/* VaydaCredit 108 — focused, white-first personal credit support landing page. */
:root {
  --credit-ink: #17140e;
  --credit-muted: #625d54;
  --credit-paper: #ffffff;
  --credit-soft: #f8f6f1;
  --credit-gold: #d9b85d;
  --credit-gold-dark: #765313;
  --credit-green: #1c704c;
  --credit-blue: #eaf4f6;
  --credit-line: rgba(70, 55, 27, .16);
  --credit-shadow: 0 20px 58px rgba(44, 34, 17, .09);
  --credit-max: 1240px;
}

.vcredit-page,
.vcredit-page * { box-sizing: border-box; }
.vcredit-page { background: #fff !important; }
.vcredit-shell { width: min(var(--credit-max), calc(100% - 48px)); margin-inline: auto; }
.vcredit-main { color: var(--credit-ink); overflow: hidden; }
.vcredit-main h1,
.vcredit-main h2,
.vcredit-main h3 { color: var(--credit-ink) !important; }
.vcredit-main p { color: var(--credit-muted) !important; }
.vcredit-main .breadcrumbs { padding: 18px 0 0 !important; }
.vcredit-main .eyebrow { color: var(--credit-gold-dark) !important; }

.vcredit-hero {
  position: relative;
  padding: clamp(24px, 4vw, 58px) 0 clamp(54px, 7vw, 88px);
  background:
    radial-gradient(circle at 10% 10%, rgba(217, 184, 93, .22), transparent 27%),
    radial-gradient(circle at 88% 18%, rgba(79, 149, 160, .13), transparent 24%),
    linear-gradient(145deg, #fff 0%, #fdfbf6 58%, #f3ead3 100%);
}
.vcredit-hero::before {
  content: "";
  position: absolute;
  width: 430px;
  height: 430px;
  right: -220px;
  top: -190px;
  border: 1px solid rgba(118, 83, 19, .15);
  border-radius: 50%;
  box-shadow: 0 0 0 80px rgba(217, 184, 93, .035), 0 0 0 160px rgba(217, 184, 93, .02);
  pointer-events: none;
}
.vcredit-hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(390px, .72fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
}
.vcredit-hero-copy { max-width: 760px; padding: 28px 0; }
.vcredit-lockup { display: inline-flex; align-items: center; gap: 12px; margin-bottom: 34px; }
.vcredit-lockup > span {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border: 1px solid rgba(118, 83, 19, .28);
  border-radius: 12px;
  color: #fff;
  background: var(--credit-ink);
  font-size: 18px;
  font-weight: 950;
}
.vcredit-lockup strong { font-size: 20px; letter-spacing: -.035em; }
.vcredit-hero h1 {
  max-width: 740px;
  margin: 14px 0 22px;
  font-size: clamp(48px, 6.2vw, 86px) !important;
  font-weight: 950;
  line-height: .93;
  letter-spacing: -.072em;
}
.vcredit-lead { max-width: 700px; margin: 0; font-size: clamp(17px, 1.8vw, 21px); line-height: 1.65; }
.vcredit-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.vcredit-proof { display: flex; flex-wrap: wrap; gap: 9px; margin: 24px 0 0; padding: 0; list-style: none; }
.vcredit-proof li {
  border: 1px solid var(--credit-line);
  border-radius: 999px;
  padding: 8px 11px;
  color: #554c3d;
  background: rgba(255, 255, 255, .74);
  font-size: 12px;
  font-weight: 850;
}
.vcredit-proof li::before { content: "✓"; margin-right: 7px; color: var(--credit-green); }

.vcredit-intake {
  position: relative;
  border: 1px solid rgba(118, 83, 19, .26);
  border-radius: 22px;
  padding: clamp(24px, 3vw, 34px);
  background: rgba(255, 255, 255, .96);
  box-shadow: 12px 12px 0 rgba(217, 184, 93, .42), var(--credit-shadow);
}
.vcredit-private-label {
  position: absolute;
  top: 18px;
  right: 20px;
  margin: 0 !important;
  color: var(--credit-green);
  font-size: 9px;
  font-weight: 950;
  letter-spacing: .11em;
  text-transform: uppercase;
}
.vcredit-intake h2 { max-width: 390px; margin: 8px 0 8px; font-size: clamp(29px, 3vw, 40px); line-height: 1.02; letter-spacing: -.045em; }
.vcredit-intake > p:not(.eyebrow) { margin: 0 0 22px; font-size: 14px; line-height: 1.55; }
.vcredit-intake .field { margin-bottom: 13px; }
.vcredit-intake label { color: #454038 !important; font-size: 10px !important; font-weight: 950 !important; letter-spacing: .1em !important; }
.vcredit-intake input,
.vcredit-intake select {
  min-height: 50px;
  border: 1px solid #d8d0c2 !important;
  border-radius: 11px !important;
  color: var(--credit-ink) !important;
  background: #fff !important;
  font-size: 16px !important;
}
.vcredit-intake input:focus,
.vcredit-intake select:focus { outline: 3px solid rgba(217, 184, 93, .24) !important; border-color: var(--credit-gold-dark) !important; }
.vcredit-field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.vcredit-submit { width: 100%; margin-top: 2px; }
.vcredit-privacy { margin: 12px 0 0 !important; font-size: 11px; line-height: 1.5; }
.vcredit-intake .alert { margin-bottom: 0; font-size: 13px; }

.vcredit-strip { border-block: 1px solid var(--credit-line); background: #fff; }
.vcredit-strip .vcredit-shell { display: grid; grid-template-columns: repeat(4, 1fr); }
.vcredit-strip .vcredit-shell > div { min-height: 102px; border-right: 1px solid var(--credit-line); padding: 22px 24px; }
.vcredit-strip .vcredit-shell > div:first-child { border-left: 1px solid var(--credit-line); }
.vcredit-strip strong,
.vcredit-strip span { display: block; }
.vcredit-strip strong { color: var(--credit-gold-dark); font-size: 13px; letter-spacing: .08em; text-transform: uppercase; }
.vcredit-strip span { margin-top: 7px; color: var(--credit-muted); font-size: 14px; }

.vcredit-section { padding: clamp(62px, 8vw, 108px) 0; background: #fff; }
.vcredit-section-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(340px, .8fr); gap: 30px 70px; align-items: end; margin-bottom: 34px; }
.vcredit-section-head .eyebrow { grid-column: 1 / -1; margin-bottom: -18px; }
.vcredit-section-head h2,
.vcredit-standard-grid h2,
.vcredit-final h2,
.vcredit-disclosure h2 { margin: 0; font-size: clamp(38px, 5vw, 66px); line-height: .96; letter-spacing: -.06em; }
.vcredit-section-head > p:last-child { max-width: 570px; margin: 0; font-size: 17px; line-height: 1.7; }
.vcredit-card-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.vcredit-card-grid article {
  min-height: 280px;
  border: 1px solid var(--credit-line);
  border-radius: 18px;
  padding: 24px;
  background: #fff;
  box-shadow: 0 14px 42px rgba(44, 34, 17, .065);
}
.vcredit-card-grid article:nth-child(2),
.vcredit-card-grid article:nth-child(4) { background: #fbf8f0; }
.vcredit-card-grid article > span { color: var(--credit-gold-dark); font-size: 11px; font-weight: 950; letter-spacing: .12em; }
.vcredit-card-grid h3 { margin: 62px 0 12px; font-size: 24px; line-height: 1.04; letter-spacing: -.035em; }
.vcredit-card-grid p { margin: 0; font-size: 15px; line-height: 1.66; }

.vcredit-process { border-block: 1px solid var(--credit-line); background: var(--credit-soft); }
.vcredit-timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin: 0; padding: 0; list-style: none; counter-reset: none; }
.vcredit-timeline li { position: relative; display: block; min-height: 244px; border: 1px solid var(--credit-line); border-right: 0; padding: 24px; background: #fff !important; box-shadow: none !important; }
.vcredit-timeline li:last-child { border-right: 1px solid var(--credit-line); }
.vcredit-timeline li::after { content: ""; position: absolute; left: 24px; right: 24px; top: 48px; height: 1px; background: rgba(118, 83, 19, .2); }
.vcredit-timeline li > span { position: relative; z-index: 1; display: grid; width: 48px; height: 48px; place-items: center; border: 1px solid rgba(118, 83, 19, .28); border-radius: 50%; color: #fff; background: var(--credit-ink); font-size: 15px; font-weight: 950; }
.vcredit-timeline h3 { margin: 38px 0 10px; font-size: 21px; letter-spacing: -.025em; }
.vcredit-timeline p { margin: 0; font-size: 14px; line-height: 1.65; }

.vcredit-standard-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, .72fr); gap: clamp(34px, 7vw, 100px); align-items: center; }
.vcredit-standard-grid > div:first-child > p:not(.eyebrow) { max-width: 650px; margin: 24px 0 18px; font-size: 18px; line-height: 1.72; }
.vcredit-text-link { display: inline-block; margin-top: 10px; color: var(--credit-gold-dark); font-size: 13px; font-weight: 950; letter-spacing: .09em; text-transform: uppercase; }
.vcredit-never { border: 1px solid var(--credit-line); border-radius: 20px; padding: 30px; background: var(--credit-blue); box-shadow: 10px 10px 0 rgba(79, 149, 160, .15); }
.vcredit-never h3 { margin: 0 0 18px; font-size: 24px; letter-spacing: -.035em; }
.vcredit-never ul { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.vcredit-never li { position: relative; border-top: 1px solid rgba(28, 112, 76, .15); padding: 13px 0 0 28px; color: #37453f; line-height: 1.45; }
.vcredit-never li::before { content: "×"; position: absolute; left: 2px; color: #a34839; font-size: 20px; font-weight: 950; }

.vcredit-faq { border-top: 1px solid var(--credit-line); background: #fff; }
.vcredit-faq-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.vcredit-faq-list details { border: 1px solid var(--credit-line); border-radius: 14px; background: #fff; }
.vcredit-faq-list summary { position: relative; cursor: pointer; list-style: none; padding: 19px 54px 19px 19px; color: var(--credit-ink); font-size: 16px; font-weight: 900; line-height: 1.35; }
.vcredit-faq-list summary::-webkit-details-marker { display: none; }
.vcredit-faq-list summary::after { content: "+"; position: absolute; right: 20px; top: 15px; color: var(--credit-gold-dark); font-size: 26px; }
.vcredit-faq-list details[open] summary::after { content: "−"; }
.vcredit-faq-list details p { margin: 0; padding: 0 19px 20px; font-size: 15px; line-height: 1.7; }

.vcredit-disclosure { border-block: 1px solid rgba(118, 83, 19, .22); padding: 34px 0; background: #fbf6e9; }
.vcredit-disclosure .vcredit-shell { display: grid; grid-template-columns: 210px 1fr; gap: 12px 44px; }
.vcredit-disclosure h2 { grid-row: 1 / 3; font-size: 30px; }
.vcredit-disclosure p { margin: 0; font-size: 13px; line-height: 1.68; }
.vcredit-disclosure strong { color: var(--credit-ink); }

.vcredit-final { padding: clamp(54px, 7vw, 88px) 0; background: #fff; }
.vcredit-final .vcredit-shell { display: flex; align-items: center; justify-content: space-between; gap: 34px; }
.vcredit-final h2 { max-width: 780px; font-size: clamp(38px, 5vw, 64px); }
.vcredit-final p:not(.eyebrow) { margin: 14px 0 0; font-size: 17px; }
.vcredit-final .btn { flex: 0 0 auto; }

.service-directory .promoted-service { border-color: rgba(118, 83, 19, .38) !important; background: linear-gradient(145deg, #fff, #fbf3de) !important; box-shadow: 8px 8px 0 rgba(217, 184, 93, .28) !important; }
.vcredit-page :focus-visible { outline: 3px solid var(--credit-gold); outline-offset: 3px; }

@media (max-width: 1040px) {
  .vcredit-hero-grid { grid-template-columns: 1fr; }
  .vcredit-hero-copy { max-width: 880px; padding-bottom: 0; }
  .vcredit-intake { max-width: 780px; }
  .vcredit-card-grid { grid-template-columns: 1fr 1fr; }
  .vcredit-card-grid article { min-height: 230px; }
  .vcredit-timeline { grid-template-columns: 1fr 1fr; gap: 12px; }
  .vcredit-timeline li,
  .vcredit-timeline li:last-child { min-height: 220px; border: 1px solid var(--credit-line); border-radius: 16px; }
}

@media (max-width: 760px) {
  .vcredit-shell { width: min(100% - 28px, var(--credit-max)); }
  .vcredit-main .breadcrumbs { padding-top: 13px !important; }
  .vcredit-hero { padding-top: 16px; }
  .vcredit-lockup { margin-bottom: 28px; }
  .vcredit-hero h1 { font-size: clamp(43px, 13vw, 66px) !important; }
  .vcredit-actions { align-items: stretch; flex-direction: column; }
  .vcredit-actions .btn { width: 100%; }
  .vcredit-intake { border-radius: 18px; padding: 24px 20px; box-shadow: 7px 7px 0 rgba(217, 184, 93, .38), var(--credit-shadow); }
  .vcredit-private-label { position: static; display: block; margin: 0 0 16px !important; }
  .vcredit-field-row { grid-template-columns: 1fr; gap: 0; }
  .vcredit-strip .vcredit-shell { grid-template-columns: 1fr 1fr; }
  .vcredit-strip .vcredit-shell > div { min-height: 92px; border-bottom: 1px solid var(--credit-line); }
  .vcredit-strip .vcredit-shell > div:nth-child(2n) { border-right: 1px solid var(--credit-line); }
  .vcredit-strip .vcredit-shell > div:nth-last-child(-n+2) { border-bottom: 0; }
  .vcredit-section-head { grid-template-columns: 1fr; }
  .vcredit-section-head .eyebrow { grid-column: auto; margin-bottom: -12px; }
  .vcredit-section-head h2,
  .vcredit-standard-grid h2 { font-size: clamp(38px, 11vw, 55px); }
  .vcredit-card-grid { grid-template-columns: 1fr; }
  .vcredit-card-grid article { min-height: 205px; }
  .vcredit-card-grid h3 { margin-top: 42px; }
  .vcredit-timeline { grid-template-columns: 1fr; }
  .vcredit-timeline li { min-height: auto !important; }
  .vcredit-standard-grid { grid-template-columns: 1fr; }
  .vcredit-faq-list { grid-template-columns: 1fr; }
  .vcredit-disclosure .vcredit-shell { grid-template-columns: 1fr; }
  .vcredit-disclosure h2 { grid-row: auto; }
  .vcredit-disclosure p + p { margin-top: 9px; }
  .vcredit-final .vcredit-shell { align-items: stretch; flex-direction: column; }
  .vcredit-final .btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  .vcredit-page *, .vcredit-page *::before, .vcredit-page *::after { scroll-behavior: auto !important; transition: none !important; }
}