/*
Theme Name: Credit for Newcomers
Theme URI: https://creditfornewcomers.com
Author: Foxy Team
Description: SEO-first comparison and education theme for newcomers building credit in the United States.
Version: 1.0.0
Text Domain: creditfornewcomers
*/

:root {
  --cfn-ink: #0b1c30;
  --cfn-muted: #526071;
  --cfn-blue: #1e3a8a;
  --cfn-blue-dark: #00236f;
  --cfn-blue-soft: #e8efff;
  --cfn-green: #087b58;
  --cfn-green-dark: #055f44;
  --cfn-green-soft: #e4f8f0;
  --cfn-surface: #f7f9fe;
  --cfn-surface-2: #eff4ff;
  --cfn-line: #d9e1ee;
  --cfn-white: #fff;
  --cfn-warning: #8a4b00;
  --cfn-shadow: 0 16px 42px rgba(20, 40, 80, .09);
  --cfn-glass-bg: rgba(255, 255, 255, 0.75);
  --cfn-glass-border: rgba(255, 255, 255, 0.6);
  --cfn-glass-shadow: 0 8px 32px rgba(30, 58, 138, 0.08);
  --cfn-radius: 16px;
  --cfn-container: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--cfn-ink);
  background: var(--cfn-surface);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--cfn-blue); text-decoration-thickness: .08em; text-underline-offset: .14em; }
img { display: block; max-width: 100%; }
button, input, select { font: inherit; }
.cfn-container { width: min(calc(100% - 32px), var(--cfn-container)); margin-inline: auto; }
.screen-reader-text { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }
.skip-link:focus { clip: auto; width: auto; height: auto; left: 16px; top: 16px; padding: 10px 14px; background: #fff; z-index: 9999; }

.cfn-site-header { position: sticky; top: 0; z-index: 50; background: rgba(248, 250, 255, .96); border-bottom: 1px solid var(--cfn-line); backdrop-filter: blur(12px); }
.cfn-header-inner { min-height: 60px; display: flex; align-items: center; gap: 20px; }
.cfn-brand { display: inline-flex; align-items: center; gap: 9px; color: var(--cfn-blue-dark); font-weight: 800; font-size: .98rem; line-height: 1.02; text-decoration: none; }
.cfn-brand-mark { width: 32px; height: 32px; display: grid; place-items: center; color: #fff; background: var(--cfn-blue); border-radius: 9px; box-shadow: 0 5px 14px rgba(30, 58, 138, .22); }
.cfn-brand small { display: none; color: var(--cfn-muted); font-size: .64rem; font-weight: 650; letter-spacing: .04em; }
.cfn-primary-nav { margin-left: auto; }
.cfn-primary-nav ul { display: flex; align-items: center; gap: 18px; list-style: none; margin: 0; padding: 0; }
.cfn-primary-nav a { color: #333d4c; text-decoration: none; font-weight: 700; font-size: .84rem; }
.cfn-primary-nav a:hover, .cfn-primary-nav .current-menu-item a { color: var(--cfn-blue); }
.cfn-menu-toggle { display: none; margin-left: auto; padding: 8px; border: 0; background: transparent; color: var(--cfn-blue); }
.cfn-header-loan-cta { white-space: nowrap; }
.cfn-header-loan-cta-compact { display: none; }
.cfn-btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 0 22px; border: 1px solid rgba(255, 255, 255, 0.3); border-radius: 8px; background: linear-gradient(135deg, var(--cfn-green), #059b71); color: #fff; font-weight: 750; text-decoration: none; box-shadow: 0 8px 20px rgba(13, 159, 114, .3), inset 0 1px 0 rgba(255, 255, 255, 0.2); transition: transform .18s ease, box-shadow .18s ease, filter .18s ease; cursor: pointer; backdrop-filter: blur(4px); }
.cfn-btn:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 12px 24px rgba(13, 159, 114, .4), inset 0 1px 0 rgba(255, 255, 255, 0.3); filter: brightness(1.05); }
.cfn-btn:focus-visible, .cfn-ghost:focus-visible, input:focus-visible, select:focus-visible, button:focus-visible, a:focus-visible { outline: 3px solid #f6ad22; outline-offset: 3px; }
.cfn-btn-small { min-height: 38px; padding-inline: 15px; font-size: .82rem; }
.cfn-ghost { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 22px; border: 1px solid rgba(30, 58, 138, 0.2); border-radius: 8px; color: var(--cfn-blue); background: rgba(232, 239, 255, 0.5); font-weight: 750; text-decoration: none; backdrop-filter: blur(8px); transition: all .18s ease; }
.cfn-ghost:hover { background: rgba(232, 239, 255, 0.85); border-color: rgba(30, 58, 138, 0.4); box-shadow: 0 4px 12px rgba(30, 58, 138, 0.08); }

.cfn-hero { padding: 64px 0 54px; background: radial-gradient(circle at 80% 20%, #e6efff 0, transparent 42%), var(--cfn-white); border-bottom: 1px solid var(--cfn-line); overflow: hidden; }
.cfn-hero-grid { display: grid; grid-template-columns: minmax(0, .95fr) minmax(440px, 1.05fr); gap: 62px; align-items: center; }
.cfn-kicker { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 20px; padding: 7px 13px; border: 1px solid #cfdcf8; border-radius: 999px; color: var(--cfn-blue); background: var(--cfn-blue-soft); font-size: .8rem; font-weight: 750; letter-spacing: .03em; }
.cfn-hero h1 { max-width: 720px; margin: 0; font-size: clamp(2.5rem, 4.4vw, 3.8rem); line-height: 1.06; letter-spacing: -.045em; }
.cfn-hero h1 span { color: var(--cfn-blue); }
.cfn-hero-lede { max-width: 660px; margin: 25px 0 0; color: var(--cfn-muted); font-size: 1.18rem; }
.cfn-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.cfn-safe-note { display: flex; align-items: center; gap: 9px; margin-top: 23px; color: var(--cfn-muted); font-size: .86rem; font-weight: 650; }
.cfn-hero-visual { position: relative; min-height: 400px; border: 1px solid rgba(255, 255, 255, 0.6); border-radius: 24px; background: rgba(255, 255, 255, 0.4); box-shadow: var(--cfn-glass-shadow); backdrop-filter: blur(20px); overflow: hidden; }
.cfn-hero-visual img { width: 100%; height: 100%; min-height: 400px; object-fit: cover; mix-blend-mode: multiply; opacity: 0.9; }
.cfn-estimate-card { position: absolute; right: 24px; bottom: 24px; left: 24px; padding: 24px 28px; border: 1px solid var(--cfn-glass-border); border-radius: 18px; background: var(--cfn-glass-bg); box-shadow: 0 20px 40px rgba(8, 24, 55, .18); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); }
.cfn-estimate-card small { display: block; color: var(--cfn-muted); font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.cfn-estimate-card strong { display: block; margin-top: 4px; color: var(--cfn-blue-dark); font-size: 2rem; }
.cfn-estimate-card span { color: var(--cfn-blue); font-size: .9rem; }
.cfn-trust-strip { padding: 25px 0; background: rgba(239, 244, 255, 0.6); backdrop-filter: blur(10px); border-bottom: 1px solid rgba(255, 255, 255, 0.5); box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.8); }
.cfn-trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; text-align: center; }
.cfn-trust-item { display: flex; align-items: center; justify-content: center; gap: 9px; color: #354357; font-size: .9rem; font-weight: 650; }
.cfn-icon { width: 22px; height: 22px; flex: 0 0 22px; }

.cfn-section { padding: 78px 0; }
.cfn-section-white { background: #fff; }
.cfn-section-soft { background: var(--cfn-surface-2); }
.cfn-section-head { display: flex; justify-content: space-between; align-items: end; gap: 30px; margin-bottom: 30px; }
.cfn-eyebrow { display: block; margin-bottom: 7px; color: var(--cfn-green-dark); font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.cfn-section h2, .cfn-page-hero h1 { margin: 0; font-size: clamp(2rem, 3.6vw, 3.2rem); line-height: 1.12; letter-spacing: -.035em; }
.cfn-section-intro { max-width: 720px; margin: 12px 0 0; color: var(--cfn-muted); font-size: 1.03rem; }
.cfn-partner-context + .cfn-partner-context { margin-top: 42px; }
.cfn-partner-context .cfn-section-head { margin-bottom: 20px; }
.cfn-partner-context h3 { margin: 0; font-size: clamp(1.35rem, 2.2vw, 1.8rem); line-height: 1.2; letter-spacing: -.02em; }
.cfn-text-link { font-weight: 750; white-space: nowrap; }

.cfn-loan-nav { background: #fff; border-bottom: 1px solid var(--cfn-line); }
.cfn-loan-nav-inner { min-height: 60px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.cfn-loan-nav-inner > strong { flex: 0 0 auto; color: var(--cfn-blue); font-size: .76rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.cfn-loan-nav-links { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 6px; }
.cfn-loan-nav-links a { padding: 8px 12px; border-radius: 999px; color: #354357; font-size: .82rem; font-weight: 750; text-decoration: none; }
.cfn-loan-nav-links a:hover { color: var(--cfn-blue); background: var(--cfn-blue-soft); }
.cfn-loan-nav-links a[aria-current="page"] { color: #fff; background: var(--cfn-blue); }

.cfn-loan-flow-band { padding: 38px 0; background: var(--cfn-surface-2); border-bottom: 1px solid var(--cfn-line); }
.cfn-loan-flow-band-compact { padding-block: 30px; }
.cfn-loan-flow-head { align-items: center; margin-bottom: 22px; }
.cfn-loan-flow-head h2 { margin: 0; font-size: clamp(1.65rem, 2.8vw, 2.35rem); line-height: 1.15; letter-spacing: -.025em; }
.cfn-loan-flow-head > p { max-width: 520px; margin: 0; color: var(--cfn-muted); }
.cfn-loan-flow-jump { max-width: 520px; }
.cfn-loan-flow-jump p { margin: 0; color: var(--cfn-muted); }
.cfn-loan-flow-jump a { display: inline-flex; margin-top: 6px; font-weight: 800; }
.cfn-loan-flow { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin: 0; padding: 0; list-style: none; }
.cfn-loan-flow-step a { height: 100%; display: flex; align-items: flex-start; gap: 12px; padding: 17px; border: 1px solid var(--cfn-line); border-radius: 13px; color: var(--cfn-ink); background: #fff; text-decoration: none; }
.cfn-loan-flow-step a:hover { border-color: #9fb3dc; box-shadow: 0 8px 20px rgba(33, 58, 105, .08); }
.cfn-loan-flow-number { width: 32px; height: 32px; flex: 0 0 32px; display: grid; place-items: center; border-radius: 50%; color: var(--cfn-blue); background: var(--cfn-blue-soft); font-weight: 850; }
.cfn-loan-flow-step strong { display: block; font-size: .92rem; line-height: 1.3; }
.cfn-loan-flow-step small { display: block; margin-top: 5px; color: var(--cfn-muted); font-size: .76rem; line-height: 1.42; }
.cfn-loan-flow-step.is-current a { border-color: var(--cfn-blue); box-shadow: 0 0 0 2px rgba(30, 58, 138, .08); }
.cfn-loan-flow-step.is-current .cfn-loan-flow-number { color: #fff; background: var(--cfn-blue); }
.cfn-loan-flow-step.is-complete .cfn-loan-flow-number { color: #fff; background: var(--cfn-green); }
.cfn-loan-content-layout { display: grid; grid-template-columns: minmax(250px, .65fr) minmax(0, 1.6fr); align-items: start; gap: 24px; }
.cfn-loan-quick-card { position: sticky; top: 84px; padding: 26px; }
.cfn-loan-quick-card h2 { margin: 6px 0 14px; font-size: 1.4rem; line-height: 1.25; }
.cfn-loan-quick-card ul { margin: 0 0 18px; padding-left: 20px; color: var(--cfn-muted); }
.cfn-loan-quick-card li + li { margin-top: 9px; }
.cfn-loan-guide-content { padding: 32px; }

.cfn-path-grid, .cfn-method-grid, .cfn-guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.cfn-life-task-grid { grid-template-columns: repeat(4, 1fr); }
.cfn-life-task-grid .cfn-path-card { min-height: 245px; }
.cfn-life-task-card { border-color: rgba(139, 205, 183, 0.5); background: rgba(239, 252, 247, 0.7); backdrop-filter: blur(12px); box-shadow: 0 8px 32px rgba(5, 99, 71, 0.05); }
.cfn-card { border: 1px solid var(--cfn-glass-border); border-radius: var(--cfn-radius); background: var(--cfn-glass-bg); backdrop-filter: blur(12px); box-shadow: var(--cfn-glass-shadow); }
.cfn-path-card { padding: 28px; transition: transform .2s cubic-bezier(0.175, 0.885, 0.32, 1.275), box-shadow .2s ease, background .2s ease; border: 1px solid var(--cfn-glass-border); border-radius: var(--cfn-radius); background: var(--cfn-glass-bg); backdrop-filter: blur(12px); box-shadow: 0 4px 16px rgba(33, 58, 105, 0.04); }
.cfn-path-card:hover { transform: translateY(-6px); box-shadow: 0 20px 40px rgba(33, 58, 105, 0.1); background: rgba(255, 255, 255, 0.95); border-color: rgba(30, 58, 138, 0.15); }
.cfn-path-icon { width: 48px; height: 48px; display: grid; place-items: center; margin-bottom: 19px; border-radius: 13px; color: var(--cfn-blue); background: var(--cfn-blue-soft); }
.cfn-path-card h3, .cfn-method-card h3, .cfn-guide-card h3 { margin: 0 0 9px; font-size: 1.22rem; line-height: 1.3; }
.cfn-path-card p, .cfn-method-card p, .cfn-guide-card p { margin: 0; color: var(--cfn-muted); }
.cfn-path-card a { display: inline-flex; margin-top: 19px; font-weight: 750; }

.cfn-method-card { position: relative; padding: 28px; }
.cfn-step { width: 34px; height: 34px; display: grid; place-items: center; margin-bottom: 17px; border-radius: 50%; color: #fff; background: var(--cfn-blue); font-weight: 800; }
.cfn-method-card:not(:last-child)::after { content: ""; position: absolute; top: 44px; right: -23px; width: 23px; border-top: 2px dashed #aebddb; }

.cfn-offer-list { display: grid; gap: 18px; }
.cfn-offer-card { display: grid; grid-template-columns: minmax(180px, .75fr) minmax(300px, 1.4fr) minmax(330px, 1.2fr); align-items: stretch; border-top: 4px solid var(--cfn-blue); overflow: hidden; border: 1px solid var(--cfn-glass-border); border-radius: var(--cfn-radius); background: var(--cfn-glass-bg); backdrop-filter: blur(16px); box-shadow: var(--cfn-glass-shadow); position: relative; }
.cfn-offer-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--cfn-blue), var(--cfn-green)); }
.cfn-offer-brand, .cfn-offer-copy, .cfn-offer-facts { padding: 25px; }
.cfn-offer-brand { display: flex; flex-direction: column; justify-content: center; border-right: 1px solid var(--cfn-line); }
.cfn-rank { color: var(--cfn-green-dark); font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.cfn-offer-brand h3 { margin: 6px 0 5px; font-size: 1.3rem; }
.cfn-offer-best { color: var(--cfn-muted); font-size: .87rem; }
.cfn-offer-copy { border-right: 1px solid var(--cfn-line); }
.cfn-offer-copy p { margin: 0; color: var(--cfn-muted); }
.cfn-offer-badges { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 15px; }
.cfn-badge { display: inline-flex; align-items: center; padding: 5px 9px; border-radius: 999px; background: var(--cfn-blue-soft); color: var(--cfn-blue); font-size: .72rem; font-weight: 750; }
.cfn-badge-green { color: #056347; background: var(--cfn-green-soft); }
.cfn-offer-facts { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; align-items: center; }
.cfn-fact small { display: block; color: var(--cfn-muted); font-size: .7rem; font-weight: 750; text-transform: uppercase; letter-spacing: .06em; }
.cfn-fact strong { display: block; margin-top: 2px; font-size: 1rem; }
.cfn-offer-actions { grid-column: 1 / -1; display: flex; gap: 10px; align-items: center; }
.cfn-offer-actions .cfn-btn { flex: 1; }
.cfn-disclosure { grid-column: 1 / -1; color: var(--cfn-muted); font-size: .7rem; line-height: 1.45; }
.cfn-empty-offers { padding: 34px; text-align: center; }

.cfn-inline-partner-cta,
.cfn-calculator-partner-cta { margin: 32px 0; padding: 30px; border: 1px solid #8bcdb7; border-radius: var(--cfn-radius); background: linear-gradient(145deg, #effcf7, #fff); }
.cfn-inline-partner-cta h2,
.cfn-calculator-partner-cta h2 { margin: 7px 0 10px; font-size: clamp(1.45rem, 2.5vw, 2rem); }
.cfn-inline-partner-cta p,
.cfn-calculator-partner-cta p { color: var(--cfn-muted); }
.cfn-inline-partner-cta small,
.cfn-calculator-partner-cta small { display: block; margin-top: 14px; color: var(--cfn-muted); line-height: 1.55; }

.cfn-request-narrow { max-width: 920px; }
.cfn-request-page .cfn-page-hero .cfn-eyebrow { display: inline-block; margin-top: 24px; }
.cfn-request-main { padding-top: 40px; }
.cfn-request-brief { margin-bottom: 16px; padding: 20px 22px; border-left: 5px solid var(--cfn-blue); border-radius: 0 12px 12px 0; background: var(--cfn-blue-soft); }
.cfn-request-brief .cfn-eyebrow { margin-bottom: 4px; }
.cfn-request-brief p { margin: 0; color: #36455b; }
.cfn-request-brief > a { display: inline-flex; margin-top: 8px; font-size: .84rem; font-weight: 800; }
.cfn-partner-form-card { scroll-margin-top: 78px; padding: 28px; border: 2px solid #dda847; border-radius: var(--cfn-radius); background: #fffaf0; }
.cfn-partner-form-card > h2 { margin: 6px 0 8px; }
.cfn-partner-form-card > p { margin: 0 0 18px; color: var(--cfn-muted); }
.cfn-request-disclosures { scroll-margin-top: 78px; margin-top: 18px; border: 1px solid var(--cfn-line); border-radius: 12px; background: #fff; }
.cfn-request-disclosures summary { position: relative; padding: 18px 52px 18px 22px; color: var(--cfn-blue-dark); font-weight: 800; cursor: pointer; list-style: none; }
.cfn-request-disclosures summary::-webkit-details-marker { display: none; }
.cfn-request-disclosures summary::after { content: "+"; position: absolute; top: 50%; right: 22px; translate: 0 -50%; font-size: 1.5rem; font-weight: 500; }
.cfn-request-disclosures[open] summary::after { content: "−"; }
.cfn-request-disclosures-body { padding: 4px 24px 26px; border-top: 1px solid var(--cfn-line); }
.cfn-request-disclosures-body h2 { margin: 24px 0 10px; font-size: 1.35rem; }
.cfn-request-disclosures-body p { color: #36455b; }
.cfn-request-disclosure { margin-bottom: 24px; padding: 22px 24px; border-left: 5px solid var(--cfn-blue); border-radius: 0 12px 12px 0; background: var(--cfn-blue-soft); }
.cfn-request-disclosure p { margin: 6px 0 0; color: #36455b; }
.cfn-request-card { margin: 24px 0; padding: 28px; }
.cfn-request-card h2 { margin-top: 0; }
.cfn-check-list { display: grid; gap: 12px; padding-left: 22px; }
.cfn-check-list li::marker { color: var(--cfn-green-dark); }
.cfn-partner-handoff { margin: 28px 0; padding: 30px; border: 2px solid #dda847; border-radius: var(--cfn-radius); background: #fffaf0; }
.cfn-partner-handoff h2 { margin: 6px 0 12px; }
.cfn-partner-links { display: flex; flex-wrap: wrap; gap: 10px 18px; margin: 18px 0; }
.cfn-partner-links a { font-weight: 700; }
.cfn-request-gate { margin-top: 24px; padding-top: 22px; border-top: 1px solid #e5c98f; }
.cfn-request-small,
.cfn-request-fallback { color: var(--cfn-muted); font-size: .82rem; line-height: 1.55; }
.cfn-roundsky-wrap { margin: 0; }
.cfn-roundsky-wrap h2 { margin-top: 0; }
.cfn-roundsky-wrap #rsForm { display: block; width: 100%; min-height: 900px; margin-top: 18px; background: #fff; }
.cfn-roundsky-wrap #rsForm iframe { width: 100%; border: 0; }
.cfn-request-error { padding: 16px; border-radius: 8px; background: #fff0f0; color: #8a2630; }
.cfn-request-next { display: flex; flex-wrap: wrap; gap: 12px 20px; margin-top: 30px; font-weight: 700; }

.cfn-matcher { display: grid; grid-template-columns: .9fr 1.1fr; gap: 24px; padding: 28px; }
.cfn-matcher h3 { margin: 0 0 8px; font-size: 1.45rem; }
.cfn-matcher p { margin: 0; color: var(--cfn-muted); }
.cfn-matcher-form { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.cfn-field label { display: block; margin-bottom: 5px; color: #36455b; font-size: .77rem; font-weight: 750; }
.cfn-field select { width: 100%; min-height: 48px; padding: 0 38px 0 13px; border: 1px solid #b8c4d7; border-radius: 8px; background: #fff; color: var(--cfn-ink); }
.cfn-matcher-result { grid-column: 1 / -1; min-height: 0; padding: 0; border-radius: 10px; background: var(--cfn-green-soft); color: #065d43; font-weight: 650; }
.cfn-matcher-result:not(:empty) { padding: 13px 15px; }
.cfn-matcher-note { grid-column: 1 / -1; color: var(--cfn-muted); font-size: .72rem; }

.cfn-guide-card { overflow: hidden; }
.cfn-guide-thumb { aspect-ratio: 16/9; background: linear-gradient(135deg, #dbe7ff, #edf9f4); }
.cfn-guide-thumb img { width: 100%; height: 100%; object-fit: cover; }
.cfn-guide-body { padding: 23px; }
.cfn-guide-body a { text-decoration: none; }
.cfn-guide-meta { display: flex; gap: 12px; margin-bottom: 9px; color: var(--cfn-muted); font-size: .75rem; }
.cfn-guide-card .cfn-text-link { display: inline-flex; margin-top: 16px; }
.cfn-guide-topics .cfn-path-card h2 { font-size: 1.45rem; }
.cfn-pagination { margin-top: 34px; text-align: center; }
.cfn-pagination .page-numbers { display: inline-grid; min-width: 42px; min-height: 42px; margin: 3px; place-items: center; border: 1px solid var(--cfn-line); border-radius: 8px; background: #fff; text-decoration: none; }
.cfn-pagination .current { color: #fff; background: var(--cfn-blue); border-color: var(--cfn-blue); }

.cfn-faq-list { max-width: 860px; margin: 0 auto; display: grid; gap: 12px; }
.cfn-faq-list details { border: 1px solid var(--cfn-line); border-radius: 12px; background: #fff; }
.cfn-faq-list summary { padding: 18px 22px; font-weight: 750; cursor: pointer; }
.cfn-faq-list p { margin: 0; padding: 0 22px 20px; color: var(--cfn-muted); }
.cfn-cta-band { display: grid; grid-template-columns: 1fr auto; gap: 30px; align-items: center; padding: 40px; color: #fff; background: var(--cfn-blue-dark); border-radius: 22px; box-shadow: var(--cfn-shadow); }
.cfn-cta-band h2 { color: #fff; font-size: clamp(1.8rem, 3vw, 2.65rem); }
.cfn-cta-band p { margin: 10px 0 0; color: #d9e5ff; }

.cfn-page-hero { padding: 62px 0 42px; background: #fff; border-bottom: 1px solid var(--cfn-line); }
.cfn-page-hero p { max-width: 760px; margin: 14px 0 0; color: var(--cfn-muted); font-size: 1.05rem; }
.cfn-breadcrumbs { margin-bottom: 22px; color: var(--cfn-muted); font-size: .82rem; }
.cfn-breadcrumbs a { color: var(--cfn-muted); }
.cfn-archive-layout { display: grid; grid-template-columns: 260px 1fr; gap: 26px; align-items: start; }
.cfn-filter-panel { position: sticky; top: 100px; padding: 22px; }
.cfn-filter-panel h2 { margin: 0 0 18px; font-size: 1.25rem; }
.cfn-filter-panel .cfn-field + .cfn-field { margin-top: 14px; }
.cfn-filter-panel .cfn-btn { width: 100%; margin-top: 17px; }

.cfn-article-wrap { padding: 55px 0 80px; }
.cfn-article-header { max-width: 980px; margin-bottom: 32px; }
.cfn-article-header h1 { margin: 0; font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.5rem, 5vw, 4.6rem); line-height: 1.04; letter-spacing: -.035em; }
.cfn-article-meta { display: flex; flex-wrap: wrap; gap: 14px 24px; margin-top: 22px; color: var(--cfn-muted); font-size: .86rem; }
.cfn-featured-image { width: 100%; max-height: 630px; object-fit: cover; border: 1px solid var(--cfn-line); border-radius: 20px; box-shadow: var(--cfn-shadow); }
.cfn-article-grid { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 54px; margin-top: 45px; align-items: start; }
.cfn-prose { min-width: 0; font-family: Georgia, "Times New Roman", serif; font-size: 1.12rem; line-height: 1.8; }
.cfn-prose h2, .cfn-prose h3 { color: var(--cfn-ink); font-family: Inter, sans-serif; line-height: 1.25; letter-spacing: -.02em; scroll-margin-top: 105px; }
.cfn-prose h2 { margin: 2.1em 0 .65em; font-size: 1.8rem; }
.cfn-prose h3 { margin-top: 1.8em; font-size: 1.35rem; }
.cfn-prose a { overflow-wrap: anywhere; }
.cfn-prose img { border-radius: 14px; }
.cfn-prose .wp-block-quote, .cfn-prose blockquote { margin: 2em 0; padding: 18px 24px; border-left: 4px solid var(--cfn-green); background: var(--cfn-green-soft); }
.cfn-toc { position: sticky; top: 100px; padding: 23px; }
.cfn-toc h2 { margin: 0 0 13px; font-size: 1.1rem; }
.cfn-toc ol { margin: 0; padding-left: 20px; color: var(--cfn-muted); font-size: .84rem; }
.cfn-toc li + li { margin-top: 8px; }
.cfn-toc a { text-decoration: none; }
.cfn-author-note { margin-top: 40px; padding: 22px; border: 1px solid var(--cfn-line); border-radius: 14px; background: var(--cfn-surface-2); font-family: Inter, sans-serif; font-size: .88rem; }

.cfn-single-offer { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(300px, .65fr); gap: 34px; align-items: start; }
.cfn-offer-summary, .cfn-offer-side { padding: 30px; }
.cfn-offer-summary h1 { margin: 9px 0 13px; font-size: clamp(2rem, 4vw, 3.2rem); line-height: 1.12; }
.cfn-key-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin: 24px 0; }
.cfn-key-item { padding: 15px; border-radius: 10px; background: var(--cfn-surface-2); }
.cfn-key-item small { display: block; color: var(--cfn-muted); font-size: .72rem; text-transform: uppercase; }
.cfn-key-item strong { display: block; margin-top: 3px; }
.cfn-offer-side { position: sticky; top: 100px; }
.cfn-offer-side .cfn-btn { width: 100%; }
.cfn-offer-side .cfn-disclosure { margin-top: 12px; }

.cfn-calculator-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.cfn-calculator-card { display: flex; flex-direction: column; min-height: 290px; padding: 28px; }
.cfn-calculator-card h2 { margin: 17px 0 10px; font-size: 1.35rem; line-height: 1.25; letter-spacing: -.02em; }
.cfn-calculator-card h2 a { color: var(--cfn-ink); text-decoration: none; }
.cfn-calculator-card p { margin: 0 0 18px; color: var(--cfn-muted); }
.cfn-calculator-card .cfn-text-link { margin-top: auto; }
.cfn-calculator-icon { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 13px; color: #fff; background: var(--cfn-blue); font-family: Georgia, serif; font-size: 1.45rem; font-weight: 700; }
.cfn-methodology-note { margin-top: 28px; padding: 28px; background: var(--cfn-green-soft); }
.cfn-methodology-note h2 { margin: 0 0 6px; font-size: 1.35rem; }
.cfn-methodology-note p { margin: 0; color: #275647; }
.cfn-calculator-hero { background: radial-gradient(circle at 85% 10%, #e4f8f0 0, transparent 34%), #fff; }
.cfn-calculator-shell { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(360px, .95fr); gap: 24px; align-items: start; }
.cfn-calculator-form, .cfn-calculator-results { padding: 30px; }
.cfn-calculator-fields { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-bottom: 24px; }
.cfn-number-field label { font-size: .84rem; }
.cfn-number-field small { display: block; margin-top: 6px; color: var(--cfn-muted); font-size: .72rem; line-height: 1.4; }
.cfn-input-wrap { display: flex; align-items: center; min-height: 50px; border: 1px solid #aebbd0; border-radius: 9px; background: #fff; overflow: hidden; }
.cfn-input-wrap:focus-within { outline: 3px solid #f6ad22; outline-offset: 2px; border-color: transparent; }
.cfn-input-wrap span { flex: 0 0 auto; padding: 0 13px; color: #48586d; font-size: .82rem; font-weight: 750; }
.cfn-input-wrap input { width: 100%; min-width: 0; min-height: 48px; padding: 0 13px; border: 0; outline: 0; color: var(--cfn-ink); background: transparent; font-weight: 700; }
.cfn-input-wrap > span:first-child + input { padding-left: 0; }
.cfn-calculator-live-note { margin: 0; padding: 12px 14px; border: 1px solid #b9d8cc; border-radius: 9px; color: #275647; background: var(--cfn-green-soft); font-size: .8rem; font-weight: 700; text-align: center; }
.cfn-calculator-privacy { margin: 12px 0 0; color: var(--cfn-muted); font-size: .74rem; text-align: center; }
.cfn-calculator-results { position: sticky; top: 100px; color: #fff; background: var(--cfn-blue-dark); border-color: var(--cfn-blue-dark); box-shadow: var(--cfn-shadow); }
.cfn-calculator-results .cfn-eyebrow { color: #8de1c4; }
.cfn-calculator-results h2 { margin: 0 0 22px; color: #fff; font-size: 1.7rem; }
.cfn-result-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.cfn-result-item { padding: 16px; border: 1px solid rgba(255,255,255,.18); border-radius: 11px; background: rgba(255,255,255,.08); }
.cfn-result-item small { display: block; min-height: 2.7em; color: #cbd9ef; font-size: .72rem; line-height: 1.35; text-transform: uppercase; letter-spacing: .045em; }
.cfn-result-item strong { display: block; margin-top: 6px; color: #fff; font-size: 1.35rem; line-height: 1.2; overflow-wrap: anywhere; }
.cfn-calculator-disclaimer { margin: 20px 0 0; color: #d5e0f2; font-size: .75rem; line-height: 1.5; }
.cfn-calculator-explainer { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 28px; align-items: start; }
.cfn-calculator-faq { margin-top: 42px; padding-top: 30px; border-top: 1px solid var(--cfn-line); }
.cfn-calculator-faq > h2 { margin: 0 0 20px; font-size: 1.7rem; }
.cfn-calculator-faq .cfn-faq-list { max-width: none; }
.cfn-calculator-offers .cfn-section-head { margin-bottom: 24px; }

.cfn-site-footer { padding: 58px 0 30px; color: #d9e2ef; background: #0b1c30; }
.cfn-footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 40px; }
.cfn-site-footer .cfn-brand { color: #fff; }
.cfn-site-footer .cfn-brand small { color: #afbdd0; }
.cfn-footer-about { max-width: 380px; margin-top: 17px; color: #afbdd0; font-size: .85rem; }
.cfn-footer-title { margin: 0 0 13px; color: #fff; font-size: .84rem; letter-spacing: .07em; text-transform: uppercase; }
.cfn-footer-links { list-style: none; margin: 0; padding: 0; }
.cfn-footer-links li + li { margin-top: 9px; }
.cfn-footer-links a { color: #d9e2ef; text-decoration: none; font-size: .85rem; }
.cfn-footer-links a:hover { color: #fff; text-decoration: underline; }
.cfn-footer-bottom { display: flex; justify-content: space-between; gap: 25px; margin-top: 45px; padding-top: 24px; border-top: 1px solid #314056; color: #9eacbf; font-size: .76rem; }
.cfn-affiliate-box { margin-top: 20px; padding: 13px 15px; border: 1px solid #314056; border-radius: 9px; color: #b8c4d4; font-size: .74rem; }
.cfn-affiliate-module { margin: 32px 0; padding: 24px; border: 1px solid var(--cfn-line); border-radius: 14px; background: var(--cfn-surface-2); }
.cfn-affiliate-module-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.cfn-affiliate-card { padding: 22px; }
.cfn-affiliate-card h3 { margin: 8px 0 10px; font-size: 1.2rem; }
.cfn-affiliate-card .cfn-btn { margin-top: 8px; }
.cfn-affiliate-disclosure { margin: 0 0 16px; color: var(--cfn-muted); font-size: .8rem; line-height: 1.5; }
.cfn-affiliate-cta { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; }
.cfn-affiliate-cta small { color: var(--cfn-muted); }

.cfn-launchpad-hero { padding: 62px 0; color: #fff; background: radial-gradient(circle at 75% 20%, #244eaa 0, transparent 38%), var(--cfn-blue-dark); }
.cfn-launchpad-hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 50px; align-items: center; }
.cfn-launchpad-hero h1 { max-width: 760px; margin: 0; color: #fff; font-size: clamp(2.6rem, 5vw, 4.5rem); line-height: 1.04; letter-spacing: -.045em; }
.cfn-launchpad-hero p { max-width: 760px; margin: 20px 0 0; color: #d8e4ff; font-size: 1.08rem; }
.cfn-progress-card { padding: 26px; color: var(--cfn-ink); }
.cfn-progress-card strong { display: block; margin-top: 4px; font-size: 1.45rem; }
.cfn-progress-track { height: 11px; margin-top: 18px; border-radius: 999px; background: #dfe7f5; overflow: hidden; }
.cfn-progress-track span { display: block; width: 0; height: 100%; border-radius: inherit; background: var(--cfn-green); transition: width .2s ease; }
.cfn-reset-link { margin-top: 14px; padding: 0; border: 0; color: var(--cfn-blue); background: transparent; font-size: .8rem; font-weight: 750; cursor: pointer; }
.cfn-launchpad-layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 28px; align-items: start; }
.cfn-checklist { display: grid; gap: 20px; }
.cfn-checklist-group { padding: 28px; }
.cfn-checklist-group h2 { margin: 0 0 18px; font-size: 1.45rem; }
.cfn-checklist-items { display: grid; gap: 10px; }
.cfn-checklist-item { display: grid; grid-template-columns: 24px 1fr; gap: 13px; padding: 15px; border: 1px solid var(--cfn-line); border-radius: 12px; background: var(--cfn-surface); cursor: pointer; }
.cfn-checklist-item:has(input:checked) { border-color: #84c8b0; background: var(--cfn-green-soft); }
.cfn-checklist-item input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--cfn-green); }
.cfn-checklist-item strong, .cfn-checklist-item small { display: block; }
.cfn-checklist-item small { margin-top: 3px; color: var(--cfn-muted); line-height: 1.45; }
.cfn-launchpad-sidebar { position: sticky; top: 84px; display: grid; gap: 18px; }
.cfn-resource-panel, .cfn-privacy-panel { padding: 24px; }
.cfn-resource-panel h2 { margin: 0 0 14px; font-size: 1.35rem; }
.cfn-resource-panel a { display: block; padding: 13px 0; border-top: 1px solid var(--cfn-line); color: var(--cfn-ink); font-weight: 750; text-decoration: none; }
.cfn-resource-panel a span { display: block; color: var(--cfn-green-dark); font-size: .7rem; letter-spacing: .07em; text-transform: uppercase; }
.cfn-privacy-panel { border-color: #c8d8f2; background: var(--cfn-blue-soft); }
.cfn-privacy-panel p { margin: 7px 0 0; color: var(--cfn-muted); font-size: .82rem; }
.cfn-quick-tools { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.cfn-quick-tools a { display: flex; min-height: 140px; padding: 22px; flex-direction: column; justify-content: space-between; color: var(--cfn-ink); text-decoration: none; }
.cfn-quick-tools a span { color: var(--cfn-blue); font-size: .84rem; font-weight: 750; }

.cfn-credit-hero, .cfn-rent-hero { padding: 68px 0; background: radial-gradient(circle at 78% 18%, #e4ecff 0, transparent 36%), #fff; border-bottom: 1px solid var(--cfn-line); }
.cfn-credit-hero-grid, .cfn-rent-hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(330px, .7fr); gap: 54px; align-items: center; }
.cfn-credit-hero h1, .cfn-rent-hero h1 { max-width: 780px; margin: 0; font-size: clamp(2.7rem, 5vw, 4.7rem); line-height: 1.03; letter-spacing: -.05em; }
.cfn-credit-hero p, .cfn-rent-hero p { max-width: 790px; margin: 20px 0 0; color: var(--cfn-muted); font-size: 1.08rem; }
.cfn-credit-hero-card, .cfn-rent-warning { padding: 26px; }
.cfn-credit-hero-card dl { display: grid; gap: 0; margin: 0; }
.cfn-credit-hero-card dl div { padding: 14px 0; border-top: 1px solid var(--cfn-line); }
.cfn-credit-hero-card dt { font-weight: 800; }
.cfn-credit-hero-card dd { margin: 3px 0 0; color: var(--cfn-muted); font-size: .82rem; }
.cfn-credit-route { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(300px, .9fr); gap: 24px; padding: 28px; }
.cfn-credit-route form { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; align-items: end; }
.cfn-credit-route form .cfn-btn { grid-column: 1 / -1; }
.cfn-credit-route-result { padding: 24px; border-radius: 13px; color: #073c2d; background: var(--cfn-green-soft); }
.cfn-credit-route-result strong { display: block; font-size: 1.25rem; line-height: 1.3; }
.cfn-credit-route-result p { margin: 8px 0 13px; }
.cfn-credit-route-result a { font-weight: 800; }
.cfn-credit-factor-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.cfn-credit-factor-grid article { padding: 22px; }
.cfn-credit-factor-grid article > span { color: var(--cfn-green-dark); font-size: .72rem; font-weight: 800; letter-spacing: .08em; }
.cfn-credit-factor-grid h3 { margin: 8px 0; font-size: 1.08rem; }
.cfn-credit-factor-grid p { margin: 0; color: var(--cfn-muted); font-size: .86rem; }
.cfn-credit-roadmap-layout { display: grid; grid-template-columns: minmax(0, 1fr) 370px; gap: 28px; align-items: start; }
.cfn-credit-checklist { padding: 24px; }
.cfn-credit-checklist > label { display: grid; grid-template-columns: 22px 1fr; gap: 12px; padding: 14px; border-bottom: 1px solid var(--cfn-line); cursor: pointer; }
.cfn-credit-checklist > label:has(input:checked) { color: #075943; background: var(--cfn-green-soft); }
.cfn-credit-checklist input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--cfn-green); }
.cfn-credit-checklist-progress { display: flex; justify-content: space-between; gap: 18px; padding: 18px 14px 0; }
.cfn-credit-checklist-progress button { padding: 0; border: 0; color: var(--cfn-blue); background: transparent; font-weight: 750; cursor: pointer; }
.cfn-credit-official { position: sticky; top: 84px; padding: 24px; }
.cfn-credit-official h2 { margin: 0 0 12px; font-size: 1.35rem; }
.cfn-credit-official a { display: block; padding: 15px 0; border-top: 1px solid var(--cfn-line); color: var(--cfn-ink); text-decoration: none; }
.cfn-credit-official a strong, .cfn-credit-official a span { display: block; }
.cfn-credit-official a span { margin-top: 3px; color: var(--cfn-muted); font-size: .78rem; }

.cfn-rent-hero { background: radial-gradient(circle at 82% 20%, #e3f7ee 0, transparent 36%), #fff; }
.cfn-rent-warning { border-color: #e9ba74; background: #fff8eb; }
.cfn-rent-warning strong { display: block; font-size: 1.35rem; line-height: 1.3; }
.cfn-rent-warning p { margin: 9px 0 0; font-size: .86rem; }
.cfn-rent-check { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(300px, .9fr); gap: 24px; padding: 28px; }
.cfn-rent-check form { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; align-items: end; }
.cfn-rent-live-note { grid-column: 1 / -1; margin: 0; padding: 11px 14px; border: 1px solid #b9d8cc; border-radius: 9px; color: #275647; background: var(--cfn-green-soft); font-size: .8rem; font-weight: 700; text-align: center; }
.cfn-rent-check-result { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; padding: 22px; border-radius: 13px; color: #fff; background: var(--cfn-blue-dark); }
.cfn-rent-check-result div { padding: 13px; border: 1px solid rgba(255,255,255,.18); border-radius: 10px; background: rgba(255,255,255,.07); }
.cfn-rent-check-result small, .cfn-rent-check-result strong { display: block; }
.cfn-rent-check-result small { color: #cddbf3; }
.cfn-rent-check-result strong { margin-top: 3px; font-size: 1.35rem; }
.cfn-rent-check-result p, .cfn-rent-check-result a { grid-column: 1 / -1; }
.cfn-rent-check-result p { margin: 4px 0; color: #dce6f7; font-size: .82rem; }
.cfn-rent-check-result a { color: #fff; font-weight: 800; }
.cfn-rent-evidence-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.cfn-rent-evidence-grid article { padding: 24px; }
.cfn-rent-evidence-grid article > span { color: var(--cfn-green-dark); font-size: .72rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.cfn-rent-evidence-grid h3 { margin: 7px 0; }
.cfn-rent-evidence-grid p { margin: 0; color: var(--cfn-muted); font-size: .86rem; }
.cfn-rent-safety-layout { display: grid; grid-template-columns: minmax(0, 1fr) 400px; gap: 42px; align-items: start; }
.cfn-rent-safety-layout h2 { margin: 0; font-size: clamp(2rem, 3vw, 3rem); }
.cfn-rent-safety-layout p { color: var(--cfn-muted); }
.cfn-rent-action-list { display: grid; gap: 9px; margin-top: 22px; }
.cfn-rent-action-list a { padding: 13px 15px; border: 1px solid var(--cfn-line); border-radius: 10px; background: #fff; font-weight: 750; text-decoration: none; }
.cfn-rent-scam-card { padding: 25px; border-color: #e9ba74; background: #fff8eb; }
.cfn-rent-scam-card h2 { font-size: 1.5rem; }
.cfn-rent-scam-card ul { padding-left: 20px; }
.cfn-rent-scam-card li + li { margin-top: 8px; }
.cfn-rent-scam-card a { font-weight: 800; }
.cfn-rent-step-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.cfn-rent-step-grid article { display: grid; grid-template-columns: 38px 1fr; gap: 12px; align-items: start; padding: 20px; border: 1px solid var(--cfn-line); border-radius: 13px; background: #fff; }
.cfn-rent-step-grid strong { width: 34px; height: 34px; display: grid; place-items: center; border-radius: 50%; color: #fff; background: var(--cfn-blue); }

.cfn-language-hero { padding: 68px 0; border-bottom: 1px solid var(--cfn-line); background: radial-gradient(circle at 80% 20%, #f1e9ff 0, transparent 37%), #fff; }
.cfn-language-hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(320px, .7fr); gap: 54px; align-items: center; }
.cfn-language-hero h1 { max-width: 820px; margin: 0; font-size: clamp(2.7rem, 5vw, 4.7rem); line-height: 1.03; letter-spacing: -.05em; }
.cfn-language-hero p { max-width: 800px; margin: 20px 0 0; color: var(--cfn-muted); font-size: 1.08rem; }
.cfn-language-principle { padding: 28px; border-color: #d7c6f2; background: #fbf8ff; }
.cfn-language-principle strong { display: block; font-size: 1.45rem; line-height: 1.25; }
.cfn-language-principle p { margin: 10px 0 0; font-size: .88rem; }
.cfn-language-route { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(300px, .9fr); gap: 24px; padding: 28px; }
.cfn-language-route form { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; align-items: end; }
.cfn-language-route form .cfn-btn { grid-column: 1 / -1; }
.cfn-language-result { padding: 24px; border-radius: 13px; color: #342059; background: #f3edff; }
.cfn-language-result strong { display: block; font-size: 1.25rem; }
.cfn-language-result p { margin: 9px 0 0; }
.cfn-language-scenarios { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.cfn-language-scenarios article { padding: 24px; }
.cfn-language-scenarios article > span { color: #6d42ac; font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.cfn-language-scenarios h3 { margin: 7px 0; }
.cfn-language-scenarios p { margin: 0; color: var(--cfn-muted); font-size: .86rem; }
.cfn-language-layout { display: grid; grid-template-columns: minmax(0, 1fr) 370px; gap: 28px; align-items: start; }
.cfn-language-checklist { padding: 24px; }
.cfn-language-checklist > label { display: grid; grid-template-columns: 22px 1fr; gap: 12px; padding: 14px; border-bottom: 1px solid var(--cfn-line); cursor: pointer; }
.cfn-language-checklist > label:has(input:checked) { color: #4c287e; background: #f3edff; }
.cfn-language-checklist input { width: 18px; height: 18px; margin-top: 3px; accent-color: #6d42ac; }
.cfn-language-official { position: sticky; top: 84px; padding: 24px; }
.cfn-language-official h2 { margin: 0 0 12px; font-size: 1.35rem; }
.cfn-language-official a { display: block; padding: 15px 0; border-top: 1px solid var(--cfn-line); color: var(--cfn-ink); text-decoration: none; }
.cfn-language-official a strong, .cfn-language-official a span { display: block; }
.cfn-language-official a span { margin-top: 3px; color: var(--cfn-muted); font-size: .78rem; }

.cfn-tool-hero { padding: 68px 0; border-bottom: 1px solid var(--cfn-line); background: radial-gradient(circle at 80% 18%, #e5f6ef 0, transparent 38%), #fff; }
.cfn-remittance-hero { background: radial-gradient(circle at 80% 18%, #e7efff 0, transparent 38%), #fff; }
.cfn-moving-hero { background: radial-gradient(circle at 80% 18%, #fff0d8 0, transparent 38%), #fff; }
.cfn-tool-hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(320px, .7fr); gap: 54px; align-items: center; }
.cfn-tool-hero h1 { max-width: 820px; margin: 8px 0 0; font-size: clamp(2.7rem, 5vw, 4.7rem); line-height: 1.03; letter-spacing: -.05em; }
.cfn-tool-hero p { max-width: 780px; margin: 20px 0 0; color: var(--cfn-muted); font-size: 1.08rem; }
.cfn-tool-callout { padding: 28px; border-color: #b9d8cc; background: rgba(255,255,255,.9); }
.cfn-tool-callout strong { display: block; font-size: 1.42rem; line-height: 1.3; }
.cfn-tool-callout p { margin: 10px 0 0; font-size: .88rem; }
.cfn-tool-shell { display: grid; grid-template-columns: minmax(0, 1fr) 410px; gap: 28px; align-items: start; }
.cfn-tool-form { padding: 28px; }
.cfn-tool-form-head { display: flex; justify-content: space-between; gap: 20px; align-items: start; margin-bottom: 22px; }
.cfn-tool-form-head h2 { margin: 3px 0 0; font-size: 1.65rem; }
.cfn-tool-fields { display: grid; grid-template-columns: repeat(2, 1fr); gap: 17px; }
.cfn-field-wide { grid-column: 1 / -1; }
.cfn-tool-results { position: sticky; top: 84px; padding: 28px; color: #fff; border-color: var(--cfn-blue-dark); background: var(--cfn-blue-dark); }
.cfn-tool-results .cfn-eyebrow { color: #8de1c4; }
.cfn-tool-results h2 { margin: 4px 0 20px; color: #fff; font-size: 1.65rem; }
.cfn-tool-results > p { color: #d5e0f2; font-size: .82rem; line-height: 1.5; }
.cfn-budget-meter { height: 12px; margin: 22px 0 0; overflow: hidden; border-radius: 999px; background: rgba(255,255,255,.18); }
.cfn-budget-meter span { display: block; width: 0; height: 100%; border-radius: inherit; background: #72d4b1; transition: width .2s ease; }
.cfn-budget-meter span.is-over { background: #ff9e90; }
.cfn-tool-guides { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.cfn-tool-guides article { padding: 24px; }
.cfn-tool-guides article > span { color: var(--cfn-green-dark); font-size: .72rem; font-weight: 800; letter-spacing: .08em; }
.cfn-tool-guides h3 { margin: 7px 0; }
.cfn-tool-guides p { margin: 0; color: var(--cfn-muted); font-size: .86rem; }
.cfn-tool-guides a { display: inline-block; margin-top: 13px; font-size: .82rem; font-weight: 800; }
.cfn-remittance-form { display: grid; gap: 20px; }
.cfn-remittance-common { display: grid; grid-template-columns: minmax(260px, .55fr) 1fr; gap: 28px; align-items: end; padding: 24px; }
.cfn-remittance-common p { margin: 0 0 8px; color: var(--cfn-muted); }
.cfn-remittance-options { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.cfn-remittance-option { display: grid; gap: 16px; margin: 0; padding: 26px; }
.cfn-remittance-option legend { padding: 0 8px; font-size: 1.35rem; font-weight: 850; }
.cfn-remittance-output { margin-top: 5px; padding: 18px; border-radius: 12px; color: #fff; background: var(--cfn-blue-dark); }
.cfn-remittance-output small, .cfn-remittance-output strong, .cfn-remittance-output span { display: block; }
.cfn-remittance-output small, .cfn-remittance-output span { color: #cddbf3; }
.cfn-remittance-output strong { margin: 4px 0; font-size: 1.3rem; overflow-wrap: anywhere; }
.cfn-remittance-verdict { margin-top: 20px; padding: 26px; border-color: #9bcdbb; background: var(--cfn-green-soft); }
.cfn-remittance-verdict h2 { margin: 4px 0 8px; }
.cfn-remittance-verdict p { margin: 0; color: var(--cfn-muted); }
.cfn-moving-checklist { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.cfn-moving-phase { padding: 24px; }
.cfn-moving-phase h3 { margin: 0 0 12px; }
.cfn-moving-phase label { display: grid; grid-template-columns: 21px 1fr; gap: 11px; padding: 13px 0; border-top: 1px solid var(--cfn-line); cursor: pointer; }
.cfn-moving-phase label:has(input:checked) { color: var(--cfn-green-dark); }
.cfn-moving-phase input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--cfn-green); }

@media (max-width: 1120px) {
  .cfn-header-cta { display: none; }
  .cfn-primary-nav ul { gap: 13px; }
}

@media (max-width: 980px) {
  .cfn-header-cta { display: none; }
  .cfn-primary-nav ul { gap: 12px; }
  .cfn-hero-grid { grid-template-columns: 1fr; }
  .cfn-hero-visual { min-height: 420px; }
  .cfn-hero-visual img { min-height: 420px; }
  .cfn-path-grid, .cfn-method-grid, .cfn-guide-grid { grid-template-columns: repeat(2, 1fr); }
  .cfn-method-card::after { display: none; }
  .cfn-offer-card { grid-template-columns: .7fr 1.3fr; }
  .cfn-offer-facts { grid-column: 1 / -1; border-top: 1px solid var(--cfn-line); }
  .cfn-offer-copy { border-right: 0; }
  .cfn-article-grid { grid-template-columns: 1fr; }
  .cfn-calculator-grid { grid-template-columns: repeat(2, 1fr); }
  .cfn-calculator-shell { grid-template-columns: 1fr; }
  .cfn-calculator-results { position: static; }
  .cfn-toc { position: static; order: -1; }
  .cfn-footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .cfn-footer-grid > div:last-child { grid-column: 2 / -1; }
  .cfn-life-task-grid, .cfn-quick-tools { grid-template-columns: repeat(2, 1fr); }
  .cfn-launchpad-hero-grid, .cfn-launchpad-layout { grid-template-columns: 1fr; }
  .cfn-launchpad-sidebar { position: static; }
  .cfn-credit-hero-grid, .cfn-rent-hero-grid, .cfn-language-hero-grid, .cfn-tool-hero-grid, .cfn-credit-route, .cfn-credit-roadmap-layout, .cfn-rent-check, .cfn-rent-safety-layout, .cfn-language-route, .cfn-language-layout, .cfn-tool-shell { grid-template-columns: 1fr; }
  .cfn-credit-factor-grid { grid-template-columns: repeat(2, 1fr); }
  .cfn-rent-evidence-grid, .cfn-rent-step-grid { grid-template-columns: repeat(2, 1fr); }
  .cfn-credit-official, .cfn-language-official { position: static; }
  .cfn-tool-results { position: static; }
  .cfn-tool-guides { grid-template-columns: repeat(2, 1fr); }
  .cfn-loan-flow { grid-template-columns: repeat(2, 1fr); }
  .cfn-loan-content-layout { grid-template-columns: 1fr; }
  .cfn-loan-quick-card { position: static; }
}

@media (max-width: 760px) {
  .cfn-container { width: min(calc(100% - 28px), var(--cfn-container)); }
  .cfn-header-inner { min-height: 60px; }
  .cfn-brand { font-size: .94rem; }
  .cfn-brand-mark { width: 32px; height: 32px; }
  .cfn-menu-toggle { display: grid; margin-left: 0; place-items: center; }
  .cfn-header-loan-cta { display: inline-flex; min-height: 36px; margin-left: auto; padding-inline: 12px; font-size: .7rem; }
  .cfn-header-loan-cta-full { display: none; }
  .cfn-header-loan-cta-compact { display: inline; }
  .cfn-primary-nav { display: none; position: absolute; top: 60px; right: 0; left: 0; padding: 16px; border-bottom: 1px solid var(--cfn-line); background: #fff; }
  .cfn-primary-nav.is-open { display: block; }
  .cfn-primary-nav ul { align-items: stretch; flex-direction: column; gap: 0; }
  .cfn-primary-nav a { display: block; padding: 11px 8px; }
  .cfn-hero { padding: 54px 0 48px; }
  .cfn-hero h1 { font-size: clamp(2.35rem, 12vw, 3.5rem); }
  .cfn-hero-grid { gap: 38px; }
  .cfn-hero-visual, .cfn-hero-visual img { min-height: 350px; }
  .cfn-estimate-card { right: 14px; bottom: 14px; left: 14px; padding: 18px; }
  .cfn-trust-grid { grid-template-columns: 1fr; gap: 12px; text-align: left; }
  .cfn-section { padding: 54px 0; }
  .cfn-section-head { align-items: start; flex-direction: column; }
  .cfn-path-grid, .cfn-method-grid, .cfn-guide-grid { grid-template-columns: 1fr; }
  .cfn-offer-card { grid-template-columns: 1fr; }
  .cfn-offer-brand, .cfn-offer-copy { border-right: 0; border-bottom: 1px solid var(--cfn-line); }
  .cfn-matcher { grid-template-columns: 1fr; padding: 22px; }
  .cfn-matcher-form { grid-template-columns: 1fr; }
  .cfn-cta-band { grid-template-columns: 1fr; padding: 30px 24px; }
  .cfn-archive-layout, .cfn-single-offer { grid-template-columns: 1fr; }
  .cfn-calculator-grid, .cfn-calculator-explainer { grid-template-columns: 1fr; }
  .cfn-calculator-fields { grid-template-columns: 1fr; }
  .cfn-filter-panel, .cfn-offer-side { position: static; }
  .cfn-page-hero { padding: 45px 0 32px; }
  .cfn-loan-nav-inner { align-items: flex-start; flex-direction: column; gap: 10px; padding-block: 14px; }
  .cfn-loan-nav-links { width: 100%; display: grid; grid-template-columns: 1fr 1fr; }
  .cfn-loan-nav-links a { text-align: center; }
  .cfn-loan-flow-band { padding-block: 30px; }
  .cfn-loan-flow { grid-template-columns: 1fr; }
  .cfn-loan-guide-content { padding: 22px; }
  .cfn-article-wrap { padding-top: 40px; }
  .cfn-article-header h1 { font-size: clamp(2.25rem, 12vw, 3.4rem); }
  .cfn-article-grid { gap: 28px; margin-top: 30px; }
  .cfn-prose { font-size: 1.04rem; }
  .cfn-footer-grid { grid-template-columns: 1fr 1fr; }
  .cfn-footer-grid > div:first-child, .cfn-footer-grid > div:last-child { grid-column: 1 / -1; }
  .cfn-footer-bottom { flex-direction: column; }
  .cfn-life-task-grid, .cfn-quick-tools { grid-template-columns: 1fr; }
  .cfn-launchpad-hero { padding: 48px 0; }
  .cfn-launchpad-hero h1 { font-size: clamp(2.35rem, 12vw, 3.4rem); }
  .cfn-checklist-group { padding: 20px; }
  .cfn-credit-hero, .cfn-rent-hero, .cfn-language-hero, .cfn-tool-hero { padding: 48px 0; }
  .cfn-credit-hero h1, .cfn-rent-hero h1, .cfn-language-hero h1, .cfn-tool-hero h1 { font-size: clamp(2.35rem, 12vw, 3.5rem); }
  .cfn-credit-route form, .cfn-rent-check form, .cfn-language-route form { grid-template-columns: 1fr; }
  .cfn-credit-factor-grid, .cfn-rent-evidence-grid, .cfn-rent-step-grid, .cfn-language-scenarios { grid-template-columns: 1fr; }
  .cfn-tool-fields, .cfn-remittance-options, .cfn-remittance-common, .cfn-moving-checklist, .cfn-tool-guides { grid-template-columns: 1fr; }
  .cfn-field-wide { grid-column: auto; }
  .cfn-partner-handoff, .cfn-request-card, .cfn-inline-partner-cta, .cfn-calculator-partner-cta { padding: 22px; }
  .cfn-roundsky-wrap #rsForm { min-height: 980px; }
}

/* Modern Calculator Redesign */
.cfn-calculator-shell {
  background: linear-gradient(145deg, #ffffff, #fcfcfd);
  border: 1px solid rgba(0,0,0,0.05);
  border-radius: 16px;
  box-shadow: 0 12px 36px rgba(0,0,0,0.04), 0 4px 12px rgba(0,0,0,0.02);
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.cfn-calculator-shell:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 48px rgba(0,0,0,0.06), 0 6px 16px rgba(0,0,0,0.03);
}

.cfn-calculator-form {
  padding: 32px;
  border: none;
  background: transparent;
  box-shadow: none;
}

.cfn-calculator-results {
  background: var(--cfn-soft);
  border: none;
  border-left: 1px solid rgba(0,0,0,0.05);
  border-radius: 0 16px 16px 0;
  padding: 36px 32px;
  box-shadow: none;
  position: relative;
  overflow: hidden;
}

.cfn-calculator-results::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(135deg, rgba(23,109,103,0.03) 0%, rgba(23,109,103,0) 100%);
  pointer-events: none;
}

.cfn-result-item strong {
  font-size: 2rem;
  font-weight: 700;
  color: var(--cfn-text);
  letter-spacing: -0.02em;
  transition: color 0.3s ease, transform 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  display: inline-block;
}

.cfn-calculator-shell.is-calculating .cfn-result-item strong {
  transform: scale(1.05);
  color: var(--cfn-link);
}

@media (max-width: 980px) {
  .cfn-calculator-results {
    border-left: none;
    border-top: 1px solid rgba(0,0,0,0.05);
    border-radius: 0 0 16px 16px;
  }
}

/* Promo Banner (SEO-friendly) */
.cfn-promo-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: linear-gradient(135deg, var(--cfn-link) 0%, #115752 100%);
  color: #fff;
  padding: 24px 32px;
  border-radius: 12px;
  margin: 32px 0;
  box-shadow: 0 8px 24px rgba(23,109,103,0.2);
  gap: 24px;
}

.cfn-promo-banner-content h3 {
  color: #fff;
  margin: 0 0 8px 0;
  font-size: 1.25rem;
}

.cfn-promo-banner-content p {
  margin: 0;
  color: rgba(255,255,255,0.9);
  font-size: 0.95rem;
}

.cfn-promo-banner-action .cfn-btn {
  background: #fff;
  color: var(--cfn-link);
  white-space: nowrap;
  border: none;
  font-weight: 600;
}

.cfn-promo-banner-action .cfn-btn:hover {
  background: #f0f4f4;
  color: #0d423e;
}

@media (max-width: 640px) {
  .cfn-promo-banner {
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
  }
  .cfn-promo-banner-action {
    width: 100%;
  }
  .cfn-promo-banner-action .cfn-btn {
    width: 100%;
    text-align: center;
    justify-content: center;
  }
}

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