:root {
      --blue:#CC1B1B; --blue-dark:#A51414; --blue-light:#FDECEA; --blue-mid:#F5BFBF;
      --teal:#00A89D; --teal-dark:#008880; --teal-light:#E0F5F4; --teal-mid:#80D4CF;
      --white:#FFFFFF; --off-white:#F7FAFD; --gray-50:#F0F4F8; --gray-100:#E2E8F0;
      --gray-200:#CBD5E1; --gray-400:#94A3B8; --gray-600:#475569;
      --dark:#0F1C2E; --text:#1A2B3C; --text-muted:#607080;
      --green:#10B981; --orange:#F97316; --red:#EF4444;
      --radius-sm:4px; --radius:8px; --radius-lg:14px; --radius-xl:20px;
      --shadow-sm:0 1px 3px rgba(0,0,0,0.07);
      --shadow:0 4px 16px rgba(204,27,27,0.1);
      --shadow-lg:0 12px 36px rgba(0,0,0,0.1);
      --nav-h:68px; --topbar-h:38px;
    }
    *,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}
    html{scroll-behavior:smooth;}
    body{font-family:"Inter",sans-serif;font-optical-sizing:auto;color:var(--text);background:var(--white);overflow-x:hidden;line-height:1.6;}
    a{text-decoration:none;color:inherit;} ul,ol{list-style:none;}
    button{border:none;background:none;cursor:pointer;font-family:inherit;}

    /* ── TOPBAR ── */
    .topbar{height:var(--topbar-h);background:var(--dark);display:flex;align-items:center;justify-content:space-between;padding:0 48px;}
    .topbar-left{display:flex;align-items:center;gap:20px;font-size:12px;color:rgba(255,255,255,0.65);}
    .topbar-left svg{width:13px;height:13px;flex-shrink:0;}
    .topbar-sep{width:1px;height:14px;background:rgba(255,255,255,0.12);}
    .topbar-right{display:flex;align-items:center;gap:12px;}
    .topbar-phone{font-size:13px;font-weight:700;color:#fff;display:flex;align-items:center;gap:7px;}
    .topbar-phone svg{width:13px;height:13px;color:var(--teal);}
    .topbar-social{display:flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:var(--radius-sm);color:rgba(255,255,255,0.65);transition:all .2s;}
    .topbar-social:hover{color:#fff;background:rgba(255,255,255,0.12);}
    .topbar-badge{font-size:11px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--dark);background:var(--teal);padding:3px 9px;border-radius:var(--radius-sm);}

    /* ── NAV ── */
    nav{position:sticky;top:0;z-index:100;height:var(--nav-h);background:var(--white);border-bottom:1px solid var(--gray-100);box-shadow:var(--shadow-sm);display:flex;align-items:center;justify-content:space-between;padding:0 48px;gap:20px;}
    .nav-logo{display:flex;align-items:center;gap:10px;flex-shrink:0;}
    .nav-logo img { height: 44px; width: auto; display: block; }
    .nav-search{display:flex;align-items:center;background:var(--gray-50);border:1.5px solid var(--gray-100);border-radius:var(--radius);overflow:hidden;width:280px;}
    .nav-search:focus-within{border-color:var(--blue);}
    .nav-search-input{flex:1;padding:10px 14px;font-size:13px;border:none;background:transparent;color:var(--text);outline:none;}
    .nav-search-input::placeholder{color:var(--gray-400);}
    .nav-search-btn{width:40px;height:40px;background:var(--blue);display:flex;align-items:center;justify-content:center;}
    .nav-search-btn svg{width:16px;height:16px;color:#fff;}
    .nav-links{display:flex;align-items:center;gap:2px;}
    .nav-link{padding:8px 13px;font-size:13px;font-weight:500;color:var(--gray-600);border-radius:var(--radius-sm);transition:all .2s;white-space:nowrap;}
    .nav-link:hover,.nav-link.active{background:var(--blue-light);color:var(--blue);}
    .nav-link.active{font-weight:600;}
    .nav-cta{display:flex;align-items:center;gap:10px;flex-shrink:0;}
    .btn-primary{padding:9px 16px;font-size:13px;font-weight:600;background:var(--blue);color:#fff;border-radius:var(--radius);display:inline-flex;align-items:center;gap:7px;transition:all .2s;}
    .btn-primary:hover{background:var(--blue-dark);}
    .btn-primary svg{width:14px;height:14px;}
    .btn-teal{padding:9px 16px;font-size:13px;font-weight:600;background:var(--teal);color:#fff;border-radius:var(--radius);display:inline-flex;align-items:center;gap:7px;transition:all .2s;}
    .btn-teal:hover{background:var(--teal-dark);}
    .btn-teal svg{width:14px;height:14px;}

    /* ── MOBILE NAV TOGGLE ── */
    .nav-toggle{display:none;width:40px;height:40px;align-items:center;justify-content:center;border-radius:var(--radius-sm);flex-shrink:0;}
    .nav-toggle svg{width:22px;height:22px;color:var(--dark);}

    /* ── PAGE HERO ── */
    .page-hero{background:linear-gradient(135deg,#1a0505 0%,#6b0000 50%,#990000 100%);padding:56px 48px;position:relative;overflow:hidden;}
    .page-hero::before{content:'';position:absolute;top:-60px;right:-60px;width:360px;height:360px;border-radius:50%;background:rgba(255,255,255,0.04);}
    .page-hero::after{content:'';position:absolute;bottom:-80px;left:20%;width:280px;height:280px;border-radius:50%;background:rgba(0,168,157,0.06);}
    .page-hero-inner{max-width:680px;position:relative;z-index:1;}
    .page-hero-tag{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,0.85);background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.15);padding:5px 14px;border-radius:20px;margin-bottom:16px;}
    .page-hero-dot{width:7px;height:7px;background:var(--teal);border-radius:50%;animation:pulse 2s infinite;}
    @keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(1.3)}}
    .page-hero h1{font-size:38px;font-weight:900;color:#fff;letter-spacing:-0.5px;line-height:1.18;margin-bottom:16px;}
    .page-hero p{font-size:15px;color:rgba(255,255,255,0.75);line-height:1.8;max-width:600px;margin-bottom:12px;}
    .page-hero p:last-of-type{margin-bottom:24px;}
    .page-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:14px;}
    .btn-hero-white{padding:12px 24px;font-size:14px;font-weight:700;background:#fff;color:var(--dark);border-radius:var(--radius);display:inline-flex;align-items:center;gap:8px;transition:all .2s;}
    .btn-hero-white:hover{background:var(--blue-light);transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,0,0,0.2);}
    .btn-hero-white svg{width:15px;height:15px;color:var(--blue);}
    .btn-hero-outline{padding:12px 22px;font-size:14px;font-weight:600;color:rgba(255,255,255,0.85);border:1.5px solid rgba(255,255,255,0.25);border-radius:var(--radius);transition:all .2s;}
    .btn-hero-outline:hover{border-color:rgba(255,255,255,0.6);color:#fff;}
    .fin-hero-note{font-size:12px;color:rgba(255,255,255,0.55);max-width:520px;line-height:1.6;}

    /* ── LEGAL / FINE PRINT ── */
    .fin-disclaimer{font-size:12px;color:var(--text-muted);line-height:1.7;font-style:italic;}
    .fin-disclaimer--hero{color:rgba(255,255,255,0.55);max-width:600px;}
    .section-label{font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue);margin-bottom:10px;}
    .section-title{font-size:26px;font-weight:800;color:var(--dark);letter-spacing:-0.3px;line-height:1.2;}
    .fin-lead{font-size:14px;font-weight:600;color:var(--dark);margin-bottom:16px;}

    /* ── HOW CARECREDIT WORKS (vertical steps) ── */
    .fin-steps-section{padding:64px 48px;background:var(--white);}
    .how-header{text-align:center;margin-bottom:44px;}
    .fin-steps{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:0;}
    .fin-step{display:grid;grid-template-columns:52px 1fr;gap:20px;padding:28px 0;border-bottom:1px solid var(--gray-100);}
    .fin-step:last-child{border-bottom:none;padding-bottom:0;}
    .fin-step:first-child{padding-top:0;}
    .fin-step-num{width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:800;box-shadow:0 4px 14px rgba(204,27,27,0.3);}
    .fin-step-title{font-size:17px;font-weight:700;color:var(--dark);margin-bottom:10px;}
    .fin-step-body p{font-size:14px;color:var(--text-muted);line-height:1.8;margin-bottom:10px;}
    .fin-step-lead{font-size:13px;font-weight:600;color:var(--dark) !important;margin-bottom:10px !important;}
    .fin-step-body .fin-disclaimer{margin-top:8px;}

    /* ── CHECK LISTS ── */
    .fin-check-list{display:flex;flex-direction:column;gap:9px;margin:10px 0 14px;}
    .fin-check-list li{position:relative;padding-left:26px;font-size:14px;color:var(--text-muted);line-height:1.6;}
    .fin-check-list li::before{content:'';position:absolute;left:0;top:5px;width:16px;height:16px;border-radius:50%;background:var(--teal-light);}
    .fin-check-list li::after{content:'';position:absolute;left:5px;top:8px;width:6px;height:3px;border-left:2px solid var(--teal-dark);border-bottom:2px solid var(--teal-dark);transform:rotate(-45deg);}
    .fin-check-list--grid{display:grid;grid-template-columns:1fr 1fr;gap:9px 20px;}
    .fin-check-list--centered{max-width:520px;margin:10px auto 16px;text-align:left;}

    .fin-numbered-list{display:flex;flex-direction:column;gap:12px;margin:10px 0 16px;counter-reset:fin-step;max-width:600px;}
    .fin-numbered-list li{position:relative;padding-left:34px;font-size:14px;color:var(--text-muted);line-height:1.65;counter-increment:fin-step;}
    .fin-numbered-list li::before{content:counter(fin-step);position:absolute;left:0;top:-1px;width:22px;height:22px;border-radius:50%;background:var(--blue-light);color:var(--blue);font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center;}

    /* ── WHY CHOOSE ── */
    .fin-why{background:var(--off-white);padding:64px 48px;}
    .fin-why-inner{max-width:640px;margin:0 auto;text-align:center;}
    .fin-why h2{font-size:26px;font-weight:800;color:var(--dark);letter-spacing:-0.3px;margin-bottom:14px;}

    /* ── BEFORE YOU APPLY ── */
    .fin-before{background:var(--white);padding:64px 48px;}
    .fin-before-inner{max-width:640px;margin:0 auto;text-align:center;}
    .fin-before h2{font-size:26px;font-weight:800;color:var(--dark);letter-spacing:-0.3px;margin-bottom:14px;}
    .fin-before .fin-numbered-list{margin-left:auto;margin-right:auto;text-align:left;}

    /* ── CTA BANNER (cardholder) ── */
    .fin-cta{background:var(--blue);padding:56px 48px;text-align:center;}
    .fin-cta-tag{font-size:12px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,.75);margin-bottom:10px;}
    .fin-cta h2{font-size:30px;font-weight:800;color:#fff;letter-spacing:-0.5px;margin-bottom:12px;}
    .fin-cta p{font-size:15px;color:rgba(255,255,255,0.7);max-width:560px;margin:0 auto 28px;line-height:1.7;}
    .fin-cta-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;}
    .btn-cta-white{padding:13px 28px;font-size:14px;font-weight:700;background:#fff;color:var(--blue-dark);border-radius:var(--radius);transition:all .2s;display:inline-flex;align-items:center;gap:8px;}
    .btn-cta-white:hover{background:var(--blue-light);transform:translateY(-1px);}
    .btn-cta-white svg{width:15px;height:15px;}
    .btn-cta-outline{padding:13px 24px;font-size:14px;font-weight:600;border:1.5px solid rgba(255,255,255,0.35);color:rgba(255,255,255,0.9);border-radius:var(--radius);transition:all .2s;}
    .btn-cta-outline:hover{border-color:#fff;color:#fff;}

    /* ── NEED HELP SELECTING EQUIPMENT ── */
    .fin-help{background:var(--off-white);padding:64px 48px;}
    .fin-help-inner{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1fr 320px;gap:40px;align-items:center;}
    .fin-help-text h2{font-size:24px;font-weight:800;color:var(--dark);letter-spacing:-0.3px;margin-bottom:14px;}
    .fin-help-text p{font-size:14px;color:var(--text-muted);line-height:1.8;margin-bottom:10px;}
    .fin-help-card{background:var(--white);border:1.5px solid var(--gray-100);border-radius:var(--radius-xl);padding:28px;box-shadow:var(--shadow-lg);}
    .fin-help-card-name{font-size:15px;font-weight:800;color:var(--dark);margin-bottom:14px;}
    .fin-help-card-row{font-size:13px;color:var(--text-muted);line-height:1.7;padding:8px 0;border-top:1px solid var(--gray-100);}
    .fin-help-card-row:first-of-type{border-top:none;padding-top:0;}
    .fin-help-card-row a{color:var(--blue);font-weight:600;}
    .fin-help-card-row a:hover{text-decoration:underline;}

    /* ── FOOTER ── */
    footer{background:var(--dark);}
    .footer-bottom{padding:20px 48px;border-top:1px solid rgba(255,255,255,.08);display:flex;align-items:center;justify-content:space-between;}
    .footer-bottom p{font-size:12px;color:rgba(255,255,255,.35);}
    .footer-links-row{display:flex;gap:20px;}
    .footer-link-sm{font-size:12px;color:rgba(255,255,255,.4);transition:color .2s;}
    .footer-link-sm:hover{color:rgba(255,255,255,.8);}

    /* ── BACK TO TOP ── */
    .back-top{position:fixed;bottom:28px;right:28px;width:44px;height:44px;background:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 4px 16px rgba(204,27,27,.4);opacity:0;transform:translateY(10px);transition:all .3s;z-index:90;}
    .back-top.visible{opacity:1;transform:translateY(0);}
    .back-top svg{width:18px;height:18px;color:#fff;}

    /* ── SCROLL REVEAL ── */
    .reveal{opacity:0;transform:translateY(24px);transition:all .6s cubic-bezier(.16,1,.3,1);}
    .reveal.visible{opacity:1;transform:translateY(0);}
    .reveal-delay-1.visible{transition-delay:.1s;}
    .reveal-delay-2.visible{transition-delay:.2s;}
    .reveal-delay-3.visible{transition-delay:.3s;}

    /* ── RESPONSIVE ── */
    @media(max-width:1024px){
      nav,.topbar,.page-hero,.fin-steps-section,.fin-why,.fin-before,.fin-cta,.fin-help,.footer-bottom{padding-left:24px;padding-right:24px;}
      .fin-help-inner{grid-template-columns:1fr;}
      .nav-search{width:200px;}
    }
    @media(max-width:900px){
      .nav-cta .btn-outline:not(:only-child), .nav-cta .btn-nav-outline:not(:only-child) { display: none; }
      .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;align-items:stretch;gap:0;padding:8px;border-bottom:1px solid var(--gray-100);box-shadow:var(--shadow-lg);}
      .nav-links.mobile-open{display:flex;}
      .nav-link{padding:12px 14px;border-radius:var(--radius-sm);}
      .nav-toggle{display:flex;}
      .nav-search{display:none;}
    }
    @media(max-width:768px){
      .topbar{display:none;}
      .page-hero h1{font-size:28px;}
      .fin-why h2,.fin-before h2,.fin-help-text h2{font-size:21px;}
      .fin-cta h2{font-size:24px;}
      .fin-step{grid-template-columns:40px 1fr;gap:14px;}
      .fin-check-list--grid{grid-template-columns:1fr;}
      .footer-bottom{flex-direction:column;gap:10px;text-align:center;}
    }
    @media(max-width:480px){
      nav,.page-hero,.fin-steps-section,.fin-why,.fin-before,.fin-cta,.fin-help{padding-left:16px;padding-right:16px;}
      .nav-logo img{height:34px;}
      .page-hero h1{font-size:24px;}
      .page-hero-actions{flex-direction:column;align-items:stretch;}
      .page-hero-actions a{justify-content:center;}
      .fin-cta-actions{flex-direction:column;align-items:stretch;}
      .footer-links-row{flex-wrap:wrap;justify-content:center;gap:12px;}
    }