.credit-hub{background:#fff;color:#12345b}.credit-hub *{box-sizing:border-box}.credit-hub .eyebrow{display:block;color:#0864df;font-size:13px;font-weight:900;letter-spacing:1.4px;text-transform:uppercase;margin-bottom:14px}.credit-hero{background:linear-gradient(135deg,#f8fbff 0%,#e9f5ff 52%,#d9efff 100%);padding:48px 0 42px;overflow:hidden}.credit-hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:58px;align-items:center}.credit-hero-copy h1{font-size:clamp(44px,5vw,72px);line-height:.98;letter-spacing:-2.2px;margin:0 0 22px;color:#11365e;max-width:720px}.hero-lead{font-size:20px;line-height:1.55;color:#415d7f;max-width:680px;margin:0 0 24px}.hero-points{display:grid;grid-template-columns:repeat(4,max-content);gap:12px 22px;color:#173d67;font-size:13px;font-weight:800;margin:0 0 26px}.hero-points span{white-space:nowrap}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.credit-btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:12px;padding:15px 24px;font-weight:900;border:1px solid transparent;transition:.2s}.credit-btn.primary{background:#ff6a00;color:#fff;box-shadow:0 10px 26px rgba(255,106,0,.22)}.credit-btn.secondary{background:#fff;color:#123d6b;border-color:#ccdaea}.credit-btn.compact{padding:12px 18px;background:#0f63db;color:#fff}.credit-btn.white{background:#fff;color:#0d58c8}.credit-hero-visual{position:relative;min-height:430px;display:flex;align-items:center}.hero-photo-wrap{border-radius:28px;overflow:hidden;width:78%;margin-left:auto;background:#fff;box-shadow:0 24px 50px rgba(25,78,129,.12);border:10px solid rgba(255,255,255,.7)}.hero-photo-wrap img{width:100%;height:390px;object-fit:cover;display:block}.score-widget{position:absolute;left:0;bottom:28px;width:265px;background:#fff;border-radius:22px;padding:20px 20px 18px;box-shadow:0 18px 45px rgba(12,66,125,.18);border:1px solid #d8e7f6}.score-widget small{display:block;text-align:center;font-weight:900;color:#173e69;margin-bottom:8px}.score-gauge{height:130px;position:relative;overflow:hidden}.score-gauge:before{content:"";position:absolute;width:210px;height:105px;left:50%;transform:translateX(-50%);bottom:0;border-radius:210px 210px 0 0;background:conic-gradient(from 270deg at 50% 100%,#f53028 0 19%,#ff8b00 19% 37%,#ffdc00 37% 55%,#6bc12a 55% 72%,#16a34a 72% 100%);clip-path:inset(0 0 0 0)}.score-gauge:after{content:"";position:absolute;width:150px;height:75px;left:50%;transform:translateX(-50%);bottom:0;border-radius:150px 150px 0 0;background:#fff}.score-inner{position:absolute;z-index:2;left:0;right:0;bottom:0;text-align:center}.score-inner strong{font-size:45px;display:block;line-height:.9}.score-inner span{font-size:16px;color:#159447;font-weight:900}.score-scale{display:flex;justify-content:space-between;color:#7d8fa6;font-size:11px;margin-top:-2px}.score-widget p{margin:12px 0 0;font-size:12px;line-height:1.45;text-align:center;color:#526e8d}.credit-section{padding:68px 0}.section-head{max-width:760px;margin-bottom:34px}.section-head.centered{text-align:center;margin-left:auto;margin-right:auto}.section-head h2{font-size:clamp(32px,3.3vw,46px);line-height:1.08;letter-spacing:-1.2px;margin:0 0 12px;color:#12375f}.section-head p{font-size:17px;line-height:1.6;color:#667e99;margin:0}.include-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}.include-card{border:1px solid #d7e4f2;border-radius:18px;padding:20px 18px;min-height:210px;background:#fff;box-shadow:0 8px 24px rgba(21,70,116,.04)}.include-icon{width:54px;height:54px;border-radius:14px;background:#eef6ff;color:#0f63db;display:grid;place-items:center;font-size:24px;margin-bottom:18px}.include-card:nth-child(2) .include-icon{background:#fff1e8;color:#ff6a00}.include-card:nth-child(3) .include-icon{background:#eafaf1;color:#0c9e57}.include-card:nth-child(4) .include-icon{background:#f1ecff;color:#7a4be8}.include-card:nth-child(5) .include-icon{background:#e9f4ff;color:#166fd9}.include-card:nth-child(6) .include-icon{background:#fff0f4;color:#e33d76}.include-card h3{font-size:18px;line-height:1.22;margin:0 0 10px;color:#12385f}.include-card p{font-size:14px;line-height:1.5;color:#627994;margin:0}.score-guide{background:linear-gradient(100deg,#edf7ff,#dff1ff)}.score-guide-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}.score-guide h2{font-size:46px;line-height:1.08;margin:0 0 18px;color:#12375f}.score-guide p{font-size:17px;line-height:1.65;color:#4f6b89}.score-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:26px 0}.score-facts div{background:rgba(255,255,255,.78);border:1px solid #cfe2f5;border-radius:14px;padding:14px}.score-facts b,.score-facts span{display:block}.score-facts b{color:#0d5bcf;margin-bottom:4px}.score-facts span{font-size:12px;color:#657c97}.score-guide-image{background:#fff;border-radius:24px;padding:12px;box-shadow:0 18px 40px rgba(20,74,128,.12)}.score-guide-image img{width:100%;height:340px;object-fit:cover;border-radius:17px;display:block}.bureau-section{background:#fbfdff}.bureau-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.bureau-card{position:relative;border:1px solid #d7e4f2;border-radius:18px;background:#fff;padding:22px;display:flex;flex-direction:column;min-height:320px}.bureau-card.featured{border-color:#8dd7ac;box-shadow:0 10px 28px rgba(24,141,75,.08)}.status-pill{position:absolute;left:18px;top:16px;background:#22a55b;color:#fff;border-radius:999px;font-size:10px;font-weight:900;padding:5px 9px}.bureau-logo{height:78px;display:grid;place-items:center;margin:22px 0 10px}.bureau-logo img{max-width:150px;max-height:65px;object-fit:contain}.bureau-logo strong{font-size:20px;color:#12375f}.bureau-card h3{font-size:20px;margin:0 0 10px;color:#12385f}.bureau-card p{font-size:14px;line-height:1.55;color:#647c98;margin:0 0 20px;flex:1}.bureau-action{display:inline-flex;justify-content:center;text-decoration:none;background:#eef5fd;color:#0c5ed4;border-radius:10px;padding:12px 14px;font-weight:900}.featured .bureau-action{background:#ff6a00;color:#fff}.habits-section{background:linear-gradient(100deg,#fffdf7,#fff8ee)}.habit-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:20px}.habit-item{text-align:center}.habit-item span{width:58px;height:58px;border-radius:50%;background:#e9f8ef;color:#0d9b55;display:grid;place-items:center;font-size:25px;margin:0 auto 12px}.habit-item:nth-child(2) span{background:#e6f2ff;color:#0e67d5}.habit-item:nth-child(3) span{background:#fff0df;color:#ed7d00}.habit-item:nth-child(4) span{background:#eee8ff;color:#724bde}.habit-item:nth-child(5) span{background:#ffebef;color:#e33b64}.habit-item:nth-child(6) span{background:#e4f8ef;color:#0d9b55}.habit-item b{font-size:13px;line-height:1.35;color:#12385f}.article-section{background:linear-gradient(180deg,#eff8ff,#e3f3ff)}.article-head{max-width:none;display:flex;justify-content:space-between;align-items:end}.article-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.article-card{overflow:hidden;background:#fff;border-radius:17px;border:1px solid #d3e3f2;box-shadow:0 8px 24px rgba(25,77,125,.05)}.article-card>img{width:100%;height:150px;object-fit:cover;display:block}.article-card>div{padding:18px}.article-card h3{font-size:18px;line-height:1.25;color:#12385f;margin:0 0 9px}.article-card p{font-size:13px;line-height:1.5;color:#667e99;margin:0 0 12px}.article-card a{color:#0b62d8;font-weight:900;text-decoration:none}.credit-final-cta{background:#0d5dcf;color:#fff;padding:45px 0}.credit-final-cta .shell{display:flex;justify-content:space-between;align-items:center;gap:28px}.credit-final-cta .eyebrow.light{color:#bcd9ff}.credit-final-cta h2{font-size:38px;margin:0 0 8px}.credit-final-cta p{margin:0;color:#dbeaff;font-size:16px}
@media(max-width:1100px){.credit-hero-grid,.score-guide-grid{grid-template-columns:1fr}.credit-hero-visual{min-height:390px}.include-grid{grid-template-columns:repeat(3,1fr)}.bureau-grid{grid-template-columns:repeat(2,1fr)}.habit-grid{grid-template-columns:repeat(3,1fr)}.article-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:700px){.credit-hero{padding:34px 0}.credit-hero-copy h1{font-size:44px}.hero-points{grid-template-columns:1fr 1fr}.credit-hero-visual{min-height:auto;display:block}.hero-photo-wrap{width:100%;margin:20px 0 0}.hero-photo-wrap img{height:280px}.score-widget{position:relative;width:100%;left:auto;bottom:auto;margin-top:14px}.include-grid,.bureau-grid,.habit-grid,.article-grid,.score-facts{grid-template-columns:1fr}.credit-section{padding:48px 0}.score-guide h2{font-size:36px}.score-guide-image img{height:260px}.credit-final-cta .shell{display:block}.credit-final-cta .credit-btn{margin-top:20px}.habit-item{display:flex;align-items:center;text-align:left;gap:14px}.habit-item span{margin:0;flex:0 0 52px}}

/* Bureau-card polish */
.bureau-section .section-head{max-width:820px}
.bureau-grid{align-items:stretch}
.bureau-card{min-height:300px;padding:20px 20px 18px}
.bureau-logo{height:82px;margin:18px 0 12px;padding:6px 10px;border-radius:14px;background:#f8fbff}
.bureau-logo img{max-width:175px;max-height:62px;width:auto;height:auto;object-fit:contain;display:block}
.bureau-card h3{text-align:center;margin-top:2px}
.bureau-card p{text-align:center}
.bureau-action{margin-top:auto}
@media(max-width:700px){.bureau-card{min-height:auto}.bureau-logo{height:72px}.bureau-logo img{max-width:160px;max-height:56px}}

/* 2026-09-30 CIBIL content polish + dynamic FAQ ticker */
.includes-section{background:#fff}.includes-head{max-width:860px;margin-bottom:38px}.includes-head .eyebrow{margin-bottom:10px}.includes-head h2{max-width:760px;margin-left:auto;margin-right:auto}.includes-head p{max-width:650px;margin-left:auto;margin-right:auto}.include-grid{align-items:stretch}.include-card{min-height:220px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}.include-card:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(21,70,116,.09);border-color:#bdd6ef}
.faq-section{background:linear-gradient(180deg,#edf8ff 0%,#dfefff 100%);overflow:hidden;padding-bottom:76px}.faq-head{max-width:800px;margin-bottom:34px}.faq-marquee{width:100%;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}.faq-track{display:flex;gap:18px;width:max-content;animation:faq-scroll-rtl 42s linear infinite;padding:8px 0 18px}.faq-marquee:hover .faq-track{animation-play-state:paused}.faq-card{width:330px;min-height:230px;flex:0 0 330px;background:#fff;border:1px solid #d3e3f2;border-radius:18px;padding:22px;box-shadow:0 10px 28px rgba(25,77,125,.06);display:flex;flex-direction:column}.faq-mark{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#eaf4ff;color:#0d63dc;font-size:20px;font-weight:900;margin-bottom:18px}.faq-card h3{font-size:19px;line-height:1.28;color:#12385f;margin:0 0 10px}.faq-card p{font-size:14px;line-height:1.6;color:#637d99;margin:0 0 15px;flex:1}.faq-card a{color:#0b62d8;font-weight:900;text-decoration:none}.faq-card:hover{border-color:#a9c9ea;box-shadow:0 16px 34px rgba(25,77,125,.11)}
@keyframes faq-scroll-rtl{from{transform:translateX(0)}to{transform:translateX(calc(-50% - 9px))}}
@media(max-width:700px){.includes-head{text-align:left}.faq-card{width:285px;flex-basis:285px;min-height:215px}.faq-track{animation-duration:34s}.faq-marquee{mask-image:none;-webkit-mask-image:none}}
@media(prefers-reduced-motion:reduce){.faq-track{animation:none;overflow-x:auto}.faq-marquee{overflow-x:auto}}

/* Credit-report includes heading alignment fix */
.credit-hub .includes-section .includes-head{display:block!important;grid-template-columns:none!important;text-align:center!important;max-width:900px!important;margin:0 auto 38px!important;padding:0 18px!important}
.credit-hub .includes-section .includes-head .eyebrow{display:block!important;width:auto!important;max-width:none!important;margin:0 0 12px!important;white-space:normal!important;line-height:1.35!important}
.credit-hub .includes-section .includes-head h2{display:block!important;width:auto!important;max-width:760px!important;margin:0 auto 14px!important;text-align:center!important}
.credit-hub .includes-section .includes-head p{display:block!important;width:auto!important;max-width:650px!important;margin:0 auto!important;text-align:center!important}
@media(max-width:700px){.credit-hub .includes-section .includes-head{text-align:center!important;padding:0 8px!important}.credit-hub .includes-section .includes-head h2,.credit-hub .includes-section .includes-head p{text-align:center!important}}