.credit-page {
  max-width: 1120px;
  margin: 0 auto;
  padding: 30px 0 72px;
}

.credit-back-link {
  display: inline-block;
  margin-bottom: 24px;
  color: var(--gold);
  font-size: 14px;
  text-decoration: none;
}

.credit-back-link:hover {
  text-decoration: underline;
}

.credit-intro {
  max-width: 760px;
  margin-bottom: 32px;
}

.credit-eyebrow {
  margin: 0 0 8px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.credit-intro h1 {
  margin: 0 0 14px;
  font-size: clamp(30px, 5vw, 48px);
  line-height: 1.05;
  letter-spacing: -0.035em;
}

.credit-intro > p:last-child {
  margin: 0;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.65;
}

.credit-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 28px;
  align-items: start;
}

.credit-form {
  display: grid;
  gap: 18px;
}

.credit-card,
.credit-privacy-card,
.credit-provider-readiness,
.credit-results {
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.025);
}

.theme-light .credit-card,
.theme-light .credit-privacy-card,
.theme-light .credit-provider-readiness,
.theme-light .credit-results {
  border-color: rgba(0, 0, 0, 0.1);
  background: rgba(0, 0, 0, 0.025);
}

.credit-card {
  padding: 24px;
}

.credit-section-heading {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 22px;
}

.credit-section-heading > span {
  display: grid;
  place-items: center;
  flex: 0 0 30px;
  height: 30px;
  border-radius: 50%;
  color: #111;
  background: var(--gold);
  font-size: 13px;
  font-weight: 800;
}

.credit-section-heading h2 {
  margin: 1px 0 4px;
  font-size: 19px;
}

.credit-section-heading p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

.credit-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.credit-field-wide {
  grid-column: span 2;
}

.credit-field label,
.credit-fieldset legend {
  display: block;
  margin-bottom: 7px;
  font-size: 13px;
  font-weight: 700;
}

.credit-field label span {
  color: var(--muted2);
  font-size: 11px;
  font-weight: 500;
}

.credit-field input,
.credit-field select {
  box-sizing: border-box;
  width: 100%;
  min-height: 46px;
  padding: 11px 13px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 11px;
  outline: none;
  background: rgba(255, 255, 255, 0.045);
  color: var(--text);
  font: inherit;
  font-size: 14px;
}

.credit-field select option {
  color: #111;
}

.theme-light .credit-field input,
.theme-light .credit-field select {
  border-color: rgba(0, 0, 0, 0.15);
  background: rgba(0, 0, 0, 0.03);
}

.credit-field input:focus,
.credit-field select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.12);
}

.credit-field input[aria-invalid="true"],
.credit-field select[aria-invalid="true"] {
  border-color: #f87171;
}

.credit-field-note {
  margin: 7px 0 0;
  color: var(--muted2);
  font-size: 12px;
  line-height: 1.5;
}

.credit-bureau-field {
  margin-top: 16px;
}

.credit-fieldset {
  margin: 0;
  padding: 0;
  border: 0;
}

.credit-fieldset + .credit-fieldset {
  margin-top: 26px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.theme-light .credit-fieldset + .credit-fieldset {
  border-top-color: rgba(0, 0, 0, 0.08);
}

.credit-fieldset legend {
  margin-bottom: 14px;
  color: var(--gold);
  font-size: 15px;
}

.credit-consent {
  margin-top: 24px;
  padding: 16px;
  border: 1px solid rgba(212, 175, 55, 0.3);
  border-radius: 12px;
  background: rgba(212, 175, 55, 0.07);
}

.credit-consent label {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  font-size: 13px;
  font-weight: 650;
  line-height: 1.5;
}

.credit-consent input {
  flex: 0 0 auto;
  width: 17px;
  height: 17px;
  margin-top: 2px;
  accent-color: var(--gold);
}

.credit-consent p {
  margin: 10px 0 0 28px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.55;
}

.credit-form-errors {
  padding: 13px 15px;
  border: 1px solid rgba(248, 113, 113, 0.45);
  border-radius: 11px;
  background: rgba(248, 113, 113, 0.1);
  color: #fca5a5;
  font-size: 13px;
  line-height: 1.55;
}

.theme-light .credit-form-errors {
  color: #991b1b;
}

.credit-form-errors ul {
  margin: 0;
  padding-left: 18px;
}

.credit-submit-row {
  display: flex;
  gap: 16px;
  align-items: center;
  padding: 6px 0;
}

.credit-submit-row p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
}

.credit-sidebar {
  position: sticky;
  top: 20px;
  display: grid;
  gap: 16px;
}

.credit-privacy-card,
.credit-provider-readiness,
.credit-sandbox-verification {
  padding: 22px;
}

.credit-privacy-card h2,
.credit-provider-readiness h2,
.credit-sandbox-verification h2 {
  margin: 0 0 14px;
  font-size: 19px;
}

.credit-privacy-card ul {
  margin: 0 0 16px;
  padding-left: 18px;
  color: var(--text);
  font-size: 13px;
  line-height: 1.7;
}

.credit-privacy-card > p:last-child {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.6;
}

.credit-provider-readiness-head {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  justify-content: space-between;
}

.credit-provider-readiness-head h2 {
  margin-bottom: 0;
}

.credit-provider-refresh {
  flex: 0 0 auto;
  padding: 7px 10px;
  border: 1px solid rgba(212, 175, 55, 0.35);
  border-radius: 999px;
  background: rgba(212, 175, 55, 0.08);
  color: var(--gold);
  cursor: pointer;
  font: inherit;
  font-size: 12px;
  font-weight: 800;
}

.credit-provider-refresh:disabled {
  cursor: default;
  opacity: 0.55;
}

.credit-provider-note,
.credit-provider-state {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.55;
}

.credit-provider-state[data-state="error"] {
  color: #fca5a5;
}

.credit-sandbox-consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 16px 0 12px;
  color: var(--text);
  font-size: 13px;
  line-height: 1.5;
}

.credit-sandbox-consent input {
  margin-top: 3px;
  accent-color: var(--gold);
}

.credit-sandbox-button {
  width: 100%;
  justify-content: center;
}

.credit-sandbox-button:disabled {
  cursor: default;
  opacity: 0.55;
}

.credit-sandbox-summary {
  display: grid;
  gap: 12px;
  margin-top: 16px;
}

.credit-sandbox-summary section {
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.theme-light .credit-sandbox-summary section {
  border-top-color: rgba(0, 0, 0, 0.08);
}

.credit-sandbox-summary h3 {
  margin: 0 0 8px;
  font-size: 13px;
}

.credit-sandbox-summary ul {
  margin: 0;
  padding-left: 18px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.6;
}

.theme-light .credit-provider-state[data-state="error"] {
  color: #991b1b;
}

.credit-provider-status-list {
  display: grid;
  gap: 9px;
  margin: 16px 0 0;
}

.credit-provider-status-list div {
  display: flex;
  gap: 10px;
  justify-content: space-between;
  padding: 9px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.theme-light .credit-provider-status-list div {
  border-top-color: rgba(0, 0, 0, 0.08);
}

.credit-provider-status-list dt,
.credit-provider-status-list dd {
  margin: 0;
  font-size: 12px;
  line-height: 1.4;
}

.credit-provider-status-list dt {
  color: var(--muted2);
}

.credit-provider-status-list dd {
  max-width: 150px;
  color: var(--text);
  font-weight: 800;
  text-align: right;
  overflow-wrap: anywhere;
}

.credit-results {
  margin-top: 30px;
  padding: 26px;
}

.credit-results-head {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  align-items: flex-start;
}

.credit-results-head h2 {
  max-width: 760px;
  margin: 0;
  font-size: 23px;
  line-height: 1.35;
}

.credit-score-card {
  flex: 0 0 130px;
  padding: 13px 16px;
  border-radius: 12px;
  background: rgba(212, 175, 55, 0.12);
  text-align: center;
}

.credit-score-card span,
.credit-status-grid span {
  display: block;
  color: var(--muted);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.credit-score-card strong {
  display: block;
  margin-top: 4px;
  color: var(--gold);
  font-size: 27px;
}

.credit-status-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin: 24px 0;
}

.credit-status-grid > div {
  padding: 14px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 11px;
}

.theme-light .credit-status-grid > div {
  border-color: rgba(0, 0, 0, 0.08);
}

.credit-status-grid strong {
  display: block;
  margin-top: 6px;
  font-size: 14px;
}

.credit-result-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.credit-result-grid section {
  padding: 18px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.025);
}

.theme-light .credit-result-grid section {
  background: rgba(0, 0, 0, 0.025);
}

.credit-result-grid h3 {
  margin: 0 0 11px;
  font-size: 15px;
}

.credit-result-grid ul {
  margin: 0;
  padding-left: 18px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.65;
}

.credit-disclaimer {
  margin: 22px 0 0;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  color: var(--muted2);
  font-size: 12px;
  line-height: 1.6;
}

.theme-light .credit-disclaimer {
  border-top-color: rgba(0, 0, 0, 0.08);
}

.credit-continue-row {
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  margin-top: 20px;
  padding: 16px;
  border: 1px solid rgba(212, 175, 55, 0.3);
  border-radius: 13px;
  background: rgba(212, 175, 55, 0.08);
}

.credit-continue-row strong {
  display: block;
  margin-bottom: 4px;
}

.credit-continue-row p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

@media (max-width: 900px) {
  .credit-layout {
    grid-template-columns: 1fr;
  }

  .credit-sidebar {
    position: static;
  }
}

@media (max-width: 680px) {
  .credit-nav {
    display: none;
  }

  .credit-page {
    padding-top: 20px;
  }

  .credit-card,
  .credit-results {
    padding: 18px;
  }

  .credit-grid,
  .credit-status-grid,
  .credit-result-grid {
    grid-template-columns: 1fr;
  }

  .credit-field-wide {
    grid-column: auto;
  }

  .credit-results-head,
  .credit-submit-row,
  .credit-continue-row {
    flex-direction: column;
    align-items: stretch;
  }

  .credit-score-card {
    flex-basis: auto;
  }
}