3.4rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--white);
  line-height: 1.15;
  max-width: 700px;
  margin: 0 auto 20px;
}
.cta-section__sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.65);
  max-width: 520px;
  margin: 0 auto 40px;
  line-height: 1.65;
}
.cta-section__btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.maestro-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 980px;
  padding: 10px 20px;
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  margin-top: 24px;
}
.maestro-badge a { color: var(--green-light); font-weight: 600; }
.maestro-badge a:hover { opacity: 1; text-decoration: underline; }

/* =========================================================================
   FOOTER
   ========================================================================= */
.footer {
  background: var(--black);
  padding: 72px var(--gutter) 40px;
  color: rgba(255,255,255,0.5);
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 60px;
  margin-bottom: 56px;
}
.footer__brand-logo {
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.03em;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.footer__brand-mark {
  width: 32px; height: 32px;
  background: var(--gradient-card);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 800;
  color: var(--white);
}
.footer__tagline {
  font-size: 13px;
  line-height: 1.7;
  margin-bottom: 20px;
  max-width: 280px;
}
.footer__maestro {
  font-size: 12px;
  color: rgba(255,255,255,0.3);
}
.footer__maestro a { color: var(--green-lime); }
.footer__maestro a:hover { opacity: 1; }

.footer__heading {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: 16px;
}
.footer__links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer__links a {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer__links a:hover { color: var(--white); opacity: 1; }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.footer__copy { font-size: 13px; }
.footer__legal {
  display: flex;
  gap: 20px;
}
.footer__legal a { font-size: 13px; color: rgba(255,255,255,0.4); }
.footer__legal a:hover { color: rgba(255,255,255,0.7); opacity: 1; }

/* =========================================================================
   JAMAICAN PHRASE BADGE
   ========================================================================= */
.jm-phrase {
  display: inline-block;
  background: linear-gradient(90deg, #558B2F, #7CB342);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 6px 14px;
  border-radius: 980px;
  text-transform: uppercase;
}

/* =========================================================================
   COUNTRY FLAGS ROW
   ========================================================================= */
.country-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  align-items: center;
  margin: 16px 0;
}
.country-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: var(--grey-bg);
  border: 1px solid var(--grey-3);
  border-radius: 980px;
  font-size: 12px;
  font-weight: 500;
  color: var(--dark);
  transition: background 0.2s, border-color 0.2s;
}
.country-chip:hover { background: var(--green-pale); border-color: var(--green-light); }

/* =========================================================================
   RESPONSIVE
   ========================================================================= */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-strip__inner { grid-template-columns: repeat(2, 1fr); }
  .hero__inner { grid-template-columns: 1fr; gap: 40px; }
  .hero__visual { display: none; }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .blog-grid--4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav__links { display: none; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--grey-3); padding: 20px var(--gutter); gap: 4px; box-shadow: var(--shadow-md); }
  .nav__links.open { display: flex; }
  .nav__links a { padding: 12px 14px; border-radius: var(--radius-sm); }
  .nav__toggle { display: flex; }

  .features-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .process-steps::before { display: none; }
  .blog-grid { grid-template-columns: 1fr; }
  .blog-grid--2 { grid-template-columns: 1fr; }
  .blog-grid--4 { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .calc-grid { grid-template-columns: 1fr; }
  .score-breakdown { grid-template-columns: 1fr 1fr; }
  .founder-hero__inner { grid-template-columns: 1fr; }
  .founder-hero__photo { display: none; }
  .founder-stats { grid-template-columns: repeat(3, 1fr); }
  .stats-strip__inner { grid-template-columns: repeat(2, 1fr); }
  .calculator-body { padding: 28px 24px; }
  .hero__inner { padding: 60px var(--gutter) 60px; }
}

@media (max-width: 480px) {
  .process-steps { grid-template-columns: 1fr; }
  .stats-strip__inner { grid-template-columns: 1fr; }
  .score-breakdown { grid-template-columns: 1fr; }
  .founder-stats { grid-template-columns: 1fr; }
  .hero__ctas { flex-direction: column; }
  .cta-section__btns { flex-direction: column; align-items: center; }
}