/* CreditJunction4U — marketplace design system (v4) */
:root{
  --blue:#1548C2;--blue-700:#0F3A9E;--blue-50:#EEF3FF;--blue-100:#DCE6FF;--navy:#0B1F4D;
  --orange:#FF7A1A;--orange-600:#E96A0E;--orange-50:#FFF2E8;
  --green:#12873F;--green-50:#E8F6EC;
  --t900:#111827;--t700:#374151;--t500:#6B7280;--t400:#9CA3AF;--b200:#E5E7EB;--b100:#F3F4F6;--bg:#F6F8FC;
  --head:"Poppins",system-ui,sans-serif;--body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --r:14px;--r-sm:10px;--max:1200px;
  --sh:0 1px 2px rgba(17,24,39,.06),0 1px 3px rgba(17,24,39,.08);--sh2:0 10px 30px -12px rgba(11,31,77,.25);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--t900);font-family:var(--body);font-size:16px;line-height:1.6}
img,svg{max-width:100%}
a{color:var(--blue)}
h1,h2,h3,h4{font-family:var(--head);font-weight:600;line-height:1.2;margin:0 0 .5em;color:var(--t900)}
h1{font-size:clamp(2rem,4vw,3rem);font-weight:700}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem)}
h3{font-size:1.1rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:.95rem;padding:0 22px;height:46px;border-radius:var(--r-sm);text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .15s,box-shadow .15s;white-space:nowrap;font-family:var(--body)}
.btn-primary{background:var(--orange);color:#fff}
.btn-primary:hover{background:var(--orange-600);box-shadow:0 6px 16px -6px rgba(255,122,26,.7)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-700)}
.btn-ghost{background:#fff;color:var(--blue);border-color:var(--blue-100)}
.btn-ghost:hover{background:var(--blue-50)}
.btn-light{background:#fff;color:var(--blue)}
.btn-sm{height:38px;padding:0 16px;font-size:.88rem}
/* top bar + header */
.utility{background:var(--navy);color:rgba(255,255,255,.85);font-size:.78rem}
.utility .wrap{display:flex;justify-content:space-between;align-items:center;height:32px}
.utility a{color:#fff;text-decoration:none}
.utility span+span{margin-left:18px}
.top{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--b200);box-shadow:var(--sh)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--t900);font-family:var(--head);font-weight:700;font-size:1.15rem}
.brand img{width:34px;height:34px}
.brand b{color:var(--orange);font-weight:700}
.nav{display:flex;align-items:center;gap:2px}
.nav>a,.nav .dd>a{text-decoration:none;color:var(--t700);font-weight:500;font-size:.92rem;padding:10px 12px;border-radius:var(--r-sm);display:inline-flex;align-items:center;gap:4px}
.nav>a:hover,.nav .dd>a:hover,.nav>a[aria-current]{color:var(--blue);background:var(--blue-50)}
.dd{position:relative}
.dd>a::after{content:"";width:8px;height:8px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);margin-left:4px}
.dd-menu{position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--b200);border-radius:var(--r);box-shadow:var(--sh2);padding:8px;display:none;z-index:60}
.dd:hover .dd-menu,.dd.open .dd-menu{display:block}
.dd-menu a{display:flex;gap:12px;align-items:center;padding:10px 12px;border-radius:var(--r-sm);text-decoration:none;color:var(--t900);font-size:.92rem}
.dd-menu a:hover{background:var(--blue-50)}
.dd-menu a small{display:block;color:var(--t500);font-size:.78rem;font-weight:400}
.dd-menu .mi{width:34px;height:34px;border-radius:9px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;flex:none}
.dd-menu .mi svg{width:18px;height:18px}
.nav .btn{margin-left:10px;height:40px;color:#fff}
.nav .btn:hover{color:#fff}
.menu-btn{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu-btn span{display:block;width:22px;height:2px;background:var(--t700);margin:5px 0;border-radius:2px}
@media (max-width:960px){
  .utility{display:none}
  .menu-btn{display:block}
  .nav{position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--b200);padding:8px 16px 16px;display:none;box-shadow:var(--sh2);max-height:calc(100vh - 68px);overflow:auto}
  .nav.open{display:flex}
  .nav>a,.nav .dd>a{padding:12px}
  .dd-menu{position:static;box-shadow:none;border:0;padding:0 0 0 12px;min-width:0}
  .nav .btn{margin:10px 0 0}
}
/* hero */
.hero{background:linear-gradient(135deg,#0B1F4D 0%,#1548C2 60%,#2E6BFF 100%);color:#fff;padding:56px 0 0;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-10%;top:-30%;width:60%;aspect-ratio:1;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.12),transparent 65%);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end;position:relative}
.hero h1{color:#fff;margin-bottom:14px}
.hero p.lead{font-size:1.12rem;color:rgba(255,255,255,.86);max-width:560px}
.hero .ticks{display:flex;flex-wrap:wrap;gap:8px 22px;padding:0;margin:20px 0 28px;list-style:none;font-size:.9rem;font-weight:500}
.hero .ticks li::before{content:"✓";display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;background:#fff;color:var(--blue);font-size:.7rem;font-weight:700;margin-right:8px}
.tabs{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-bottom:-36px;position:relative;z-index:2}
.tab{background:#fff;color:var(--t900);text-decoration:none;border-radius:var(--r);padding:16px 10px 14px;text-align:center;box-shadow:var(--sh2);font-weight:600;font-size:.86rem;transition:transform .15s}
.tab:hover{transform:translateY(-3px)}
.tab .ti{width:40px;height:40px;border-radius:12px;background:var(--orange-50);color:var(--orange);display:grid;place-items:center;margin:0 auto 10px}
.tab .ti svg{width:22px;height:22px}
.tab small{display:block;color:var(--t500);font-weight:400;font-size:.76rem;margin-top:3px}
.tab.active .ti,.tab:nth-child(2n) .ti{background:var(--blue-50);color:var(--blue)}
.tabs-wrap{padding-bottom:36px}
@media (max-width:960px){.hero{padding-top:36px}.hero .wrap{grid-template-columns:1fr;gap:20px}.tabs{grid-template-columns:repeat(2,1fr);margin-bottom:0}.tab:last-child{grid-column:span 2}.phone{width:280px;margin:8px auto 28px}.tabs-wrap{padding-bottom:0}}
/* phone mockup */
.phone{width:300px;justify-self:center;background:#0B1F4D;border-radius:38px;padding:12px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6);border:1px solid rgba(255,255,255,.15);margin-bottom:-20px}
.phone .scr{background:#fff;border-radius:28px;overflow:hidden;color:var(--t900)}
.phone .notch{height:26px;display:grid;place-items:center}
.phone .notch i{width:90px;height:8px;border-radius:8px;background:#0B1F4D}
.phone .app{padding:8px 16px 18px;font-size:.78rem}
.phone .app .ah{display:flex;justify-content:space-between;align-items:center;font-weight:600;margin-bottom:12px}
.phone .app .ah span{color:var(--green);background:var(--green-50);padding:2px 8px;border-radius:999px;font-size:.68rem}
.phone .amt{background:var(--blue-50);border-radius:12px;padding:12px;margin-bottom:12px}
.phone .amt small{color:var(--t500);display:block}
.phone .amt b{font-family:var(--head);font-size:1.4rem;color:var(--blue)}
.phone .pbar{height:6px;border-radius:6px;background:var(--b200);margin-top:8px;overflow:hidden}
.phone .pbar i{display:block;height:100%;width:64%;background:var(--blue);border-radius:6px}
.phone .fld{border:1px solid var(--b200);border-radius:10px;padding:9px 10px;margin-bottom:8px;color:var(--t500);display:flex;justify-content:space-between}
.phone .fld b{color:var(--t900);font-weight:500}
.phone .fld.ok{border-color:var(--green);color:var(--green)}
.phone .go{background:var(--orange);color:#fff;border-radius:10px;text-align:center;padding:10px;font-weight:600;margin-top:4px}
.phone .offers{margin-top:10px;display:grid;gap:6px}
.phone .of{display:flex;justify-content:space-between;align-items:center;border:1px solid var(--b200);border-radius:10px;padding:8px 10px}
.phone .of b{display:block;font-weight:600;font-size:.76rem}
.phone .of small{color:var(--t500);font-size:.68rem}
.phone .of em{font-style:normal;color:var(--blue);font-weight:600;font-size:.72rem}
/* trust strip */
.strip{background:#fff;border-bottom:1px solid var(--b200)}
.strip .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;padding:18px 20px;font-size:.9rem;color:var(--t700);font-weight:500}
.strip span::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--green);margin-right:10px;vertical-align:middle}
/* sections */
section{padding:64px 0}
section.alt{background:var(--bg)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:28px;flex-wrap:wrap}
.sec-head p{color:var(--t500);margin:0;max-width:640px}
.sec-head a.more{font-weight:600;text-decoration:none;white-space:nowrap}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.g3,.g4{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--b200);border-radius:var(--r);padding:22px;box-shadow:var(--sh);transition:box-shadow .2s,transform .2s;display:flex;flex-direction:column}
.card:hover{box-shadow:var(--sh2);transform:translateY(-2px)}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;margin-bottom:14px}
.card .ic.o{background:var(--orange-50);color:var(--orange)}
.card .ic svg{width:24px;height:24px}
.card p{color:var(--t500);margin:0 0 12px;font-size:.92rem}
.card ul{list-style:none;padding:0;margin:0 0 16px;color:var(--t700);font-size:.88rem}
.card li{padding:4px 0 4px 20px;position:relative}
.card li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}
.card .rate{font-size:.82rem;color:var(--t500);margin-bottom:14px}
.card .rate b{color:var(--t900);font-size:1rem;font-family:var(--head)}
.card .cta{margin-top:auto;display:flex;gap:10px;align-items:center}
.card .cta a.link{font-weight:600;font-size:.88rem;text-decoration:none}
/* partners */
.partners{display:flex;flex-wrap:wrap;gap:12px}
.pt{flex:1 1 160px;background:#fff;border:1px solid var(--b200);border-radius:var(--r-sm);padding:16px 14px;text-align:center;font-family:var(--head);font-weight:600;color:var(--t700);font-size:.95rem}
.pt small{display:block;font-family:var(--body);font-weight:400;color:var(--t400);font-size:.72rem;margin-top:2px}
.pt.more{color:var(--blue);background:var(--blue-50);border-color:var(--blue-100)}
/* compare table */
.tbl{background:#fff;border:1px solid var(--b200);border-radius:var(--r);overflow:auto;box-shadow:var(--sh)}
.tbl table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:640px}
.tbl th{text-align:left;padding:14px 18px;background:var(--bg);color:var(--t500);font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.04em;border-bottom:1px solid var(--b200)}
.tbl td{padding:14px 18px;border-bottom:1px solid var(--b100);vertical-align:middle}
.tbl tr:last-child td{border-bottom:0}
.tbl td b{font-family:var(--head);font-weight:600}
.tbl .stars{color:#F59E0B;letter-spacing:1px;font-size:.85rem}
.tbl .tag{display:inline-block;font-size:.72rem;font-weight:600;padding:3px 8px;border-radius:999px;background:var(--green-50);color:var(--green)}
.tbl small{display:block;padding:12px 18px;color:var(--t500);font-size:.78rem;background:var(--bg);border-top:1px solid var(--b200)}
/* credit cards */
.cc{display:grid;grid-template-columns:140px 1fr;gap:18px;align-items:start}
.cc img{width:140px;border-radius:10px;box-shadow:var(--sh2)}
.cc h3{margin-bottom:4px}
.cc .fee{font-size:.82rem;color:var(--t500);margin-bottom:10px}
.cc .fee b{color:var(--green)}
@media (max-width:600px){.cc{grid-template-columns:1fr}.cc img{width:180px}}
/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat{background:#fff;border:1px solid var(--b200);border-radius:var(--r);padding:22px;text-align:center}
.stat b{display:block;font-family:var(--head);font-size:2rem;font-weight:700;color:var(--blue);line-height:1.1}
.stat span{display:block;color:var(--t500);font-size:.88rem;margin-top:6px}
@media (max-width:960px){.stats{grid-template-columns:1fr 1fr}}
/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{background:#fff;border:1px solid var(--b200);border-radius:var(--r);padding:22px;position:relative}
.step .n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;font-size:.9rem;margin-bottom:14px}
.step h3{font-size:1rem;margin-bottom:6px}
.step p{color:var(--t500);margin:0;font-size:.9rem}
@media (max-width:960px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.steps{grid-template-columns:1fr}}
/* blog cards */
.post{background:#fff;border:1px solid var(--b200);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--t900);display:flex;flex-direction:column;box-shadow:var(--sh);transition:box-shadow .2s}
.post:hover{box-shadow:var(--sh2)}
.post .ph{height:130px;background:linear-gradient(135deg,var(--blue-50),var(--blue-100));display:grid;place-items:center;color:var(--blue)}
.post .ph svg{width:44px;height:44px}
.post .pb{padding:18px}
.post .cat{font-size:.72rem;font-weight:600;color:var(--orange);text-transform:uppercase;letter-spacing:.05em}
.post h3{font-size:1rem;margin:6px 0 8px}
.post p{color:var(--t500);font-size:.88rem;margin:0}
.post time{display:block;color:var(--t400);font-size:.78rem;margin-top:12px}
/* table-card (example) */
.table-card{background:#fff;border:1px solid var(--b200);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
.table-card h3{padding:16px 22px;margin:0;border-bottom:1px solid var(--b200);font-size:1rem}
.table-card table{width:100%;border-collapse:collapse;font-size:.93rem}
.table-card td{padding:11px 22px;border-bottom:1px solid var(--b100);color:var(--t700)}
.table-card td:last-child{text-align:right;color:var(--t900);font-weight:600}
.table-card tr:last-child td{border-bottom:0}
.table-card tr.total td{background:var(--bg);font-weight:600}
.table-card small{display:block;padding:12px 22px;color:var(--t500);font-size:.78rem;border-top:1px solid var(--b200);background:var(--bg)}
/* faq */
details{background:#fff;border:1px solid var(--b200);border-radius:var(--r-sm);padding:16px 20px;margin-bottom:10px}
summary{font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--blue);font-size:1.3rem;line-height:1;flex:none}
details[open] summary::after{content:"–"}
details p{color:var(--t700);margin:.7em 0 0;font-size:.95rem}
/* band */
.band{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:var(--r);padding:40px 44px;display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.band h2{color:#fff;margin:0}
.band p{color:rgba(255,255,255,.8);margin:.4em 0 0}
/* calculators */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:20px;align-items:start}
@media (max-width:960px){.calc{grid-template-columns:1fr}}
.field{margin-bottom:22px}
.field label{display:flex;justify-content:space-between;font-weight:500;margin-bottom:8px;color:var(--t700);font-size:.95rem}
.field output,.field .val{color:var(--blue);font-weight:600}
.field input[type=range]{width:100%;accent-color:var(--blue)}
.result{background:var(--navy);color:#fff;border-radius:var(--r);padding:26px}
.result .big{font-family:var(--head);font-size:2.3rem;font-weight:700;color:#fff;line-height:1.1}
.result .row{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.14);padding:11px 0;color:rgba(255,255,255,.8);font-size:.95rem}
.result .row b{color:#fff}
.bar{display:flex;height:10px;border-radius:999px;overflow:hidden;margin:14px 0 8px;background:rgba(255,255,255,.15)}
.bar i{display:block;background:#9EC5FF}.bar i+i{background:var(--orange)}
.legend{display:flex;gap:16px;font-size:.85rem;color:rgba(255,255,255,.8)}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:3px;background:#9EC5FF;margin-right:6px}
.legend span+span::before{background:var(--orange)}
.result p{color:rgba(255,255,255,.7);font-size:.82rem}
.note{background:var(--blue-50);border-left:3px solid var(--blue);padding:12px 16px;border-radius:var(--r-sm);font-size:.92rem}
.warn{background:var(--orange-50);border-left:3px solid var(--orange);padding:12px 16px;border-radius:var(--r-sm);font-size:.92rem}
/* page head + prose */
.page-head{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;padding:52px 0 44px}
.page-head h1,.page-head .eyebrow{color:#fff}
.page-head .eyebrow{color:#9EC5FF}
.page-head p{color:rgba(255,255,255,.85);max-width:720px;font-size:1.05rem}
.page-head .btn-primary{margin-top:6px}
.crumbs{font-size:.8rem;color:rgba(255,255,255,.7);margin-bottom:14px}
.crumbs a{color:#fff;text-decoration:none}
.prose{max-width:800px}
.prose h2{font-size:1.35rem;margin-top:2em}
.prose h3{margin-top:1.5em}
.prose li{margin-bottom:.4em;color:var(--t700)}
.prose p{color:var(--t700)}
.prose table{width:100%;border-collapse:collapse;font-size:.93rem;margin:1em 0}
.prose th,.prose td{text-align:left;padding:10px 12px;border:1px solid var(--b200)}
.prose th{background:var(--bg)}
.side{position:sticky;top:90px}
.two{display:grid;grid-template-columns:1fr 320px;gap:32px;align-items:start}
@media (max-width:960px){.two{grid-template-columns:1fr}.side{position:static}}
/* footer */
footer{background:var(--navy);color:rgba(255,255,255,.72);padding:52px 0 28px;margin-top:40px;font-size:.88rem}
footer a{color:rgba(255,255,255,.72);text-decoration:none}
footer a:hover{color:#fff}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:28px}
@media (max-width:960px){.f-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.f-grid{grid-template-columns:1fr}}
footer h4{color:#fff;font-size:.85rem;margin:0 0 12px;font-family:var(--body);font-weight:600}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:9px}
footer .brand{color:#fff;margin-bottom:12px}
.f-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:.76rem;line-height:1.7;color:rgba(255,255,255,.55)}
.sticky-cta{display:none}
@media (max-width:600px){
  .sticky-cta{display:flex;position:fixed;left:14px;right:14px;bottom:14px;z-index:60;box-shadow:0 10px 30px -8px rgba(0,0,0,.4)}
  body.has-sticky{padding-bottom:80px}
}
.rv{opacity:1;transform:none}