/* ============================================================
   payd24 public site — ported from the original design
   ============================================================ */
:root{
  --brand-500:#3B82F6; --brand-600:#2563EB; --brand-100:#DBEAFE; --brand-50:#EFF6FF;
  --accent-teal:#00BFA6; --accent-purple:#7C3AED; --accent-orange:#FF8A00;
  --navy:#0D183D; --footer:#020617; --ink:#0F172A;
  --slate-600:#475569; --slate-500:#64748B; --slate-400:#94A3B8; --slate-200:#E2E8F0;
  --page-bg:#F2F4F7; --success:#16A34A; --success-bg:#ECFDF5;
  --radius-card:20px; --shadow-card:0 10px 30px rgba(13,24,61,.08);
  --shadow-pop:0 24px 60px rgba(13,24,61,.16); --max:1180px;
  --font:'Poppins',Inter,ui-sans-serif,system-ui,-apple-system,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body.site{font-family:var(--font);color:var(--ink);background:var(--page-bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.sec-head{text-align:center;max-width:820px;margin:0 auto 56px}
.kicker{display:block;font-size:.75rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--brand-600);margin-bottom:18px}
.kicker.on-dark{color:var(--slate-400)}
.sec-title{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:700;letter-spacing:-.02em;line-height:1.12;color:var(--ink)}
.sec-title.on-dark{color:#fff}

/* Buttons */
.btn,.btn-lg{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--font);font-weight:600;font-size:1rem;border-radius:16px;padding:16px 32px;cursor:pointer;border:none;transition:transform .15s,box-shadow .15s,filter .15s}
.btn:hover,.btn-lg:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(90deg,var(--brand-600),var(--brand-500));color:#fff;box-shadow:0 10px 24px rgba(37,99,235,.32)}
.btn-primary:hover{filter:brightness(1.06)}
.btn-secondary{background:#fff;color:var(--ink);border:1px solid var(--slate-200)}
.btn-secondary:hover{border-color:var(--slate-400)}
.btn-light{background:#fff;color:var(--navy)}
.pill-free{background:var(--success-bg);color:#047857;font-size:.72rem;font-weight:600;padding:3px 10px;border-radius:999px}

/* Header */
.site-header{position:sticky;top:0;z-index:60;width:100%;border-bottom:1px solid var(--slate-200);background:rgba(255,255,255,.7);backdrop-filter:blur(12px)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px}
.logo{display:inline-flex;align-items:center;gap:2px;font-weight:800;font-size:1.7rem;letter-spacing:-.02em}
.logo .lg-a{color:var(--ink)}
.logo .lg-b{color:#fff;background:linear-gradient(90deg,var(--brand-600),var(--brand-500));border-radius:12px;padding:0 8px;margin-left:2px}
.nav-links{display:flex;align-items:center;gap:4px}
.nav-links a,.nav-links .drop>button{display:inline-flex;height:36px;align-items:center;gap:4px;border-radius:10px;padding:0 12px;font-family:var(--font);font-size:.9rem;font-weight:500;color:var(--slate-600);background:none;border:none;cursor:pointer;transition:color .12s,background .12s}
.nav-links a:hover,.nav-links .drop>button:hover{color:var(--ink);background:#F1F5F9}
.nav-links .drop{position:relative}
.nav-links .caret{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2}
.drop-menu{position:absolute;top:calc(100% + 10px);left:0;min-width:240px;background:#fff;border:1px solid var(--slate-200);border-radius:14px;box-shadow:var(--shadow-pop);padding:8px;display:none}
.drop.open .drop-menu{display:block}
.drop-menu a{display:block;height:auto;padding:11px 14px;border-radius:10px;font-weight:600;color:var(--ink)}
.drop-menu a:hover{background:#F8FAFC;color:var(--brand-600)}
.btn-nav{background:linear-gradient(90deg,var(--brand-600),var(--brand-500));color:#fff;font-size:.92rem;font-weight:600;border-radius:999px;padding:11px 26px;box-shadow:0 6px 16px rgba(37,99,235,.3)}
.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}
.mobile-menu{display:none;background:#fff;border-bottom:1px solid var(--slate-200);padding:12px 24px 20px}
.mobile-menu a{display:block;padding:12px 4px;font-weight:500;border-bottom:1px solid #F1F5F9}
.mobile-menu.open{display:block}

/* Hero */
.hero{background:linear-gradient(180deg,#F4F8FF,#FFFFFF,#FFFFFF)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center;padding:96px 0 110px}
.hero-tag{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--slate-200);border-radius:999px;padding:9px 18px;font-size:.75rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--slate-600);box-shadow:0 2px 8px rgba(13,24,61,.05);margin-bottom:28px}
.hero-tag .dot{width:8px;height:8px;border-radius:50%;background:var(--accent-teal)}
.hero h1{font-size:clamp(2.6rem,5.5vw,3.75rem);font-weight:800;letter-spacing:-.02em;line-height:1.05;color:var(--ink);margin-bottom:28px}
.hero h1 .grad{background:linear-gradient(90deg,var(--brand-600),var(--brand-500),var(--accent-teal));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-bullets{display:grid;gap:12px;margin-bottom:34px}
.hero-bullets li{display:flex;gap:12px;align-items:flex-start;font-size:1.08rem;color:var(--slate-600)}
.hero-bullets .tick{color:var(--accent-teal);flex:none;width:20px;height:20px;margin-top:4px}
.hero-bullets strong{color:var(--ink);font-weight:700}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:28px}
.soft-pull{display:flex;gap:10px;align-items:flex-start;background:var(--success-bg);border-radius:14px;padding:15px 18px;font-size:.92rem;color:var(--slate-600);max-width:580px;margin-bottom:30px}
.soft-pull strong{color:var(--ink)}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;gap:7px;background:#fff;border:1px solid var(--slate-200);border-radius:999px;padding:7px 14px;font-size:.8rem;font-weight:500;color:var(--slate-600)}
.chip svg{width:14px;height:14px;stroke:var(--brand-500);fill:none;stroke-width:2}

/* Hero widget */
.mock-wrap{position:relative;max-width:440px;margin-left:auto}
.phone{background:#fff;border:1px solid #EEF2F7;border-radius:34px;box-shadow:var(--shadow-pop);padding:26px 24px}
.phone-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
.phone-top .t{font-size:.8rem;font-weight:600;color:var(--slate-500)}
.phone-top .dots{display:flex;gap:6px}
.phone-top .dots i{width:8px;height:8px;border-radius:50%;background:#E2E8F0}
.score-panel{background:linear-gradient(135deg,#F6F9FF,#FDFEFF);border:1px solid #EDF2FA;border-radius:22px;padding:20px;margin-bottom:20px}
.score-flex{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.score-col .lbl{font-size:.66rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-400)}
.score-col .num{font-size:2.5rem;font-weight:800;letter-spacing:-.02em;color:var(--ink);line-height:1.1}
.score-col.right{text-align:right}
.score-col.right .num{color:var(--brand-500)}
.score-col .st{font-size:.72rem;font-weight:700}
.st-good{color:var(--accent-orange)}
.st-exc{color:var(--accent-teal)}
.score-arrow{color:#CBD5E1}
.delta{display:flex;align-items:center;justify-content:center;gap:8px;background:var(--success-bg);border-radius:12px;padding:10px;font-size:.85rem;font-weight:700;color:var(--success)}
.plan-title{font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--slate-400);margin-bottom:14px}
.plan-rows{display:grid;gap:16px}
.plan-row .r1{display:flex;align-items:center;gap:10px;font-size:.86rem;font-weight:600;color:var(--ink)}
.plan-row .n{flex:none;width:22px;height:22px;border-radius:50%;background:var(--brand-50);color:var(--brand-600);font-size:.7rem;font-weight:700;display:flex;align-items:center;justify-content:center}
.plan-row .pts{margin-left:auto;color:var(--success);font-weight:700;font-size:.78rem}
.plan-row .bar{height:6px;border-radius:999px;background:#EDF2F7;margin:8px 0 0 32px;overflow:hidden}
.plan-row .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,#22C55E,#4ADE80)}
.float-badge{position:absolute;display:flex;align-items:center;gap:12px;background:#fff;border-radius:20px;box-shadow:var(--shadow-pop);padding:14px 20px}
.float-badge .ic{width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.float-badge .k{font-size:.66rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-400)}
.float-badge .v{font-size:.95rem;font-weight:700;color:var(--ink)}
.fb-experian{top:44px;left:-64px}
.fb-experian .ic{background:linear-gradient(135deg,var(--brand-600),var(--brand-500))}
.fb-goal{bottom:64px;right:-52px}
.fb-goal .ic{background:#F3E8FF}

/* Stats */
.stats{background:#fff;border-top:1px solid var(--slate-200);border-bottom:1px solid var(--slate-200)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:44px 0}
.stat{text-align:center;padding:0 16px}
.stat + .stat{border-left:1px solid var(--slate-200)}
.stat .v{font-size:2.1rem;font-weight:800;letter-spacing:-.02em;color:var(--ink)}
.stat .l{font-size:.9rem;color:var(--slate-500)}

/* Offers */
.offers{background:#fff}
.offer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.offer{background:#fff;border:1px solid #EDF1F7;border-radius:var(--radius-card);padding:36px 30px;transition:box-shadow .2s,transform .2s}
.offer:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}
.offer .ico{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:22px}
.ico-purple{background:rgba(124,58,237,.1);color:var(--accent-purple)}
.ico-teal{background:rgba(0,191,166,.1);color:var(--accent-teal)}
.ico-orange{background:rgba(255,138,0,.1);color:var(--accent-orange)}
.offer h3{font-size:1.25rem;font-weight:700;color:var(--ink);margin-bottom:10px}
.offer p{color:var(--slate-600);font-size:.95rem}

/* Plans */
.plans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;align-items:stretch}
.plan{background:#fff;border:1px solid #EDF1F7;border-radius:var(--radius-card);padding:34px 30px;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s}
.plan:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}
.plan.featured{border:2px solid var(--brand-500);box-shadow:var(--shadow-card)}
.plan .flag{align-self:flex-start;background:var(--brand-600);color:#fff;font-size:.66rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:18px}
.plan .cat{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brand-600);margin-bottom:12px}
.plan h3{font-size:1.3rem;font-weight:700;color:var(--ink);margin-bottom:6px}
.plan .price{font-size:1.9rem;font-weight:800;letter-spacing:-.02em;color:var(--ink);margin-bottom:16px}
.plan .desc{color:var(--slate-600);font-size:.93rem;margin-bottom:20px}
.plan .feat{display:grid;gap:11px;margin-bottom:28px}
.plan .feat li{display:flex;gap:10px;font-size:.92rem;color:var(--slate-600)}
.plan .feat svg{flex:none;width:17px;height:17px;margin-top:4px;stroke:var(--brand-500);fill:none;stroke-width:2.5}
.plan .btn{margin-top:auto;width:100%}

/* How it works */
.how{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.how::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 340px at 15% 0,rgba(59,130,246,.18),transparent 65%),radial-gradient(700px 340px at 85% 100%,rgba(0,191,166,.1),transparent 65%)}
.how .container{position:relative}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);border-radius:18px;overflow:hidden;background:rgba(255,255,255,.03)}
.step{padding:44px 32px;border-left:1px solid rgba(255,255,255,.08)}
.step:first-child{border-left:none}
.step .num{font-size:3.2rem;font-weight:800;letter-spacing:-.02em;color:rgba(255,255,255,.28);line-height:1;margin-bottom:26px;display:block}
.step h3{font-size:1.12rem;font-weight:700;color:#fff;margin-bottom:12px}
.step p{font-size:.9rem;color:var(--slate-400)}

/* Trust */
.trust{background:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.trust-card{background:#F8FAFC;border:1px solid #EDF1F7;border-radius:var(--radius-card);padding:34px 30px}
.trust-card .k{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brand-600);margin-bottom:12px}
.trust-card h3{font-size:1.15rem;font-weight:700;color:var(--ink);margin-bottom:10px}
.trust-card p{font-size:.92rem;color:var(--slate-600)}

/* FAQ */
.faq-wrap{max-width:760px;margin:0 auto}
.faq{background:#fff;border:1px solid #EDF1F7;border-radius:26px;margin-bottom:16px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:24px 28px;font-weight:600;font-size:1.05rem;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq .chev{flex:none;width:18px;height:18px;stroke:var(--slate-400);fill:none;stroke-width:2;transition:transform .2s}
.faq[open] .chev{transform:rotate(180deg)}
.faq .a{padding:0 28px 24px;color:var(--slate-600);font-size:.95rem}
.faq .a a{color:var(--brand-600);font-weight:600;text-decoration:underline}

/* Final CTA */
.cta{background:var(--navy);color:#fff;text-align:center;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;inset:0;background:radial-gradient(720px 340px at 80% 20%,rgba(59,130,246,.16),transparent 65%)}
.cta .container{position:relative;max-width:860px}
.cta h2{font-size:clamp(2.2rem,5vw,3.6rem);font-weight:800;letter-spacing:-.02em;margin-bottom:18px}
.cta p{color:var(--slate-400);font-size:1.15rem;margin-bottom:40px}
.cta .hero-ctas{justify-content:center;margin-bottom:0}

/* Footer */
.site-footer{background:var(--footer);color:var(--slate-400);padding:72px 0 36px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:44px}
.footer-brand .fb-word{font-weight:800;font-size:1.5rem;color:#fff;margin-bottom:16px;display:inline-block}
.footer-brand p{font-size:.92rem;margin-bottom:24px}
.footer-brand .oph{font-size:.68rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--slate-500);margin-bottom:6px}
.footer-brand .opn{font-size:.82rem;color:var(--slate-400)}
.footer-brand .cin{font-size:.76rem;color:#64748B;font-family:ui-monospace,monospace;margin-top:4px}
.footer-col h4{color:var(--slate-500);font-size:.7rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;margin-bottom:18px}
.footer-col a{display:block;font-size:.92rem;padding:6px 0;color:var(--slate-400);transition:color .12s}
.footer-col a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);margin-top:52px;padding-top:26px;font-size:.82rem;color:var(--slate-500);display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}

/* Sticky mobile CTA */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;z-index:70;display:none;gap:10px;padding:12px 16px;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-top:1px solid var(--slate-200)}
.sticky-cta .btn{flex:1;padding:13px 10px;font-size:.88rem}

/* Responsive */
@media (max-width:1080px){ .fb-experian{left:-10px} .fb-goal{right:-8px} }
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;padding:64px 0 72px}
  .mock-wrap{margin:56px auto 0}
  .stats-grid{grid-template-columns:repeat(2,1fr);gap:28px 0}
  .stat:nth-child(3){border-left:none}
  .offer-grid,.plans-grid,.trust-grid{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:repeat(2,1fr)}
  .step:nth-child(3){border-left:none}
  .step{border-top:1px solid rgba(255,255,255,.08)}
  .step:nth-child(-n+2){border-top:none}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav-links,.btn-nav{display:none}
  .hamburger{display:block}
  .sticky-cta{display:flex}
  .site-footer{padding-bottom:130px}
  .section{padding:64px 0}
  .steps-grid{grid-template-columns:1fr}
  .step{border-left:none}
  .fb-experian,.fb-goal{position:static;margin-top:16px}
  .mock-wrap{display:grid;gap:12px}
}

/* ============================================================
   Compatibility — blog & content pages (Blog/*, Pages/*)
   ============================================================ */
.site-main{min-height:40vh}
.muted{color:var(--slate-500)}
.lede{color:var(--slate-500);font-size:1.1rem;margin:0 0 30px}
.prose{font-size:1.02rem;line-height:1.8;color:var(--slate-600);max-width:760px;margin:0 auto}
.prose h2{color:var(--ink);margin:32px 0 12px}
.prose p{margin-bottom:16px}
.prose img{border-radius:12px;margin:16px 0}
.blog-wrap{max-width:1080px;margin:0 auto;padding:64px 0}
.blog-wrap h1{font-size:2.2rem;margin-bottom:6px}
.post-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px}
.post-card{border:1px solid #EDF1F7;border-radius:var(--radius-card);overflow:hidden;display:block;background:#fff;transition:box-shadow .2s,transform .2s}
.post-card:hover{box-shadow:var(--shadow-card);transform:translateY(-3px)}
.post-card img{width:100%;height:180px;object-fit:cover}
.post-card-body{padding:20px}
.post-card-body h2{font-size:1.15rem;margin:8px 0}
.post-card-body p{color:var(--slate-600);font-size:.92rem;margin-bottom:10px}
.post-cat{display:inline-block;font-size:.72rem;font-weight:700;color:var(--brand-600);text-transform:uppercase;letter-spacing:.04em}
.post-date{font-size:.78rem;color:var(--slate-500)}
.post{max-width:760px;margin:0 auto;padding:56px 0}
.post-head h1{font-size:2.4rem;margin:10px 0 12px;line-height:1.15}
.post-meta{display:flex;gap:16px;color:var(--slate-500);font-size:.9rem;margin-bottom:24px}
.post-hero{width:100%;border-radius:16px;margin-bottom:28px}
.post-content{font-size:1.05rem;line-height:1.8;color:var(--slate-700,#334155)}
.post-content h2{margin-top:32px;color:var(--ink)}
.post-tags{margin-top:36px;display:flex;gap:8px;flex-wrap:wrap}
.tag-pill{background:#F1F5F9;color:var(--slate-600);padding:6px 12px;border-radius:20px;font-size:.82rem}
.legal,.standard-page{max-width:760px;margin:0 auto;padding:64px 0}
.legal h1,.standard-page h1{font-size:2.2rem;color:var(--ink)}
.updated{color:var(--slate-500);font-size:.9rem;margin-bottom:24px}
.product-hero{text-align:center;padding:64px 0}
.product-hero h1{font-size:2.6rem;margin-bottom:12px}
.product-price{font-size:2rem;font-weight:800;margin:16px 0}
.product-price small{display:block;font-size:.85rem;color:var(--slate-500);font-weight:400}
.product-body{max-width:760px;margin:0 auto}
.section-title{font-size:1.7rem;text-align:center;margin:0 0 28px;color:var(--ink)}
.plan-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;max-width:1000px;margin:0 auto}
.plan-card{border:1px solid #EDF1F7;border-radius:var(--radius-card);padding:28px;background:#fff}
.plan-card.featured{border:2px solid var(--brand-500);box-shadow:var(--shadow-card)}
.plan-card h3{font-size:1.2rem;margin:8px 0}
.plan-card .plan-price{font-size:1.8rem;font-weight:800;margin:6px 0}
.plan-features{list-style:none;padding:0;margin:16px 0}
.plan-features li{padding:6px 0 6px 22px;position:relative;font-size:.92rem;color:var(--slate-600)}
.plan-features li:before{content:"✓";position:absolute;left:0;color:var(--brand-500)}
.faqs{padding:40px 0;max-width:760px;margin:0 auto}
.faq-list .faq-item{border:1px solid #EDF1F7;border-radius:16px;padding:16px 20px;margin-bottom:12px;background:#fff}
.faq-item summary{font-weight:600;cursor:pointer}
.faq-answer{color:var(--slate-600);margin-top:10px}
.cta-band{background:var(--navy);color:#fff;text-align:center;border-radius:24px;padding:48px 24px;margin:56px auto;max-width:1080px}
.cta-band h2{font-size:1.8rem;margin-bottom:10px}
.cta-band p{color:var(--slate-400);margin-bottom:22px}
.pager{display:flex;gap:6px;margin-top:30px;justify-content:center}
.page-link{padding:8px 13px;border:1px solid var(--slate-200);border-radius:8px;font-size:.9rem}
.page-link.current{background:var(--brand-600);color:#fff;border-color:var(--brand-600)}