/* Sapientia Foundation — shared styles.
   Design system carried over from vermilionvitez.com: dark navy ground,
   Playfair Display + Inter, vermilion/gold accents, pill buttons, grain overlay. */
:root{
  --bg:#0b1220; --surface:#131c2c; --raised:#1b2537; --border:#263248;
  --text:#dce3ee; --muted:#93a0b4; --heading:#eef2f7;
  --navy:#0A2540; --verm:#C1440E; --verm-light:#E2543E; --gold:#9C7A3C;
  --gold-lift:#B8955A; --green:#10B981; --blue:#2E7CE8;
  --serif:'Playfair Display',Georgia,serif; --sans:'Inter',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--bg);color:var(--text);font-family:var(--sans);line-height:1.6;overflow-x:hidden}
body::after{content:"";position:fixed;inset:0;pointer-events:none;opacity:.05;z-index:60;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
a{color:inherit;text-decoration:none}
a:focus-visible,button:focus-visible{outline:2px solid var(--verm-light);outline-offset:2px}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 32px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0}
.skip-link{position:fixed;top:10px;left:10px;z-index:200;background:var(--navy);color:#fff;font-size:14px;font-weight:600;padding:10px 18px;border-radius:6px;transform:translateY(-300%)}
.skip-link:focus-visible{transform:none}

/* nav */
nav{position:fixed;top:0;left:0;right:0;z-index:100;padding:16px 0;transition:background .25s ease,box-shadow .25s ease}
nav.scrolled{background:rgba(11,18,32,.9);backdrop-filter:blur(14px);box-shadow:0 1px 0 var(--border)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;gap:11px;font-family:var(--serif);font-weight:700;font-size:19px;color:var(--heading);letter-spacing:.01em;white-space:nowrap}
.logo svg{width:30px;height:30px;flex:none}
.nav-links{display:flex;align-items:center;gap:20px;font-size:14px;font-weight:500;color:var(--muted);white-space:nowrap}
.nav-links a:hover{color:var(--heading)}
.nav-links a[href="/credit-tool/"]{color:var(--gold-lift);font-weight:600}
.nav-links a[href="/credit-tool/"]:hover{color:var(--gold)}
.btn{display:inline-block;border-radius:999px;padding:11px 22px;font-weight:600;font-size:14.5px;font-family:var(--sans);
  background:linear-gradient(135deg,var(--verm),#8a3009);color:#fff;border:none;cursor:pointer;transition:transform .2s ease}
.btn:active{transform:scale(.97)}
.btn.ghost{background:rgba(255,255,255,.07);color:var(--text);border:1px solid var(--border)}
.btn.lg{padding:14px 30px;font-size:15.5px}
#menu-btn{display:none;width:42px;height:42px;align-items:center;justify-content:center;border:none;background:none;color:var(--heading);cursor:pointer;border-radius:10px}
#menu-btn svg{width:24px;height:24px}

/* hero */
.hero{position:relative;min-height:92vh;display:flex;align-items:center;padding:130px 0 80px;
  background:radial-gradient(ellipse at 70% 0%,rgba(46,124,232,.14),transparent 55%),radial-gradient(ellipse at 0% 60%,rgba(193,68,14,.12),transparent 50%)}
.hero h1{font-family:var(--serif);font-weight:800;color:var(--heading);font-size:clamp(2.3rem,5.5vw,4rem);line-height:1.08;letter-spacing:-.01em;max-width:16ch}
.hero .lede{margin-top:24px;font-size:clamp(1.05rem,2vw,1.3rem);color:var(--muted);max-width:52ch}
.hero .cta-row{margin-top:36px;display:flex;flex-wrap:wrap;gap:14px}
.eyebrow{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-lift);margin-bottom:20px}

/* sections */
section{padding:88px 0;position:relative}
section.alt{background:var(--surface)}
.s-head{max-width:60ch;margin-bottom:48px}
.s-head h2{font-family:var(--serif);font-weight:700;color:var(--heading);font-size:clamp(1.8rem,3.5vw,2.6rem);line-height:1.15}
.s-head p{margin-top:16px;color:var(--muted);font-size:1.05rem}
.prose p{margin-top:16px;max-width:65ch}
.prose p:first-child{margin-top:0}

.grid{display:grid;gap:20px}
.grid.c2{grid-template-columns:repeat(2,1fr)}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--raised);border:1px solid var(--border);border-radius:16px;padding:26px}
.card h3{font-family:var(--serif);font-weight:600;color:var(--heading);font-size:1.2rem;margin-bottom:10px}
.card p{color:var(--muted);font-size:.96rem}
.card .ic{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;background:rgba(193,68,14,.14);color:var(--verm-light);margin-bottom:16px}
.card .ic svg{width:20px;height:20px}

.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:8px}
.stat{background:var(--raised);border:1px solid var(--border);border-radius:16px;padding:26px}
.stat .n{font-family:var(--serif);font-weight:800;color:var(--heading);font-size:2.4rem;line-height:1}
.stat .l{margin-top:10px;color:var(--muted);font-size:.95rem}

.pill-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.pill-list li{list-style:none;background:var(--raised);border:1px solid var(--border);border-radius:999px;padding:8px 16px;font-size:.9rem;color:var(--text)}

.callout{background:var(--raised);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:12px;padding:24px 26px}
.callout h3{font-family:var(--serif);color:var(--heading);font-size:1.15rem;margin-bottom:8px}
.callout p{color:var(--muted);font-size:.96rem}

.cta-band{background:linear-gradient(135deg,var(--navy),#06192e);border:1px solid var(--border);border-radius:20px;padding:48px;text-align:center}
.cta-band h2{font-family:var(--serif);color:var(--heading);font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:14px}
.cta-band p{color:var(--muted);max-width:52ch;margin:0 auto 28px}

/* footer */
footer{border-top:1px solid var(--border);padding:64px 0 40px;font-size:13.5px;color:var(--muted);background:var(--bg)}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.f-tag{margin-top:12px;max-width:34ch}
.f-h{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-lift);margin-bottom:12px}
.f-col a{display:block;padding:5px 0}
.f-col a:hover{color:var(--heading)}
.f-bottom{margin-top:44px;padding-top:24px;border-top:1px solid var(--border);display:flex;flex-direction:column;gap:14px}
.disclaimer{max-width:760px;line-height:1.6;font-size:12px;opacity:.85}

/* interior page hero with illustration */
.page-hero{padding:128px 0 56px;background:radial-gradient(ellipse at 80% 0%,rgba(46,124,232,.13),transparent 55%)}
.page-hero .split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.page-hero h1{font-family:var(--serif);font-weight:800;color:var(--heading);font-size:clamp(2rem,4.5vw,3.2rem);line-height:1.1;letter-spacing:-.01em}
.page-hero .lede{margin-top:20px;color:var(--muted);font-size:1.12rem;max-width:48ch}
.crumbs{font-size:12.5px;color:var(--muted);margin-bottom:18px;letter-spacing:.04em}
.crumbs a:hover{color:var(--heading)}
.art{border:1px solid var(--border);border-radius:20px;background:var(--surface);padding:0;overflow:hidden;line-height:0}
.art svg,.art img{width:100%;height:auto;display:block}
.figure{margin-top:28px;border:1px solid var(--border);border-radius:16px;overflow:hidden;background:var(--surface)}
.figure svg{width:100%;height:auto;display:block}
.figure figcaption{padding:12px 18px;font-size:12.5px;color:var(--muted);border-top:1px solid var(--border)}

.note{background:var(--raised);border:1px solid var(--border);border-left:3px solid var(--blue);border-radius:12px;padding:18px 22px;font-size:.95rem;color:var(--muted);margin-top:24px}
.note strong{color:var(--heading)}

.steps{counter-reset:s;display:grid;gap:16px;margin-top:8px}
.steps li{list-style:none;background:var(--raised);border:1px solid var(--border);border-radius:14px;padding:20px 22px 20px 60px;position:relative}
.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:18px;top:18px;width:28px;height:28px;border-radius:50%;
  background:linear-gradient(135deg,var(--verm),#8a3009);color:#fff;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center}
.steps h3{font-family:var(--serif);color:var(--heading);font-size:1.1rem;margin-bottom:6px}
.steps p{color:var(--muted);font-size:.95rem}

/* credit tool form */
.tool{background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:28px}
.tool label{display:block;font-weight:600;color:var(--heading);font-size:.95rem;margin:16px 0 6px}
.tool input,.tool textarea,.tool select{width:100%;background:var(--bg);border:1px solid var(--border);border-radius:10px;
  padding:11px 13px;color:var(--text);font:inherit}
.tool input[type=file]{padding:9px}
.tool .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.dropzone{border:1.5px dashed var(--border);border-radius:12px;padding:28px;text-align:center;color:var(--muted);cursor:pointer;transition:border-color .2s}
.dropzone.drag{border-color:var(--verm-light);color:var(--text)}
#tool-status{margin-top:16px;font-size:.95rem;color:var(--muted)}
.findings{margin-top:20px;display:grid;gap:10px}
.finding{background:var(--raised);border:1px solid var(--border);border-radius:12px;padding:14px 16px;font-size:.92rem}
.finding .tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 9px;border-radius:999px;margin-right:8px}
.finding .tag.flag{background:rgba(193,68,14,.16);color:var(--verm-light)}
.finding .tag.ok{background:rgba(147,160,180,.16);color:var(--muted)}
pre.rawtext{margin-top:16px;max-height:320px;overflow:auto;background:var(--bg);border:1px solid var(--border);border-radius:10px;
  padding:14px;font-size:12px;color:var(--muted);white-space:pre-wrap}

/* nav collapses to a hamburger before the 6 links + button would crowd */
@media (max-width:1100px){
  .nav-links{display:none}
  #menu-btn{display:flex}
  .nav-links.open{display:flex;position:fixed;inset:63px 0 0;flex-direction:column;background:var(--bg);padding:8px 28px 48px;gap:0;overflow-y:auto;z-index:99}
  .nav-links.open a:not(.btn){padding:17px 2px;font-size:17px;color:var(--heading);border-bottom:1px solid var(--border);width:100%}
  .nav-links.open a.btn{margin-top:22px;text-align:center;width:100%}
  body.menu-open{overflow:hidden}
}
@media (max-width:900px){
  .grid.c3,.grid.c4{grid-template-columns:repeat(2,1fr)}
}
/* ---- credit dispute wizard ---- */
.dc-prog{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0 0 24px;padding:0}
.dc-prog li{display:flex;align-items:center;gap:8px;font-size:12.5px;color:var(--muted);background:var(--raised);border:1px solid var(--border);border-radius:999px;padding:6px 14px;cursor:pointer}
.dc-prog li span{width:20px;height:20px;border-radius:50%;background:var(--border);color:var(--heading);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700}
.dc-prog li.on{color:var(--heading);border-color:var(--verm-light)}
.dc-prog li.on span{background:linear-gradient(135deg,var(--verm),#8a3009);color:#fff}
.dc-prog li.done span{background:var(--green);color:#04231a}
.dc-panel{background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:28px}
.dc-panel h2{font-family:var(--serif);color:var(--heading);font-size:1.4rem;margin-bottom:6px}
.dc-sub{color:var(--muted);font-size:.94rem;margin-bottom:16px}
.dc-nav{display:flex;justify-content:space-between;margin-top:20px}
.dc-card{background:var(--raised);border:1px solid var(--border);border-radius:12px;padding:16px;margin-bottom:12px}
.dc-card-h{display:flex;justify-content:space-between;align-items:center;gap:12px}
.dc-card-b{color:var(--muted);font-size:.9rem;margin:6px 0 10px}
.dc-card select,.dc-card input{width:100%;background:var(--bg);border:1px solid var(--border);border-radius:9px;padding:9px 11px;color:var(--text);font:inherit;margin-top:8px}
.dc-x{background:none;border:none;color:var(--muted);font-size:12px;cursor:pointer;text-decoration:underline;flex:none}
.dc-actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:6px}
.dc-tag{font-size:12px;color:var(--muted);background:var(--bg);border:1px solid var(--border);border-radius:999px;padding:5px 12px}
.dc-io{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.finding .tag.flag{background:rgba(193,68,14,.16);color:var(--verm-light);font-size:11px;font-weight:700;padding:2px 8px;border-radius:999px}

@media (max-width:860px){
  .page-hero .split{grid-template-columns:1fr;gap:28px}
  .tool .row{grid-template-columns:1fr}
  .grid.c2,.grid.c3,.grid.c4{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr}
  .f-grid{grid-template-columns:1fr;gap:28px}
  .cta-band{padding:32px 24px}
  section{padding:64px 0}
}