.elementor-4117 .elementor-element.elementor-element-c4a80c5 > .elementor-container > .elementor-column > .elementor-widget-wrap{align-content:flex-start;align-items:flex-start;}/* Start custom CSS for html, class: .elementor-element-00f964b */.elementor-location-header, #content .page-header,.elementor-location-footer {display:none!important}

.elementor-location-header, #content .page-header,.elementor-location-footer {display:none!important}
.elementor-kit-5 h2 {
color: var(--navy);
}
.elementor-kit-5 h1,
.elementor-kit-5 h2,
.elementor-kit-5 h3,
.elementor-kit-5 h4,
.elementor-kit-5 h5,
.elementor-kit-5 h6,
.elementor-kit-5 p,
.elementor-kit-5 a {
font-family: unset;
}

.elementor-kit-5 .page-content p {
margin-block-end: .5em!important;
}

.gform_wrapper.gravity-theme .gfield_description,
.elementor-kit-5 input:not([type="button"]):not([type="submit"]), 
.elementor-kit-5 textarea, 
.elementor-kit-5 .elementor-field-textual,
.elementor-kit-5 label {
color: #000!important;
}
.site-footer .footer-inner, .site-footer:not(.dynamic-footer), .site-header .header-inner, .site-header:not(.dynamic-header), body:not([class*=elementor-page-]) .site-main {
max-width: 100%;
}

.elementor-widget-social-icons:not(.elementor-grid-0):not(.elementor-grid-tablet-0):not(.elementor-grid-mobile-0) .elementor-grid {
    display: inline-grid;
}
.elementor-social-icons-wrapper.elementor-grid {
    grid-column-gap: var(20px,5px);
    grid-row-gap: var(0px,5px);
    grid-template-columns: repeat(6, auto);
    justify-content: var(initial,center);
    justify-items: var(initial,center);
}

.gform_heading {
    display: none;
}
.gform_wrapper.gravity-theme .gfield_required {
    color: #eb917d!important;
    font-size: 10px!important;
    padding-left: 3px!important;
    font-weight: 600!important;
}
.gfield input {
    font-size: 14px!important;
    font-weight: 600!important;
    border-radius: 6px;
}
.elementor-kit-5 input[type="submit"] {
    font-family: 'DM Sans', sans-serif !important;
    font-weight: 600 !important;
    border-radius: var(--r) !important;
    border: 2px solid transparent;
    cursor: pointer !important;
    text-decoration: none !important;
    transition: all 0.2s var(--ease);
    white-space: nowrap;
    letter-spacing: 0.001em !important;
    font-size: .8rem !important;
    padding: .75rem 1rem !important;
    min-height: 58px !important;
    background: var(--navy)!important;
    color: var(--white) !important;
    border-color: var(--navy) !important;
    box-shadow: var(--sh-gold) !important;
}
.elementor-kit-5 input[type="submit"]:hover {
    background: var(--gold)!important;
    border-color: var(--gold)!important;
    color: var(--white)!important;
    box-shadow: 0 12px 40px rgba(169,209,233,0.35)!important;
    transform: translateY(-1px)!important;
}
.elementor-kit-5 p {
    margin-block-end: 1em!important;
}
.gform_confirmation_message {
    text-align: center;
    line-height: 1.75;
}
.gform_wrapper.gravity-theme .gfield_label {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
}
.cta-form > .gform_wrapper.gravity-theme .gfield_label {
    color: var(--white)!important;
}


/* ============================================================
   DESIGN TOKENS
   ============================================================ */
:root {
  --navy:         #0B1F45;
  --navy-mid:     #153066;
  --navy-light:   #1E3A72;
  --blue:         #1D4ED8;
  --blue-light:   #3B70F0;
  --blue-pale:    #EEF3FF;
  --red:          #B91C1C;
  --red-mid:      #DC2626;
  --red-pale:     #FFF1F2;
  --red-border:   rgba(185,28,28,0.2);
  --amber:        #92400E;
  --amber-mid:    #B45309;
  --amber-pale:   #FFFBEB;
  --amber-border: rgba(146,64,14,0.2);
  --gold:         #B8892A;
  --gold-light:   #D4A84B;
  --gold-pale:    #FDF5E6;
  --green:        #166534;
  --green-mid:    #15803D;
  --green-pale:   #F0FDF4;
  --white:        #FFFFFF;
  --off-white:    #F8F9FC;
  --gray-50:      #F3F4F8;
  --gray-100:     #E8EAF0;
  --gray-200:     #CBD0DC;
  --gray-400:     #8492A6;
  --gray-600:     #4A5568;
  --gray-800:     #1A202C;

  --font-d: 'Fraunces', Georgia, serif;
  --font-b: 'DM Sans', system-ui, sans-serif;

  --r:    8px;
  --r-lg: 16px;
  --sh-sm:  0 2px 8px rgba(11,31,69,0.07);
  --sh-md:  0 6px 24px rgba(11,31,69,0.11);
  --sh-lg:  0 16px 48px rgba(11,31,69,0.15);
  --sh-xl:  0 32px 80px rgba(11,31,69,0.2);
  --ease: cubic-bezier(0.22,1,0.36,1);
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{font-size:18px;scroll-behavior:smooth;}
body{
  font-family:var(--font-b)!important;
  color:var(--gray-800);
  background:var(--white);
  line-height:1.68;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block;}
a{color:var(--blue);}
a:hover{color:var(--blue-light);}
p{margin-bottom:1rem;}
p:last-child{margin-bottom:0;}
h1,h2,h3,h4{
  font-family:var(--font-d)!important;
  line-height:1.08;
  letter-spacing:-0.015em;
  font-optical-sizing:auto;
  color:var(--navy)!important;
}
ul{list-style:none;padding:0;}
.skip-nav{
  position:absolute;top:-100px;left:1rem;
  background:var(--navy);color:var(--white);
  padding:.75rem 1.5rem;border-radius:var(--r);
  font-weight:700;font-size:.95rem;z-index:9999;
  transition:top .2s;
}
.skip-nav:focus{top:1rem;}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:3px;}

/* ============================================================
   LAYOUT
   ============================================================ */
.container{margin:0 auto;padding:0 2.5rem;}
.section{padding:5.5rem 2.5rem;}
.s-white{background:var(--white);}
.s-off{background:var(--off-white);}
.s-gray{background:var(--gray-50);}
.s-navy{background:var(--navy);}
.s-amber{background:var(--amber-pale);}

.kicker{
  display:inline-flex;align-items:center;gap:.6rem;
  font-size:.72rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--blue);margin-bottom:.9rem;
}
.kicker::before{content:'';display:block;width:20px;height:2px;background:currentColor;flex-shrink:0;}
.kicker.red{color:var(--red);}
.kicker.amber{color:var(--amber-mid);}
.kicker.white{color:rgba(255,255,255,.6);}
.kicker.green{color:var(--green-mid);}

.sh{font-size:clamp(1.9rem,3.5vw,3rem);font-weight:800;margin-bottom:1.25rem!important;margin-block-end:1.5em !important; font-optical-sizing:auto;}
.sh.light{color:var(--white);}
.sp{font-size:1.02rem;color:var(--gray-600);line-height:1.72;max-width:900px;}
.sp.light{color:rgba(255,255,255,.65);}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.45rem;
  font-family:var(--font-b)!important;font-size:1rem!important;font-weight:600!important;
  padding:.875rem 1.875rem!important;
  border-radius:var(--r);border:2px solid transparent;
  cursor:pointer;text-decoration:none;
  transition:all .2s var(--ease);
  white-space:nowrap;min-height:52px;letter-spacing:.01em;
}
.btn:active{transform:scale(.98);}
.btn-navy{background:var(--navy)!important;color:var(--white)!important;border-color:var(--navy)!important;box-shadow:0 4px 16px rgba(11,31,69,.28);}
.btn-navy:hover{background:var(--navy-mid)!important;border-color:var(--navy-mid)!important;color:var(--white)!important;box-shadow:0 8px 28px rgba(11,31,69,.38);transform:translateY(-1px);}
.btn-blue{background:var(--blue)!important;color:var(--white)!important;border-color:var(--blue)!important;box-shadow:0 4px 16px rgba(29,78,216,.28);}
.btn-blue:hover{background:var(--blue-light)!important;border-color:var(--blue-light)!important;color:var(--white)!important;transform:translateY(-1px);}
.btn-green{background:var(--green)!important;color:var(--white)!important;border-color:var(--green)!important;}
.btn-green:hover{background:var(--green-mid)!important;border-color:var(--green-mid)!important;color:var(--white)!important;transform:translateY(-1px);}
.btn-outline{background:transparent;color:var(--navy)!important;border-color:var(--navy)!important;}
.btn-outline:hover{background:var(--navy)!important;color:var(--white)!important;}
.btn-outline-white{background:transparent;color:var(--white)!important;border-color:rgba(255,255,255,.45)!important;}
.btn-outline-white:hover{background:rgba(255,255,255,.1)!important;border-color:var(--white)!important;color:var(--white)!important;}
.btn-lg{font-size:1.08rem;padding:1rem 2.25rem;min-height:58px;}
.btn-full{width:100%;}

/* ============================================================
   TOP STRIP
   ============================================================ */
.top-strip{
  background:var(--amber-mid);
  color:var(--white);
  text-align:center;
  padding:.5rem 1.5rem .65rem;
  font-size:.8rem;font-weight:600;
  letter-spacing:.0;
}
.top-strip a{color:var(--white);font-weight:700;font-size:.8rem;text-decoration:underline;}

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky;top:0;z-index:200;
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(16px);
  border-bottom:1px solid var(--gray-100);
  box-shadow:var(--sh-sm);
  height: 80px;
  padding: 0;
}
.header-inner{
  max-width:1450px;margin:0 auto;
  padding:0 2.5rem;
  display:flex;align-items:center;justify-content:space-between;
  gap:2rem;min-height:72px;
}
.logo-link{display:inline-flex;align-items:center;text-decoration:none;}
.logo-link img{height:60px;width:auto;}
.header-right{display:flex;align-items:center;gap:1.5rem;}
.live-pill{
  display:flex;align-items:center;gap:.45rem;
  font-size:.78rem;font-weight:600;color:var(--green);
  background:var(--green-pale);
  border:1px solid rgba(22,101,52,.2);
  padding:.3rem .8rem;border-radius:100px;
}
.live-dot{
  width:7px;height:7px;border-radius:50%;
  background:var(--green);
  animation:gpulse 2s ease-in-out infinite;
}
@keyframes gpulse{
  0%,100%{box-shadow:0 0 0 0 rgba(22,101,52,.4);}
  50%{box-shadow:0 0 0 5px rgba(22,101,52,0);}
}
.hdr-phone{
  font-family:var(--font-d);
  font-size:1.2rem;font-weight:800;
  color:var(--navy);text-decoration:none;
  letter-spacing:-.01em;font-optical-sizing:auto;
  display:flex;align-items:center;gap:.35rem;
  transition:color .15s;
}
.hdr-phone:hover{color:var(--blue);}
#hdr-cta{display:none;}

/* ============================================================
   HERO — light, 3-column: photo | content | form
   ============================================================ */
.hero{
  background:var(--white);
  border-bottom:3px solid var(--gray-100);
}
.hero-inner{
  max-width:margin:0 auto;
  display:grid;
  grid-template-columns:1fr 2fr 1fr;
  gap:0;align-items:stretch;
  min-height:70vh;
}

/* Photo column */
.hero-photo-col{position:relative;overflow:hidden;flex-shrink:0;}
.hero-photo-col img{
  width:100%;height:100%;
  object-fit:cover;object-position:center 25%;
  display:block;
}
.hero-photo-col::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(to right,transparent 65%,var(--white) 100%);
  pointer-events:none;
}
/* Credit score badge on photo */
.hero-score-badge{
  position:absolute;bottom:2rem;left:1.5rem;
  background:var(--white);
  border:1px solid var(--gray-100);
  border-radius:var(--r-lg);
  padding:1rem 1.25rem;
  box-shadow:var(--sh-md);
  z-index:2;
  min-width:180px;
}
.hsb-label{
  font-size:.68rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;
  color:var(--gray-400);margin-bottom:.35rem;
}
.hsb-score{
  font-family:var(--font-d);
  font-size:2.4rem;font-weight:800;
  color:var(--red);letter-spacing:-.03em;
  line-height:1;font-optical-sizing:auto;
  display:block;margin-bottom:.2rem;
}
.hsb-sub{font-size:.72rem;color:var(--gray-600);}
.hsb-bar{
  margin-top:.65rem;
  height:6px;background:var(--gray-100);
  border-radius:3px;overflow:hidden;
}
.hsb-fill{
  height:100%;width:28%;
  background:linear-gradient(to right,var(--red),#F87171);
  border-radius:3px;
}
.hsb-range{
  display:flex;justify-content:space-between;
  font-size:.62rem;color:var(--gray-400);
  margin-top:.3rem;
}

/* Content column */
.hero-content-col{
  padding:1.5rem 2rem;
  display:flex;flex-direction:column;justify-content:flex-start;
}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;
  background:var(--red-pale);
  border:1px solid var(--red-border);
  color:var(--red);
  font-size:.7rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;
  padding:.3rem .7rem;border-radius:100px;
  margin-bottom:.5rem;width:fit-content;
}
.hero h1{
  font-size:clamp(1.65rem,3vw,2rem);
  font-weight:800;color:var(--navy);
  line-height:1.06;margin-bottom:1rem;
  font-optical-sizing:auto;
  text-wrap: balance;
}
.hero h1 em{font-style:italic;color:var(--green);display:block;}
.elementor-kit-5 .page-content p.hero-lead{
  font-size:1rem;color:var(--gray-600);
  line-height:1.5;margin-bottom:1rem; margin-block-end: 1em !important;
}
.hero-lead strong{color:var(--navy);}
.hero-chips{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:2rem;}
.hchip{
  display:inline-flex;align-items:center;gap:.3rem;
  font-size:.8rem;font-weight:600;color:var(--navy);
  background:var(--blue-pale);
  border:1px solid rgba(29,78,216,.18);
  padding:.2rem .6rem;border-radius:100px;
}
.hchip-icon{color:var(--blue);font-size:.72rem;}
.hero-ctas{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;}
.hero-fn{font-size:.78rem;color:var(--gray-400);margin-top:.85rem;}

/* Form column */
.hero-form-col{
  border-left:1px solid var(--gray-100);
  background:var(--white);
  display:flex;align-items:flex-start;
}
.hero-form{
  width:100%;
  background:var(--white);
  border-radius:0;
  box-shadow:none;
  overflow:hidden;
  border-top:none;
}
.hf-bar{background:var(--navy);padding:1rem;}
.elementor-kit-5 .page-content p.hf-bar-h {
    font-family: var(--font-d);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--white);
    letter-spacing: -.01em;
    font-optical-sizing: auto;
    margin-bottom: 0rem;
    margin-block-end: .25em !important;
}
.elementor-kit-5 .page-content p.hf-bar-sub{font-size:.8rem;color:rgba(255,255,255,.6);margin-block-end: 0 !important;}
.hf-body{padding:1.75rem 2rem 2rem;}
.hf-field{margin-bottom:1rem;}
.hf-field label{
  display:block;font-size:.8rem;font-weight:600;
  color:var(--gray-600);text-transform:uppercase;
  letter-spacing:.05em;margin-bottom:.4rem;
}
.hf-field input{
  width:100%;
  background:var(--white);
  border:1.5px solid var(--gray-200);
  border-radius:var(--r);
  padding:.8rem 1rem;
  font-family:var(--font-b);font-size:1rem;color:var(--gray-800);
  transition:border-color .18s,box-shadow .18s;
}
.hf-field input:focus{
  outline:none;border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(29,78,216,.14);
}
.hf-field input::placeholder{color:var(--gray-400);}
.hf-note{
  display:flex;gap:.4rem;align-items:flex-start;
  font-size:.74rem;color:var(--gray-400);margin-top:.75rem;
}
.hf-note::before{content:'🔒';font-size:.7rem;flex-shrink:0;}
.hf-divider{
  display:flex;align-items:center;gap:.75rem;
  font-size:.73rem;color:var(--gray-400);margin:1.25rem 0;
}
.hf-divider::before,.hf-divider::after{content:'';flex:1;height:1px;background:var(--gray-100);}
.hf-call{text-align:center;}
.hf-call a{
  font-family:var(--font-d);font-size:1.55rem;font-weight:800;
  color:var(--navy);text-decoration:none;
  letter-spacing:-.015em;font-optical-sizing:auto;
  display:flex;align-items:center;justify-content:center;gap:.35rem;
}
.hf-call a:hover{color:var(--blue);}
.hf-call p{font-size:.72rem;color:var(--gray-400);margin-top:.2rem;}

/* ============================================================
   STAT BAR
   ============================================================ */
.stat-bar{background:var(--navy);padding:0;}
.stat-bar-in{
  margin:0 auto;
  display:grid;grid-template-columns:repeat(4,1fr);
}
.stat-cell{
  padding:2rem 1.5rem;text-align:center;
  border-right:1px solid rgba(255,255,255,.08);
  transition:background .2s;
}
.stat-cell:last-child{border-right:none;}
.stat-cell:hover{background:rgba(255,255,255,.04);}
.stat-n{
  font-family:var(--font-d);
  font-size:clamp(1.8rem,3vw,2.75rem);font-weight:800;
  color:#93C5FD;display:block;line-height:1;
  margin-bottom:.4rem;letter-spacing:-.02em;font-optical-sizing:auto;
}
.stat-l{font-size:.8rem;color:rgba(255,255,255,.75);}

/* ============================================================
   MARQUEE
   ============================================================ */
.logo-bar{background:var(--off-white);border-bottom:1px solid var(--gray-100);overflow:hidden;position:relative;}
.logo-bar::before,.logo-bar::after{content:'';position:absolute;top:0;bottom:0;width:100px;z-index:2;pointer-events:none;}
.logo-bar::before{left:0;background:linear-gradient(to right,var(--off-white),transparent);}
.logo-bar::after{right:0;background:linear-gradient(to left,var(--off-white),transparent);}
.logo-bar-kicker{text-align:center;padding:1.5rem 1rem .5rem;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gray-400);}
.logo-track-wrap{overflow:hidden;padding:1.1rem 0 1.4rem;}
.logo-track{display:flex;align-items:center;width:max-content;animation:marquee 30s linear infinite;}
.logo-track:hover{animation-play-state:paused;}
@keyframes marquee{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}
.logo-ti{padding:0 2.75rem;flex-shrink:0;border-right:1px solid var(--gray-100);display:flex;align-items:center;}
.logo-ti:last-child{border-right:none;}
.logo-ti img{height:62px;width:auto;max-width:320px;object-fit:contain;transition:filter .25s;display:block;}
.logo-ti img:hover{filter: opacity(1);}

/* ============================================================
   URGENCY BANNER — what's at stake
   ============================================================ */
.urgency-banner{
  background:var(--red);
  padding:4rem 2.5rem;
  position:relative;overflow:hidden;
}
.urgency-banner::before{
  content:'';position:absolute;inset:0;
  background:
    radial-gradient(ellipse 50% 80% at 0% 50%, rgba(0,0,0,.15) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 100% 50%, rgba(0,0,0,.1) 0%, transparent 60%);
  pointer-events:none;
}
.urgency-inner{
  max-width:1450px;margin:0 auto;
  display:grid;grid-template-columns:1fr auto;
  gap:4rem;align-items:center;
  position:relative;z-index:1;
}
.urgency-text h2{
  font-size:clamp(1.75rem,3vw,2.6rem);
  font-weight:800;color:var(--white)!important;
  margin-bottom:.75rem;font-optical-sizing:auto;
}
.urgency-text h2 em{font-style:italic;color:#f5babb;}
.urgency-text p{font-size:1.05rem;color:rgba(255,255,255,.82);line-height:1.7;max-width:620px;}
.urgency-cta{flex-shrink:0;text-align:center;}
.urgency-cta a{display:block;}
.urgency-cta p{
  font-size:.78rem;color:rgba(255,255,255,.5);
  margin-top:.65rem;text-align:center;
}

/* ============================================================
   WHAT HAPPENS — timeline of escalation
   ============================================================ */
.escalation-section{background:var(--off-white);padding:5.5rem 2.5rem;}
.escalation-inner{
  max-width:1450px;margin:0 auto;
  display:grid;grid-template-columns:1fr 420px;
  gap:5rem;align-items:start;
}
.escalation-content h2{margin-bottom:1.25rem;font-weight:800}

/* Vertical timeline */
.timeline{list-style:none;padding:0;margin-top:2.5rem;position:relative;}
.timeline::before{
  content:'';
  position:absolute;left:20px;top:0;bottom:0;
  width:2px;
  background:linear-gradient(to bottom,var(--red) 0%,var(--amber-mid) 50%,var(--red) 100%);
}
.tl-item{
  display:flex;gap:1.5rem;align-items:flex-start;
  padding-bottom:2rem;position:relative;
}
.tl-item:last-child{padding-bottom:0;}
.tl-dot{
  width:42px;height:42px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;flex-shrink:0;
  position:relative;z-index:1;
  border:3px solid var(--white);
  box-shadow:var(--sh-sm);
}
.tl-dot.stage1{background:#FEE2E2;}
.tl-dot.stage2{background:#FEF3C7;}
.tl-dot.stage3{background:#FEE2E2;}
.tl-dot.stage4{background:#F3F4F8;}
.tl-body{}
.tl-label{
  font-size:.68rem;font-weight:700;
  letter-spacing:.1em;text-transform:uppercase;
  margin-bottom:.3rem;
}
.tl-item.stage1 .tl-label{color:var(--red);}
.tl-item.stage2 .tl-label{color:var(--amber-mid);}
.tl-item.stage3 .tl-label{color:var(--red);}
.tl-item.stage4 .tl-label{color:var(--gray-600);}
.tl-body h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.35rem;letter-spacing:-.01em;}
.tl-body p{font-size:.9rem;color:var(--gray-600);line-height:1.65;}

/* Credit impact card on right */
.credit-card{
  background:var(--white);
  border-radius:var(--r-lg);
  border:1px solid var(--gray-100);
  box-shadow:var(--sh-lg);
  overflow:hidden;
  position:sticky;top:100px;
}
.cc-head{
  background:var(--navy);
  padding:1.5rem 1.75rem;
}
.cc-head h3{
  font-family:var(--font-d);font-size:1.05rem;font-weight:700;
  color:var(--white)!important;font-optical-sizing:auto;letter-spacing:-.01em;
  margin-bottom:.2rem;
}
.cc-head p{font-size:.78rem;color:rgba(255,255,255,.5);}
.cc-score-row{
  padding:1.75rem;
  display:flex;align-items:center;gap:1.25rem;
  border-bottom:1px solid var(--gray-100);
}
.cc-score-before,.cc-score-after{text-align:center;flex:1;}
.cc-score-lbl{font-size:.68rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gray-400);margin-bottom:.3rem;display:block;}
.cc-score-n{
  font-family:var(--font-d);font-size:2.5rem;font-weight:800;
  letter-spacing:-.03em;display:block;line-height:1;font-optical-sizing:auto;
}
.cc-score-before .cc-score-n{color:var(--green);}
.cc-score-after .cc-score-n{color:var(--red);}
.cc-score-sub{font-size:.73rem;color:var(--gray-400);margin-top:.2rem;display:block;}
.cc-arrow{
  font-size:1.5rem;color:var(--red);flex-shrink:0;font-weight:300;
}
.cc-items{list-style:none;padding:0;}
.cc-item{
  display:flex;align-items:flex-start;gap:.85rem;
  padding:1rem 1.75rem;
  border-bottom:1px solid var(--gray-100);
  font-size:.88rem;
}
.cc-item:last-child{border-bottom:none;}
.cc-item-icon{font-size:1rem;flex-shrink:0;margin-top:.05rem;}
.cc-item strong{display:block;font-size:.9rem;color:var(--navy);margin-bottom:.2rem;}
.cc-item span{color:var(--gray-600);line-height:1.55;}

/* ============================================================
   CREDIT BUREAUS — what gets reported
   ============================================================ */
.bureaus-section{background:var(--white);padding:5.5rem 2.5rem;border-top:3px solid #D97706;}
.bureaus-inner{max-width:1450px;margin:0 auto;}
.bureaus-header{
  display:grid;grid-template-columns:1fr 1fr;
  gap:3rem;align-items:end;margin-bottom:3.5rem;
}
.bureaus-grid{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:1.5rem;
}
.bureau-card{
  background:var(--white);
  border:1px solid rgba(146,64,14,.15);
  border-radius:var(--r-lg);
  padding:2rem 1.75rem;
  box-shadow:var(--sh-sm);
  text-align:center;
  transition:box-shadow .2s,transform .2s;
}
.bureau-card:hover{box-shadow:var(--sh-md);transform:translateY(-2px);}
.bureau-icon{
  width:64px;height:64px;border-radius:50%;
  background:var(--white);
  border:2px solid rgba(146,64,14,.2);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 1rem;font-size:1.5rem;
}
h2#bureau-h {
    margin-block-end: 1rem;font-weight: 800;
}
.bureau-name{
  font-family:var(--font-d);font-size:1.1rem;font-weight:800;
  color:var(--navy);letter-spacing:-.01em;margin-bottom:.5rem;font-optical-sizing:auto;
}
.bureau-desc{font-size:.88rem;color:var(--gray-600);line-height:1.6;}
.bureau-tag{
  display:inline-block;
  margin-top:.85rem;
  background:var(--white);
  border:1px solid rgba(146,64,14,.2);
  color:var(--amber);
  font-size:.7rem;font-weight:700;
  letter-spacing:.08em;text-transform:uppercase;
  padding:.25rem .7rem;border-radius:100px;
}

/* What gets reported list */
.reported-list{
  margin-top:2.5rem;
  display:grid;grid-template-columns:1fr 1fr;
  gap:1rem;
}
.reported-item{
  display:flex;gap:.85rem;align-items:flex-start;
  background:var(--white);
  border:1px solid rgba(146,64,14,.12);
  border-left:4px solid var(--amber-mid);
  border-radius:0 var(--r) var(--r) 0;
  padding:1.1rem 1.25rem;
  box-shadow:var(--sh-sm);
}
.reported-item-icon{font-size:1.1rem;flex-shrink:0;margin-top:.1rem;}
.reported-item strong{display:block;font-size:.93rem;font-weight:700;color:var(--navy);margin-bottom:.2rem;}
.reported-item span{font-size:.85rem;color:var(--gray-600);line-height:1.55;}

/* ============================================================
   HOW WE HELP — split: dark left, light right
   ============================================================ */
.help-section{background:var(--white);padding:0;overflow:hidden;}
.help-inner{
  max-width:margin:0 auto;
  display:grid;grid-template-columns:1fr 1fr;
  min-height:560px;
}
.help-dark{
  background:var(--navy);
  padding:5.5rem 4rem 5.5rem 2.5rem;
  display:flex;flex-direction:column;justify-content:center;
}
.help-dark h2{color:var(--white)!important;margin-bottom:1.25rem;font-weight:800}
.help-dark p{color:rgba(255,255,255,.68);line-height:1.75;margin-bottom:1.25rem;}
.help-dark p:last-of-type{margin-bottom:2rem;}
.help-dark strong{color:var(--white);}

.help-steps{list-style:none;padding:0;margin-top:1.5rem;}
.help-step{
  display:flex;gap:1.1rem;align-items:flex-start;
  padding:1.1rem 0;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.help-step:first-child{border-top:1px solid rgba(255,255,255,.08);}
.help-step-num{
  width:32px;height:32px;border-radius:50%;
  background:var(--blue);
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-d);font-size:.9rem;font-weight:800;
  color:var(--white);flex-shrink:0;font-optical-sizing:auto;
  margin-top:.1rem;
}
.help-step strong{display:block;font-size:.97rem;font-weight:700;color:var(--white);margin-bottom:.25rem;}
.help-step span{font-size:.88rem;color:rgba(255,255,255,.55);line-height:1.6;}

/* Right light side */
.help-light{
  background:var(--gray-50);
  padding:5.5rem 2.5rem 5.5rem 4rem;
  display:flex;flex-direction:column;justify-content:center;
}
.help-light h2{
margin-block-end: 1rem!important;font-weight: 800;
}
.help-why-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:1.25rem;margin-top:2.5rem;
}
.help-why-card{
  background:var(--white);
  border:1px solid var(--gray-100);
  border-radius:var(--r-lg);
  padding:1.5rem;
  box-shadow:var(--sh-sm);
  transition:box-shadow .2s,transform .2s;
}
.help-why-card:hover{box-shadow:var(--sh-md);transform:translateY(-2px);}
.hwc-icon{font-size:1.5rem;margin-bottom:.75rem;}
.hwc-title{font-family:var(--font-d);font-size:.97rem;font-weight:700;color:var(--navy);letter-spacing:-.01em;margin-bottom:.4rem;font-optical-sizing:auto;}
.hwc-desc{font-size:.85rem;color:var(--gray-600);line-height:1.6;}

/* Attorney card */
.atty-mini{
  background:var(--navy);
  border-radius:var(--r-lg);
  padding:1.75rem;
  margin-top:2rem;
  display:flex;gap:1.25rem;align-items:center;
}
.atty-mini-av{
  width:64px;height:64px;border-radius:50%;
  background:rgba(29,78,216,.25);border:2px solid #93C5FD;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-d);font-size:1.2rem;font-weight:800;
  color:#93C5FD;font-optical-sizing:auto;flex-shrink:0;
}
.atty-mini-av{
    width: 110px;
    height: 110px;
    border-radius: 50%;
    background: url(https://ogradylawlv.com/wp-content/uploads/2026/04/ogrady-headshot-1.webp);
    background-size: cover;
    background-repeat: no-repeat;
    border: 2px solid var(--champagne);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    position: relative;
    z-index: 1;
}
.atty-mini-name{
  font-family:var(--font-d);font-size:1.05rem;font-weight:800;
  color:var(--white);letter-spacing:-.01em;font-optical-sizing:auto;
  margin-bottom:.2rem;
}
.atty-mini-title{font-size:.75rem;color:#93C5FD;font-weight:600;letter-spacing:.06em;text-transform:uppercase;}
.atty-mini-stats{
  display:flex;gap:1.5rem;margin-top:.75rem;
}
.ams{text-align:center;}
.ams-n{
  font-family:var(--font-d);font-size:1.1rem;font-weight:800;
  color:#93C5FD;letter-spacing:-.01em;display:block;font-optical-sizing:auto;
}
.ams-l{font-size:.68rem;color:rgba(255,255,255,.4);}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.test-section{background:var(--white);padding:5.5rem 2.5rem;}
.test-grid{
  max-width:1450px;margin:2.5rem auto 0;
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:1.5rem;
}
.test-card{
  background:var(--white);border:1px solid var(--gray-100);
  border-radius:var(--r-lg);padding:2rem;box-shadow:var(--sh-sm);
  transition:box-shadow .2s,transform .2s;
  display:flex;flex-direction:column;position:relative;
}
.test-card:hover{box-shadow:var(--sh-md);transform:translateY(-2px);}
.test-card::before{
  content:'"';position:absolute;top:.85rem;left:1.5rem;
  font-family:var(--font-d);font-size:5rem;color:var(--blue-pale);
  line-height:1;pointer-events:none;font-optical-sizing:auto;
}
.test-card.featured{background:var(--navy);border-color:var(--navy);}
.test-card.featured::before{color:rgba(255,255,255,.06);}
.test-stars{color:var(--gold);font-size:.95rem;margin-bottom:1rem;}
.elementor-kit-5 .page-content p.test-q{font-size:.97rem;color:var(--gray-800);line-height:1.72;font-style:italic;flex:1;margin-bottom:1.5rem;margin-block-end: 1.5rem !important}
.elementor-kit-5 .page-content .test-card.featured .test-q{color:rgba(255,255,255,.8);}
.test-au{display:flex;align-items:center;gap:.75rem;}
.test-av{
  width:40px;height:40px;border-radius:50%;
  background:var(--blue-pale);border:1px solid rgba(29,78,216,.15);
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-d);font-size:.85rem;font-weight:700;
  color:var(--blue);flex-shrink:0;font-optical-sizing:auto;
}
.test-card.featured .test-av{background:rgba(29,78,216,.3);color:#93C5FD;border-color:rgba(147,197,253,.3);}
.test-nm{font-size:.9rem;font-weight:700;color:var(--navy);display:block;}
.test-card.featured .test-nm{color:var(--white);}
.test-ro{font-size:.72rem;color:var(--green);font-weight:600;text-transform:uppercase;letter-spacing:.04em;display:block;margin-top:.1rem;}
.test-card.featured .test-ro{color:#4ADE80;}
h2#test-h {
margin-block-end: 1rem!important;
}
/* ============================================================
   FINAL CTA
   ============================================================ */
.cta-section{background:var(--navy);padding:6.5rem 2.5rem;text-align:center;position:relative;overflow:hidden;}
.cta-section::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(29,78,216,.12) 0%,transparent 70%);
  pointer-events:none;
}
.cta-inner{max-width:800px;margin:0 auto;position:relative;z-index:1;}
.cta-inner h2{font-size:clamp(2rem,4vw,3.2rem);font-weight:800;color:var(--white)!important;margin-bottom:1rem;font-optical-sizing:auto;}
.cta-inner h2 em{font-style:italic;color:#93C5FD;}
.elementor-kit-5 .page-content .cta-inner>p{font-size:1.05rem;color:rgba(255,255,255,.65);margin-bottom:2.5rem;margin-block-end: 1.5em !important;}
.cta-form{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);
  border-radius:var(--r-lg);padding:2.25rem 2rem;text-align:left;position:relative;
}
.cta-form::before{
  content:'';position:absolute;top:0;left:0;right:0;height:2px;
  background:linear-gradient(90deg,transparent,#93C5FD,transparent);
  border-radius:var(--r-lg) var(--r-lg) 0 0;
}
.cta-form .hf-field label{color:rgba(255,255,255,.6);}
.cta-form .hf-field input{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15);color:var(--white);}
.cta-form .hf-field input:focus{border-color:#93C5FD;box-shadow:0 0 0 3px rgba(147,197,253,.2);}
.cta-form .hf-field input::placeholder{color:rgba(255,255,255,.28);}
.cta-divider{display:flex;align-items:center;gap:.75rem;font-size:.73rem;color:rgba(255,255,255,.28);letter-spacing:.04em;margin:1.5rem 0;}
.cta-divider::before,.cta-divider::after{content:'';flex:1;height:1px;background:rgba(255,255,255,.1);}
.cta-phone{text-align:center;}
.cta-phone a{font-family:var(--font-d);font-size:2rem;font-weight:800;color:#93C5FD;text-decoration:none;letter-spacing:-.02em;display:flex;align-items:center;justify-content:center;gap:.4rem;font-optical-sizing:auto;}
.cta-phone a:hover{color:var(--white);}
.cta-phone p{font-size:.72rem;color:rgba(255,255,255,.28);margin-top:.3rem;}

/* ============================================================
   MOBILE STICKY / FOOTER
   ============================================================ */
.mobile-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:500;background:var(--blue);padding:.85rem 1.5rem;align-items:center;justify-content:center;gap:.5rem;border-top:3px solid #93C5FD;}
.mobile-bar a{font-family:var(--font-d);font-size:1.15rem;font-weight:800;color:var(--white);text-decoration:none;letter-spacing:-.01em;font-optical-sizing:auto;}
.footer{background:#050C1A;padding:3.5rem 2.5rem 2rem;border-top:1px solid rgba(255,255,255,.06);}
.footer-grid{max-width:1450px;margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:3rem;}
.footer-logo img{height:40px;width:auto;filter:brightness(0) invert(1);margin-bottom:1.25rem;}
.footer-about{font-size:.85rem;color:rgba(255,255,255,.32);line-height:1.65;}
.footer-col-head{font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#93C5FD;margin-bottom:1rem;}
.footer-links{list-style:none;padding:0;}
.footer-links li{margin-bottom:.5rem;}
.footer-links a{font-size:.88rem;color:rgba(255,255,255,.42);text-decoration:none;transition:color .15s;}
.footer-links a:hover{color:rgba(255,255,255,.85);}
.footer-ph{font-family:var(--font-d);font-size:1.35rem;font-weight:800;color:var(--white);text-decoration:none;letter-spacing:-.015em;display:block;margin-bottom:.3rem;font-optical-sizing:auto;}
.footer-ph:hover{color:#93C5FD;}
.footer-av{font-size:.75rem;color:rgba(255,255,255,.3);margin-bottom:1.25rem;}
.footer-bot{max-width:1450px;margin:2.5rem auto 0;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.06);display:flex;flex-wrap:wrap;justify-content:space-between;gap:.75rem;font-size:.77rem;color:rgba(255,255,255,.22);}
.footer-disc{max-width:1450px;margin:1.25rem auto 0;font-size:.72rem;color:rgba(255,255,255,.17);line-height:1.6;padding-top:1rem;border-top:1px solid rgba(255,255,255,.04);}
.footer-disc a{color:inherit;text-decoration:underline;}

/* ============================================================
   ANIMATIONS
   ============================================================ */
.fade-up{opacity:0;transform:translateY(24px);transition:opacity .65s var(--ease),transform .65s var(--ease);}
.fade-up.visible{opacity:1;transform:none;}
.fade-up:nth-child(2){transition-delay:.08s;}
.fade-up:nth-child(3){transition-delay:.16s;}
.fade-up:nth-child(4){transition-delay:.24s;}
.fade-up:nth-child(5){transition-delay:.32s;}
.fade-up:nth-child(6){transition-delay:.40s;}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:1100px){
  .hero-inner{grid-template-columns:1fr 400px;min-height:auto;}
  .hero-photo-col{display:none;}
  .hero-content-col{padding:4rem 2.5rem;}
  .hero-form-col{border-left:none;border-top:1px solid var(--gray-100);}
  .escalation-inner{grid-template-columns:1fr;}
  .credit-card{position:static;}
  .bureaus-header{grid-template-columns:1fr;}
  .help-inner{grid-template-columns:1fr;}
  .help-light{padding:4rem 2.5rem;}
  .help-why-grid{grid-template-columns:1fr 1fr;}
  .test-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr;gap:2rem;}
  .stat-bar-in{grid-template-columns:repeat(2,1fr);}
  .stat-cell:nth-child(2){border-right:none;}
  .urgency-inner{grid-template-columns:1fr;}
  .bureaus-grid{grid-template-columns:1fr;}
}
@media(max-width:720px){
  .hero-inner{grid-template-columns:1fr;}
  .hero-form-col{border-left:none;border-top:1px solid var(--gray-100);}
  .bureaus-grid{grid-template-columns:1fr;}
  .reported-list{grid-template-columns:1fr;}
  .test-grid{grid-template-columns:1fr;}
  .help-why-grid{grid-template-columns:1fr;}
  .mobile-bar{display:flex;}
  body{padding-bottom:60px;}
}
@media(prefers-reduced-motion:reduce){
  *,.fade-up{animation:none!important;transition:none!important;transform:none!important;opacity:1!important;}
}
@media(prefers-contrast:high){
  :root{--blue:#0040CC;--red:#900015;--navy:#000D2E;}
}/* End custom CSS */