/* Credit Ratings Specific Styles */
.credit-hero {
    padding: 180px 0 80px;
    background: linear-gradient(135deg, rgba(67, 97, 238, 0.05) 0%, rgba(255, 255, 255, 0) 100%);
    position: relative;
    overflow: hidden;
}

.credit-hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?ixlib=rb-4.0.3&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D&auto=format&fit=crop&w=2070&q=80') center/cover;
    opacity: 0.05;
    z-index: -1;
}

.credit-hero .container {
    display: flex;
    align-items: center;
    gap: 50px;
}

.credit-hero .hero-content {
    flex: 1;
}

.credit-hero .hero-content h1 {
    margin-bottom: 20px;
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    line-height: 1.2;
}

.credit-hero .hero-content h1 span {
    color: var(--primary-color);
    position: relative;
    display: inline-block;
}

.credit-hero .hero-content h1 span::after {
    content: '';
    position: absolute;
    bottom: 5px;
    left: 0;
    width: 100%;
    height: 10px;
    background-color: rgba(67, 97, 238, 0.2);
    z-index: -1;
    transition: var(--transition);
}

.credit-hero .hero-content:hover h1 span::after {
    height: 15px;
}

.credit-hero .hero-subtitle {
    font-size: 1.2rem;
    margin-bottom: 30px;
    color: var(--gray-color);
    max-width: 600px;
}

.credit-hero .hero-image {
    flex: 1;
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: var(--box-shadow);
    transform: perspective(1000px) rotateY(-15deg);
    transition: var(--transition);
}

.credit-hero .hero-image:hover {
    transform: perspective(1000px) rotateY(0deg);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.2);
}

.credit-hero .hero-image img {
    transition: var(--transition);
    width: 100%;
    height: auto;
    display: block;
}

.credit-hero .hero-image:hover img {
    transform: scale(1.05);
}

/* Ratings Section */
.ratings-section {
    padding: 100px 0;
    background-color: white;
}

.ratings-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-top: 50px;
}

.rating-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 30px;
    box-shadow: var(--box-shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    border-top: 5px solid var(--primary-color);
}

.rating-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
}

.rating-number {
    position: absolute;
    top: 20px;
    right: 20px;
    font-size: 3rem;
    font-weight: 700;
    color: rgba(67, 97, 238, 0.1);
    z-index: 0;
    transition: var(--transition);
}

.rating-card:hover .rating-number {
    color: rgba(67, 97, 238, 0.2);
    transform: scale(1.2);
}

.rating-content {
    position: relative;
    z-index: 1;
}

.rating-content h3 {
    margin-bottom: 15px;
    color: var(--primary-color);
    font-size: 1.5rem;
}

.rating-content p {
    color: var(--gray-color);
    line-height: 1.6;
    margin-bottom: 20px;
}

.rating-icon {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-top: 20px;
    transition: var(--transition);
}

.rating-card:hover .rating-icon {
    transform: scale(1.2);
}

.ratings-note {
    text-align: center;
    margin-top: 50px;
    font-size: 1.1rem;
    color: var(--gray-color);
    font-style: italic;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

/* Methodology Section */
.methodology-section {
    padding: 100px 0;
    background-color: #f5f7ff;
}

.methodology-content {
    display: flex;
    gap: 50px;
    margin-top: 50px;
}

.methodology-text {
    flex: 1;
}

.methodology-point {
    display: flex;
    gap: 20px;
    margin-bottom: 30px;
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    box-shadow: var(--box-shadow);
    transition: var(--transition);
}

.methodology-point:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.1);
}

.point-number {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
    min-width: 50px;
}

.point-content h3 {
    margin-bottom: 10px;
    color: var(--dark-color);
}

.point-content p {
    color: var(--gray-color);
    line-height: 1.6;
}

.methodology-image {
    flex: 1;
    border-radius: var(--border-radius);
    overflow: hidden;
    position: relative;
    box-shadow: var(--box-shadow);
}

.methodology-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition);
}

.methodology-image:hover img {
    transform: scale(1.05);
}

.image-overlay {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    padding: 30px;
    background: linear-gradient(to top, rgba(0,0,0,0.8), transparent);
    color: white;
}

.image-overlay h3 {
    margin-bottom: 10px;
}

.image-overlay p {
    margin-bottom: 15px;
    opacity: 0.9;
}

/* Latest Ratings Section */
.latest-ratings {
    padding: 100px 0;
    background-color: white;
}

.ratings-timeline {
    max-width: 800px;
    margin: 50px auto 0;
    position: relative;
}

.ratings-timeline::before {
    content: '';
    position: absolute;
    top: 0;
    left: 50px;
    width: 2px;
    height: 100%;
    background: linear-gradient(to bottom, var(--primary-color), var(--accent-color));
}

.timeline-item {
    display: flex;
    gap: 30px;
    margin-bottom: 40px;
    position: relative;
    padding-left: 80px;
}

.timeline-date {
    width: 120px;
    font-weight: 600;
    color: var(--primary-color);
}

.timeline-content {
    flex: 1;
    background: white;
    border-radius: var(--border-radius);
    padding: 25px;
    box-shadow: var(--box-shadow);
    transition: var(--transition);
    position: relative;
}

.timeline-content::before {
    content: '';
    position: absolute;
    top: 20px;
    left: -10px;
    width: 20px;
    height: 20px;
    background: var(--primary-color);
    transform: rotate(45deg);
    z-index: -1;
}

.timeline-item:hover .timeline-content {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.1);
}

.timeline-content h3 {
    margin-bottom: 10px;
}

.timeline-content p {
    color: var(--gray-color);
    line-height: 1.6;
    margin-bottom: 15px;
}

.timeline-rating {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 5px 10px;
    border-radius: 20px;
    font-weight: 600;
    font-size: 0.9rem;
}

.timeline-rating.positive {
    background-color: rgba(75, 181, 67, 0.1);
    color: var(--success-color);
}

.timeline-rating.negative {
    background-color: rgba(255, 51, 51, 0.1);
    color: var(--error-color);
}

.view-all {
    text-align: center;
    margin-top: 50px;
}

/* Benefits Section */
.benefits-section {
    padding: 100px 0;
    background-color: #f5f7ff;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-top: 50px;
}

.benefit-card {
    background: white;
    border-radius: var(--border-radius);
    padding: 40px 30px;
    box-shadow: var(--box-shadow);
    text-align: center;
    transition: var(--transition);
}

.benefit-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
}

.benefit-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    background: rgba(67, 97, 238, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: var(--primary-color);
    transition: var(--transition);
}

.benefit-card:hover .benefit-icon {
    background: var(--primary-color);
    color: white;
    transform: rotate(15deg) scale(1.1);
}

.benefit-card h3 {
    margin-bottom: 15px;
}

.benefit-card p {
    color: var(--gray-color);
    line-height: 1.6;
}

/* Responsive Styles */
@media (max-width: 992px) {
    .credit-hero .container,
    .methodology-content {
        flex-direction: column;
    }
    
    .credit-hero .hero-content,
    .methodology-text {
        margin-bottom: 50px;
    }
    
    .methodology-image {
        height: 400px;
    }
}

@media (max-width: 768px) {
    .ratings-grid {
        grid-template-columns: 1fr;
    }
    
    .timeline-item {
        flex-direction: column;
        padding-left: 60px;
    }
    
    .timeline-date {
        width: auto;
        margin-bottom: 10px;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 576px) {
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .timeline-content::before {
        display: none;
    }
    
    .ratings-timeline::before {
        left: 30px;
    }
    
    .timeline-item {
        padding-left: 50px;
    }
}