/* credit.rentals v2 — design refs: bilt.com (dark navy, glass, sky/gold), cred.club (statement band, security block), getflex.com (numbered steps, light FAQ) */
:root{
  --bg:#0f1419;--bg-deep:#010a13;--fg:#fbfbfb;--fg-dim:rgba(250,250,250,.72);--muted:#8a929a;
  --sky:#97c6ea;--sky-tint:#d1e6fb;--gold:#edd496;--light:#edeae8;--ink:#0c0c0c;
  --glass:rgba(47,63,77,.64);--ring:rgba(255,255,255,.08);--r:16px;--r-btn:6px;
  color-scheme:dark;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--fg);font-family:Inter,"Noto Sans HK",system-ui,sans-serif;font-weight:400;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--sky)}
.wrap{max-width:1160px;margin:0 auto;padding:0 16px}
h1,h2,h3{font-weight:500;letter-spacing:-.01em;margin:0}
h1{font-size:clamp(2.6rem,7vw,4.6rem);line-height:1.08}
h2{font-size:clamp(1.8rem,4.4vw,3rem);line-height:1.15}
h3{font-size:1.2rem;line-height:1.35}
.dim{color:var(--fg-dim)}
section{padding:96px 0}
@media (max-width:700px){section{padding:64px 0}}

/* nav */
.nav{position:sticky;top:0;z-index:20;background:rgba(15,20,25,.72);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid var(--ring)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:600;font-size:1.2rem;color:var(--fg);text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--sky)}
.nav nav{display:flex;gap:6px;align-items:center}
.nav nav a{color:var(--fg-dim);text-decoration:none;padding:8px 12px;border-radius:50px;font-size:.95rem}
.nav nav a:hover{color:var(--fg)}
.nav nav a.pill{background:var(--glass);box-shadow:inset 0 0 0 1px var(--ring);color:var(--fg)}
@media (max-width:640px){.nav nav a:not(.pill){display:none}}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:var(--r-btn);font-weight:500;text-decoration:none;border:0;font-size:1rem;cursor:pointer;font-family:inherit;transition:transform .2s,background .2s}
.btn.primary{background:var(--sky);color:var(--bg-deep)}
.btn.primary:hover{background:var(--sky-tint);transform:translateY(-1px)}
.btn.ghost{background:var(--glass);color:var(--fg);box-shadow:inset 0 0 0 1px var(--ring)}
.btn.ghost:hover{background:rgba(47,63,77,.9)}
.btn[disabled]{opacity:.6;cursor:not-allowed}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* image placeholder with Gemini prompt */
.ph-img{position:relative;margin:0;border-radius:var(--r);overflow:hidden;background:
  repeating-linear-gradient(135deg,rgba(151,198,234,.06) 0 12px,transparent 12px 24px),linear-gradient(160deg,#16222d,#0b1117);
  box-shadow:inset 0 0 0 1px rgba(151,198,234,.25);display:flex;flex-direction:column;justify-content:flex-end;padding:18px;color:var(--fg-dim);font-size:.78rem;line-height:1.5}
.ph-img .tag{position:absolute;top:14px;left:14px;background:var(--gold);color:var(--bg-deep);font-weight:600;font-size:.72rem;padding:3px 10px;border-radius:50px;letter-spacing:.02em}
.ph-img .prompt{margin:0;max-height:100%;overflow:auto}
.ph-img .prompt b{color:var(--sky)}

/* hero (bilt) */
.hero{position:relative;min-height:min(88vh,860px);display:flex;align-items:center;padding:72px 0;overflow:hidden}
.hero .ph-img{position:absolute;inset:0;border-radius:0;justify-content:flex-end;align-items:flex-end;padding:24px}
.hero .ph-img .prompt{max-width:460px;text-align:right;opacity:.85}
.hero .ph-img .tag{top:auto;bottom:auto;left:auto;right:24px;top:84px}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(60% 60% at 25% 45%,rgba(15,20,25,.92),rgba(15,20,25,.35) 70%,transparent);pointer-events:none}
.hero .wrap{position:relative;z-index:2;width:100%}
.hero h1{max-width:12em}
.hero .lead{font-size:clamp(1.4rem,3.4vw,2.2rem);margin:.35em 0 0;max-width:18em;line-height:1.3}
.chips{list-style:none;padding:0;margin:36px 0 0;display:flex;flex-wrap:wrap;gap:12px;max-width:640px}
.chips li{background:var(--glass);backdrop-filter:blur(34px);-webkit-backdrop-filter:blur(34px);box-shadow:inset 0 0 0 1px var(--ring);border-radius:50px;padding:10px 18px;font-size:.98rem;display:flex;align-items:center;gap:10px}
.chips li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 12px var(--gold)}
.chips li:nth-child(2){transform:translateX(28px)}
@media (max-width:700px){.chips li:nth-child(2){transform:none}.hero .ph-img .prompt{display:none}}

/* offer cards (bilt portrait stack) */
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:36px}
.stack{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.offer{position:relative;border-radius:var(--r);overflow:hidden;aspect-ratio:8/9;display:flex;flex-direction:column;justify-content:flex-end;box-shadow:inset 0 0 0 1px var(--ring)}
.offer .ph-img{position:absolute;inset:0;justify-content:flex-start;padding-top:48px}
.offer .ph-img .prompt{max-height:46%;overflow:hidden;font-size:.72rem;-webkit-mask-image:linear-gradient(#000 80%,transparent);mask-image:linear-gradient(#000 80%,transparent)}
.offer .body{position:relative;z-index:2;padding:22px;background:linear-gradient(to top,rgba(1,10,19,.96) 55%,rgba(1,10,19,0))}
.offer .body p{margin:.3em 0;color:var(--fg-dim)}
.offer .body .note{font-size:.85rem;color:var(--muted)}
.offer h3{margin-bottom:.4em}
@media (max-width:900px){
  .stack{grid-template-columns:1fr;gap:0}
  .offer{position:sticky;top:84px;margin-bottom:24px;aspect-ratio:auto;min-height:440px;background:var(--bg)}
  .offer:nth-child(2){top:100px}.offer:nth-child(3){top:116px}
}

/* statement band (cred) */
.statement{padding:120px 0;text-align:center}
.statement p{margin:0;font-size:clamp(2.2rem,8vw,6rem);line-height:1.1;font-weight:500;letter-spacing:-.02em;color:rgba(250,250,250,.14);transition:color 1.2s ease}
.statement p.on{color:var(--fg)}
.statement p .gold{color:inherit;transition:color 1.2s ease}
.statement p.on .gold{color:var(--gold)}

/* numbered steps (flex) */
.steps-wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.steps-wrap .intro{font-size:1.15rem;color:var(--fg-dim);margin:.8em 0 0}
.steps{list-style:none;padding:0;margin:36px 0 0;position:relative}
.steps::before{content:"";position:absolute;left:23px;top:24px;bottom:24px;width:1px;background:linear-gradient(var(--sky),rgba(151,198,234,.1))}
.steps li{position:relative;display:flex;gap:20px;align-items:center;padding:14px 0}
.steps .n{flex:0 0 48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--bg);box-shadow:inset 0 0 0 1px var(--sky);color:var(--sky);font-weight:600;font-size:1.2rem;position:relative;z-index:1}
.steps h3{font-size:1.25rem}
.split-note{margin:24px 0 0;padding:16px 20px;background:var(--glass);border-radius:var(--r);box-shadow:inset 0 0 0 1px var(--ring)}
.split-note strong{color:var(--gold);font-weight:500}
.steps-wrap .ph-img{aspect-ratio:4/3}
@media (max-width:900px){.steps-wrap{grid-template-columns:1fr}}

/* security block (cred) */
.secure{background:#000;padding:120px 0}
.secure h2{font-size:clamp(2rem,6vw,4.2rem);max-width:13em;line-height:1.12}
.secure .rows{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:64px;border-top:1px solid rgba(255,255,255,.14);padding-top:40px}
.secure .rows h3{font-size:1.05rem;color:var(--fg);margin-bottom:.5em}
.secure .rows p{margin:0;color:var(--muted);font-size:.98rem}
@media (max-width:800px){.secure .rows{grid-template-columns:1fr;gap:28px}}

/* FAQ light section (flex) */
.faq{background:var(--light);color:var(--ink)}
.faq-grid{display:grid;grid-template-columns:1fr 1.6fr;gap:48px}
.faq details{border-bottom:1px solid rgba(12,12,12,.12);padding:20px 0}
.faq details:first-child{border-top:1px solid rgba(12,12,12,.12)}
.faq summary{list-style:none;cursor:pointer;font-weight:500;font-size:1.1rem;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;line-height:1;color:#346da0;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:.8em 0 0;color:#3b3f44}
@media (max-width:800px){.faq-grid{grid-template-columns:1fr;gap:20px}}

/* sign-up panel (bilt CTA) */
.join{position:relative}
.join::before{content:"";position:absolute;inset:10% 0 auto 20%;height:60%;background:radial-gradient(closest-side,rgba(151,198,234,.18),transparent),radial-gradient(closest-side at 70% 60%,rgba(237,212,150,.12),transparent);filter:blur(40px);pointer-events:none}
.panel{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:0;background:var(--glass);backdrop-filter:blur(34px);-webkit-backdrop-filter:blur(34px);border-radius:24px;box-shadow:inset 0 0 0 1px var(--ring);overflow:hidden}
.panel .form-side{padding:48px}
.panel .ph-img{border-radius:0;min-height:100%;aspect-ratio:1/1}
form{display:grid;gap:12px;margin-top:24px;max-width:420px}
input{padding:14px 16px;border:0;border-radius:var(--r-btn);font-size:1rem;background:rgba(1,10,19,.55);color:var(--fg);box-shadow:inset 0 0 0 1px var(--ring);font-family:inherit}
.note{color:var(--muted);font-size:.85rem}
@media (max-width:860px){.panel{grid-template-columns:1fr}.panel .form-side{padding:28px}}

/* footer */
footer{border-top:1px solid var(--ring);padding:40px 0 56px;color:var(--muted);font-size:.88rem}
footer .links a,footer .links a:visited{color:var(--sky);text-decoration:none;margin-right:28px}
footer .links a:hover{text-decoration:underline}

/* legal pages */
.legal{padding:64px 0 88px;max-width:860px}
.legal h1{font-size:clamp(1.8rem,5vw,2.6rem);margin-bottom:.4em}
.legal .meta{color:var(--muted)}
.legal ol{padding-left:1.4em;margin-top:32px}
.legal li{margin:0 0 18px;color:var(--fg-dim)}
.legal li strong{color:var(--fg);font-weight:500}
.ph{background:rgba(237,212,150,.14);color:var(--gold);border-radius:4px;padding:0 5px}

/* reveal */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .9s ease,transform .9s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.statement p{transition:none}}

/* generated images replace placeholders */
.ph-img.has-img{background:#0b1117;padding:0}
.ph-img.has-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.steps-wrap .ph-img.has-img,.panel .ph-img.has-img{position:relative}

/* hero text colours: line 1 strong gold, line 2 softer sky blue */
.hero h1{color:var(--gold);font-weight:600;text-shadow:0 2px 24px rgba(1,10,19,.55)}
.hero .lead{color:rgba(151,198,234,.72);font-weight:400}