:root{--primary: #1a3a6e;--primary-dark: #0e2349;--accent: #2e8b57;--accent-hover: #247043;--accent-light: #e8f5ec;--charcoal: #3a3a3a;--bg: #f7f8fa;--white: #ffffff;--text: #1a1a2e;--text-secondary: #555;--text-muted: #888;--border: #dde1e7;--success: #2e8b57;--radius: 8px}*{margin:0;padding:0;box-sizing:border-box}body{font-family:Inter,sans-serif;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;position:relative}body:before{content:"";position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);width:60vw;height:60vw;max-width:800px;max-height:800px;background:url(/assets/logo.png) center center no-repeat;background-size:contain;opacity:.06;pointer-events:none;z-index:0}.nav{background:var(--primary-dark);padding:0 24px;height:88px;position:sticky;top:0;z-index:100}.nav-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:100%;gap:16px}.nav-logo{display:flex;align-items:center;gap:16px;cursor:pointer;text-decoration:none;flex-shrink:0}.nav-logo-img{height:80px;width:auto;border-radius:4px}.nav-company-name{font-family:Playfair Display,serif;font-size:2rem;font-weight:800;color:#fff;line-height:1;letter-spacing:-.01em;white-space:nowrap;padding-bottom:10px;border-bottom:3px solid var(--accent);position:relative}.nav-company-name:after{content:"";position:absolute;bottom:-8px;left:50%;transform:translate(-50%);width:65%;height:2px;background:var(--accent)}.nav-links{display:flex;align-items:center;gap:2px;margin-left:auto;flex-shrink:0}.nav-links a{color:#ffffffbf;font-size:.82rem;font-weight:500;padding:8px 12px;cursor:pointer;border-radius:var(--radius);transition:all .15s;text-decoration:none}.nav-links a:hover,.nav-links a.active{color:#fff;background:#ffffff1a}.nav-portal-btn{background:var(--accent)!important;color:#fff!important;font-weight:600!important;white-space:nowrap;padding:8px 16px!important;font-size:.82rem!important}.nav-portal-btn:hover{background:var(--accent-hover)!important}.nav-dropdown{position:relative}.nav-dropdown>a{display:inline-flex;align-items:center;gap:4px}.nav-dropdown-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:0 8px 24px #0000001f;min-width:200px;overflow:hidden;z-index:50}.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown.open .nav-dropdown-menu{display:block}.nav-dropdown-menu a{display:block;padding:10px 16px;font-size:.82rem;color:var(--text)!important;background:transparent!important;border-radius:0!important;cursor:pointer;transition:background .1s}.nav-dropdown-menu a:hover{background:var(--accent-light)!important;color:var(--primary-dark)!important}.nav-dropdown-menu a+a{border-top:1px solid #f0f0f0}.mobile-menu-btn{display:none;background:none;border:none;color:#fff;cursor:pointer;padding:6px}.hero{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 50%,#2a5a8c 100%);padding:100px 32px 90px;text-align:center}.hero-content{max-width:720px;margin:0 auto}.hero-title{font-family:Playfair Display,serif;font-size:3rem;font-weight:800;color:#fff;line-height:1.15;margin-bottom:20px}.hero-subtitle{font-size:1.1rem;color:#fffc;line-height:1.6;margin-bottom:32px;font-weight:300}.hero-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.page-hero{background:linear-gradient(135deg,var(--primary-dark),var(--primary));padding:60px 32px;text-align:center}.page-hero h1{font-family:Playfair Display,serif;font-size:2.2rem;color:#fff;margin-bottom:8px}.page-hero p{color:#ffffffb3;font-size:1rem}.btn{font-family:Inter,sans-serif;font-size:.85rem;font-weight:600;padding:10px 22px;border:none;border-radius:var(--radius);cursor:pointer;transition:all .15s;display:inline-flex;align-items:center;gap:6px}.btn:disabled{opacity:.4;cursor:not-allowed}.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover:not(:disabled){background:var(--accent-hover)}.btn-outline{background:transparent;color:var(--text);border:1px solid var(--border)}.btn-outline:hover:not(:disabled){background:#f0f0f0;border-color:var(--text)}.btn-outline-light{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}.btn-outline-light:hover{background:#ffffff1a;border-color:#fff}.btn-lg{padding:14px 32px;font-size:.95rem}.btn-sm{padding:6px 14px;font-size:.78rem}.section{padding:64px 32px}.section-inner{max-width:960px;margin:0 auto}.section-title{font-family:Playfair Display,serif;font-size:1.8rem;font-weight:700;margin-bottom:8px;color:var(--primary-dark)}.section-title.light{color:#fff}.section-subtitle{font-size:1rem;color:var(--text-secondary);margin-bottom:32px}.section-dark{background:var(--primary-dark);color:#fff}.stats-bar{background:var(--white);padding:40px 32px;display:flex;justify-content:center;gap:48px;flex-wrap:wrap;border-bottom:1px solid var(--border)}.stat{text-align:center}.stat-num{display:block;font-family:Playfair Display,serif;font-size:2rem;font-weight:700;color:var(--primary)}.stat-label{font-size:.78rem;color:var(--text-muted)}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:28px 24px;transition:all .2s}.card:hover{box-shadow:0 8px 24px #00000014;transform:translateY(-2px)}.card-icon{font-size:1.8rem;margin-bottom:12px}.card-title{font-size:1.1rem;font-weight:700;margin-bottom:8px;color:var(--primary-dark)}.card-text{font-size:.85rem;color:var(--text-secondary);line-height:1.6;margin-bottom:16px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:28px}.step{text-align:center}.step-num{width:44px;height:44px;background:var(--accent);color:#fff;font-family:Playfair Display,serif;font-size:1.2rem;font-weight:700;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 12px}.step h4{font-size:1rem;margin-bottom:6px}.step p{font-size:.82rem;color:#ffffffb3;line-height:1.5}.owner-section{background:var(--white)}.owner-testimonial{max-width:700px;margin:0 auto;position:relative;padding:0 20px}.owner-quote-mark{font-family:Playfair Display,serif;font-size:6rem;color:var(--accent);opacity:.25;line-height:1;position:absolute;top:-20px;left:-10px}.owner-headline{font-family:Playfair Display,serif;font-size:1.6rem;font-weight:700;color:var(--primary-dark);margin-bottom:20px;text-align:center}.owner-message p{font-size:.95rem;color:var(--text-secondary);line-height:1.8;margin-bottom:14px}.owner-message strong{color:var(--primary-dark)}.owner-sig{margin-top:24px;padding-top:16px;border-top:2px solid var(--accent);display:inline-block}.owner-name{display:block;font-family:Playfair Display,serif;font-size:1.1rem;font-weight:700;color:var(--primary-dark)}.owner-role{display:block;font-size:.78rem;color:var(--text-muted);margin-top:2px}.cta-section{background:linear-gradient(135deg,var(--accent-light),#f0f7f2)}.service-detail h4{margin:16px 0 8px;font-size:1rem;color:var(--primary-dark)}.service-detail ul{margin-left:20px;margin-bottom:16px}.service-detail li{font-size:.88rem;color:var(--text-secondary);line-height:1.8}.highlight-box{background:var(--accent-light);border-left:4px solid var(--accent);padding:14px 18px;border-radius:0 var(--radius) var(--radius) 0;font-size:.85rem;color:var(--text-secondary);margin-top:12px}.about-content p{font-size:.92rem;color:var(--text-secondary);line-height:1.7;margin-bottom:12px}.values-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.value-card{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:20px}.value-card h4{color:var(--primary-dark);font-size:.95rem;margin-bottom:4px}.value-card p{font-size:.82rem;color:var(--text-secondary);line-height:1.5}.testimonials-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.testimonial-card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:28px 24px;transition:box-shadow .2s}.testimonial-card:hover{box-shadow:0 6px 20px #0000000f}.testimonial-stars{color:#f59e0b;font-size:1rem;margin-bottom:12px;letter-spacing:2px}.testimonial-text{font-size:.9rem;color:var(--text-secondary);line-height:1.7;font-style:italic;margin-bottom:16px}.testimonial-author{border-top:1px solid var(--border);padding-top:12px}.testimonial-name{display:block;font-weight:700;font-size:.88rem;color:var(--primary-dark)}.testimonial-location{display:block;font-size:.75rem;color:var(--text-muted)}.testimonial-service{display:inline-block;margin-top:6px;font-size:.68rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em;padding:3px 8px;border-radius:4px;background:var(--accent-light);color:var(--accent)}.legal-links{display:grid;grid-template-columns:1fr 1fr;gap:12px}.legal-link{display:block;padding:18px 20px;border:1px solid var(--border);border-radius:10px;text-decoration:none;color:var(--text);background:var(--white);transition:all .15s}.legal-link:hover{border-color:var(--accent);box-shadow:0 4px 12px #0000000f}.legal-link h4{font-size:.88rem;color:var(--primary-dark);margin-bottom:4px}.legal-link p{font-size:.78rem;color:var(--text-secondary);line-height:1.5}@media (max-width: 768px){.testimonials-grid,.legal-links{grid-template-columns:1fr}}.faq-list{display:flex;flex-direction:column;gap:12px}.faq-item{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:20px 24px}.faq-item h4{font-size:.95rem;color:var(--primary-dark);margin-bottom:6px}.faq-item p{font-size:.85rem;color:var(--text-secondary);line-height:1.6}.contact-grid{display:grid;grid-template-columns:1fr 340px;gap:40px}.contact-info h3{font-size:1.1rem;margin-bottom:16px;color:var(--primary-dark)}.contact-item{display:flex;align-items:center;gap:10px;margin-bottom:14px;font-size:.88rem;color:var(--text-secondary)}.contact-hours{margin-top:20px;padding-top:16px;border-top:1px solid var(--border)}.contact-hours h4{font-size:.85rem;margin-bottom:6px;color:var(--primary-dark)}.contact-hours p{font-size:.82rem;color:var(--text-secondary)}.success-msg{margin-top:12px;padding:10px 14px;background:#dcfce7;color:var(--success);border-radius:var(--radius);font-size:.82rem;font-weight:500}.form-group{margin-bottom:14px}.form-label{display:block;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em;color:var(--text-muted);margin-bottom:5px}.form-input{font-family:Inter,sans-serif;font-size:.85rem;padding:10px 14px;border:1px solid var(--border);border-radius:var(--radius);background:var(--white);width:100%;outline:none;transition:border-color .15s;color:var(--text)}.form-input:focus{border-color:var(--accent);box-shadow:0 0 0 3px #c8a45a1f}.form-input option{background:#fff}textarea.form-input{resize:vertical;min-height:88px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.portal-login{display:flex;justify-content:center}.login-card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:32px;width:100%;max-width:400px}.login-card h2{font-family:Playfair Display,serif;font-size:1.3rem;margin-bottom:20px;color:var(--primary-dark)}.portal-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}.portal-header h2{font-family:Playfair Display,serif;font-size:1.3rem;color:var(--primary-dark)}.portal-tabs{display:flex;gap:4px;margin-bottom:20px;background:#f0f0f0;border-radius:var(--radius);padding:4px}.portal-tabs button{flex:1;padding:10px;border:none;border-radius:6px;font-family:Inter,sans-serif;font-size:.8rem;font-weight:500;cursor:pointer;background:transparent;color:var(--text-secondary);transition:all .15s}.portal-tabs button.active{background:var(--white);color:var(--primary-dark);box-shadow:0 1px 3px #00000014;font-weight:600}.portal-content{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:24px}.overview-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.ov-card{padding:18px;border:1px solid var(--border);border-radius:10px;text-align:center}.ov-card.accent{border-color:var(--accent);background:var(--accent-light)}.ov-card.success{border-color:var(--success);background:#f0fdf4}.ov-label{display:block;font-size:.7rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}.ov-value{font-family:Playfair Display,serif;font-size:1.6rem;font-weight:700;color:var(--primary-dark)}.ov-notice{display:flex;gap:8px;align-items:flex-start;margin-top:16px;padding:12px 16px;background:var(--accent-light);border-radius:var(--radius);font-size:.78rem;color:var(--text-secondary)}.doc-category{margin-bottom:16px}.doc-cat-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}.doc-cat-header h4{font-size:.88rem;color:var(--primary-dark)}.doc-list{display:flex;flex-direction:column;gap:4px}.doc-row{display:flex;align-items:center;gap:10px;padding:8px 12px;background:var(--bg);border-radius:6px;font-size:.8rem}.doc-name{flex:1;font-weight:500}.doc-date{font-size:.7rem;color:var(--text-muted)}.doc-empty-text{font-size:.78rem;color:var(--text-muted);padding:8px 0}.btn-icon-sm{background:none;border:none;font-size:1.1rem;cursor:pointer;color:var(--text-muted);padding:2px 6px;border-radius:4px}.btn-icon-sm:hover{color:#dc2626;background:#fee2e2}.credit-add{margin-bottom:20px}.credit-add h4{font-size:.88rem;margin-bottom:8px;color:var(--primary-dark)}.credit-add-row{display:grid;grid-template-columns:1fr 140px 140px auto;gap:8px}.credit-table-wrap{overflow-x:auto}.credit-table{width:100%;border-collapse:collapse;font-size:.82rem}.credit-table th{padding:10px 14px;text-align:left;font-size:.7rem;text-transform:uppercase;letter-spacing:.04em;color:var(--text-muted);border-bottom:2px solid var(--border)}.credit-table td{padding:10px 14px;border-bottom:1px solid #f0f0f0}.credit-acct{font-weight:600}.bureau-badge{background:var(--primary);color:#fff;padding:2px 8px;border-radius:4px;font-size:.7rem;font-weight:500}.dispute-select{font-family:Inter,sans-serif;font-size:.78rem;padding:4px 8px;border:1px solid var(--border);border-radius:4px}.dispute-pending td{background:#fffbeb}.dispute-resolved td,.dispute-removed td{background:#f0fdf4}.dispute-removed .credit-acct{text-decoration:line-through;color:var(--text-muted)}.credit-empty{text-align:center;padding:28px;font-size:.82rem;color:var(--text-muted)}.footer{background:var(--primary-dark);color:#ffffffb3;padding:40px 32px 24px}.footer-inner{max-width:960px;margin:0 auto}.footer-brand{margin-bottom:16px}.footer-logo-img{height:42px;width:auto;border-radius:4px;margin-bottom:4px}.footer-brand p{font-size:.78rem;margin-top:4px}.footer-links{display:flex;gap:16px;margin-bottom:16px}.footer-links a{color:#fff9;font-size:.8rem;cursor:pointer;text-decoration:none}.footer-links a:hover{color:#fff}.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding-top:16px;font-size:.72rem}.disclaimer-text{margin-top:6px;color:#fff6;font-size:.68rem}@media (max-width: 1100px){.nav-company-name{font-size:1.1rem}.nav-logo-img{height:70px}.nav-logo{gap:12px}.nav-links a{font-size:.78rem;padding:7px 10px}.nav-portal-btn{padding:7px 12px!important;font-size:.78rem!important}}@media (max-width: 768px){.nav{padding:0 12px;height:70px}.nav-inner{gap:8px}.nav-company-name{font-size:1.1rem;padding-bottom:6px;flex:1;text-align:center;white-space:normal;overflow:hidden;text-overflow:ellipsis}.nav-logo-img{height:56px}.nav-logo{gap:12px;flex:1;min-width:0;overflow:hidden}.mobile-menu-btn{display:block;flex-shrink:0}.nav-links{display:none;flex-direction:column;position:absolute;top:70px;right:12px;width:220px;background:var(--primary-dark);padding:10px;border-radius:0 0 var(--radius) var(--radius);border:1px solid rgba(255,255,255,.1);border-top:none;z-index:100;box-shadow:0 8px 24px #0000004d}.nav-links.open{display:flex}.nav-links a{font-size:.9rem;padding:12px 16px}.nav-dropdown-menu{position:static;box-shadow:none;border:none;background:#ffffff0d;border-radius:var(--radius);display:none}.nav-dropdown-menu a{color:#ffffffb3!important;padding-left:28px!important}.nav-dropdown:hover .nav-dropdown-menu{display:none}.nav-dropdown.open .nav-dropdown-menu{display:block}.hero{padding:50px 20px 40px}.hero-title{font-size:1.8rem}.hero-subtitle{font-size:.88rem}.hero-actions{flex-direction:column;align-items:center}.section{padding:36px 16px}.section-title{font-size:1.4rem}.card-grid,.steps{grid-template-columns:1fr}.stats-bar{gap:20px;padding:28px 16px}.stat-num{font-size:1.5rem}.contact-grid,.values-grid{grid-template-columns:1fr}.overview-cards{grid-template-columns:1fr 1fr}.credit-add-row,.form-row{grid-template-columns:1fr}.page-hero{padding:40px 16px}.page-hero h1{font-size:1.5rem}.page-hero p{font-size:.85rem}.portal-tabs{flex-wrap:wrap}.portal-content{padding:16px}.login-card{padding:24px 20px}.owner-testimonial{padding:0}.owner-headline{font-size:1.3rem}.owner-message p{font-size:.85rem}.owner-quote-mark{font-size:4rem;top:-12px;left:-4px}.footer{padding:28px 16px 20px}.footer-links{flex-wrap:wrap;gap:10px}.legal-links{grid-template-columns:1fr}.faq-item{padding:16px 18px}}@media (max-width: 480px){.nav-links{width:180px}.nav-links a{font-size:.82rem;padding:10px 12px}}@media (max-width: 400px){.overview-cards{grid-template-columns:1fr}.stats-bar{flex-direction:column;gap:16px}.nav-logo-img{height:46px}.nav-company-name{font-size:.9rem;padding-bottom:4px;flex:1;text-align:center}.nav{height:60px}.nav-links{top:60px;width:160px}.nav-links a{font-size:.78rem;padding:9px 10px}}