:root{
      --navy:#0b2a4a;              /* Trust */
      --royal:#114d8c;             /* Accent */
      --text:#1b1f24;
      --muted:#5b6876;
      --light:#f6f9fc;
      --white:#fff;

      /* Rainbow stages (credit score healing) */
      --red:#e53935;
      --orange:#fb8c00;
      --yellow:#fbc02d;
      --green:#43a047;
      --blue:#1e88e5;

      /* Shared UI */
      --radius:18px;
      --shadow:0 10px 30px rgba(0,0,0,.08);
      --shadow-soft:0 6px 18px rgba(0,0,0,.06);
      --grad-rainbow: linear-gradient(90deg, var(--red), var(--orange), var(--yellow), var(--green), var(--blue));
      --grad-hero: radial-gradient(1200px 600px at 75% 20%, rgba(255,255,255,.28), rgba(255,255,255,0) 60%),
                   linear-gradient(135deg, #0a2342 0%, #103b6d 60%, #114d8c 100%);
    }
    *{box-sizing:border-box}
    body{font-family:Montserrat,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--white);}

    /* Navbar */
    .topbar{
      background:var(--grad-rainbow);
      color:#0a0a0a;
      font-weight:600;
      font-size:.9rem;
    }
    .navbar{
      backdrop-filter: saturate(150%) blur(6px);
      background:rgba(255,255,255,.85) !important;
      box-shadow:var(--shadow);
    }
    .navbar .btn-grad{
      background:var(--grad-rainbow);
      border:none;
      color:#0a0a0a;
      font-weight:700;
      border-radius:999px;
      padding:.65rem 1rem;
    }
    .brand-badge{
      display:inline-flex;align-items:center;gap:.6rem;
      font-weight:800;letter-spacing:.3px;color:var(--navy);
    }
    .brand-logo{
      width:38px;height:38px;border-radius:10px;box-shadow:var(--shadow-soft);
      background:var(--grad-rainbow);display:inline-grid;place-items:center;color:#0a0a0a;font-weight:900;
    }

    /* Hero */
    .hero{
      background:var(--grad-hero);
      color:var(--white);
      position:relative;isolation:isolate;
    }
    .hero .headline{
      font-weight:800;
      line-height:1.1;
      letter-spacing:.2px;
    }
    .hero .subhead{color:#e9f2ff}
    .badge-soft{
      background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);
      color:#fff;border-radius:999px;padding:.4rem .75rem;font-weight:600;font-size:.9rem;
    }
    .cta-bar{
      background:#fff;border-radius:999px;padding:.5rem;.box-shadow:var(--shadow);
    }
    .btn-primary-grad{
      background:var(--grad-rainbow);
      color:#0a0a0a;font-weight:800;border:none;border-radius:999px;padding:.85rem 1.2rem;
    }
    .btn-outline-light-ghost{
      border:1.5px solid rgba(255,255,255,.75);color:#fff;border-radius:999px;padding:.85rem 1.2rem;
    }

    /* Credit Meter Card */
    .gauge-card{
      background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:1.25rem;
    }
    .meter-caption{color:var(--muted);font-size:.9rem}

    /* Section shared */
    .section{padding:76px 0}
    .section-title{
      font-weight:800;color:var(--navy);
    }
    .section-lead{color:var(--muted)}

    /* Services */
    .svc{
      background:#fff;border-radius:16px;padding:1.5rem;border:1px solid #eef2f7;
      box-shadow:var(--shadow-soft);height:100%;
    }
    .svc i{
      font-size:28px;padding:.9rem;border-radius:14px;background:var(--light);display:inline-flex;
    }
    .svc h5{font-weight:800}
    .svc:hover{transform:translateY(-2px);transition:.25s box-shadow,.25s transform;box-shadow:var(--shadow)}

    /* Stages bar */
    .stages{
      border-radius:999px;height:16px;background:var(--grad-rainbow);
      position:relative;box-shadow:inset 0 0 0 3px rgba(255,255,255,.6), var(--shadow-soft);
    }
    .stage-labels{font-size:.9rem;color:var(--muted)}
    .stage-chip{
      border-radius:999px;padding:.35rem .7rem;font-weight:700;font-size:.85rem;
      color:#0a0a0a;background:var(--grad-rainbow);display:inline-block;
    }

    /* Testimonials */
    .testi{
      background:#fff;border:1px solid #eef2f7;border-radius:16px;padding:1.25rem;box-shadow:var(--shadow-soft);
    }
    .stars{color:#f5b50a}

    /* Contact */
    .contact-card{
      background:#fff;border-radius:16px;border:1px solid #eef2f7;box-shadow:var(--shadow-soft);padding:1.5rem;
    }
    .form-control, .form-select{border-radius:12px;border:1px solid #dfe6ee}
    .form-control:focus, .form-select:focus{border-color:var(--royal);box-shadow:0 0 0 .2rem rgba(17,77,140,.15)}

    /* Footer */
    .footer{
      background:#0b213c;color:#ccdaee;
    }
    .footer a{color:#ffffff;opacity:.9;text-decoration:none}
    .footer a:hover{opacity:1;text-decoration:underline}
    .trust-badges img{max-height:34px;opacity:.9;filter:grayscale(20%)}

    /* Utilities */
    .small-muted{font-size:.9rem;color:var(--muted)}
    .pill{border-radius:999px}

    @media (max-width: 991.98px){
      .hero-graphic{margin-top:32px}
    }