.footer{margin:50px auto 0;box-sizing:border-box;direction:rtl;width:100%}.footer *,.footer *:before,.footer *:after{box-sizing:border-box}.footer ul{list-style-type:none;padding:0;margin:0}.footer .above .firsRow{margin-top:-55px}.footer .above .footer-contain{background:#f2f3f6;border-radius:32px;padding:30px;border:1px solid #cdcfdb}.footer .copy-right{font-size:14px;color:#000}.footer .below{position:relative}.footer .below .trans{position:absolute;width:98%;height:100%;top:0;background-size:cover;background-repeat:no-repeat;background-position:center;z-index:1}@media screen and (max-width: 568px){.footer .below .trans{width:96%}}.footer .below .trans.trans-style{display:none}.footer .links{display:flex;flex-direction:column;margin-top:20px}@media screen and (max-width: 375px){.footer .links:first-child{margin-left:10px!important}}.footer .links a{margin-bottom:15px;font-size:16px;line-height:30px;text-align:right;color:#30357c;font-weight:500;text-decoration:none}.footer .links a:last-child{margin-bottom:0}.footer .cont-inf{display:flex;flex-direction:column}.footer .cont-inf span{margin-bottom:15px}.footer .cont-inf .pNum{direction:ltr}.footer .cont-inf .pNum a{color:#002c51}.footer .endLine svg{background:#ffffff;box-shadow:10px 9px 50px 5px #00569f12;border-radius:50%;margin-top:-27px;cursor:pointer;transition:all .4s linear}.footer .endLine svg:hover{transform:scale(1.2);box-shadow:10px 9px 50px 1px #00569f1a}@media screen and (max-width: 992px){.footer .links{flex-direction:column;flex-wrap:wrap;justify-content:flex-start}.footer .cont-inf{padding-top:30px;margin-top:20px;border-top:1px solid #bdbdbd;justify-content:center;text-align:center}}.footer .social{display:flex;align-items:center}.footer .social a{font-size:15px;color:#001c37;transition:all .1s;border-radius:50%;display:flex;align-items:center;padding:11px;background-color:#fff;box-shadow:3px 9px 50px 1px #00569f12}.footer .social a:hover{transform:scale(1.08)}.footer .social a svg{width:30px;height:30px}.footer .footerPic{max-width:fit-content;max-height:fit-content}.footer .address div{align-items:center;display:flex;font-size:1.02rem;font-weight:500;list-style-type:none}.footer .address a{color:#000;text-decoration:none}.footer .long-description{font-size:13px;color:#30357c;line-height:23px;text-align:justify;height:fit-content;overflow:hidden;transition:all .4s linear}.footer .long-description a{text-decoration:none}@media screen and (max-width: 1024px){.footer .long-description{font-size:.7rem;line-height:19px}}.footer .long-description.footerstyle{height:auto;overflow:auto}.officeHours{border:1px solid #dfe1f3;border-radius:24px;max-width:150px}.officeHours svg{margin-top:-26px}.officeHours .title{font-size:13px;font-weight:300;color:#8b8b8b}.officeHours .divider{height:1px;background-color:#30357c;opacity:.1;transform:none}.officeHours .description{font-size:13px;font-weight:500;color:#3d3d3d}@font-face{font-family:Pelak;font-style:normal;font-weight:300;src:url(/PelakFA-Regular.woff2) format("woff2"),url(/PelakFA-Regular.woff) format("woff");font-display:swap}:root{--blue-50: #eef4ff;--blue-100: #dbe8ff;--blue-400: #3f7bff;--blue-500: #1f5cf7;--blue-600: #124fe0;--navy-900: #081538;--navy-800: #0e1f4d;--gray-50: #f5f7fb;--gray-100: #eef1f6;--gray-200: #e2e6ee;--gray-500: #6b7280;--gray-700: #3b4254;--white: #ffffff;--mint-500: #17b26a;--mint-100: #e3f9ee;--amber-500: #f5a524;--radius-lg: 28px;--radius-md: 18px;--radius-sm: 12px;--shadow-soft: 0 10px 30px -12px rgba(18, 42, 110, .18);--shadow-card: 0 2px 8px rgba(18, 42, 110, .06), 0 20px 40px -20px rgba(18, 42, 110, .15);--ff-body: "Vazirmatn", sans-serif;--ff-mono: "Pelak", sans-serif}.credit-upgrade{background:var(--white);color:var(--navy-900);font-family:var(--ff-body, "Vazirmatn", sans-serif);line-height:1.7;overflow-x:hidden;min-height:100vh;-webkit-font-smoothing:antialiased}.credit-upgrade *,.credit-upgrade *:before,.credit-upgrade *:after{box-sizing:border-box}.credit-upgrade img,.credit-upgrade svg{display:block;max-width:100%}.credit-upgrade a{color:inherit;text-decoration:none}.credit-upgrade ul{list-style:none}.credit-upgrade button{font-family:inherit;cursor:pointer;border:none;background:none}.credit-upgrade .wrap{max-width:1180px;margin:0 auto;padding:0 24px}.credit-upgrade .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:700;color:var(--blue-600);background:var(--blue-50);padding:7px 16px;border-radius:999px;letter-spacing:.2px}.credit-upgrade .eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--blue-500);flex-shrink:0}.credit-upgrade h1,.credit-upgrade h2,.credit-upgrade h3{font-weight:800;letter-spacing:-.02em;color:var(--navy-900)}.credit-upgrade .section{padding:96px 0}.credit-upgrade .section.gray{background:var(--gray-50)}.credit-upgrade .section-head{max-width:640px;margin:0 auto 56px;text-align:center}.credit-upgrade .section-head h2{font-size:clamp(28px,3.6vw,42px);margin-bottom:16px}.credit-upgrade .section-head p{color:var(--gray-700);font-size:17px}.credit-upgrade .section-head p,.credit-upgrade .hero-copy p.lead,.credit-upgrade .problem-card p,.credit-upgrade .why-card p,.credit-upgrade .report-lead,.credit-upgrade .seo-intro p,.credit-upgrade .seo-block-head p,.credit-upgrade .seo-crit span,.credit-upgrade .seo-risk p,.credit-upgrade .seo-step p,.credit-upgrade .seo-highlight-copy p,.credit-upgrade .seo-time-card p,.credit-upgrade .faq-cta,.credit-upgrade .faq-a p,.credit-upgrade .mock-text,.credit-upgrade .problems-note{text-align:justify}.credit-upgrade .reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease;margin:0 auto 56px}.credit-upgrade .reveal.in{opacity:1;transform:translateY(0)}.credit-upgrade header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.82);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border-bottom:1px solid var(--gray-200)}.credit-upgrade .nav{display:flex;align-items:center;justify-content:space-between;height:76px}.credit-upgrade .logo{display:flex;align-items:center;flex-shrink:0}.credit-upgrade .logo-img{height:36px;width:auto;display:block}.credit-upgrade .nav-links{display:flex;gap:36px;font-size:15px;font-weight:600;color:var(--gray-700)}.credit-upgrade .nav-links a{transition:color .2s}.credit-upgrade .nav-links a:hover{color:var(--blue-600)}.credit-upgrade .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;border-radius:999px;padding:14px 28px;transition:transform .18s ease,box-shadow .18s ease,background .18s ease;white-space:nowrap}.credit-upgrade .btn-primary{background:linear-gradient(180deg,var(--blue-500),var(--blue-600));color:#fff;box-shadow:0 10px 24px -8px #124fe08c}.credit-upgrade .btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 30px -8px #124fe099}.credit-upgrade .btn-primary:active{transform:translateY(0)}.credit-upgrade .btn-ghost{background:var(--gray-100);color:var(--navy-900)}.credit-upgrade .btn-ghost:hover{background:var(--gray-200)}.credit-upgrade .btn-sm{padding:10px 20px;font-size:14px}.credit-upgrade .nav-cta{display:none}@media (min-width: 900px){.credit-upgrade .nav-cta{display:inline-flex}}.credit-upgrade .hero{position:relative;padding:64px 0 40px;overflow:hidden}.credit-upgrade .hero:before{content:"";position:absolute;inset:-20% -10% auto -10%;height:640px;background:radial-gradient(60% 60% at 70% 20%,var(--blue-100) 0%,rgba(238,244,255,0) 70%);z-index:0}.credit-upgrade .hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr;gap:48px;align-items:center}@media (min-width: 960px){.credit-upgrade .hero-grid{grid-template-columns:1.05fr .95fr;gap:40px}}.credit-upgrade .hero-copy h1{font-size:clamp(34px,4.6vw,56px);line-height:1.18;margin-bottom:14px}.credit-upgrade .hero-copy .seo-span{display:block;font-size:15px;font-weight:600;color:var(--blue-600);max-width:520px;margin-bottom:16px;line-height:1.6}.credit-upgrade .hero-copy p.lead{font-size:18px;color:var(--gray-700);max-width:520px;margin-bottom:32px}.credit-upgrade .hero-trust{display:flex;align-items:center;gap:18px;margin-top:32px;flex-wrap:wrap}.credit-upgrade .hero-trust .item{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--gray-500);font-weight:600}.credit-upgrade .hero-trust svg{width:18px;height:18px;color:var(--mint-500)}.credit-upgrade .quiz-card{position:relative;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:28px;border:1px solid var(--gray-100)}.credit-upgrade .quiz-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}.credit-upgrade .quiz-title{font-size:14px;font-weight:800;color:var(--gray-700)}.credit-upgrade .quiz-badge{font-size:12px;font-weight:700;color:var(--blue-600);background:var(--blue-50);padding:5px 12px;border-radius:999px}.credit-upgrade .progress-track{height:6px;background:var(--gray-100);border-radius:999px;overflow:hidden;margin-bottom:24px}.credit-upgrade .progress-bar{height:100%;width:0%;background:linear-gradient(90deg,var(--blue-400),var(--blue-600));border-radius:999px;transition:width .5s cubic-bezier(.4,0,.2,1)}.credit-upgrade .q-panel{display:none}.credit-upgrade .q-panel.active{display:block;animation:qfade .4s ease}@keyframes qfade{0%{opacity:0;transform:translate(8px)}to{opacity:1;transform:translate(0)}}.credit-upgrade .q-text{font-size:17px;font-weight:700;margin-bottom:16px;color:var(--navy-900)}.credit-upgrade .q-options{display:grid;gap:10px}.credit-upgrade .q-option{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:14px 16px;border:1.5px solid var(--gray-200);border-radius:var(--radius-sm);font-size:15px;font-weight:600;color:var(--gray-700);text-align:right;transition:border-color .15s,background .15s,transform .1s}.credit-upgrade .q-option:hover{border-color:var(--blue-400);background:var(--blue-50)}.credit-upgrade .q-option.selected{border-color:var(--blue-500);background:var(--blue-50);color:var(--blue-600)}.credit-upgrade .q-option .chk{width:18px;height:18px;border-radius:50%;border:1.5px solid var(--gray-200);flex-shrink:0;position:relative}.credit-upgrade .q-option.selected .chk{border-color:var(--blue-500)}.credit-upgrade .q-option.selected .chk:after{content:"";position:absolute;top:3px;right:3px;bottom:3px;left:3px;border-radius:50%;background:var(--blue-500)}.credit-upgrade .quiz-nav{display:flex;justify-content:space-between;margin-top:22px;gap:12px}.credit-upgrade .quiz-nav .btn{flex:1}.credit-upgrade .quiz-nav .back-btn{flex:0 0 auto;padding:12px 18px}.credit-upgrade .quiz-state{padding:28px 8px;text-align:center;font-size:14px;font-weight:600;color:var(--gray-500)}.credit-upgrade .quiz-state-error{color:#b42318}.credit-upgrade .quiz-error{margin-top:12px;font-size:13px;font-weight:600;color:#b42318}.credit-upgrade .quiz-review-list{list-style:none;margin:0;padding:0;display:grid;gap:12px}.credit-upgrade .quiz-review-list li{display:grid;gap:4px;padding-bottom:12px;border-bottom:1px solid var(--gray-100)}.credit-upgrade .quiz-review-list li:last-child{border-bottom:0;padding-bottom:0}.credit-upgrade .quiz-review-list span{font-size:12px;font-weight:600;color:var(--gray-500);line-height:1.5}.credit-upgrade .quiz-review-list strong{font-size:14px;font-weight:700;color:var(--navy-900)}.credit-upgrade .quiz-review-note{margin-top:14px;font-size:13px;line-height:1.7;color:var(--gray-500)}.credit-upgrade .quiz-micro{margin-top:16px;font-size:12px;line-height:1.6;color:var(--gray-500);text-align:center}.credit-upgrade .analyzing{display:none;text-align:center;padding:20px 0 4px}.credit-upgrade .analyzing.active{display:block}.credit-upgrade .spinner-ring{width:74px;height:74px;margin:0 auto 22px;border-radius:50%;border:4px solid var(--gray-100);border-top-color:var(--blue-500);animation:spin 1s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}.credit-upgrade .analyzing-msg{font-size:15px;font-weight:700;color:var(--gray-700);min-height:22px}.credit-upgrade .result-panel{display:none}.credit-upgrade .result-panel.active{display:block;animation:qfade .5s ease}.credit-upgrade .gauge-wrap{display:flex;align-items:center;gap:20px;margin-bottom:20px}.credit-upgrade .gauge{position:relative;width:104px;height:104px;flex-shrink:0}.credit-upgrade .gauge svg{transform:rotate(-90deg)}.credit-upgrade .gauge .track{fill:none;stroke:var(--gray-100);stroke-width:10}.credit-upgrade .gauge .bar{fill:none;stroke:url(#gaugeGrad);stroke-width:10;stroke-linecap:round;stroke-dasharray:283;stroke-dashoffset:283;transition:stroke-dashoffset 1.2s cubic-bezier(.4,0,.2,1)}.credit-upgrade .gauge-num{position:absolute;top:0;right:0;bottom:0;left:0;display:flex;align-items:center;justify-content:center;font-family:var(--ff-mono);font-weight:700;font-size:22px;color:var(--navy-900)}.credit-upgrade .result-headline{font-size:16px;font-weight:800;margin-bottom:6px}.credit-upgrade .result-sub{font-size:14px;color:var(--gray-500)}.credit-upgrade .result-blur-box{position:relative;margin-top:18px;padding:18px;border-radius:var(--radius-sm);background:var(--gray-50);border:1px dashed var(--gray-200);overflow:hidden}.credit-upgrade .result-blur-box .fake-lines div{height:10px;background:var(--gray-200);border-radius:6px;margin-bottom:9px}.credit-upgrade .result-blur-box .fake-lines div:nth-child(1){width:92%}.credit-upgrade .result-blur-box .fake-lines div:nth-child(2){width:78%}.credit-upgrade .result-blur-box .fake-lines div:nth-child(3){width:85%}.credit-upgrade .result-blur-box .fake-lines{filter:blur(4px);opacity:.7}.credit-upgrade .lock-badge{position:absolute;top:0;right:0;bottom:0;left:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;background:linear-gradient(180deg,rgba(245,247,251,.4),rgba(245,247,251,.92))}.credit-upgrade .lock-badge svg{width:22px;height:22px;color:var(--blue-600)}.credit-upgrade .lock-badge span{font-size:13px;font-weight:700;color:var(--gray-700)}.credit-upgrade .problem-grid{display:grid;grid-template-columns:repeat(1,1fr);gap:20px}@media (min-width: 700px){.credit-upgrade .problem-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width: 1100px){.credit-upgrade .problem-grid{grid-template-columns:repeat(4,1fr)}}.credit-upgrade .problem-card{background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:28px 24px;box-shadow:var(--shadow-card);transition:transform .25s ease,box-shadow .25s ease}.credit-upgrade .problem-card:hover{transform:translateY(-4px)}.credit-upgrade .problem-icon{width:46px;height:46px;border-radius:14px;background:var(--blue-50);display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--blue-600)}.credit-upgrade .problem-icon svg{width:22px;height:22px}.credit-upgrade .problem-card h3{font-size:16.5px;margin-bottom:8px}.credit-upgrade .problem-card p{font-size:14px;color:var(--gray-500)}.credit-upgrade .problems-note{margin-top:36px;text-align:center;font-size:15.5px;font-weight:700;color:var(--navy-900);background:var(--mint-100);border-radius:var(--radius-sm);padding:18px 24px;max-width:720px;margin-inline:auto}.credit-upgrade .problems-note span{color:var(--mint-500)}.credit-upgrade .why-grid{display:grid;grid-template-columns:1fr;gap:22px}@media (min-width: 900px){.credit-upgrade .why-grid{grid-template-columns:repeat(3,1fr)}}.credit-upgrade .why-card{background:linear-gradient(180deg,#fff,var(--gray-50));border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:30px 26px;position:relative}.credit-upgrade .why-num{font-family:var(--ff-mono);font-size:13px;font-weight:700;color:var(--blue-500);margin-bottom:16px;display:block}.credit-upgrade .why-card h3{font-size:19px;margin-bottom:10px}.credit-upgrade .why-card p{font-size:14.5px;color:var(--gray-700)}.credit-upgrade #report.section{padding-top:56px;padding-bottom:72px}.credit-upgrade .report-head{max-width:640px;margin:0 0 36px;text-align:right}.credit-upgrade .report-head.reveal{margin:0 0 36px}.credit-upgrade .report-head h2{margin-top:18px;font-size:clamp(24px,3.4vw,34px);margin-bottom:12px}.credit-upgrade .report-lead{color:var(--gray-500);font-size:16px;line-height:1.9}.credit-upgrade .report-lead b{color:var(--navy-900);font-weight:700}.credit-upgrade .report-explorer{display:grid;grid-template-columns:1fr;gap:28px;align-items:start}@media (min-width: 901px){.credit-upgrade .report-explorer{grid-template-columns:1.05fr .95fr}}.credit-upgrade .toc{display:flex;flex-direction:column;gap:22px}.credit-upgrade .toc-group{display:flex;flex-direction:column;gap:8px}.credit-upgrade .phase-label{display:flex;align-items:center;gap:10px;font-size:13px;font-weight:700;color:var(--gray-500)}.credit-upgrade .phase-label:after{content:"";flex:1;height:1px;background:var(--gray-200)}.credit-upgrade .phase-label .ph-num{width:22px;height:22px;border-radius:7px;display:grid;place-items:center;background:var(--blue-50);color:var(--blue-500);font-size:12px;font-weight:800}.credit-upgrade .toc-entry{display:flex;flex-direction:column}.credit-upgrade .toc-item{display:flex;align-items:center;gap:14px;width:100%;background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-md);padding:13px 16px;cursor:pointer;text-align:right;font-size:15px;transition:border-color .2s,box-shadow .2s,transform .2s}.credit-upgrade .toc-item:hover{border-color:var(--blue-100);transform:translateY(-1px)}.credit-upgrade .toc-item:focus-visible{outline:3px solid var(--blue-100);outline-offset:2px}.credit-upgrade .toc-item[aria-selected=true]{border-color:var(--blue-500);box-shadow:var(--shadow-soft)}.credit-upgrade .toc-item .num{flex-shrink:0;width:34px;height:34px;border-radius:11px;display:grid;place-items:center;font-size:13.5px;font-weight:800;background:var(--blue-50);color:var(--blue-500)}.credit-upgrade .toc-item[data-tone=warn] .num{background:#fdf3e3;color:#c97a06}.credit-upgrade .toc-item[data-tone=good] .num{background:var(--mint-100);color:var(--mint-500)}.credit-upgrade .toc-item .txt{display:flex;flex-direction:column;gap:1px;min-width:0}.credit-upgrade .toc-item .txt strong{font-size:15px;font-weight:700;line-height:1.6}.credit-upgrade .toc-item .txt span{font-size:13px;color:var(--gray-500);line-height:1.7}.credit-upgrade .toc-item .chev{margin-right:auto;flex-shrink:0;width:18px;height:18px;color:#b6c2d9;transition:transform .25s,color .2s}.credit-upgrade .toc-item[aria-selected=true] .chev{color:var(--blue-500);transform:translate(-3px)}.credit-upgrade .toc-item .flag{margin-right:auto;flex-shrink:0;font-size:11.5px;font-weight:700;color:var(--blue-600);background:var(--blue-50);border-radius:999px;padding:3px 10px}.credit-upgrade .toc-item .flag+.chev{margin-right:8px}.credit-upgrade .preview{display:flex;position:sticky;top:96px;flex-direction:column;gap:16px}@media (max-width: 900px){.credit-upgrade .preview{display:none}}.credit-upgrade .mock{background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-md);box-shadow:var(--shadow-soft);overflow:hidden}.credit-upgrade .mock-head{display:flex;align-items:center;justify-content:space-between;padding:18px 22px;border-bottom:1px solid var(--gray-200);background:#fbfcff}.credit-upgrade .mock-head strong{font-size:15px;font-weight:800}.credit-upgrade .mock-head .tag{font-size:11.5px;font-weight:700;color:var(--gray-500);border:1px solid var(--gray-200);border-radius:999px;padding:3px 10px;background:var(--white)}.credit-upgrade .mock-phase{display:flex;gap:6px;padding:14px 22px 0}.credit-upgrade .mock-phase span{flex:1;height:6px;border-radius:99px;background:var(--gray-200);transition:background .25s}.credit-upgrade .mock-phase span.active{background:var(--blue-500)}.credit-upgrade .mock-phase-label{padding:6px 22px 0;font-size:12px;font-weight:700;color:var(--blue-500)}.credit-upgrade .mock-body{padding:8px 22px 18px;min-height:280px}.credit-upgrade .rm-row{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px dashed var(--gray-200);font-size:13.5px}.credit-upgrade .rm-row:last-child{border-bottom:none}.credit-upgrade .rm-row .rm-label{color:var(--gray-500)}.credit-upgrade .rm-row .rm-val{font-weight:700;text-align:left;font-family:var(--ff-mono);font-size:13px;color:var(--navy-900)}.credit-upgrade .rm-val.good,.credit-upgrade .val.good{color:var(--mint-500)}.credit-upgrade .rm-val.mid,.credit-upgrade .val.mid{color:#c97a06}.credit-upgrade .rm-val.high,.credit-upgrade .val.high{color:#d23b3b}.credit-upgrade .mock-text{padding:14px 2px 6px;font-size:13.5px;line-height:2.1;color:var(--navy-900)}.credit-upgrade .mock-text b{color:var(--blue-600)}.credit-upgrade .chk{display:flex;flex-direction:column;gap:10px;padding-top:14px}.credit-upgrade .chk-item{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;line-height:1.9}.credit-upgrade .chk-item svg{flex-shrink:0;margin-top:6px;width:16px;height:16px}.credit-upgrade .chk-item.good svg{color:var(--mint-500)}.credit-upgrade .chk-item.warn svg{color:#c97a06}.credit-upgrade .chk-item b{display:block;font-size:13.5px}.credit-upgrade .chk-item span{color:var(--gray-500);font-size:12.5px}.credit-upgrade .bank-card{border:1px solid var(--gray-200);border-radius:14px;padding:12px 14px;margin-top:12px;background:#fbfcff}.credit-upgrade .bank-card .bk-head{display:flex;justify-content:space-between;align-items:center;font-size:13.5px;font-weight:800;margin-bottom:6px}.credit-upgrade .bank-card .bk-head .bk-type{font-size:11px;font-weight:700;color:var(--blue-500);background:var(--blue-50);border-radius:999px;padding:2px 9px}.credit-upgrade .bank-card .bk-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px;font-size:12.5px}.credit-upgrade .bank-card .bk-grid div{display:flex;justify-content:space-between;gap:8px}.credit-upgrade .bank-card .bk-grid .l{color:var(--gray-500)}.credit-upgrade .bank-card .bk-grid .v{font-weight:700}.credit-upgrade .bank-card .bk-grid .v.good{color:var(--mint-500)}.credit-upgrade .rec{border-right:3px solid var(--blue-500);border-radius:8px;background:#fbfcff;padding:10px 14px;margin-top:11px}.credit-upgrade .rec b{font-size:13.5px;display:block}.credit-upgrade .rec p{font-size:12.5px;color:var(--gray-500);line-height:1.9;margin-top:2px}.credit-upgrade .rec .fx{display:inline-block;margin-top:5px;font-size:11.5px;font-weight:700;color:var(--mint-500);background:var(--mint-100);border-radius:999px;padding:2px 10px}.credit-upgrade .more-hint{margin-top:12px;font-size:12px;font-weight:700;color:var(--blue-500);display:flex;align-items:center;gap:6px}.credit-upgrade .plan{display:flex;flex-direction:column;gap:13px;padding-top:14px}.credit-upgrade .plan-step{display:flex;align-items:flex-start;gap:12px}.credit-upgrade .plan-step .mrk{flex-shrink:0;margin-top:9px;width:12px;height:12px;border-radius:50%;background:var(--blue-500);box-shadow:0 0 0 4px var(--blue-50)}.credit-upgrade .plan-step:nth-child(2) .mrk{background:#4d7bf8}.credit-upgrade .plan-step:nth-child(3) .mrk{background:#7c9dfa}.credit-upgrade .plan-step:nth-child(4) .mrk{background:#aec2fc}.credit-upgrade .plan-step b{font-size:13.5px;display:block}.credit-upgrade .plan-step .goal{display:inline-block;margin-top:3px;font-size:11.5px;font-weight:700;color:var(--blue-600);background:var(--blue-50);border-radius:999px;padding:2px 10px}.credit-upgrade .mock-note{margin:6px 22px 22px;padding:12px 16px;border-radius:14px;background:var(--blue-50);color:var(--blue-600);font-size:13px;line-height:1.9}.credit-upgrade .side-cta{border-radius:var(--radius-md);background:linear-gradient(135deg,var(--blue-500) 0%,var(--blue-600) 100%);color:#fff;padding:24px 26px;box-shadow:0 14px 34px #1f5cf74d}.credit-upgrade .side-cta b{font-size:16px;display:block;line-height:1.7}.credit-upgrade .side-cta p{margin-top:6px;font-size:13.5px;color:#dfe8ff;line-height:1.8}.credit-upgrade .side-cta .btn{margin-top:16px;background:#fff;color:var(--blue-600);box-shadow:0 6px 18px #06143c40}.credit-upgrade .side-cta .btn:hover{transform:translateY(-2px)}.credit-upgrade .side-cta .btn svg{display:inline-block}.credit-upgrade .acc-panel{display:none;overflow:hidden;max-height:0;opacity:0;transition:max-height .35s ease,opacity .3s ease,margin .3s ease;background:var(--white);border:1.5px solid var(--gray-200);border-top:none;border-radius:0 0 16px 16px;margin:0 10px}.credit-upgrade .acc-inner{padding:0 16px 14px}.credit-upgrade .acc-note{margin-top:12px;padding:11px 14px;border-radius:12px;background:var(--blue-50);color:var(--blue-600);font-size:12.5px;line-height:1.9}.credit-upgrade .acc-tag{display:inline-block;margin-top:12px;font-size:11px;font-weight:700;color:var(--gray-500);border:1px solid var(--gray-200);border-radius:999px;padding:2px 9px;background:var(--white)}.credit-upgrade .report-cta-row{margin-top:40px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}.credit-upgrade .report-cta-row .cta-hint{font-size:13.5px;color:var(--gray-500)}.credit-upgrade .report-cta-row .btn svg{display:inline-block}@media (min-width: 901px){.credit-upgrade .report-cta-row{display:none}}@media (max-width: 900px){.credit-upgrade .toc{gap:18px}.credit-upgrade .toc-item{padding:13px 14px;position:relative;z-index:1}.credit-upgrade .toc-item:hover{transform:none}.credit-upgrade .toc-item .chev{transform:rotate(-90deg)}.credit-upgrade .toc-entry.open .toc-item .chev{transform:rotate(90deg);color:var(--blue-500)}.credit-upgrade .toc-entry.open .toc-item{border-color:var(--blue-500);border-bottom-color:var(--gray-200);border-radius:16px 16px 0 0;box-shadow:none}.credit-upgrade .acc-panel{display:block}.credit-upgrade .toc-entry.open .acc-panel{opacity:1;margin:0;border-color:var(--blue-500);border-top:none}.credit-upgrade .bank-card .bk-grid{grid-template-columns:1fr}}@media (prefers-reduced-motion: reduce){.credit-upgrade .toc-item,.credit-upgrade .toc-item:hover{transition:none;transform:none}.credit-upgrade .acc-panel{transition:none}}.credit-upgrade .trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}@media (min-width: 900px){.credit-upgrade .trust-grid{grid-template-columns:repeat(4,1fr)}}.credit-upgrade .trust-card{background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:24px;text-align:center;box-shadow:var(--shadow-card)}.credit-upgrade .trust-num{font-family:var(--ff-mono);font-size:28px;font-weight:800;color:var(--blue-600);margin-bottom:6px}.credit-upgrade .trust-label{font-size:13px;color:var(--gray-500);font-weight:600}.credit-upgrade .badges-row{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:40px}.credit-upgrade .badge-pill{display:flex;align-items:center;gap:8px;background:var(--gray-50);border:1px solid var(--gray-200);border-radius:999px;padding:10px 18px;font-size:13.5px;font-weight:700;color:var(--gray-700)}.credit-upgrade .badge-pill svg{width:16px;height:16px;color:var(--blue-600)}.credit-upgrade .testimonial{background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:26px;box-shadow:var(--shadow-card);margin-top:40px}.credit-upgrade .testimonial p{font-size:15.5px;color:var(--navy-900);margin-bottom:14px}.credit-upgrade .t-author{display:flex;align-items:center;gap:10px;font-size:13.5px;color:var(--gray-500);font-weight:700}.credit-upgrade .t-avatar{width:34px;height:34px;border-radius:50%;background:linear-gradient(145deg,var(--blue-400),var(--blue-600))}.credit-upgrade #guide.section{padding-top:72px;padding-bottom:88px}.credit-upgrade #guide .section-head{margin-bottom:40px}.credit-upgrade #guide .seo-body{max-width:960px;margin:0 auto;text-align:right}.credit-upgrade .seo-intro{margin-bottom:40px}.credit-upgrade .seo-intro p{color:var(--gray-700);font-size:16px;line-height:1.9;margin:0}.credit-upgrade .seo-block{margin-bottom:44px}.credit-upgrade .seo-intro.reveal,.credit-upgrade .seo-block.reveal,.credit-upgrade .seo-highlight.reveal,.credit-upgrade .seo-timeline.reveal{margin-left:0;margin-right:0}.credit-upgrade .seo-intro.reveal{margin-bottom:40px}.credit-upgrade .seo-block.reveal,.credit-upgrade .seo-highlight.reveal{margin-bottom:44px}.credit-upgrade .seo-timeline.reveal{margin-bottom:0}.credit-upgrade .seo-block-head{margin-bottom:22px}.credit-upgrade .seo-kicker{display:inline-flex;align-items:center;font-size:12.5px;font-weight:700;color:var(--blue-600);background:var(--blue-50);padding:5px 12px;border-radius:999px;margin-bottom:12px}.credit-upgrade .seo-kicker.warn{color:#c97a06;background:#fdf3e3}.credit-upgrade .seo-kicker.good{color:var(--mint-500);background:var(--mint-100)}.credit-upgrade .seo-block-head h3,.credit-upgrade .seo-highlight-copy h3,.credit-upgrade .seo-timeline h3{font-size:clamp(20px,2.6vw,26px);margin-bottom:12px;line-height:1.55;text-align:right}.credit-upgrade .seo-block-head p{color:var(--gray-700);font-size:15.5px;line-height:1.9;margin:0}.credit-upgrade .seo-criteria,.credit-upgrade .seo-risks,.credit-upgrade .seo-steps,.credit-upgrade .seo-timeline-grid{display:grid;grid-template-columns:1fr;gap:14px;align-items:stretch}@media (min-width: 700px){.credit-upgrade .seo-criteria,.credit-upgrade .seo-steps,.credit-upgrade .seo-timeline-grid{grid-template-columns:1fr 1fr}}@media (min-width: 900px){.credit-upgrade .seo-risks{grid-template-columns:1fr 1fr}}.credit-upgrade .seo-crit,.credit-upgrade .seo-risk{display:flex;gap:14px;align-items:flex-start;height:100%;text-align:right}.credit-upgrade .seo-crit{background:var(--gray-50);border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:20px 18px}.credit-upgrade .seo-crit-num{flex-shrink:0;width:28px;font-family:var(--ff-mono);font-size:13px;font-weight:800;color:var(--blue-500);margin-top:2px;text-align:center}.credit-upgrade .seo-crit strong{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:15px;margin-bottom:6px;line-height:1.6}.credit-upgrade .seo-crit strong em{font-style:normal;font-size:11.5px;font-weight:700;color:var(--blue-600);background:var(--blue-50);border-radius:999px;padding:2px 8px}.credit-upgrade .seo-crit span{display:block;font-size:13.5px;color:var(--gray-500);line-height:1.8}.credit-upgrade .seo-risk{background:#fff;border:1px solid var(--gray-100);border-inline-start:3px solid #e8a317;border-radius:var(--radius-md);padding:20px 18px}.credit-upgrade .seo-risk-icon{flex-shrink:0;width:36px;height:36px;border-radius:11px;background:#fdf3e3;color:#c97a06;display:grid;place-items:center}.credit-upgrade .seo-risk-icon svg{width:18px;height:18px}.credit-upgrade .seo-risk strong{display:block;font-size:15px;margin-bottom:6px}.credit-upgrade .seo-risk p{font-size:13.5px;color:var(--gray-500);line-height:1.8;margin:0}.credit-upgrade .seo-step{background:linear-gradient(180deg,#fff,var(--gray-50));border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:26px 22px;height:100%;text-align:right}.credit-upgrade .seo-step-num{display:block;font-family:var(--ff-mono);font-size:13px;font-weight:800;color:var(--blue-500);margin-bottom:14px}.credit-upgrade .seo-step h4{font-size:16.5px;font-weight:800;margin-bottom:10px;line-height:1.55}.credit-upgrade .seo-step p{font-size:14px;color:var(--gray-700);line-height:1.85;margin:0}.credit-upgrade .seo-highlight{margin:8px 0 44px;border-radius:var(--radius-lg);background:linear-gradient(135deg,var(--blue-500) 0%,var(--blue-600) 100%);color:#fff;padding:36px 32px;box-shadow:0 18px 40px -16px #124fe073;text-align:right}.credit-upgrade .seo-highlight-copy{max-width:100%}.credit-upgrade .seo-highlight .seo-kicker{background:rgba(255,255,255,.16);color:#fff}.credit-upgrade .seo-highlight-copy h3{color:#fff}.credit-upgrade .seo-highlight-copy p{color:#ffffffe0;font-size:15.5px;line-height:1.9;margin-bottom:14px}.credit-upgrade .seo-highlight-copy p b{color:#fff;font-weight:800}.credit-upgrade .seo-highlight .btn-primary{margin-top:10px;background:#fff;color:var(--blue-600);box-shadow:0 8px 22px #06143c38}.credit-upgrade .seo-highlight .btn-primary:hover{box-shadow:0 12px 28px #06143c47}.credit-upgrade .seo-timeline{text-align:right}.credit-upgrade .seo-timeline h3{margin-bottom:22px}.credit-upgrade .seo-time-card{background:var(--gray-50);border:1px solid var(--gray-100);border-radius:var(--radius-md);padding:26px 22px;height:100%;text-align:right}.credit-upgrade .seo-time-label{display:inline-block;font-size:12px;font-weight:700;color:var(--blue-600);background:var(--blue-50);border-radius:999px;padding:3px 10px;margin-bottom:12px}.credit-upgrade .seo-time-card strong{display:block;font-size:22px;font-weight:800;color:var(--navy-900);margin-bottom:10px;font-family:var(--ff-mono)}.credit-upgrade .seo-time-card p{font-size:14px;color:var(--gray-700);line-height:1.85;margin:0}.credit-upgrade .seo-timeline-note{margin-top:22px;font-size:15px;font-weight:700;color:var(--navy-900);text-align:right}@media (max-width: 640px){.credit-upgrade .seo-highlight{padding:28px 22px;margin:8px 0 36px}}.credit-upgrade .faq-item{border-bottom:1px solid var(--gray-200)}.credit-upgrade .faq-q{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 4px;font-size:16px;font-weight:700;color:var(--navy-900)}.credit-upgrade .faq-q svg{width:20px;height:20px;color:var(--blue-600);flex-shrink:0;transition:transform .25s}.credit-upgrade .faq-item.open .faq-q svg{transform:rotate(45deg)}.credit-upgrade .faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}.credit-upgrade .faq-a p{padding:0 4px 14px;font-size:14.5px;color:var(--gray-700);max-width:680px}.credit-upgrade .faq-a p:last-child{padding-bottom:22px}.credit-upgrade .faq-a ul{padding:0 4px 18px 0;margin:0;max-width:680px;list-style:disc;padding-inline-start:22px}.credit-upgrade .faq-a li{font-size:14.5px;color:var(--gray-700);margin-bottom:8px;line-height:1.7}.credit-upgrade .faq-a li:last-child{margin-bottom:0}.credit-upgrade .faq-cta{margin-top:28px;font-size:15px;line-height:1.85;color:var(--gray-700);max-width:680px}.credit-upgrade .final-cta{background:linear-gradient(145deg,var(--navy-900),var(--blue-600));border-radius:var(--radius-lg);padding:64px 40px;text-align:center;color:#fff;position:relative;overflow:hidden}.credit-upgrade .final-cta:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:radial-gradient(50% 70% at 20% 0%,rgba(255,255,255,.12),transparent 60%)}.credit-upgrade .final-cta h2{color:#fff;font-size:clamp(26px,3.4vw,36px);margin-bottom:14px;position:relative}.credit-upgrade .final-cta p{color:#ffffffbf;max-width:480px;margin:0 auto 30px;position:relative}.credit-upgrade .final-cta .btn-primary{background:#fff;color:var(--blue-600);box-shadow:0 12px 26px -8px #00000059;position:relative}.credit-upgrade .sticky-cta{position:fixed;bottom:0;inset-inline:0;z-index:200;padding:14px 16px;background:rgba(255,255,255,.92);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border-top:1px solid var(--gray-200);display:flex;gap:10px;transform:translateY(120%);transition:transform .3s ease}.credit-upgrade .sticky-cta.show{transform:translateY(0)}.credit-upgrade .sticky-cta .btn{flex:1}@media (min-width: 900px){.credit-upgrade .sticky-cta{display:none}}@media (max-width: 640px){.credit-upgrade .section{padding:64px 0}.credit-upgrade .nav-links{display:none}.credit-upgrade .final-cta{padding:44px 22px}}@media (prefers-reduced-motion: reduce){.credit-upgrade *{animation-duration:.001ms!important;transition-duration:.001ms!important}}
