/* Public website (PublicSite.master): home, fraud-prevention, how-it-works, about, contact.
   Vetted Credit brand colours (Brand Guide v1.0): Pantone 294 blue #003F87, 348 dark green #008751, 361 light green #1EB53A.
   Headings in Metropolis (fonts/, public domain), body in the system sans-serif. No Bootstrap; works from 320px phones up. */

@font-face { font-family: "Metropolis"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/metropolis-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Metropolis"; font-style: italic; font-weight: 400; font-display: swap; src: url("../fonts/metropolis-latin-400-italic.woff2") format("woff2"); }
@font-face { font-family: "Metropolis"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/metropolis-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Metropolis"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/metropolis-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Metropolis"; font-style: normal; font-weight: 800; font-display: swap; src: url("../fonts/metropolis-latin-800-normal.woff2") format("woff2"); }

:root {
    --navy: #003f87;
    --navy-hover: #00326b;
    --navy-dark: #02283a;
    --navy-deep: #011b29;
    --green: #008751;
    --green-bright: #1eb53a;
    --green-light: #e6f4ee;
    --brand-font: "Metropolis", "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
    --gold: #c8a24a;
    --ink: #1f2937;
    --muted: #5b6573;
    --line: #dde3ea;
    --bg-soft: #f4f7fb;
    --white: #ffffff;
    --pass: #067647;
    --pass-bg: #ecfdf3;
    --warn: #b54708;
    --warn-bg: #fffaeb;
    --alert: #b42318;
    --alert-bg: #fef3f2;
    --radius: 12px;
    --shadow: 0 12px 32px rgba(2, 40, 58, .14);
    font-family: "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    margin: 0;
    background: var(--white);
    color: var(--ink);
    font-size: 17px;
    line-height: 1.6;
}

img { max-width: 100%; height: auto; }

a { color: var(--navy); }

h1, h2, h3 { font-family: var(--brand-font); font-weight: 700; color: var(--navy-dark); line-height: 1.2; margin: 0 0 .5em; }

p { margin: 0 0 1em; }

.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}

.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 100; background: #fff; padding: 8px 14px; border-radius: 6px; }
.skip-link:focus { left: 8px; }

.pub-wrap { max-width: 1160px; margin: 0 auto; padding: 0 20px; }

/* ----- Header ----- */

.pub-header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(255, 255, 255, .97);
    border-bottom: 1px solid var(--line);
}

.pub-header-inner { display: flex; align-items: center; gap: 20px; min-height: 88px; }

/* The full logo with its tagline; the brand guide's minimum is 220px wide */
.pub-brand { display: flex; align-items: center; text-decoration: none; margin-right: auto; padding: 8px 0; }
.pub-brand img { height: 70px; width: auto; }

/* Trademark mark beside the logo: placed outside the artwork, which must not be altered */
   (top right of "VETTED": 81% across and 12% down the horizontal logo image, over its transparent background) */
.tm-mark { font-size: 12px; font-weight: 600; line-height: 1; color: var(--navy); }
.pub-brand { position: relative; }
.pub-brand .tm-mark { position: absolute; left: 81%; top: 14px; }
.pub-footer-brand { position: relative; display: inline-block; margin-bottom: 14px; line-height: 0; }
.pub-footer-brand .pub-footer-logo { margin-bottom: 0; }
.pub-footer-brand .tm-mark { position: absolute; left: calc(16px + 81% - 26px); top: 21px; color: var(--navy); }

.pub-nav { display: flex; align-items: center; gap: 22px; }
.pub-nav a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: .95rem; }
.pub-nav a:hover, .pub-nav a.is-current { color: var(--navy); }
.pub-nav a.is-current { box-shadow: inset 0 -2px 0 var(--green); }
.pub-nav a.pub-btn { color: #fff; }

.pub-menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.pub-menu-bar { display: block; width: 24px; height: 2px; margin: 5px 0; background: var(--navy-dark); }

/* ----- Buttons ----- */

.pub-btn {
    display: inline-block;
    padding: 13px 26px;
    border-radius: 8px;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    border: 2px solid transparent;
    cursor: pointer;
    font-family: inherit;
    transition: background .15s, border-color .15s, color .15s;
}

.pub-btn-primary { background: var(--green); color: #fff; }
.pub-btn-primary:hover { background: #006e42; }
.pub-btn-outline { border-color: rgba(255, 255, 255, .6); color: #fff; }
.pub-btn-outline:hover { border-color: #fff; background: rgba(255, 255, 255, .08); }
.pub-btn-navy { background: var(--navy); color: #fff; }
.pub-btn-navy:hover { background: var(--navy-hover); }
.pub-btn-sm { padding: 9px 16px; font-size: .9rem; }
.pub-btn:focus-visible, .pub-nav a:focus-visible { outline: 3px solid rgba(0, 135, 81, .45); outline-offset: 2px; }

.pub-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* ----- Sections ----- */

.pub-section { padding: 88px 0; }
.pub-section-soft { background: var(--bg-soft); }
.pub-section-dark { background: var(--navy-dark); color: #dbe6f0; }
.pub-section-dark h2, .pub-section-dark h3 { color: #fff; }

.pub-eyebrow {
    display: inline-block;
    font-size: .8rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--green);
    margin-bottom: 12px;
}

.pub-section-dark .pub-eyebrow, .pub-hero .pub-eyebrow { color: var(--green-bright); }

.pub-section-head { max-width: 720px; margin: 0 0 48px; }
.pub-section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.pub-section-head h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); }
.pub-section-head p { color: var(--muted); font-size: 1.1rem; }
.pub-section-dark .pub-section-head p { color: #b8c9d9; }

/* ----- Hero ----- */

.pub-hero {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(ellipse at 85% 20%, rgba(0, 135, 81, .28) 0%, transparent 55%),
        radial-gradient(ellipse at 10% 90%, rgba(0, 63, 135, .55) 0%, transparent 60%),
        var(--navy-deep);
    color: #dbe6f0;
    padding: 96px 0 104px;
}

/* Faint grid behind the hero */
.pub-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, .04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, .04) 1px, transparent 1px);
    background-size: 48px 48px;
    pointer-events: none;
}

.pub-hero-grid { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }

.pub-hero h1 { color: #fff; font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -.01em; margin-bottom: 20px; }
.pub-hero h1 em { font-style: normal; color: var(--green-bright); }
.pub-hero-lead { font-size: 1.2rem; color: #c3d3e2; max-width: 560px; }
.pub-hero-lead strong { color: #fff; }

/* Home hero: the three "Discover / Uncover / Make" lines, then the closing line */
.pub-hero-points { list-style: none; padding: 0; margin: 0 0 18px; color: #dbe6f0; font-weight: 600; }
.pub-hero-points li { position: relative; padding-left: 26px; margin-bottom: 6px; }
.pub-hero-points li::before { content: ""; position: absolute; left: 0; top: .72em; width: 14px; height: 3px; border-radius: 2px; background: var(--green-bright); }
.pub-hero-close { font-family: var(--brand-font); font-style: italic; font-size: 1.15rem; color: var(--green-bright); margin: 0; }

.pub-hero-proof { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 32px; font-size: .92rem; color: #9fb5c9; }
.pub-hero-proof span::before { content: "\2713"; color: var(--green-bright); font-weight: 700; margin-right: 8px; }

.pub-page-hero { padding: 72px 0 64px; }
.pub-page-hero h1 { font-size: clamp(2rem, 4.2vw, 3rem); }

/* Sample fraud-check panel in the hero: shows the product, not a stock photo */
.pub-checkcard {
    background: #fff;
    color: var(--ink);
    border-radius: var(--radius);
    box-shadow: 0 30px 60px rgba(0, 0, 0, .35);
    overflow: hidden;
    font-size: .92rem;
}

.pub-checkcard-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.pub-checkcard-head strong { display: block; color: var(--navy-dark); font-size: 1rem; }
.pub-checkcard-head small { color: var(--muted); }

.pub-score { text-align: center; line-height: 1.1; }
.pub-score b { display: block; font-size: 1.6rem; color: var(--alert); }
.pub-score small { font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }

.pub-checklist { list-style: none; margin: 0; padding: 6px 0; }
.pub-checklist li { display: flex; align-items: flex-start; gap: 12px; padding: 9px 20px; }
.pub-checklist li + li { border-top: 1px solid #f0f2f5; }
.pub-checklist .what { flex: 1; }
.pub-checklist .what small { display: block; color: var(--muted); font-size: .82rem; }

.pub-tag { flex: none; font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; padding: 3px 9px; border-radius: 999px; }
.pub-tag.pass { background: var(--pass-bg); color: var(--pass); }
.pub-tag.warn { background: var(--warn-bg); color: var(--warn); }
.pub-tag.alert { background: var(--alert-bg); color: var(--alert); }

.pub-checkcard-foot { padding: 12px 20px; background: var(--alert-bg); color: var(--alert); font-weight: 600; font-size: .85rem; }

.pub-sample-note { margin-top: 10px; font-size: .78rem; color: #8aa1b6; text-align: center; }

/* ----- Three benefits band (Faster Decisions / More Information / Greater Protection) ----- */

.pub-benefits { padding: 56px 0; border-bottom: 1px solid var(--line); }
.pub-benefits-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; }
.pub-benefit { display: flex; align-items: center; gap: 20px; }
.pub-benefit img { flex: none; width: 84px; height: 64px; object-fit: contain; }
.pub-benefit-text { border-left: 3px solid var(--green-bright); padding-left: 18px; }
.pub-benefit h2 { font-size: 1.3rem; font-weight: 800; color: var(--navy); margin: 0 0 4px; }
.pub-benefit p { margin: 0; color: var(--muted); font-size: .95rem; line-height: 1.5; }

/* Pull line ("I didn't even know you could check that!") */
.pub-pull, .pub-section-head .pub-pull {
    font-family: var(--brand-font);
    font-weight: 700;
    font-size: clamp(1.4rem, 2.6vw, 1.9rem);
    color: var(--navy);
    line-height: 1.3;
    margin: 0 0 14px;
}

/* ----- Cards and grids ----- */

.pub-grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.pub-grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.pub-grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }

.pub-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.pub-card h3 { font-size: 1.15rem; }
.pub-card p:last-child { margin-bottom: 0; }
.pub-card p { color: var(--muted); }
.pub-section-dark .pub-card { background: rgba(255, 255, 255, .04); border-color: rgba(255, 255, 255, .12); }
.pub-section-dark .pub-card p { color: #b8c9d9; }

.pub-icon {
    width: 48px;
    height: 48px;
    border-radius: 10px;
    background: var(--green-light);
    color: var(--green);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
}

.pub-icon svg { width: 26px; height: 26px; }
.pub-section-dark .pub-icon { background: rgba(30, 181, 58, .16); color: var(--green-bright); }

.pub-card-feature { border-top: 4px solid var(--green); }

/* Numbered steps */
.pub-steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.pub-steps > li { counter-increment: step; position: relative; padding-left: 64px; }
.pub-steps > li::before {
    content: counter(step);
    position: absolute;
    left: 0;
    top: 0;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--navy);
    color: #fff;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}
.pub-steps h3 { font-size: 1.1rem; margin-bottom: 6px; }
.pub-steps p { color: var(--muted); }

/* Ticks list */
.pub-ticks { list-style: none; padding: 0; margin: 0 0 1em; }
.pub-ticks li { position: relative; padding-left: 30px; margin-bottom: 10px; }
.pub-ticks li::before { content: "\2713"; position: absolute; left: 0; top: 0; color: var(--green); font-weight: 800; }

/* Comparison table */
.pub-compare-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.pub-compare { width: 100%; border-collapse: collapse; min-width: 560px; }
.pub-compare th, .pub-compare td { padding: 15px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.pub-compare thead th { background: var(--navy-dark); color: #fff; font-size: .92rem; }
.pub-compare thead th.ours { background: var(--green); }
.pub-compare tbody tr:last-child td, .pub-compare tbody tr:last-child th { border-bottom: 0; }
.pub-compare tbody th { font-weight: 600; }
.pub-compare td { width: 24%; text-align: center; }
.pub-compare .yes { color: var(--pass); font-weight: 700; }
.pub-compare .no { color: var(--muted); }

/* Partner band (United TranzActions) */
.pub-partner { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.pub-partner-mark {
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 36px;
    text-align: center;
    background: #fff;
}
.pub-partner-mark .plus { display: block; margin: 10px 0; color: var(--muted); font-size: 1.4rem; }
.pub-partner-mark strong { display: block; font-size: 1.3rem; color: var(--navy-dark); }
.pub-partner-mark small { color: var(--muted); }

/* Call to action band */
.pub-cta { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-dark) 100%); color: #dbe6f0; padding: 72px 0; text-align: center; }
.pub-cta h2 { color: #fff; font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
.pub-cta p { color: #c3d3e2; max-width: 620px; margin: 0 auto; font-size: 1.1rem; }
.pub-cta .pub-actions { justify-content: center; }

/* Facts list (about page) */
.pub-facts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; text-align: center; }
.pub-facts b { display: block; font-size: 2.4rem; color: var(--navy); line-height: 1.1; }
.pub-facts span { color: var(--muted); }

/* Privacy note */
.pub-note { border-left: 4px solid var(--navy); background: var(--bg-soft); padding: 18px 22px; border-radius: 0 8px 8px 0; }
.pub-note p:last-child { margin-bottom: 0; }

/* ----- Contact form ----- */

.pub-form .fg { margin-bottom: 18px; }
.pub-form label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 6px; }
.pub-form .req { color: var(--alert); }
.pub-form input[type=text], .pub-form input[type=email], .pub-form input[type=tel], .pub-form select, .pub-form textarea {
    width: 100%;
    font: inherit;
    font-size: 1rem;
    padding: 11px 13px;
    border: 1px solid #c9d1db;
    border-radius: 8px;
    background: #fff;
    color: var(--ink);
}
.pub-form textarea { min-height: 120px; resize: vertical; }
.pub-form input:focus, .pub-form select:focus, .pub-form textarea:focus {
    outline: none;
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(0, 63, 135, .18);
}
.pub-form .field-error { display: block; color: var(--alert); font-size: .85rem; margin-top: 4px; }
.pub-form .pub-btn { border: 0; }
.pub-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.pub-hp { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }

.pub-alert { border-radius: 8px; padding: 14px 18px; margin-bottom: 20px; }
.pub-alert-ok { background: var(--pass-bg); color: var(--pass); border: 1px solid #a6e3c3; }
.pub-alert-error { background: var(--alert-bg); color: var(--alert); border: 1px solid #fecdca; }

.pub-contact-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: 56px; align-items: start; }
.pub-contact-side h3 { font-size: 1.05rem; margin-top: 24px; }
.pub-contact-side h3:first-child { margin-top: 0; }

/* ----- Footer ----- */

.pub-footer { background: var(--navy-deep); color: #9fb5c9; padding: 64px 0 0; font-size: .92rem; }
.pub-footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; }
.pub-footer h2 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 14px; }
.pub-footer a { display: block; color: #c3d3e2; text-decoration: none; margin-bottom: 8px; }
.pub-footer a:hover { color: #fff; text-decoration: underline; }
/* Full-colour logo on a white panel: the brand guide doesn't allow it on a low-contrast background */
.pub-footer-logo { background: #fff; padding: 12px 16px; border-radius: 8px; height: 94px; width: auto; margin-bottom: 14px; }
.pub-footer-base { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 48px; padding-top: 20px; padding-bottom: 28px; font-size: .82rem; }

/* ----- Small screens ----- */

@media (max-width: 960px) {
    .pub-hero-grid, .pub-partner { grid-template-columns: minmax(0, 1fr); gap: 40px; }
    .pub-grid-3, .pub-grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .pub-benefits-grid { grid-template-columns: minmax(0, 1fr); gap: 22px; max-width: 520px; margin: 0 auto; }
    .pub-footer-grid { grid-template-columns: 1fr 1fr; }

    .pub-menu-toggle { display: block; }
    .pub-nav {
        display: none;
        position: absolute;
        top: 88px;
        left: 0;
        right: 0;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        background: #fff;
        border-bottom: 1px solid var(--line);
        box-shadow: 0 12px 24px rgba(2, 40, 58, .1);
        padding: 8px 20px 20px;
    }
    .pub-nav.is-open { display: flex; }
    .pub-nav a { padding: 12px 0; border-bottom: 1px solid #f0f2f5; }
    .pub-nav a.is-current { box-shadow: none; color: var(--green); }
    .pub-nav a.pub-btn { margin-top: 14px; text-align: center; border-bottom: 0; padding: 12px; }
}

@media (max-width: 640px) {
    body { font-size: 16px; }
    .pub-wrap { padding: 0 16px; }
    .pub-section { padding: 60px 0; }
    .pub-hero { padding: 64px 0 72px; }
    .pub-grid-2, .pub-grid-3, .pub-grid-4, .pub-facts, .pub-form-row { grid-template-columns: 1fr; }
    .pub-contact-grid { grid-template-columns: minmax(0, 1fr); gap: 40px; }
    .pub-header-inner { min-height: 76px; }
    .pub-nav { top: 76px; }
    .pub-brand img { height: 62px; }   /* 212px wide: just under the guide's 220px, the most a 320px phone allows beside the menu button */
    .pub-footer-grid { grid-template-columns: 1fr; }
    .pub-card { padding: 22px; }
    .pub-btn { width: 100%; text-align: center; }
    .pub-nav a.pub-btn { width: auto; }
}