/* CrediteIFN – Shared CSS for all subpages */
:root{
  --primary:#1E3A8A;--primary-dk:#172554;--primary-lt:#3B82F6;--primary-pale:#dbeafe;
  --bg-hero:linear-gradient(160deg,#0ea5e9 0%,#0369a1 35%,#1e3a8a 70%,#0f172a 100%);
  --accent:#F97316;--accent-dk:#ea580c;
  --text:#111827;--text2:#6b7280;
  --bg:#F9FAFB;--white:#fff;--border:#E5E7EB;--radius:14px;
  --shadow:0 8px 32px rgba(30,58,138,.12);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Nunito',sans-serif;color:var(--text);background:var(--bg);line-height:1.7;font-size:1rem;-webkit-font-smoothing:antialiased}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}

/* NAV */
.nav{display:flex;align-items:center;justify-content:space-between;padding:0 32px;height:64px;background:rgba(10,20,50,.45);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);position:fixed;top:0;left:0;right:0;z-index:300;border-bottom:1px solid rgba(255,255,255,.1)}
.nav-logo{display:flex;align-items:baseline;gap:0;text-decoration:none!important;letter-spacing:-.3px}
.nlw-c{font-size:1.3rem;font-weight:900;color:#fff}
.nlw-ifn{font-size:1.3rem;font-weight:900;color:#F97316}
.nlw-tld{font-size:.7rem;font-weight:600;color:rgba(255,255,255,.3);margin-left:1px;letter-spacing:0}
.nav-links{display:flex;align-items:center;gap:4px}
.nav-links a{color:rgba(255,255,255,.88);font-weight:600;font-size:.875rem;padding:10px 13px;border-radius:8px;transition:background .2s;min-height:44px;display:flex;align-items:center}
.nav-links a:hover{background:rgba(255,255,255,.18);color:#fff;text-decoration:none}
.nav-cta{background:var(--accent)!important;color:#fff!important;border-radius:22px!important;font-weight:800!important}
.nav-cta:hover{background:var(--accent-dk)!important}
@media(max-width:640px){.nav-links .hide-mob{display:none}.nav{padding:0 16px}}

/* PAGE HERO (subpages) */
.page-hero{background:var(--bg-hero);padding:100px 20px 52px;text-align:center;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");pointer-events:none}
.page-hero-inner{position:relative;z-index:1}
.page-breadcrumb{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:20px;padding:5px 14px;font-size:.78rem;font-weight:600;color:rgba(255,255,255,.85);margin-bottom:16px}
.page-hero h1{font-size:clamp(1.6rem,4vw,2.4rem);font-weight:900;color:#fff;margin-bottom:10px;line-height:1.2}
.page-hero p{font-size:1.05rem;color:rgba(255,255,255,.82);max-width:600px;margin:0 auto}
@media(max-width:480px){.page-hero{padding:76px 16px 40px}}

/* CONTENT WRAP */
.content-wrap{max-width:820px;margin:0 auto;padding:40px 20px 60px}
.content-card{background:var(--white);border-radius:var(--radius);padding:36px;border:1px solid var(--border);box-shadow:var(--shadow)}
@media(max-width:600px){.content-card{padding:20px}}
.content-card h2{font-size:1.25rem;font-weight:800;color:var(--text);margin:32px 0 12px;padding-bottom:10px;border-bottom:2px solid var(--primary-pale)}
.content-card h2:first-child{margin-top:0}
.content-card h3{font-size:1.05rem;font-weight:800;color:var(--text);margin:22px 0 10px}
.content-card p{font-size:1rem;color:#374151;margin-bottom:14px;line-height:1.75}
.content-card ul,.content-card ol{margin:0 0 16px 22px}
.content-card li{font-size:1rem;color:#374151;margin-bottom:8px;line-height:1.7}
.content-card a{color:var(--primary)}
.meta-tag{font-size:.85rem;color:var(--text2);margin-bottom:22px;padding:10px 14px;background:var(--bg);border-radius:8px;border-left:3px solid var(--primary-pale)}

/* FOOTER */
footer{background:#0a1628;color:rgba(255,255,255,.5);padding:56px 20px 40px}
.foot-inner{max-width:1100px;margin:0 auto}
.foot-top{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:28px}
@media(max-width:760px){.foot-top{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:420px){.foot-top{grid-template-columns:1fr}}
.foot-brand .foot-logo{font-size:1.3rem;font-weight:900;letter-spacing:-.3px;margin-bottom:12px}
.foot-brand .foot-logo .fl-ifn{color:#F97316}
.foot-brand p{font-size:.8rem;line-height:1.7;margin-bottom:16px;color:rgba(255,255,255,.45)}
.foot-trust-row{display:flex;flex-wrap:wrap;gap:8px}
.foot-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:6px;padding:5px 10px;font-size:.7rem;color:rgba(255,255,255,.55);white-space:nowrap}
.foot-col h4{color:#fff;font-size:.78rem;font-weight:800;margin-bottom:14px;text-transform:uppercase;letter-spacing:.6px}
.foot-col a{display:flex;align-items:center;gap:6px;font-size:.8rem;color:rgba(255,255,255,.48);margin-bottom:9px;transition:color .2s}
.foot-col a::before{content:'›';color:rgba(255,255,255,.2);font-size:.9rem}
.foot-col a:hover{color:#fff;text-decoration:none}
.foot-col p{font-size:.82rem;line-height:1.6;margin-bottom:8px}
.foot-bottom{font-size:.72rem;color:rgba(255,255,255,.28);text-align:center;line-height:1.9}

/* TOOL SHARED */
.tool-sec{padding:36px 20px 60px}
.tool-inner{max-width:780px;margin:0 auto}
.tool-card{background:var(--white);border-radius:var(--radius);padding:28px;border:1px solid var(--border);box-shadow:var(--shadow);margin-bottom:20px}
@media(max-width:480px){.tool-card{padding:18px}}
.t-label{font-size:.85rem;font-weight:700;color:var(--text2);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.t-val{font-size:1.3rem;font-weight:900;color:var(--primary);margin-bottom:4px}
input[type=range]{-webkit-appearance:none;width:100%;height:5px;background:#e5e7eb;border-radius:3px;cursor:pointer;outline:none;margin-bottom:18px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 2px 8px rgba(30,58,138,.35);cursor:pointer}
.result-box{background:linear-gradient(135deg,#eff6ff,#dbeafe);border-radius:12px;padding:16px 20px;border:1px solid var(--primary-pale)}
.result-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:1px solid rgba(30,58,138,.1)}
.result-row:last-child{border-bottom:none}
.result-row .rl{font-size:.95rem;font-weight:600;color:var(--text2)}
.result-row .rv{font-size:1.05rem;font-weight:900;color:var(--primary-dk)}
.result-row.highlight .rv{color:var(--primary);font-size:1.2rem}
.btn-purple{display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--primary),var(--primary-lt));color:#fff;border:none;border-radius:10px;padding:13px 28px;min-height:48px;font-size:.95rem;font-weight:800;cursor:pointer;font-family:'Nunito',sans-serif;transition:transform .15s,box-shadow .2s;box-shadow:0 4px 16px rgba(30,58,138,.3)}
.btn-purple:hover{transform:translateY(-2px);box-shadow:0 6px 22px rgba(30,58,138,.4)}
.btn-accent{display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--accent),#fb923c);color:#fff;border:none;border-radius:10px;padding:13px 28px;min-height:48px;font-size:.95rem;font-weight:800;cursor:pointer;font-family:'Nunito',sans-serif;transition:transform .15s,box-shadow .2s;box-shadow:0 4px 16px rgba(249,115,22,.3)}
.btn-accent:hover{transform:translateY(-2px);box-shadow:0 6px 22px rgba(249,115,22,.4)}

/* SELECT / INPUT */
select,input[type=text],input[type=number],input[type=email],input[type=tel]{
  width:100%;padding:11px 14px;border:2px solid var(--border);border-radius:9px;
  font-family:'Nunito',sans-serif;font-size:1rem;color:var(--text);background:var(--white);
  transition:border-color .2s;-webkit-appearance:none
}
select:focus,input:focus{outline:none;border-color:var(--primary-lt)}

/* PROGRESS STEPS */
.prog-steps{display:flex;justify-content:center;gap:0;margin-bottom:28px;flex-wrap:wrap}
.prog-step{display:flex;align-items:center;gap:0}
.prog-dot{width:32px;height:32px;border-radius:50%;background:var(--border);color:var(--text2);font-size:.8rem;font-weight:800;display:flex;align-items:center;justify-content:center;transition:background .3s,color .3s}
.prog-dot.active{background:var(--primary);color:#fff}
.prog-dot.done{background:var(--primary-dk);color:#fff}
.prog-line{width:32px;height:3px;background:var(--border);transition:background .3s}
.prog-line.done{background:var(--primary)}

/* TAGS/BADGES */
.badge-pill{display:inline-flex;align-items:center;gap:5px;background:var(--primary-pale);color:var(--primary);border-radius:20px;padding:4px 12px;font-size:.75rem;font-weight:700}
.badge-green{background:#d1fae5;color:#065f46}
.badge-amber{background:#fef3c7;color:#92400e}
.badge-red{background:#fee2e2;color:#991b1b}