:root {
    --credit-primary: #0f0a9d;
    --credit-primary-soft: #5e58eb;
    --credit-primary-light: rgba(15, 10, 157, 0.08);
    --credit-success: #047857;
    --credit-warning: #b45309;
    --credit-danger: #c91430;
    --credit-info: #5e58eb;
    --credit-ink: #162033;
    --credit-muted: #6b7280;
    --credit-border: #e5e7eb;
    --credit-bg: #f4f6fb;
    --credit-card-radius: 18px;
}

/* ============ STAGE / HERO ============ */
.credit-premium-page {
    background: linear-gradient(180deg, #f4f6fb 0%, #ffffff 380px);
    min-height: 100vh;
}

.credit-stage {
    padding: 1.25rem 0 3rem;
}

.credit-hero {
    background: #ffffff;
    border-radius: 22px;
    padding: 2rem 2rem 1.75rem;
    box-shadow: 0 20px 50px rgba(15, 10, 157, 0.06);
    border: 1px solid rgba(15, 10, 157, 0.06);
    margin-top: 1.25rem;
    position: relative;
    overflow: hidden;
}
.credit-hero::before {
    content: "";
    position: absolute;
    top: -80px;
    right: -80px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: radial-gradient(closest-side, rgba(94, 88, 235, 0.16), transparent);
    pointer-events: none;
}
.credit-public-hero { background: linear-gradient(135deg, #ffffff 0%, #f9faff 100%); }

.credit-hero-content { position: relative; }
.credit-kicker {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: var(--credit-primary-light);
    color: var(--credit-primary);
    padding: 0.45rem 0.85rem;
    border-radius: 999px;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}
.credit-title {
    font-size: clamp(1.55rem, 2.2vw, 2.2rem);
    font-weight: 800;
    color: var(--credit-ink);
    margin: 0.85rem 0 0.4rem;
    letter-spacing: -0.02em;
}
.credit-copy {
    color: var(--credit-muted);
    font-size: 1rem;
    max-width: 60ch;
    line-height: 1.6;
}

.credit-trust {
    margin-top: 1.1rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem 1.25rem;
    color: var(--credit-muted);
    font-size: 0.85rem;
}
.credit-trust span { display: inline-flex; align-items: center; gap: 0.45rem; }
.credit-trust i { color: var(--credit-primary); }

/* ============ SUMMARY CARD ============ */
.credit-summary-card {
    background: linear-gradient(135deg, var(--credit-primary) 0%, var(--credit-primary-soft) 100%);
    color: #fff;
    padding: 1.5rem;
    border-radius: 16px;
    box-shadow: 0 20px 40px rgba(15, 10, 157, 0.22);
    height: 100%;
}
.credit-summary-label {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    opacity: 0.92;
}
.credit-summary-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.85rem;
    margin-top: 1rem;
}
.credit-summary-item {
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 12px;
    padding: 0.9rem 1rem;
}
.credit-summary-value {
    display: block;
    font-size: 1.55rem;
    font-weight: 800;
    line-height: 1.1;
}
.credit-summary-text {
    display: block;
    font-size: 0.78rem;
    opacity: 0.88;
    margin-top: 0.2rem;
}

.credit-checklist {
    margin: 1rem 0 0;
    padding: 0;
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.55rem;
}
.credit-checklist li {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.92rem;
}
.credit-checklist i { color: rgba(255,255,255,0.85); }

/* ============ TOOLBAR ============ */
.credit-toolbar {
    border-radius: 16px;
    border: 1px solid rgba(15, 10, 157, 0.08);
}
.btn-credit-ghost {
    background: rgba(15, 10, 157, 0.06);
    color: var(--credit-primary);
    border: 1px solid rgba(15, 10, 157, 0.1);
    border-radius: 12px;
    font-weight: 700;
    padding: 0.55rem 0.95rem;
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    transition: all .18s ease;
}
.btn-credit-ghost:hover, .btn-credit-ghost.active {
    background: var(--credit-primary);
    color: #fff;
    border-color: transparent;
    transform: translateY(-1px);
    box-shadow: 0 12px 24px rgba(15, 10, 157, 0.18);
}
.btn-credit-primary {
    background: linear-gradient(135deg, var(--credit-primary) 0%, var(--credit-primary-soft) 100%);
    color: #fff;
    border: none;
    border-radius: 12px;
    font-weight: 700;
    padding: 0.65rem 1.2rem;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    box-shadow: 0 14px 26px rgba(15, 10, 157, 0.25);
    transition: all .2s ease;
}
.btn-credit-primary:hover {
    color: #fff;
    transform: translateY(-1px);
    box-shadow: 0 18px 32px rgba(15, 10, 157, 0.32);
}

.credit-public-link-label {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--credit-muted);
}
.credit-public-link-row {
    display: flex;
    gap: 0.5rem;
    margin-top: 0.4rem;
}
.credit-public-link-row .form-control {
    background: #f9fafb;
    border-color: var(--credit-border);
    font-family: 'SF Mono', Menlo, monospace;
    font-size: 0.86rem;
}

/* ============ CARDS / FORM ============ */
.credit-card {
    border: 1px solid var(--credit-border);
    border-radius: var(--credit-card-radius);
    background: #fff;
    transition: transform .15s ease, box-shadow .15s ease;
}
.credit-card-accent {
    border: none;
    background: linear-gradient(180deg, #ffffff 0%, #f6f7fe 100%);
    box-shadow: 0 24px 60px rgba(15, 10, 157, 0.10);
}

.credit-section-head {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}
.credit-section-icon {
    width: 44px;
    height: 44px;
    flex: 0 0 44px;
    border-radius: 12px;
    background: var(--credit-primary-light);
    color: var(--credit-primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.05rem;
}
.credit-section-eyebrow {
    display: block;
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--credit-muted);
}
.credit-section-title {
    font-size: 1.2rem;
    font-weight: 800;
    color: var(--credit-ink);
    letter-spacing: -0.01em;
}
.credit-section-copy {
    color: var(--credit-muted);
    font-size: 0.92rem;
    margin: 0.2rem 0 0;
}

.credit-card .form-label {
    font-weight: 600;
    color: #1f2937;
    font-size: 0.88rem;
}
.credit-card .form-control,
.credit-card .form-select {
    border-radius: 10px;
    border-color: #d6dae5;
    padding: 0.6rem 0.8rem;
    font-size: 0.95rem;
    transition: border-color .15s ease, box-shadow .15s ease;
}
.credit-card .form-control:focus,
.credit-card .form-select:focus {
    border-color: var(--credit-primary);
    box-shadow: 0 0 0 4px rgba(15, 10, 157, 0.12);
}
.credit-card .form-text { color: var(--credit-muted); font-size: 0.81rem; }

/* Term grid (radio tiles) */
.credit-term-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
    gap: 0.5rem;
}
.credit-term-tile {
    position: relative;
    background: #fff;
    border: 1.5px solid #d6dae5;
    border-radius: 12px;
    padding: 0.7rem 0.85rem;
    cursor: pointer;
    transition: all .15s ease;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    user-select: none;
}
.credit-term-tile input[type="radio"] {
    appearance: none;
    -webkit-appearance: none;
    width: 16px;
    height: 16px;
    border: 2px solid #cbd5e1;
    border-radius: 50%;
    margin: 0;
    flex: 0 0 16px;
    transition: all .15s ease;
}
.credit-term-tile input[type="radio"]:checked {
    background: var(--credit-primary);
    border-color: var(--credit-primary);
    box-shadow: inset 0 0 0 3px #fff;
}
.credit-term-label { font-weight: 600; color: var(--credit-ink); font-size: 0.9rem; }
.credit-term-tile.is-active {
    border-color: var(--credit-primary);
    background: var(--credit-primary-light);
    box-shadow: 0 6px 16px rgba(15, 10, 157, 0.12);
}

/* File inputs */
.credit-upload-label {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}
.credit-upload-label i { color: var(--credit-primary); }
.credit-file-input {
    border-radius: 10px;
    border-style: dashed;
    border-width: 1.5px;
    border-color: #cdd3e0;
    padding: 0.55rem 0.7rem;
    background: #fbfcff;
}
.credit-file-input:hover { border-color: var(--credit-primary); }

/* ============ SUCCESS / STATUS ============ */
.credit-success-card { border: 1px solid #c7f0d6; background: linear-gradient(180deg, #f1fdf6 0%, #ffffff 100%); }
.credit-success-icon {
    width: 78px; height: 78px;
    margin: 0 auto 0.85rem;
    background: linear-gradient(135deg, #16a34a 0%, #22c55e 100%);
    color: #fff;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 2.4rem;
    box-shadow: 0 16px 36px rgba(34, 197, 94, 0.32);
}
.credit-reference-pill {
    display: inline-block;
    background: var(--credit-primary-light);
    border-radius: 14px;
    padding: 0.8rem 1.3rem;
    margin: 0.3rem auto 0;
}
.credit-reference-code {
    font-family: 'SF Mono', Menlo, monospace;
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--credit-primary);
    letter-spacing: 0.04em;
}
.credit-status-link {
    display: flex; gap: 0.5rem;
    max-width: 540px;
    margin: 0 auto;
}
.credit-status-link .form-control {
    background: #f9fafb;
    font-family: 'SF Mono', Menlo, monospace;
    font-size: 0.84rem;
}
.credit-status-pill {
    font-size: 0.78rem;
    padding: 0.5rem 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    font-weight: 700;
}
.credit-status-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 1.2rem;
    margin-top: 0.5rem;
}
.credit-status-value {
    font-size: 1.18rem;
    font-weight: 800;
    color: var(--credit-ink);
    margin-top: 0.15rem;
}

/* ============ TIMELINE ============ */
.credit-timeline { position: relative; padding-left: 1rem; }
.credit-timeline::before {
    content: "";
    position: absolute;
    left: 0.45rem; top: 0.5rem; bottom: 0.5rem;
    width: 2px;
    background: #e5e7eb;
}
.credit-timeline-item {
    position: relative;
    padding: 0.55rem 0 0.55rem 1.2rem;
}
.credit-timeline-item .dot {
    position: absolute;
    left: -0.05rem; top: 0.78rem;
    width: 12px; height: 12px;
    border-radius: 50%;
    background: #fff;
    border: 2px solid #cbd5e1;
}
.credit-timeline-item.is-complete .dot { background: var(--credit-primary); border-color: var(--credit-primary); }
.credit-timeline-item.is-current .dot { box-shadow: 0 0 0 4px rgba(15, 10, 157, 0.18); }

/* ============ ADMIN DETAILS ============ */
.credit-detail-label {
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-weight: 700;
    color: var(--credit-muted);
    margin-bottom: 0.2rem;
}
.credit-detail-value {
    font-size: 0.98rem;
    color: var(--credit-ink);
    font-weight: 500;
    word-break: break-word;
}

.credit-attachment-group-label {
    font-size: 0.84rem;
    font-weight: 700;
    color: var(--credit-ink);
    margin-bottom: 0.4rem;
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.3rem;
}
.credit-attachment-list {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}
.credit-attachment-item {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.55rem 0.8rem;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
    color: var(--credit-ink);
    text-decoration: none;
    font-size: 0.88rem;
    transition: all .15s ease;
    max-width: 100%;
}
.credit-attachment-item:hover {
    color: var(--credit-primary);
    border-color: var(--credit-primary);
    background: var(--credit-primary-light);
    transform: translateY(-1px);
}
.credit-attachment-item i { color: var(--credit-primary); }
.credit-attachment-name { font-weight: 600; max-width: 280px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.credit-attachment-size { color: var(--credit-muted); font-size: 0.78rem; margin-left: 0.2rem; }

/* Decision panel */
.credit-decision-summary {
    background: rgba(15, 10, 157, 0.05);
    border-radius: 12px;
    padding: 0.85rem 1rem;
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}
.credit-decision-amount {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--credit-primary);
    letter-spacing: -0.01em;
}
.credit-decision-terms {
    font-size: 0.95rem;
    color: var(--credit-ink);
    font-weight: 600;
}

/* Datatable wrapper */
.credit-table-wrap { overflow-x: auto; }
.credit-table-wrap table.dataTable thead th {
    border-bottom: 2px solid #e5e7eb;
    text-transform: uppercase;
    font-size: 0.74rem;
    letter-spacing: 0.08em;
    color: var(--credit-muted);
    font-weight: 700;
    padding: 0.75rem 0.8rem;
}
.credit-table-wrap table.dataTable tbody td { padding: 0.85rem 0.8rem; vertical-align: middle; }
.credit-table-wrap table.dataTable tbody tr:hover { background: rgba(15, 10, 157, 0.03); }

/* ============ RESPONSIVE ============ */
@media (max-width: 991px) {
    .credit-hero { padding: 1.6rem 1.4rem; }
    .credit-title { font-size: 1.55rem; }
    .credit-summary-card { margin-top: 0; }
}
@media (max-width: 767px) {
    .credit-hero { padding: 1.3rem 1.15rem; border-radius: 18px; }
    .credit-card .card-body { padding: 1.25rem !important; }
    .credit-section-head { flex-direction: column; align-items: flex-start; gap: 0.65rem; }
    .credit-section-icon { width: 38px; height: 38px; flex: 0 0 38px; }
    .credit-section-title { font-size: 1.05rem; }
    .credit-summary-grid { grid-template-columns: 1fr 1fr; }
    .credit-summary-value { font-size: 1.25rem; }
    .credit-attachment-name { max-width: 180px; }
    .credit-status-link { flex-direction: column; }
}
@media (max-width: 480px) {
    .credit-public-link-row { flex-direction: column; }
    .credit-public-link-row .btn { width: 100%; }
    .credit-term-grid { grid-template-columns: 1fr; }
}

/* ============ PAGE LOADER (premium fullscreen) ============ */
.credit-page-loader {
    position: fixed;
    inset: 0;
    z-index: 99999;
    display: flex;
    align-items: center;
    justify-content: center;
    background:
        radial-gradient(1100px 600px at 80% -10%, rgba(94, 88, 235, 0.22), transparent 65%),
        radial-gradient(900px 500px at -10% 110%, rgba(15, 10, 157, 0.18), transparent 60%),
        linear-gradient(180deg, #ffffff 0%, #f4f6fb 100%);
    backdrop-filter: blur(2px);
    opacity: 1;
    transition: opacity 0.45s ease, visibility 0.45s ease;
}
.credit-page-loader.is-hidden { opacity: 0; visibility: hidden; pointer-events: none; }

.credit-page-loader-inner {
    display: flex; flex-direction: column; align-items: center;
    gap: 1.2rem;
    text-align: center;
    animation: creditLoaderRise 0.5s ease;
}
@keyframes creditLoaderRise {
    from { opacity: 0; transform: translateY(10px) scale(0.98); }
    to   { opacity: 1; transform: translateY(0) scale(1); }
}

.credit-page-loader-ring {
    position: relative;
    width: 92px; height: 92px;
}
.credit-page-loader-ring::before {
    content: "";
    position: absolute; inset: 14px;
    border-radius: 50%;
    background: linear-gradient(135deg, rgba(15,10,157,0.08), rgba(94,88,235,0.06));
    box-shadow: inset 0 6px 18px rgba(15, 10, 157, 0.08);
}
.credit-page-loader-ring span {
    position: absolute; inset: 0;
    border: 3px solid transparent;
    border-top-color: var(--credit-primary);
    border-radius: 50%;
    animation: creditRingSpin 1.1s cubic-bezier(0.4, 0.05, 0.4, 1) infinite;
}
.credit-page-loader-ring span:nth-child(2) {
    inset: 10px; border-top-color: var(--credit-primary-soft);
    animation-duration: 1.4s; animation-direction: reverse;
}
.credit-page-loader-ring span:nth-child(3) {
    inset: 20px; border-top-color: rgba(15, 10, 157, 0.45);
    animation-duration: 1.7s;
}
.credit-page-loader-ring span:nth-child(4) {
    inset: 30px; border-top-color: rgba(94, 88, 235, 0.55);
    animation-duration: 2s; animation-direction: reverse;
}
@keyframes creditRingSpin {
    to { transform: rotate(360deg); }
}

.credit-page-loader-brand { line-height: 1.3; }
.credit-page-loader-kicker {
    display: block;
    font-size: 0.7rem;
    font-weight: 800;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--credit-primary);
    opacity: 0.78;
}
.credit-page-loader-title {
    display: block;
    margin-top: 0.4rem;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--credit-ink);
}

/* ============ UPLOAD PROGRESS MODAL ============ */
.credit-upload-overlay {
    position: fixed;
    inset: 0;
    z-index: 99998;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
    background: rgba(15, 23, 42, 0.55);
    backdrop-filter: blur(8px);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.25s ease, visibility 0.25s ease;
}
.credit-upload-overlay.is-open { opacity: 1; visibility: visible; }

.credit-upload-card {
    width: min(440px, 100%);
    background: #ffffff;
    border-radius: 20px;
    padding: 1.85rem 1.75rem 1.6rem;
    text-align: center;
    box-shadow: 0 28px 80px rgba(15, 10, 157, 0.28);
    transform: translateY(14px) scale(0.96);
    opacity: 0;
    transition: opacity 0.3s ease, transform 0.3s cubic-bezier(0.18, 0.85, 0.28, 1.18);
}
.credit-upload-overlay.is-open .credit-upload-card {
    transform: translateY(0) scale(1);
    opacity: 1;
}

.credit-upload-icon {
    width: 72px; height: 72px;
    margin: 0 auto 0.85rem;
    background: linear-gradient(135deg, rgba(15,10,157,0.08), rgba(94,88,235,0.04));
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}
.credit-upload-title {
    font-size: 1.18rem;
    font-weight: 800;
    color: var(--credit-ink);
    margin: 0 0 0.35rem;
    letter-spacing: -0.01em;
}
.credit-upload-copy {
    color: var(--credit-muted);
    font-size: 0.92rem;
    margin: 0 0 1.1rem;
    line-height: 1.55;
}

.credit-upload-progress { margin-top: 0.4rem; }
.credit-upload-progress-track {
    position: relative;
    height: 10px;
    border-radius: 999px;
    background: rgba(15, 10, 157, 0.08);
    overflow: hidden;
}
.credit-upload-progress-bar {
    height: 100%;
    width: 0%;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--credit-primary) 0%, var(--credit-primary-soft) 100%);
    box-shadow: 0 0 14px rgba(94, 88, 235, 0.38);
    transition: width 0.25s cubic-bezier(0.4, 0.05, 0.4, 1);
    position: relative;
    overflow: hidden;
}
.credit-upload-progress-bar::after {
    content: "";
    position: absolute; inset: 0;
    background-image: linear-gradient(
        110deg,
        transparent 0%, transparent 30%,
        rgba(255,255,255,0.45) 50%,
        transparent 70%, transparent 100%
    );
    background-size: 200% 100%;
    animation: creditBarShine 1.4s linear infinite;
}
.credit-upload-progress-bar.is-complete::after { animation: none; opacity: 0; }
@keyframes creditBarShine {
    from { background-position: 200% 0; }
    to   { background-position: -200% 0; }
}

.credit-upload-progress-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 0.55rem;
    font-size: 0.82rem;
    color: var(--credit-muted);
}
.credit-upload-progress-meta span:first-child {
    font-weight: 800;
    color: var(--credit-primary);
    font-feature-settings: "tnum" 1;
    font-size: 0.92rem;
}

/* Body scroll lock while modal is open */
body.credit-no-scroll { overflow: hidden; }

/* ============ INVALID FIELD STATE ============ */
.credit-card .form-control.is-invalid,
.credit-card .form-select.is-invalid,
.credit-card .credit-file-input.is-invalid {
    border-color: #ef4444 !important;
    box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.14) !important;
    background-image: none;
}
.credit-card .form-check-input.is-invalid {
    border-color: #ef4444;
    box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.18);
}
@keyframes creditShake {
    0%, 100% { transform: translateX(0); }
    20% { transform: translateX(-4px); }
    40% { transform: translateX(4px); }
    60% { transform: translateX(-3px); }
    80% { transform: translateX(2px); }
}
.credit-card .is-invalid { animation: creditShake 0.32s ease; }

/* ============ SWEETALERT POPUP TWEAK ============ */
.credit-swal-popup {
    border-radius: 18px !important;
    box-shadow: 0 28px 80px rgba(15, 10, 157, 0.22) !important;
}
.credit-swal-popup .swal2-title {
    color: var(--credit-ink) !important;
    font-weight: 800 !important;
    letter-spacing: -0.01em;
}
.credit-swal-popup .swal2-html-container {
    font-size: 0.95rem !important;
    color: #374151 !important;
}
.credit-swal-popup .swal2-confirm {
    border-radius: 12px !important;
    font-weight: 700 !important;
    padding: 0.65rem 1.4rem !important;
    box-shadow: 0 14px 26px rgba(15, 10, 157, 0.22) !important;
}

/* ============ FALLBACK VALIDATION MODAL (no Swal) ============ */
.credit-validation-modal {
    position: fixed;
    inset: 0;
    z-index: 99997;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
    background: rgba(15, 23, 42, 0.55);
    backdrop-filter: blur(6px);
    opacity: 0;
    transition: opacity 0.22s ease;
}
.credit-validation-modal.is-open { opacity: 1; }
.credit-validation-card {
    width: min(500px, 100%);
    background: #fff;
    border-radius: 18px;
    padding: 1.6rem 1.6rem 1.4rem;
    box-shadow: 0 28px 80px rgba(15, 10, 157, 0.22);
    text-align: left;
}
.credit-validation-icon {
    width: 56px; height: 56px;
    background: rgba(239, 68, 68, 0.12);
    color: #b91c1c;
    border-radius: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 0.6rem;
}
.credit-validation-card h4 {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--credit-ink);
}
.credit-validation-list {
    background: #f9fafb;
    border: 1px solid var(--credit-border);
    border-radius: 12px;
    padding: 0.85rem 1rem;
    margin: 0.6rem 0 1rem;
    font-size: 0.9rem;
}

/* ============ FALLBACK TOAST ============ */
.credit-fallback-toast {
    position: fixed;
    top: 1.2rem; right: 1.2rem;
    z-index: 100000;
    min-width: 260px;
    max-width: 400px;
    background: #fff;
    border: 1px solid var(--credit-border);
    border-left: 4px solid var(--credit-primary);
    border-radius: 12px;
    padding: 0.85rem 1rem;
    box-shadow: 0 18px 36px rgba(15, 23, 42, 0.16);
    transform: translateX(20px);
    opacity: 0;
    transition: transform 0.25s ease, opacity 0.25s ease;
    font-size: 0.9rem;
}
.credit-fallback-toast.is-visible { transform: translateX(0); opacity: 1; }
.credit-fallback-toast strong { display: block; color: var(--credit-ink); margin-bottom: 0.15rem; }
.credit-fallback-toast-success { border-left-color: #16a34a; }
.credit-fallback-toast-warning { border-left-color: #f59e0b; }
.credit-fallback-toast-error   { border-left-color: #ef4444; }

@media (max-width: 480px) {
    .credit-page-loader-ring { width: 80px; height: 80px; }
    .credit-upload-card { padding: 1.35rem 1.2rem; }
    .credit-validation-card { padding: 1.2rem; }
    .credit-fallback-toast { left: 1rem; right: 1rem; min-width: auto; }
}

/* ============ INFO HINT TOOLTIP ============ */
.credit-hint {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    margin-left: 0.35rem;
    border-radius: 50%;
    background: rgba(15, 10, 157, 0.10);
    color: var(--credit-primary);
    font-size: 0.68rem;
    cursor: help;
    position: relative;
    vertical-align: 1px;
    transition: background 0.15s ease, color 0.15s ease, transform 0.15s ease;
    -webkit-tap-highlight-color: transparent;
}
.credit-hint:hover,
.credit-hint:focus,
.credit-hint.is-open {
    background: var(--credit-primary);
    color: #fff;
    outline: none;
    transform: scale(1.08);
}
.credit-hint i { font-style: normal; line-height: 1; }

.credit-hint::after {
    content: attr(data-tip);
    position: absolute;
    bottom: calc(100% + 8px);
    left: 50%;
    transform: translateX(-50%) translateY(4px);
    background: #162033;
    color: #fff;
    padding: 0.65rem 0.85rem;
    border-radius: 10px;
    width: max-content;
    max-width: min(280px, 78vw);
    font-size: 0.78rem;
    line-height: 1.5;
    text-transform: none;
    letter-spacing: 0;
    font-weight: 500;
    white-space: normal;
    text-align: left;
    box-shadow: 0 14px 32px rgba(0, 0, 0, 0.22);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
    z-index: 1080;
}
.credit-hint::before {
    content: "";
    position: absolute;
    bottom: calc(100% + 2px);
    left: 50%;
    transform: translateX(-50%) translateY(4px);
    border: 6px solid transparent;
    border-top-color: #162033;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
    z-index: 1081;
}
.credit-hint:hover::after,
.credit-hint:focus::after,
.credit-hint.is-open::after,
.credit-hint:hover::before,
.credit-hint:focus::before,
.credit-hint.is-open::before {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}

/* Mobile: hint stays focusable but tooltip flips below if near top */
@media (max-width: 480px) {
    .credit-hint::after { max-width: 86vw; font-size: 0.75rem; }
}

/* Eyebrow sections may host a hint inline — keep its tone aligned */
.credit-section-eyebrow .credit-hint {
    background: rgba(15, 10, 157, 0.15);
}