/* Credit preparation: scoped layouts, source-linked guidance and private planning. */
.credit-ready-visual{min-width:0}
.credit-ready-planner-link{display:inline-flex;align-items:center;justify-content:space-between;gap:24px;min-height:48px;margin:5px 0;padding:10px 0;color:var(--blue);font-size:1.0625rem;font-weight:700;line-height:1.5;text-decoration:underline;text-underline-offset:5px}
.credit-ready-human-note{margin:24px 0 0;padding:0 0 0 20px;border-left:2px solid #b49961}
.credit-ready-human-note p{font-size:1.0625rem;line-height:1.65;color:var(--ink);margin:8px 0}
.credit-ready-human-note a{color:var(--blue);font-weight:700;text-decoration:underline;text-underline-offset:4px}
.credit-ready-human-note>span:last-child{font-size:.9375rem;line-height:1.6;color:var(--muted)}
.credit-ready-options{background:radial-gradient(ellipse at 0 0,#8aa6c71a,transparent 55%),var(--soft);border-block:1px solid var(--line)}
.credit-ready-options-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
.credit-ready-option{display:flex;flex-direction:column;align-items:flex-start;min-width:0;padding:clamp(24px,3vw,38px);background:var(--card);border:1px solid var(--line);border-radius:6px 6px 24px 6px;box-shadow:var(--shadow)}
.credit-ready-option-partner{border-top:3px solid #b49961}
.credit-ready-option h3{font-size:clamp(1.35rem,2vw,1.7rem);line-height:1.3;color:var(--ink);margin:15px 0 18px}
.credit-ready-option p,.credit-ready-option li{font-size:1rem;line-height:1.8;color:var(--muted)}
.credit-ready-option ul{padding-left:22px;margin:0 0 20px}
.credit-ready-option li{margin-bottom:7px}
.credit-ready-option p strong{color:var(--ink)}
.credit-ready-option .credit-ready-commercial{padding-top:18px;border-top:1px solid var(--line)}
.credit-ready-option .btn{min-height:52px;margin-top:auto;white-space:normal;line-height:1.5;text-align:center;width:100%}
.credit-ready-option .credit-ready-text-link{font-size:.9375rem;align-self:center;margin-top:10px;text-align:center}
.credit-ready-local-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:clamp(30px,5vw,72px);align-items:start}
.credit-ready-local-grid>.credit-ready-heading{margin-bottom:0}
.credit-ready-local-note{min-width:0;padding:clamp(24px,3vw,36px);background:linear-gradient(145deg,var(--soft),var(--card));border:1px solid var(--line);border-left:3px solid #b49961;border-radius:4px 18px 18px 4px;box-shadow:var(--shadow)}
.credit-ready-local-note h3{font-size:1.5rem;line-height:1.35;margin:15px 0 20px;color:var(--ink)}
.credit-ready-local-note ul{padding-left:20px;margin:0 0 20px}
.credit-ready-local-note p,.credit-ready-local-note li{font-size:1rem;line-height:1.8;color:var(--muted)}
.credit-ready-local-note li{margin-bottom:12px}
.credit-ready-local-note strong{color:var(--ink)}
.credit-ready-local-note .btn{white-space:normal;line-height:1.5;min-height:48px;text-align:center;width:100%}
:is(#credit-plan,#credit-report-options,#adverse-credit-london){scroll-margin-top:calc(var(--header-height,120px) + 24px)}
:is(.credit-ready-options,.credit-ready-local) a:focus-visible{outline:3px solid var(--blue);outline-offset:5px}
@media(max-width:900px){.credit-ready-visual{max-width:700px;width:100%;margin:auto}.credit-ready-local-grid{grid-template-columns:1fr}}
@media(max-width:700px){.credit-ready-options-grid{grid-template-columns:1fr}.credit-ready-option{padding:25px 22px}.credit-ready-local-note{padding:25px 22px}}
@media print{.credit-ready-options,.credit-ready-local-note{background:#fff!important;box-shadow:none}.credit-ready-options-grid,.credit-ready-local-grid{display:block}.credit-ready-option,.credit-ready-local-note{break-inside:avoid;margin-bottom:20px}}
.credit-ready-hero{--credit-ready-gold:#d9bc80;--credit-ready-silver:#cbd9e9;position:relative;isolation:isolate;background:radial-gradient(ellipse at 95% 12%,#d4bc8730,transparent 44%),linear-gradient(125deg,var(--soft),var(--surface));overflow:hidden}
.credit-ready-hero::before{content:"";position:absolute;z-index:-1;inset:0;pointer-events:none;background:repeating-linear-gradient(120deg,transparent 0 119px,#839ab915 120px 121px);mask-image:linear-gradient(90deg,transparent,black)}
.credit-ready-hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);align-items:center;gap:clamp(30px,4.5vw,64px)}
.credit-ready-intro{min-width:0}
:root body main .credit-ready-hero h1{font-size:clamp(2.5rem,4.5vw,4.25rem);line-height:1.08;max-width:15ch;letter-spacing:-.035em;color:var(--ink);margin-bottom:22px;text-wrap:balance}
.credit-ready-intro>p{max-width:56ch;color:var(--muted);font-size:1.0625rem;line-height:1.8}
:root body main .credit-ready-intro>.credit-ready-lede{font-size:1.1875rem;line-height:1.7;color:var(--ink);max-width:45ch}
.credit-ready-label{display:block;font-size:.8125rem;font-weight:700;letter-spacing:.055em;line-height:1.65;color:var(--muted)}
.credit-ready-partner{margin-top:26px;padding:22px;border:1px solid var(--line);border-left:3px solid #a88b4d;border-radius:3px 12px 12px 3px;background:var(--card);box-shadow:0 8px 30px #1123400a}
.credit-ready-partner .credit-ready-label{margin-bottom:12px;color:var(--ink)}
.credit-ready-partner .btn{width:100%;min-height:52px;padding:13px 16px;text-align:center;white-space:normal;font-size:1rem;line-height:1.5}
.credit-ready-partner p{font-size:.9375rem;line-height:1.75;color:var(--muted);margin:15px 0 0}
.credit-ready-partner p strong{color:var(--ink)}
.credit-ready-partner p a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}
.credit-ready-puppet{position:relative;min-width:0;margin:0;border:1px solid var(--line);border-radius:4px 4px 32px 4px;overflow:hidden;box-shadow:0 24px 55px #1024401c;background:var(--card)}
.credit-ready-puppet::after{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,#c2a165,#e5d6b1,#9fb8d5)}
.credit-ready-puppet img{display:block;width:100%;height:auto;aspect-ratio:1400/933;object-fit:contain}
.credit-ready-puppet figcaption{padding:18px 22px;margin:0;border-top:1px solid var(--line);font-size:.9375rem;line-height:1.7;color:var(--muted)}
.credit-ready-jumps{border-block:1px solid var(--line);background:var(--card)}
.credit-ready-jumps>.container{display:flex;flex-wrap:wrap;gap:4px 28px;padding-block:12px}
.credit-ready-jumps a{display:flex;align-items:center;min-height:44px;padding:7px 0;color:var(--ink);font-size:.9375rem;font-weight:650;line-height:1.5;text-underline-offset:5px}
.credit-ready-heading{max-width:720px;margin-bottom:32px;min-width:0}
.credit-ready-heading h2{font-size:clamp(1.9rem,3vw,2.7rem);line-height:1.18;letter-spacing:-.025em;color:var(--ink);margin:0 0 18px;text-wrap:balance}
.credit-ready-heading p{font-size:1.0625rem;line-height:1.8;color:var(--muted);max-width:64ch}
.credit-ready-heading .kicker{margin-bottom:14px}
.credit-ready-basics-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.credit-ready-basics-grid>article{padding:27px 28px 29px;border:1px solid var(--line);border-top:3px solid #bccbdd;border-radius:4px 4px 18px 4px;background:linear-gradient(145deg,var(--card),var(--soft));box-shadow:0 8px 26px #11234008;min-width:0}
.credit-ready-basics-grid>article:nth-child(2){border-top-color:#b49961}
.credit-ready-basics-grid>article:nth-child(3){border-top-color:#4880c6}
.credit-ready-basics-grid h3{font-size:1.375rem;line-height:1.3;color:var(--ink);margin:18px 0 14px}
.credit-ready-basics-grid p{font-size:1.0625rem;line-height:1.8;color:var(--muted);margin:0}
.credit-ready-process{background:linear-gradient(135deg,var(--soft),var(--surface));border-block:1px solid var(--line)}
.credit-ready-process-grid{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.3fr);gap:clamp(30px,7vw,100px);align-items:start}
.credit-ready-process-grid>.credit-ready-heading{margin-bottom:0}
.credit-ready-heading .credit-ready-aside{font-size:1rem;padding:18px 0 18px 20px;margin:28px 0 17px;border-left:2px solid #b49961}
.credit-ready-text-link{display:inline-flex;align-items:center;gap:9px;min-height:44px;padding:8px 0;font-size:1rem;line-height:1.6;font-weight:650;color:var(--blue);text-decoration:underline;text-underline-offset:4px}
.credit-ready-timeline{list-style:none;margin:0;padding:0;min-width:0}
.credit-ready-timeline>li{list-style:none;margin:0;padding:0;position:relative}
.credit-ready-timeline>li::before{content:"";position:absolute;top:41px;bottom:-24px;left:20px;width:1px;background:var(--line);pointer-events:none}
.credit-ready-timeline>li:last-child::before{display:none}
.credit-ready-stage{position:relative;padding:0;margin:0;border:0;border-bottom:1px solid var(--line);background:transparent}
.credit-ready-stage summary{display:grid;grid-template-columns:42px minmax(0,1fr) 18px;align-items:center;gap:16px;list-style:none;cursor:pointer;min-height:83px;padding:18px 0;color:var(--ink);font-size:1.0625rem;font-weight:700;line-height:1.5}
.credit-ready-stage summary::-webkit-details-marker{display:none}
.credit-ready-stage-number{display:grid;place-items:center;width:42px;height:42px;border:1px solid var(--line);background:var(--card);color:var(--muted);border-radius:50%;font-size:.8125rem;font-weight:700;font-variant-numeric:tabular-nums;z-index:1}
.credit-ready-stage[open] .credit-ready-stage-number{color:#fff;background:#18569f;border-color:#18569f}
.credit-ready-toggle{position:relative;display:block;width:18px;height:18px;color:var(--blue)}
.credit-ready-toggle::before,.credit-ready-toggle::after{content:"";position:absolute;background:currentColor;width:14px;height:2px;left:2px;top:8px}
.credit-ready-toggle::after{transform:rotate(90deg)}
.credit-ready-stage[open] .credit-ready-toggle::after{display:none}
.credit-ready-stage-body{padding:0 24px 26px 58px}
.credit-ready-stage-body p{font-size:1.0625rem;line-height:1.8;margin:0;color:var(--muted)}
.credit-ready-checklist{border:1px solid var(--line);border-radius:5px 5px 20px 5px;background:var(--card);overflow:hidden;box-shadow:0 16px 40px #1123400b}
.credit-ready-progress{display:grid;grid-template-columns:minmax(0,1fr) minmax(160px,280px);gap:25px;align-items:center;padding:26px 32px;background:radial-gradient(ellipse at 100% 0,#305777,transparent 75%),#112c4a;color:#fff}
.credit-ready-progress .credit-ready-label{color:#e3c88e;margin-bottom:7px}
.credit-ready-progress strong{display:block;font-family:var(--display);font-size:1.375rem;line-height:1.5;color:#fff}
.credit-ready-progress progress{width:100%;height:12px;accent-color:#aacbfd;border:0;border-radius:999px;background:#43607e}
.credit-ready-progress progress::-webkit-progress-bar{background:#43607e;border-radius:999px}
.credit-ready-progress progress::-webkit-progress-value{background:#aacbfd;border-radius:999px}
.credit-ready-progress progress::-moz-progress-bar{background:#aacbfd;border-radius:999px}
.credit-ready-check-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
.credit-ready-check{display:grid;grid-template-columns:24px minmax(0,1fr);align-items:start;gap:15px;padding:24px 30px;border-bottom:1px solid var(--line);cursor:pointer;min-width:0}
.credit-ready-check:nth-child(odd){border-right:1px solid var(--line)}
.credit-ready-check input{width:22px;height:22px;min-width:22px;margin:3px 0 0;accent-color:var(--blue);cursor:pointer}
.credit-ready-check strong{display:block;color:var(--ink);font-size:1.0625rem;line-height:1.6}
.credit-ready-check small{display:block;color:var(--muted);font-size:1rem;line-height:1.75;margin-top:5px}
.credit-ready-check:has(input:checked){background:var(--soft)}
.credit-ready-check-actions{padding:22px 30px;display:flex;gap:15px 25px;align-items:center;flex-wrap:wrap}
.credit-ready-check-actions p{font-size:.9375rem;line-height:1.7;color:var(--muted);margin:0}
.credit-ready-check-actions .btn{min-height:46px;font-size:.9375rem}
.credit-ready-questions{padding-top:0}
.credit-ready-question-grid{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.3fr);gap:clamp(30px,7vw,100px)}
.credit-ready-question-grid>.credit-ready-heading{margin-bottom:0}
.credit-ready-related{display:flex;flex-direction:column;margin-top:27px;padding-top:14px;border-top:1px solid var(--line)}
.credit-ready-related a{display:flex;justify-content:space-between;gap:16px;padding:11px 0;min-height:46px;font-size:1rem;font-weight:600;line-height:1.6;color:var(--blue);text-decoration:underline;text-underline-offset:4px}
.credit-ready-related a span{flex-shrink:0}
.credit-ready-faq summary{font-size:1.0625rem;font-weight:700;line-height:1.6;min-height:64px;color:var(--ink);padding-block:20px}
.credit-ready-faq p{font-size:1.0625rem;line-height:1.8;color:var(--muted);padding-right:10px}
.credit-ready-contact{padding-top:0}
.credit-ready-contact-panel{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.85fr);gap:clamp(30px,5vw,70px);align-items:center;background:radial-gradient(ellipse at 100% 0,#284a6b,transparent 65%),linear-gradient(135deg,#142e4b,#0b203b);border:1px solid #57708b;border-top:3px solid #c6ab70;border-radius:5px 5px 28px 5px;padding:clamp(28px,5vw,58px);box-shadow:0 20px 50px #11234016}
:root body main .credit-ready-contact-panel .kicker{color:#e4c88e}
:root body main .credit-ready-contact-panel h2{font-size:clamp(1.9rem,3vw,2.65rem);line-height:1.18;max-width:24ch;color:#fff;margin-bottom:20px}
:root body main .credit-ready-contact-panel p{font-size:1.0625rem;line-height:1.8;color:#e0e9f4}
:root body main .credit-ready-contact-panel .credit-ready-contact-note{font-size:.9375rem;color:#c5d4e8}
.credit-ready-contact-actions{display:flex;flex-direction:column;align-items:stretch;gap:14px}
.credit-ready-contact-actions .btn{min-height:52px;padding:14px 19px;font-size:1rem;line-height:1.5;white-space:normal;text-align:center}
:root body main .credit-ready-contact-actions .btn-secondary{border-color:#a2b5ce;color:#fff;background:#ffffff05}
:root body main .credit-ready-contact-actions .credit-ready-text-link{color:#c5ddff;font-size:.9375rem;justify-content:center;text-align:center}
.credit-ready-sources{padding:0 0 54px}
.credit-ready-sources>.container{padding-top:26px;border-top:1px solid var(--line)}
.credit-ready-sources h2{font-size:1.125rem;line-height:1.5;letter-spacing:0;color:var(--ink);margin-bottom:10px}
.credit-ready-sources p,.credit-ready-sources li{font-size:.9375rem;line-height:1.75;color:var(--muted)}
.credit-ready-sources ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:7px 30px;list-style:none;padding:0;margin:0}
.credit-ready-sources li{margin:0}
.credit-ready-sources a{display:inline-block;padding:7px 0;min-height:42px;text-decoration:underline;text-underline-offset:4px;color:var(--blue);overflow-wrap:anywhere}
.credit-ready-link-band{padding:30px 0;background:linear-gradient(120deg,var(--soft),var(--card));border-bottom:1px solid var(--line)}
.credit-ready-link-band>.container{display:flex;align-items:center;justify-content:space-between;gap:25px 40px}
.credit-ready-link-band h2{font-size:clamp(1.3rem,2.3vw,1.7rem);line-height:1.35;color:var(--ink);margin:8px 0}
.credit-ready-link-band p{font-size:1rem;line-height:1.75;color:var(--muted);margin:0;max-width:70ch}
.credit-ready-link-band .btn{flex-shrink:0;max-width:320px;font-size:1rem;line-height:1.5;white-space:normal;text-align:center}
:is(.credit-ready-hero,.credit-ready-basics,.credit-ready-process,.credit-ready-checklist-section,.credit-ready-questions,.credit-ready-contact,.credit-ready-sources,.credit-ready-link-band,.credit-ready-jumps) :is(a,summary,input,button):focus-visible{outline:3px solid var(--blue);outline-offset:5px}
.credit-ready-contact-panel :is(a,button):focus-visible{outline-color:#f2d598}
:is(#credit-ready-basics,#credit-ready-steps,#credit-ready-checklist,#credit-ready-questions){scroll-margin-top:calc(var(--header-height,120px) + 24px)}
[data-theme=dark] .credit-ready-hero{background:radial-gradient(ellipse at 96% 10%,#c3a26820,transparent 50%),linear-gradient(125deg,var(--soft),var(--surface))}
[data-theme=dark] .credit-ready-puppet{box-shadow:0 24px 55px #0005;border-color:#50647d}
[data-theme=dark] .credit-ready-stage[open] .credit-ready-stage-number{background:#224e83;border-color:#8bb8f2}
[data-theme=dark] .credit-ready-partner{border-left-color:#d4bc82}
@media(max-width:1050px){.credit-ready-hero-grid{gap:28px}.credit-ready-basics-grid{gap:16px}.credit-ready-basics-grid>article{padding:24px}.credit-ready-process-grid,.credit-ready-question-grid{gap:40px}.credit-ready-link-band>.container{align-items:flex-start;flex-direction:column}.credit-ready-link-band .btn{max-width:none}}
@media(max-width:900px){.credit-ready-hero-grid{grid-template-columns:1fr}.credit-ready-intro{max-width:760px}.credit-ready-puppet{max-width:700px;width:100%;margin:10px auto 0}.credit-ready-partner{max-width:650px}.credit-ready-basics-grid{grid-template-columns:1fr}.credit-ready-basics-grid>article{padding:25px 28px}.credit-ready-basics-grid h3{margin-top:12px}.credit-ready-process-grid,.credit-ready-question-grid{grid-template-columns:1fr;gap:22px}.credit-ready-process-grid>.credit-ready-heading,.credit-ready-question-grid>.credit-ready-heading{max-width:720px}.credit-ready-related{max-width:600px}.credit-ready-contact-panel{grid-template-columns:1fr}.credit-ready-contact-actions{max-width:560px}.credit-ready-sources ul{grid-template-columns:1fr}}
@media(max-width:600px){:root body main .credit-ready-hero h1{font-size:clamp(2.2rem,9.5vw,3rem);line-height:1.1}:root body main .credit-ready-intro>.credit-ready-lede{font-size:1.125rem}.credit-ready-intro>p{font-size:1rem}.credit-ready-partner{padding:19px 17px}.credit-ready-partner p{font-size:.9375rem}.credit-ready-puppet figcaption{padding:16px 18px}.credit-ready-jumps>.container{display:grid;grid-template-columns:1fr 1fr;gap:2px 20px}.credit-ready-jumps a{font-size:.9375rem;min-height:52px}.credit-ready-heading{margin-bottom:25px}.credit-ready-heading p,.credit-ready-basics-grid p,.credit-ready-stage-body p,.credit-ready-faq p{font-size:1rem;line-height:1.8}.credit-ready-stage summary{font-size:1rem;gap:12px;grid-template-columns:36px minmax(0,1fr) 16px}.credit-ready-stage-number{width:36px;height:36px}.credit-ready-stage-body{padding-left:0;padding-right:0}.credit-ready-timeline>li::before{display:none}.credit-ready-progress{grid-template-columns:1fr;padding:24px;gap:15px}.credit-ready-progress progress{max-width:none}.credit-ready-check-grid{grid-template-columns:1fr}.credit-ready-check{padding:22px;gap:13px}.credit-ready-check:nth-child(odd){border-right:0}.credit-ready-check strong{font-size:1rem}.credit-ready-check-actions{padding:22px;align-items:stretch;flex-direction:column}.credit-ready-check-actions .btn{align-self:flex-start}.credit-ready-check small{font-size:1rem}.credit-ready-faq summary{font-size:1rem;padding-right:30px}.credit-ready-contact-panel{padding:28px 23px}.credit-ready-contact-actions{max-width:none}.credit-ready-link-band .btn{width:100%}.credit-ready-sources{padding-bottom:38px}}
@media(prefers-reduced-motion:reduce){[class^="credit-ready-"]{scroll-behavior:auto;animation:none;transition:none}}
@media print{.credit-ready-hero,.credit-ready-process,.credit-ready-partner,.credit-ready-checklist,.credit-ready-basics-grid>article,.credit-ready-contact-panel{background:#fff!important;color:#112340;border-color:#aaa;box-shadow:none}.credit-ready-hero::before,.credit-ready-jumps,.credit-ready-check-actions,.credit-ready-contact-actions{display:none}.credit-ready-hero-grid,.credit-ready-process-grid,.credit-ready-question-grid{display:block}.credit-ready-puppet{max-width:360px;margin:20px 0;box-shadow:none}.credit-ready-stage-body,.credit-ready-faq>p{display:block!important}.credit-ready-stage,.credit-ready-basics-grid>article{break-inside:avoid}.credit-ready-progress{background:#fff;color:#112340}.credit-ready-progress :is(strong,.credit-ready-label){color:#112340}.credit-ready-stage-number{color:#112340!important;background:#fff!important;border-color:#888!important}:root body main .credit-ready-contact-panel :is(h2,p,.kicker){color:#112340}.credit-ready-checklist{box-shadow:none}.credit-ready-contact-panel{break-inside:avoid}}