/* =====================================================
   Free Credit Singapore — shared design system
   Edit tokens below to rebrand the whole site at once.
   ===================================================== */
:root{
  /* True black base with warm-tinted elevated surfaces */
  --bg:#080807; --surface:#100f0d; --surface-2:#1a1611;
  --line:rgba(230,193,92,.20); --line-soft:rgba(255,255,255,.07);
  /* Metallic gold: bright highlight → main → deep antique */
  --gold-lite:#f7e6ad; --gold:#e6c15c; --gold-2:#b0812a;
  /* Secondary accent kept as antique gold so the theme stays black + gold */
  --jade:#cba85a;
  --text:#f4efe2; --muted:#9c9284;
  --display:"Sora",system-ui,sans-serif;
  --body:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1140px; --radius:16px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--text);font-family:var(--body);
  line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:20px}
h1,h2,h3,h4{font-family:var(--display);line-height:1.12;letter-spacing:-.02em}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}

.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#1a1206;
  padding:10px 16px;font-weight:700;z-index:200;border-radius:0 0 8px 0}
.skip:focus{left:0}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);
  font-weight:700;padding:14px 24px;border-radius:999px;cursor:pointer;
  border:1px solid transparent;transition:transform .15s ease,box-shadow .15s ease;font-size:15px}
.btn-gold{background:linear-gradient(180deg,var(--gold-lite),var(--gold) 46%,var(--gold-2));
  color:#1c1403;border:none;box-shadow:0 10px 26px rgba(230,193,92,.4)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(230,193,92,.55)}
.btn-ghost{border-color:var(--line);color:var(--text)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}

/* ---------- Header / Nav ---------- */
.site-header{position:sticky;top:0;z-index:100;
  background:rgba(13,9,18,.82);backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line-soft)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--display);
  font-weight:800;font-size:20px;letter-spacing:-.03em}
.brand-mark{width:30px;height:30px;border-radius:8px;
  background:linear-gradient(135deg,var(--gold-lite),var(--gold) 50%,var(--gold-2));
  display:grid;place-items:center;color:#1c1403;font-weight:800;font-size:15px}
.brand-logo{height:44px;width:auto;display:block}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none}
.nav-links a{font-size:15px;color:var(--muted);font-weight:600;transition:color .15s}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--text)}
.nav-cta{display:flex;align-items:center;gap:12px}
.hamburger{display:none;background:none;border:1px solid var(--line-soft);
  width:44px;height:44px;border-radius:10px;cursor:pointer;color:var(--text)}
.hamburger svg{margin:auto}

/* ---------- Breadcrumb ---------- */
.crumbs{padding:18px 0 0;font-size:13px;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.crumbs a:hover{color:var(--gold)}
.crumbs li+li::before{content:"/";margin-right:8px;opacity:.5}

/* ---------- Hero ---------- */
.hero{position:relative;padding:72px 0 84px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;
  background:radial-gradient(720px 420px at 80% 12%,rgba(230,193,92,.16),transparent 62%),
             radial-gradient(560px 380px at 8% 92%,rgba(176,129,42,.12),transparent 58%)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero-slim{padding:52px 0 40px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);
  font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;
  color:var(--gold);background:rgba(230,193,92,.10);
  border:1px solid rgba(230,193,92,.30);padding:7px 14px;border-radius:999px}
.hero h1{font-size:clamp(36px,6vw,60px);font-weight:800;margin:22px 0 18px}
.hero-slim h1{font-size:clamp(32px,5vw,48px);margin:14px 0 14px}
.hero h1 .hl{color:var(--gold)}
.lede{font-size:clamp(17px,2.2vw,20px);color:var(--muted);max-width:52ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin:30px 0 26px}
.trust-row{display:flex;flex-wrap:wrap;gap:22px;color:var(--muted);font-size:14px}
.trust-row span{display:flex;align-items:center;gap:7px}
.dot{width:7px;height:7px;border-radius:50%;background:var(--jade)}

/* ---------- Signature chip ---------- */
.chip-stage{display:grid;place-items:center;position:relative}
.chip{width:min(320px,78vw);aspect-ratio:1;border-radius:50%;position:relative;
  background:radial-gradient(circle at 50% 40%,#1e1a12,#0a0805 74%);
  box-shadow:0 30px 80px -18px rgba(230,193,92,.45),
             inset 0 0 0 2px rgba(230,193,92,.35),inset 0 0 40px rgba(230,193,92,.08);
  animation:float 6s ease-in-out infinite}
.chip::before{content:"";position:absolute;inset:6%;border-radius:50%;
  background:repeating-conic-gradient(var(--gold) 0 8deg,transparent 8deg 22deg);
  -webkit-mask:radial-gradient(circle,transparent 0 43%,#000 43% 50%,transparent 50%);
          mask:radial-gradient(circle,transparent 0 43%,#000 43% 50%,transparent 50%);opacity:.9}
.chip-inner{position:absolute;inset:20%;border-radius:50%;
  border:2px dashed rgba(245,196,81,.5);display:grid;place-content:center;text-align:center;
  background:radial-gradient(circle,rgba(245,196,81,.10),transparent 70%)}
.chip-inner .amt{font-family:var(--display);font-weight:800;font-size:clamp(42px,10vw,68px);
  color:var(--gold);line-height:.9;letter-spacing:-.03em}
.chip-inner .amt small{font-size:.42em;vertical-align:top;color:var(--gold-2)}
.chip-inner .lbl{font-family:var(--display);font-weight:700;font-size:12px;
  letter-spacing:.22em;text-transform:uppercase;color:var(--muted);margin-top:8px}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}

/* ---------- Strip ---------- */
.strip{border-block:1px solid var(--line-soft);background:var(--surface)}
.strip-inner{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;
  padding:22px 0;font-size:14px;color:var(--muted)}
.strip-inner b{color:var(--text);font-family:var(--display)}

/* ---------- Sections ---------- */
.section{padding:76px 0}
.section.tint{background:var(--surface);border-block:1px solid var(--line-soft)}
.section-head{max-width:62ch;margin-bottom:44px}
.section-head.center{margin-inline:auto;text-align:center}
.kicker{font-family:var(--display);font-weight:700;font-size:13px;
  letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.section-head h2{font-size:clamp(28px,4vw,42px);margin:12px 0 10px}
.section-head p{color:var(--muted);font-size:17px}

/* ---------- Cards / grids ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:var(--surface);border:1px solid var(--line-soft);
  border-radius:var(--radius);padding:26px 24px}
.card h3{font-size:20px;margin-bottom:8px}
.card p{color:var(--muted);font-size:15px}
.card .link{font-family:var(--display);font-weight:700;font-size:14px;color:var(--gold);
  display:inline-block;margin-top:14px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.step{background:var(--surface);border:1px solid var(--line-soft);border-radius:var(--radius);
  padding:28px 24px;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--display);
  font-weight:800;font-size:44px;color:var(--gold);opacity:.28;line-height:1}
.step h3{font-size:20px;margin:12px 0 8px}
.step p{color:var(--muted);font-size:15px}

.provider{background:linear-gradient(180deg,var(--surface-2),var(--surface));
  border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;
  transition:transform .18s ease,border-color .18s ease}
.provider:hover{transform:translateY(-4px);border-color:var(--gold)}
.logo{width:52px;height:52px;border-radius:12px;display:grid;place-items:center;
  font-family:var(--display);font-weight:800;color:#1c1403;
  background:linear-gradient(135deg,var(--gold-lite),var(--gold) 50%,var(--gold-2));
  margin-bottom:16px}

.feature .ic{width:42px;height:42px;border-radius:10px;background:rgba(230,193,92,.12);
  color:var(--gold);display:grid;place-items:center;margin-bottom:14px;font-weight:800;font-family:var(--display)}
.feature h3{font-size:17px;margin-bottom:6px}
.feature p{color:var(--muted);font-size:14px}

/* ---------- Prose (article body) ---------- */
.prose{max-width:760px;margin-inline:auto}
.prose h2{font-size:clamp(24px,3.4vw,32px);margin:38px 0 14px}
.prose h3{font-size:21px;margin:28px 0 10px}
.prose p{color:#d9cfe6;font-size:16px;margin-bottom:16px}
.prose ul,.prose ol{color:#d9cfe6;font-size:16px;margin:0 0 18px 22px}
.prose li{margin-bottom:8px}
.prose a{color:var(--gold);text-decoration:underline;text-underline-offset:3px}

/* ---------- Table ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--line-soft);border-radius:var(--radius)}
table{width:100%;border-collapse:collapse;min-width:480px}
th,td{padding:14px 16px;text-align:left;font-size:15px;border-bottom:1px solid var(--line-soft)}
th{font-family:var(--display);font-size:13px;letter-spacing:.05em;text-transform:uppercase;
  color:var(--gold);background:var(--surface-2)}
td{color:#d9cfe6}
tr:last-child td{border-bottom:0}

/* ---------- Terms ---------- */
.terms{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;max-width:760px;margin-inline:auto}
.terms h3{font-size:20px;margin-bottom:16px}
.terms ul{list-style:none;display:grid;gap:12px}
.terms li{display:flex;gap:12px;color:var(--muted);font-size:15px}
.terms li b{color:var(--text)}
.terms li::before{content:"✓";color:var(--jade);font-weight:800}

/* ---------- Rating ---------- */
.rank-list{display:grid;gap:16px}
.rank{display:grid;grid-template-columns:auto 1fr auto;gap:20px;align-items:center;
  background:var(--surface);border:1px solid var(--line-soft);border-radius:var(--radius);padding:22px 24px}
.rank .pos{font-family:var(--display);font-weight:800;font-size:30px;color:var(--gold);opacity:.6;width:44px;text-align:center}
.rank h3{font-size:19px;margin-bottom:4px}
.rank .stars{color:var(--gold);font-size:14px;letter-spacing:2px}
.rank .meta{color:var(--muted);font-size:14px;margin-top:4px}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin-inline:auto}
.faq-item{border:1px solid var(--line-soft);border-radius:12px;margin-bottom:12px;
  background:var(--surface);overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;color:var(--text);cursor:pointer;
  font-family:var(--display);font-weight:700;font-size:17px;padding:20px 22px;
  display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-q .chev{transition:transform .2s ease;color:var(--gold);flex:none}
.faq-q[aria-expanded="true"] .chev{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a p{padding:0 22px 20px;color:var(--muted);font-size:15px}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(135deg,#1c1330,#140d1e);
  border:1px solid var(--line);border-radius:24px;padding:52px 40px;text-align:center}
.cta-band h2{font-size:clamp(26px,4vw,38px);margin-bottom:12px}
.cta-band p{color:var(--muted);max-width:52ch;margin:0 auto 26px}

/* ---------- Footer ---------- */
.site-footer{background:var(--surface);border-top:1px solid var(--line-soft);
  padding:56px 0 30px;margin-top:20px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot-brand p{color:var(--muted);font-size:14px;margin:14px 0 18px;max-width:34ch}
.foot-col h4{font-size:14px;letter-spacing:.06em;text-transform:uppercase;color:var(--text);margin-bottom:16px}
.foot-col ul{list-style:none;display:grid;gap:10px}
.foot-col a{color:var(--muted);font-size:14px}
.foot-col a:hover{color:var(--gold)}
.foot-badges{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:8px}
.badge{border:1px solid var(--line-soft);border-radius:8px;padding:8px 12px;font-size:12px;color:var(--muted);font-weight:600}
.foot-bottom{border-top:1px solid var(--line-soft);margin-top:40px;padding-top:24px;
  display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;color:var(--muted);font-size:13px}
.rg{display:flex;align-items:center;gap:10px;max-width:60ch}
.rg .age{border:2px solid var(--gold);color:var(--gold);border-radius:50%;
  width:34px;height:34px;display:grid;place-items:center;font-weight:800;font-family:var(--display);flex:none}

/* ---------- Responsive tiers: laptop ≤1366px · tablet ≤768px · mobile ≤480px ---------- */
/* .wrap stays fixed at max-width:1140px with 20px side padding at every tier. */
@media(max-width:1366px){
  .nav-links{gap:18px}
  .nav-links a{font-size:14px}
  .nav-cta{gap:10px}
  .nav-cta .btn{padding:12px 18px;font-size:14px}
  .section{padding:64px 0}
  .hero{padding:60px 0 72px}
}
/* Nav bar has its own collapse point, not the 768px tablet tier below: with
   6 links + the wordmark + 2 CTA buttons, it visibly overflows/wraps anywhere
   under ~1000px even at the tightened 1366-tier spacing above — 1024px is the
   narrowest width it stays on one line, so the hamburger takes over there
   instead of waiting for the tablet breakpoint. */
@media(max-width:1024px){
  .nav-links,.nav-cta .btn-ghost{display:none}
  .hamburger{display:grid}
  .nav-links.open{display:flex;position:absolute;top:68px;left:0;right:0;
    flex-direction:column;gap:0;background:var(--surface);
    border-bottom:1px solid var(--line-soft);padding:8px 20px 16px}
  .nav-links.open a{padding:14px 0;border-bottom:1px solid var(--line-soft);width:100%;font-size:15px}
}
@media(max-width:768px){
  .hero-grid,.foot-grid{grid-template-columns:1fr}
  .chip-stage{order:-1}
  .grid-3,.steps{grid-template-columns:1fr}
  .grid-4{grid-template-columns:1fr 1fr}
  .rank{grid-template-columns:auto 1fr;gap:14px}
  .rank .btn{grid-column:1/-1}
}
@media(max-width:480px){.grid-4{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}html{scroll-behavior:auto}}