:root{--ccotu-primary:#071e45;--ccotu-accent:#09b8a6;--ccotu-highlight:#f59e0b;--ccotu-blue:#146ef5;--ccotu-success:#16a34a;--ccotu-bg:#f5f8fc;--ccotu-text:#172033;--ccotu-muted:#64748b;--ccotu-line:#dbe5ef;--ccotu-white:#fff;--ccotu-shadow:0 20px 55px rgba(7,30,69,.09);--ccotu-radius:22px;--ccotu-font:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif}
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.ccotu-contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.ccotu-contact-card{border:1px solid #dfe7ef;border-radius:20px;padding:26px;text-align:center}.ccotu-contact-icon{width:52px;height:52px;border-radius:15px;background:#edf5ff;color:var(--ccotu-blue);display:grid;place-items:center;margin:0 auto}.ccotu-contact-icon-wa{background:#eaf9ee;color:#16a34a}.ccotu-contact-card h2{color:var(--ccotu-primary);margin:14px 0 7px}.ccotu-contact-card p{color:var(--ccotu-muted);font-size:13px;min-height:45px}.ccotu-legal{padding-top:10px}.ccotu-final-cta{padding:50px 0;background:linear-gradient(135deg,#071e45,#0c3565);color:#fff}.ccotu-final-grid{display:flex;justify-content:space-between;align-items:center;gap:30px}.ccotu-final-grid h2{font-size:32px;line-height:1.15;margin:0 0 8px}.ccotu-final-grid p:not(.ccotu-eyebrow){margin:0;color:#c7d8e8}.ccotu-final-actions{display:flex;flex-wrap:wrap;gap:8px;justify-content:flex-end}
.ccotu-footer{background:#06162d;color:#d0dbe7}.ccotu-footer-grid{padding:56px 0;display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:38px}.ccotu-footer img{width:205px;filter:brightness(0) invert(1);opacity:.98}.ccotu-footer p{font-size:13px;color:#9eb0c3;max-width:290px}.ccotu-footer h3{font-size:13px;color:#fff;margin:0 0 13px}.ccotu-footer a{display:block;text-decoration:none;color:#aebfd0;font-size:12px;padding:4px 0}.ccotu-footer a:hover{color:#fff}.ccotu-disclaimer{border-top:1px solid rgba(255,255,255,.1);font-size:10px;line-height:1.6;color:#8296aa;padding:15px 0}.ccotu-mobile-bar{display:none}
.ccotu-modal[hidden]{display:none!important}.ccotu-modal{position:fixed;z-index:5000;inset:0;display:grid;place-items:center;padding:20px}.ccotu-modal-backdrop{position:absolute;inset:0;background:rgba(3,15,31,.68);backdrop-filter:blur(5px)}.ccotu-modal-dialog{position:relative;width:min(560px,100%);max-height:calc(100vh - 40px);overflow:auto;background:#fff;border-radius:24px;padding:27px;box-shadow:0 30px 100px rgba(0,0,0,.28)}.ccotu-modal-close{position:absolute;right:15px;top:12px;border:0;background:#eef2f6;color:#53677b;width:34px;height:34px;border-radius:50%;cursor:pointer;font-size:22px}.ccotu-modal-top{display:flex;align-items:center;gap:13px;padding-right:30px}.ccotu-modal-icon{display:grid;place-items:center;width:45px;height:45px;border-radius:14px;background:#eaf9ee;color:#16a34a}.ccotu-modal-top h2{font-size:24px;color:var(--ccotu-primary);margin:0}.ccotu-wa-progress{display:flex;align-items:center;margin:22px 0}.ccotu-wa-progress span{display:flex;align-items:center;gap:5px;font-size:11px;font-weight:900;color:#8a99a7}.ccotu-wa-progress small{font-size:9px;font-weight:800}.ccotu-wa-progress span.is-active{color:var(--ccotu-blue)}.ccotu-wa-progress i{flex:1;height:2px;background:#e0e8ef;margin:0 8px}.ccotu-wa-step[hidden]{display:none}.ccotu-wa-step label:not(.ccotu-consent){display:block;font-size:12px;color:#394e62;font-weight:850;margin:13px 0 6px}.ccotu-wa-step select,.ccotu-wa-step input[type=text]{width:100%;height:50px;border:1px solid #d5e1eb;border-radius:12px;padding:0 13px;outline:0;background:#fff}.ccotu-wa-step select:focus,.ccotu-wa-step input:focus{border-color:#78b6fb;box-shadow:0 0 0 3px rgba(20,110,245,.08)}.ccotu-wa-step>.ccotu-btn{margin-top:16px}.ccotu-consent{display:flex!important;gap:9px;align-items:flex-start;margin:15px 0!important;font-size:11px!important;font-weight:500!important;color:#65788b!important}.ccotu-consent input{margin-top:3px}.ccotu-consent a{color:var(--ccotu-blue)}.ccotu-data-note{display:flex;gap:8px;background:#f4f8fb;border-radius:11px;padding:11px;color:#64778a;font-size:10px}.ccotu-data-note svg{color:var(--ccotu-accent);flex:0 0 18px}.ccotu-wa-review{background:#f7fafc;border:1px solid #e0e8ef;border-radius:16px;padding:18px}.ccotu-wa-review h3{color:var(--ccotu-primary);margin:0 0 13px}.ccotu-wa-review dl{margin:0;display:grid;gap:8px}.ccotu-wa-review dl div{display:grid;grid-template-columns:95px 1fr;gap:10px;padding-bottom:7px;border-bottom:1px solid #e6edf3}.ccotu-wa-review dt{font-size:10px;text-transform:uppercase;font-weight:900;color:#8192a2}.ccotu-wa-review dd{margin:0;color:var(--ccotu-primary);font-size:12px;font-weight:800}.ccotu-wa-review>p:last-child{font-size:11px;color:var(--ccotu-muted);margin-bottom:0}.ccotu-modal-open{overflow:hidden}
@media(max-width:1050px){.ccotu-header-actions{display:none}.ccotu-menu-toggle{display:flex;margin-left:auto}.ccotu-nav{position:absolute;top:100%;left:20px;right:20px;display:none;flex-direction:column;align-items:stretch;background:#fff;border:1px solid var(--ccotu-line);box-shadow:var(--ccotu-shadow);padding:10px;border-radius:15px}.ccotu-nav.is-open{display:flex}.ccotu-nav a{padding:12px}.ccotu-hero-grid{grid-template-columns:1fr .9fr;gap:28px}.ccotu-task-grid{grid-template-columns:repeat(2,1fr)}.ccotu-topic-grid{grid-template-columns:repeat(3,1fr)}.ccotu-guide-grid{grid-template-columns:repeat(2,1fr)}.ccotu-content-shell{grid-template-columns:1fr 310px}.ccotu-article-layout{grid-template-columns:1fr 280px}.ccotu-glossary-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.ccotu-container{width:min(100% - 28px,1180px)}.ccotu-topbar .ccotu-container span:last-child{display:none}.ccotu-navrow{min-height:68px}.ccotu-brand{min-width:0}.ccotu-brand img{width:185px}.ccotu-hero,.ccotu-page-hero{padding:54px 0 45px}.ccotu-hero-grid{grid-template-columns:1fr}.ccotu-home-hero .ccotu-hero-copy{text-align:center}.ccotu-home-hero .ccotu-lead{margin-inline:auto}.ccotu-home-hero .ccotu-hero-actions,.ccotu-home-hero .ccotu-benefit-row{justify-content:center}.ccotu-hero-card{max-width:620px;width:100%;margin-inline:auto}.ccotu-trust-grid{grid-template-columns:1fr}.ccotu-trust-grid>div{border-right:0;border-bottom:1px solid #e8eef4;padding:16px 6px}.ccotu-trust-grid>div:last-child{border-bottom:0}.ccotu-assistant-layout,.ccotu-assistant-page-shell,.ccotu-split,.ccotu-content-shell,.ccotu-article-layout{grid-template-columns:1fr}.ccotu-sticky-callout,.ccotu-toc{position:relative;top:auto}.ccotu-article-aside{display:grid;grid-template-columns:1fr 1fr;gap:12px}.ccotu-toc{grid-column:1/-1}.ccotu-topic-grid{grid-template-columns:repeat(2,1fr)}.ccotu-library-stats{grid-template-columns:1fr 1fr}.ccotu-library-stats>div:last-child{grid-column:1/-1}.ccotu-guide-tools{grid-template-columns:1fr}.ccotu-support-grid,.ccotu-contact-grid{grid-template-columns:1fr}.ccotu-final-grid{display:block}.ccotu-final-actions{justify-content:flex-start;margin-top:20px}.ccotu-footer-grid{grid-template-columns:1fr 1fr}.ccotu-mobile-bar{position:fixed;display:grid;grid-template-columns:1.05fr .9fr .95fr;left:10px;right:10px;bottom:10px;z-index:2000;background:#fff;border:1px solid #dbe5ee;border-radius:17px;padding:7px;box-shadow:0 16px 50px rgba(7,30,69,.2)}.ccotu-mobile-bar .ccotu-btn,.ccotu-mobile-assistant{min-height:46px;padding:8px 6px;border-radius:11px;font-size:11px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;text-decoration:none;font-weight:850}.ccotu-mobile-assistant{background:#eaf2ff;color:var(--ccotu-blue)}.ccotu-mobile-bar .ccotu-btn svg,.ccotu-mobile-assistant svg{font-size:17px}.ccotu-body{padding-bottom:78px}}
@media(max-width:580px){.ccotu-section{padding:54px 0}.ccotu-hero-copy h1{font-size:42px}.ccotu-page-hero .ccotu-hero-copy h1{font-size:38px}.ccotu-lead{font-size:16px}.ccotu-hero-actions{display:grid;grid-template-columns:1fr 1fr}.ccotu-hero-actions .ccotu-btn-primary{grid-column:1/-1}.ccotu-benefit-row{gap:8px 13px;font-size:11px}.ccotu-task-grid,.ccotu-guide-grid,.ccotu-topic-grid,.ccotu-glossary-grid{grid-template-columns:1fr}.ccotu-task-grid>a{min-height:0}.ccotu-choice-grid{grid-template-columns:1fr}.ccotu-assistant{padding:20px;border-radius:20px}.ccotu-assistant-head h2{font-size:21px}.ccotu-assistant-actions{display:grid}.ccotu-assistant-actions .ccotu-btn{width:100%}.ccotu-article-hero h1{font-size:39px}.ccotu-article-deck{font-size:16px}.ccotu-article-aside{grid-template-columns:1fr}.ccotu-toc{grid-column:auto}.ccotu-library-stats{grid-template-columns:1fr}.ccotu-library-stats>div:last-child{grid-column:auto}.ccotu-footer-grid{grid-template-columns:1fr}.ccotu-footer-brand{padding-bottom:14px;border-bottom:1px solid rgba(255,255,255,.08)}.ccotu-final-actions{display:grid}.ccotu-modal{padding:10px}.ccotu-modal-dialog{padding:22px 18px;border-radius:20px}.ccotu-wa-progress small{display:none}}

/* CreditHelp.co.ke v2.1 — app-like visitor experience */
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.ccotu-site{background:#fff}
.ccotu-topbar-ready i{width:7px;height:7px;border-radius:50%;background:#35d07f;box-shadow:0 0 0 4px rgba(53,208,127,.13)}
.ccotu-header{box-shadow:0 1px 0 rgba(7,30,69,.03);transition:box-shadow .2s ease,background .2s ease}
.ccotu-navrow{min-height:74px}
.ccotu-nav{background:rgba(247,250,253,.86);padding:4px;border:1px solid rgba(219,229,239,.8);border-radius:14px}
.ccotu-nav a{padding:9px 12px;border-radius:10px}
.ccotu-nav a:hover,.ccotu-nav a[aria-current=page]{box-shadow:0 3px 10px rgba(20,110,245,.08)}
.ccotu-btn{border-radius:14px;min-height:47px;letter-spacing:-.01em}
.ccotu-btn:active,.ccotu-task-grid>a:active,.ccotu-choice-grid button:active,.ccotu-guide-card:active{transform:scale(.985)}
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.ccotu-home-hero .ccotu-hero-grid{gap:40px}
.ccotu-home-hero .ccotu-hero-copy{padding:10px 0}
.ccotu-home-hero .ccotu-hero-copy h1{max-width:720px}
.ccotu-benefit-row span{background:rgba(255,255,255,.7);border:1px solid rgba(215,226,237,.86);border-radius:999px;padding:7px 10px;backdrop-filter:blur(8px)}
.ccotu-hero-card{border-radius:30px;box-shadow:0 24px 70px rgba(7,30,69,.12)}
.ccotu-trust-strip{background:#fbfcfe}
.ccotu-trust-grid{gap:10px;padding:10px 0}
.ccotu-trust-grid>div{border:0!important;background:#fff;border-radius:16px;padding:14px 16px;box-shadow:0 2px 10px rgba(7,30,69,.035)}
.ccotu-task-section{background:#f8fafc}
.ccotu-task-grid{gap:14px}
.ccotu-task-grid>a{border-radius:24px;min-height:176px;padding:22px;background:linear-gradient(180deg,#fff,#fbfdff);box-shadow:0 4px 14px rgba(7,30,69,.035)}
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.ccotu-task-grid>a:hover:after{background:var(--ccotu-blue);color:#fff;transform:translateX(2px)}
.ccotu-task-grid h3{margin-top:22px;font-size:19px}
.ccotu-task-grid p{font-size:13px;line-height:1.55;padding-right:12px}
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.ccotu-assistant{border-radius:28px;padding:25px;box-shadow:0 26px 80px rgba(1,12,31,.18)}
.ccotu-assistant-compact{background:rgba(255,255,255,.94);backdrop-filter:blur(16px)}
.ccotu-assistant-progress{margin:20px 0 18px}
.ccotu-assistant-progress span{width:30px;height:30px;border:4px solid #f1f5f9}
.ccotu-assistant-progress span.is-active{border-color:#dceaff;box-shadow:0 0 0 3px rgba(20,110,245,.07)}
.ccotu-choice-grid button{position:relative;padding:16px 40px 16px 16px;border-radius:17px;background:#fbfdff;box-shadow:0 2px 8px rgba(7,30,69,.025)}
.ccotu-choice-grid button:after{content:"›";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:24px;line-height:1;color:#9aabba}
.ccotu-choice-grid button:hover:after{color:var(--ccotu-blue)}
.ccotu-guide-card{border-radius:22px;box-shadow:0 3px 14px rgba(7,30,69,.035);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.ccotu-guide-card:hover{box-shadow:0 15px 35px rgba(7,30,69,.09)}
.ccotu-guide-card strong{display:inline-flex;align-items:center;gap:5px}
.ccotu-guide-search,.ccotu-guide-select,.ccotu-glossary-tools label{border-radius:17px;box-shadow:0 3px 12px rgba(7,30,69,.035)}
.ccotu-contact-card{border-radius:24px;background:linear-gradient(180deg,#fff,#fbfdff);box-shadow:0 5px 18px rgba(7,30,69,.04)}
.ccotu-contact-icon{border-radius:17px}
.ccotu-final-cta{background:radial-gradient(circle at 80% 20%,rgba(9,184,166,.18),transparent 26%),linear-gradient(135deg,#071e45,#0b3261)}
.ccotu-modal-dialog{border-radius:28px;box-shadow:0 32px 110px rgba(0,0,0,.32)}
.ccotu-wa-step select,.ccotu-wa-step input[type=text]{height:54px;border-radius:15px;background:#fbfdff}
.ccotu-wa-review{border-radius:19px;background:#f7fafc}
.ccotu-data-note{border-radius:14px}
.ccotu-article-main>section,.ccotu-prose-section,.ccotu-key-points,.ccotu-quick-answer{scroll-margin-top:118px}

@media(max-width:1050px){
 .ccotu-nav{background:#fff;padding:10px}
}
@media(max-width:820px){
 .ccotu-body.credithelp-v3{background:#f4f7fb}
 .ccotu-site{background:#fff;border-radius:0}
 .ccotu-topbar{display:none}
 .ccotu-header{background:rgba(255,255,255,.93);backdrop-filter:blur(20px);border-bottom:1px solid rgba(219,229,239,.7)}
 .ccotu-navrow{min-height:64px}
 .ccotu-brand img{width:172px;max-height:42px}
 .ccotu-menu-toggle{border-radius:50%;width:42px;height:42px;padding:0;justify-content:center}
 .ccotu-menu-toggle span{display:none}
 .ccotu-nav{left:14px;right:14px;border-radius:20px;padding:9px;box-shadow:0 24px 60px rgba(7,30,69,.16)}
 .ccotu-nav a{padding:13px 14px;border-radius:13px}
 .ccotu-home-hero,.ccotu-hero,.ccotu-page-hero{padding-top:40px}
 .ccotu-home-hero .ccotu-hero-copy{text-align:left}
 .ccotu-home-hero .ccotu-lead{margin-inline:0}
 .ccotu-home-hero .ccotu-hero-actions,.ccotu-home-hero .ccotu-benefit-row{justify-content:flex-start}
 .ccotu-hero-copy h1,.ccotu-page-hero .ccotu-hero-copy h1{letter-spacing:-.045em}
 .ccotu-benefit-row{display:flex;overflow:auto;flex-wrap:nowrap;padding:2px 2px 8px;scrollbar-width:none;margin-right:-14px}
 .ccotu-benefit-row::-webkit-scrollbar{display:none}
 .ccotu-benefit-row span{flex:0 0 auto}
 .ccotu-trust-strip{border:0;background:#f8fafc;padding:10px 0}
 .ccotu-trust-grid{display:flex;overflow:auto;scroll-snap-type:x mandatory;gap:9px;padding:0 14px;margin-inline:-14px;scrollbar-width:none}
 .ccotu-trust-grid::-webkit-scrollbar{display:none}
 .ccotu-trust-grid>div{min-width:245px;scroll-snap-align:start}
 .ccotu-assistant-page-shell{gap:18px}
 .ccotu-article-aside{grid-template-columns:1fr}
 .ccotu-toc{grid-column:auto}
 .ccotu-footer{padding-bottom:8px}
 .ccotu-mobile-bar{position:fixed;display:grid;grid-template-columns:repeat(5,1fr);left:8px;right:8px;bottom:max(8px,env(safe-area-inset-bottom));z-index:2500;background:rgba(255,255,255,.96);border:1px solid rgba(207,219,231,.9);border-radius:22px;padding:7px 6px 6px;box-shadow:0 18px 55px rgba(7,30,69,.22);backdrop-filter:blur(20px)}
 .ccotu-mobile-tab{appearance:none;border:0;background:transparent;min-width:0;min-height:51px;padding:5px 2px;border-radius:14px;color:#708296;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;text-decoration:none;font-size:9.5px;font-weight:800;cursor:pointer;line-height:1.1}
 .ccotu-mobile-tab svg{font-size:20px}
 .ccotu-mobile-tab.is-active{color:var(--ccotu-blue);background:#eef5ff}
 .ccotu-mobile-assistant{position:relative;overflow:visible;color:var(--ccotu-primary)}
 .ccotu-mobile-assistant-icon{width:38px;height:38px;margin-top:-20px;border-radius:14px;background:linear-gradient(145deg,var(--ccotu-blue),#0d58ca);color:#fff;display:grid;place-items:center;box-shadow:0 9px 20px rgba(20,110,245,.28);border:3px solid #fff}
 .ccotu-mobile-assistant.is-active .ccotu-mobile-assistant-icon{background:linear-gradient(145deg,#09b8a6,#07877c)}
 .ccotu-mobile-assistant span:last-child{margin-top:1px}
 .ccotu-mobile-bar button.ccotu-mobile-tab{font-family:inherit}
 .ccotu-body{padding-bottom:86px}
 .ccotu-modal{place-items:end center;padding:0}
 .ccotu-modal-backdrop{background:rgba(3,15,31,.58)}
 .ccotu-modal-dialog{width:100%;max-height:min(88vh,760px);border-radius:28px 28px 0 0;padding:24px 18px calc(22px + env(safe-area-inset-bottom));animation:ccotuSheetIn .22s ease-out}
 .ccotu-modal-dialog:before{content:"";display:block;width:42px;height:5px;border-radius:999px;background:#d9e1e8;margin:-10px auto 16px}
 .ccotu-modal-close{top:15px;right:16px}
 @keyframes ccotuSheetIn{from{transform:translateY(24px);opacity:.7}to{transform:translateY(0);opacity:1}}
}
@media(max-width:580px){
 .ccotu-container{width:min(100% - 24px,1180px)}
 .ccotu-section{padding:48px 0}
 .ccotu-home-hero{padding:32px 0 36px}
 .ccotu-hero-copy h1{font-size:39px;line-height:1.02}
 .ccotu-page-hero .ccotu-hero-copy h1{font-size:35px}
 .ccotu-lead{font-size:15.5px;line-height:1.58}
 .ccotu-hero-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px}
 .ccotu-hero-actions .ccotu-btn{min-height:49px;padding-inline:10px}
 .ccotu-hero-actions .ccotu-btn-primary{grid-column:1/-1}
 .ccotu-hero-card{border-radius:24px}
 .ccotu-trust-grid{margin-inline:-12px;padding-inline:12px}
 .ccotu-section-head{text-align:left;margin-bottom:24px}
 .ccotu-section-head h2{font-size:30px}
 .ccotu-task-grid{grid-template-columns:repeat(2,1fr);gap:10px}
 .ccotu-task-grid>a{padding:16px;min-height:166px;border-radius:20px}
 .ccotu-task-grid>a>span{width:30px;height:30px}
 .ccotu-task-grid>a:after{right:13px;top:13px;width:27px;height:27px}
 .ccotu-task-grid h3{font-size:16px;margin:18px 0 7px}
 .ccotu-task-grid p{font-size:11.5px;line-height:1.45;padding-right:0}
 .ccotu-assistant{padding:18px;border-radius:22px}
 .ccotu-assistant-head h2{font-size:20px}
 .ccotu-assistant-icon{width:38px;height:38px;flex-basis:38px}
 .ccotu-choice-grid{grid-template-columns:1fr;gap:8px}
 .ccotu-choice-grid button{padding:14px 38px 14px 14px}
 .ccotu-guide-grid{grid-template-columns:1fr}
 .ccotu-guide-card{border-radius:19px}
 .ccotu-final-cta{padding:40px 0}
 .ccotu-final-grid h2{font-size:28px}
 .ccotu-mobile-bar{left:6px;right:6px;border-radius:20px}
 .ccotu-mobile-tab{font-size:9px}
 .ccotu-modal-top h2{font-size:21px}
}
.ccotu-header.is-scrolled{box-shadow:0 10px 35px rgba(7,30,69,.08);background:rgba(255,255,255,.97)}


/* CreditHelp.co.ke v3 — conversion, imagery and brand refinements */
:root{--ccotu-primary:#083e78;--ccotu-accent:#22c55e;--ccotu-highlight:#0ea5e9;--ccotu-blue:#0877d1;--ccotu-success:#16a34a;--ccotu-bg:#f4f8fc;--ccotu-text:#15283c;--ccotu-muted:#5d7287;--ccotu-line:#d7e3ee;--ccotu-shadow:0 24px 64px rgba(8,62,120,.11)}
.ccotu-body.credithelp-v3{background:#f7fafc}
.ccotu-site{background:#fff}
.ccotu-brand{min-width:236px}.ccotu-brand img{width:236px;max-height:58px;object-fit:contain;object-position:left center}
.ccotu-call-label{display:flex;align-items:flex-start;flex-direction:column;gap:0;line-height:1.08}.ccotu-call-label small{display:block;font-size:10px;font-weight:760;opacity:.72;white-space:nowrap;margin-top:2px}
.ccotu-header-actions .ccotu-btn-call{background:#edf6ff;border:1px solid #cfe4f7}.ccotu-header-actions .ccotu-btn-call:hover{background:#e4f1fc}
.ccotu-home-hero{padding:58px 0 48px;background:radial-gradient(circle at 76% 15%,rgba(34,197,94,.14),transparent 27%),radial-gradient(circle at 12% 90%,rgba(8,119,209,.1),transparent 30%),linear-gradient(145deg,#fbfdff,#f1f7fd 58%,#f5fff8)}
.ccotu-home-hero .ccotu-hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(390px,.98fr);gap:54px}.ccotu-home-hero .ccotu-hero-copy h1{font-size:clamp(44px,5.3vw,68px)}
.ccotu-hero-media{position:relative;min-width:0}.ccotu-hero-photo{position:relative;border-radius:34px;overflow:hidden;aspect-ratio:1/1;background:#e9f3fb;box-shadow:0 30px 80px rgba(8,62,120,.18);border:1px solid rgba(198,217,233,.9)}.ccotu-hero-photo:after{content:"";position:absolute;inset:auto 0 0;height:38%;background:linear-gradient(to top,rgba(4,35,68,.32),transparent);pointer-events:none}.ccotu-hero-photo img{width:100%;height:100%;display:block;object-fit:cover;object-position:center}
.ccotu-hero-proof{position:absolute;left:-28px;bottom:94px;width:min(340px,85%);display:flex;gap:12px;align-items:flex-start;padding:15px 17px;border-radius:18px;background:rgba(255,255,255,.94);border:1px solid rgba(208,224,237,.92);box-shadow:0 18px 45px rgba(7,38,73,.16);backdrop-filter:blur(16px)}.ccotu-hero-proof>span{flex:0 0 38px;width:38px;height:38px;border-radius:12px;background:#e9f9ef;color:#15803d;display:grid;place-items:center}.ccotu-hero-proof strong,.ccotu-hero-proof small{display:block}.ccotu-hero-proof strong{color:var(--ccotu-primary);font-size:14px}.ccotu-hero-proof small{font-size:11px;line-height:1.4;color:var(--ccotu-muted);margin-top:2px}
.ccotu-hero-mini{position:absolute;right:-20px;bottom:-18px;width:min(365px,88%);display:grid;grid-template-columns:1fr 1fr;gap:8px}.ccotu-hero-mini a{min-width:0;text-decoration:none;padding:14px;border-radius:16px;background:#083e78;color:#fff;box-shadow:0 13px 34px rgba(8,62,120,.2)}.ccotu-hero-mini a:last-child{background:#168a43}.ccotu-hero-mini b,.ccotu-hero-mini small{display:block}.ccotu-hero-mini b{font-size:12px;line-height:1.25}.ccotu-hero-mini small{font-size:9.5px;line-height:1.4;opacity:.82;margin-top:4px}
.ccotu-btn-primary{background:linear-gradient(135deg,#0877d1,#0757a0);box-shadow:0 12px 28px rgba(8,119,209,.21)}.ccotu-btn-wa{background:linear-gradient(135deg,#20b858,#168a43)}
.ccotu-benefit-row span{background:#fff;border-color:#d9e6f0;box-shadow:0 3px 12px rgba(8,62,120,.035)}
.ccotu-trust-grid>div>svg{color:#168a43}.ccotu-eyebrow{color:#168a43!important}
.ccotu-task-grid>a:hover{border-color:#9fd0f0}.ccotu-task-grid>a>span{background:#e9f5ff;color:#0877d1}.ccotu-task-grid>a:nth-child(2n)>span{background:#eaf9ef;color:#168a43}
.ccotu-assistant-section{background:radial-gradient(circle at 86% 6%,rgba(34,197,94,.2),transparent 25%),linear-gradient(155deg,#062d58,#083e78)}
.ccotu-about-grid{display:grid;grid-template-columns:minmax(300px,.85fr) minmax(0,1.15fr);gap:54px;align-items:start}.ccotu-about-photo{position:sticky;top:118px;border-radius:28px;overflow:hidden;background:#eaf2f8;box-shadow:0 24px 60px rgba(8,62,120,.14)}.ccotu-about-photo img{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover}
.ccotu-footer{background:#061f3a}.ccotu-footer-brand img{width:220px;max-height:64px;object-fit:contain;object-position:left center;filter:brightness(0) invert(1)}
.ccotu-final-cta{background:radial-gradient(circle at 80% 20%,rgba(34,197,94,.18),transparent 26%),linear-gradient(135deg,#062d58,#083e78)}
.ccotu-guide-card,.ccotu-contact-card,.ccotu-assistant,.ccotu-callout,.ccotu-aside-card{border-color:#dbe7f0}
.ccotu-guide-card:hover,.ccotu-contact-card:hover{box-shadow:0 18px 46px rgba(8,62,120,.09)}
@media(max-width:1050px){.ccotu-home-hero .ccotu-hero-grid{grid-template-columns:1fr 420px;gap:32px}.ccotu-brand{min-width:190px}.ccotu-brand img{width:190px}.ccotu-hero-proof{left:12px}.ccotu-hero-mini{right:10px}}
@media(max-width:820px){.ccotu-brand img{width:184px}.ccotu-home-hero .ccotu-hero-grid{grid-template-columns:1fr;gap:34px}.ccotu-hero-media{max-width:560px;margin-inline:auto}.ccotu-hero-proof{left:12px;bottom:78px}.ccotu-hero-mini{right:12px;bottom:-16px}.ccotu-about-grid{grid-template-columns:1fr;gap:28px}.ccotu-about-photo{position:relative;top:auto;max-width:520px;margin-inline:auto}.ccotu-header-actions{display:none}}
@media(max-width:580px){.ccotu-home-hero{padding-bottom:64px}.ccotu-hero-photo{border-radius:26px}.ccotu-hero-proof{left:8px;bottom:92px;width:calc(100% - 16px)}.ccotu-hero-mini{position:relative;right:auto;bottom:auto;width:100%;margin-top:10px}.ccotu-hero-mini a{padding:12px}.ccotu-call-label small{font-size:9px}.ccotu-brand img{width:170px}}

/* v3.0.1 business disclosure */
.ccotu-contact-disclosure{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:14px;padding:22px;border:1px solid #dbe7f0;border-radius:22px;background:linear-gradient(135deg,#f7fbff,#f4fff7)}
.ccotu-contact-disclosure>div{padding:14px 16px;border-radius:14px;background:#fff;border:1px solid #e5edf4}.ccotu-contact-disclosure strong{display:block;color:var(--ccotu-primary);margin-bottom:5px}.ccotu-contact-disclosure span,.ccotu-contact-disclosure p{font-size:13px;line-height:1.6;color:var(--ccotu-muted)}.ccotu-contact-disclosure p{grid-column:1/-1;margin:0}.ccotu-footer-address,.ccotu-footer-fees{margin-top:12px}.ccotu-footer-address strong,.ccotu-footer-fees strong{color:#fff}
@media(max-width:580px){.ccotu-contact-disclosure{grid-template-columns:1fr}.ccotu-contact-disclosure p{grid-column:auto}}

/* CreditHelp.co.ke v3.1 — mobile app-shell polish */
.ccotu-nav-links{display:flex;align-items:center;gap:5px}.ccotu-nav-mobile-head,.ccotu-nav-mobile-actions,.ccotu-mobile-dashboard,.ccotu-menu-backdrop{display:none}
.ccotu-menu-backdrop[hidden]{display:none!important}
.ccotu-menu-open{overflow:hidden}

@media(max-width:820px){
 html{scroll-padding-top:78px}
 .ccotu-body{background:#f2f6fa;padding-bottom:calc(92px + env(safe-area-inset-bottom));overscroll-behavior-y:none}
 .ccotu-site{overflow:clip;background:#f8fafc}
 .ccotu-header{padding-top:env(safe-area-inset-top);box-shadow:0 1px 0 rgba(8,62,120,.06);background:rgba(255,255,255,.96)}
 .ccotu-navrow{min-height:62px;width:calc(100% - 24px);gap:10px}
 .ccotu-brand{min-width:0;max-width:calc(100% - 54px)}
 .ccotu-brand img{width:min(176px,52vw);max-height:40px}
 .ccotu-menu-toggle{width:42px;height:42px;min-width:42px;border-radius:14px;background:#edf5fb;border:1px solid #dbe8f2;box-shadow:0 4px 12px rgba(8,62,120,.04)}
 .ccotu-menu-toggle svg{font-size:21px}
 .ccotu-menu-toggle[aria-expanded=true]{background:#083e78;color:#fff;border-color:#083e78}
 .ccotu-menu-backdrop{position:fixed;display:block;z-index:1090;inset:calc(62px + env(safe-area-inset-top)) 0 0;background:rgba(4,25,47,.38);backdrop-filter:blur(4px);border:0;padding:0}
 .ccotu-nav{position:fixed;z-index:1100;display:none;top:calc(72px + env(safe-area-inset-top));left:12px;right:12px;bottom:calc(91px + env(safe-area-inset-bottom));margin:0;overflow:auto;overscroll-behavior:contain;flex-direction:column;align-items:stretch;gap:12px;padding:14px;background:rgba(255,255,255,.985);border:1px solid #d6e3ee;border-radius:26px;box-shadow:0 26px 70px rgba(3,30,57,.24);animation:ccotuMenuSheet .2s ease-out}
 .ccotu-nav.is-open{display:flex}
 @keyframes ccotuMenuSheet{from{opacity:.65;transform:translateY(-10px) scale(.985)}to{opacity:1;transform:none}}
 .ccotu-nav-mobile-head{display:block;padding:5px 7px 12px;border-bottom:1px solid #e5edf3}
 .ccotu-nav-mobile-kicker{display:block;color:#178c49;font-size:10px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-bottom:3px}
 .ccotu-nav-mobile-head strong{display:block;color:#083e78;font-size:20px;line-height:1.2;letter-spacing:-.02em}
 .ccotu-nav-mobile-head small{display:block;color:#6a7d90;font-size:12px;margin-top:4px}
 .ccotu-nav-links{display:grid;grid-template-columns:1fr 1fr;gap:7px}
 .ccotu-nav-links a{display:flex;align-items:center;min-height:49px;padding:11px 12px;border:1px solid #e3ebf2;background:#f9fbfd;border-radius:15px;color:#27435e;font-size:12px;font-weight:820}
 .ccotu-nav-links a[aria-current=page]{background:#eaf5ff;border-color:#bcdcf3;color:#0877d1;box-shadow:none}
 .ccotu-nav-mobile-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:auto;padding-top:2px}
 .ccotu-nav-mobile-actions .ccotu-btn{width:100%;min-height:50px;border-radius:15px;padding:9px 10px}
 .ccotu-nav-mobile-actions .ccotu-call-label{align-items:center}
 .ccotu-nav-mobile-actions .ccotu-call-label small{display:none}

 main{display:block;background:#f8fafc}
 .ccotu-hero{overflow:hidden}
 .ccotu-home-hero,.ccotu-hero,.ccotu-page-hero{padding:28px 0 30px;background:linear-gradient(180deg,#fff 0,#f5f9fd 78%,#f8fafc 100%)}
 .ccotu-home-hero:after,.ccotu-hero:after{opacity:.55;right:-260px;top:-180px}
 .ccotu-home-hero .ccotu-hero-grid{gap:22px}
 .ccotu-home-hero .ccotu-hero-copy,.ccotu-page-hero .ccotu-hero-copy{text-align:left}
 .ccotu-eyebrow{font-size:9.5px!important;letter-spacing:.11em!important;margin-bottom:8px!important}
 .ccotu-home-hero .ccotu-hero-copy h1,.ccotu-hero-copy h1,.ccotu-page-hero .ccotu-hero-copy h1{font-size:clamp(34px,9.7vw,43px);line-height:1.02;letter-spacing:-.048em;margin-bottom:14px}
 .ccotu-lead{font-size:15px;line-height:1.55;color:#526b82}
 .ccotu-hero-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:19px}
 .ccotu-hero-actions .ccotu-btn{min-height:50px;border-radius:16px;padding:10px 11px;font-size:12px;box-shadow:none}
 .ccotu-hero-actions .ccotu-btn-primary{grid-column:1/-1;box-shadow:0 10px 24px rgba(8,119,209,.16)}
 .ccotu-hero-actions .ccotu-btn-call{border:1px solid #d9e6f0;background:#fff}
 .ccotu-hero-actions .ccotu-call-label{align-items:center}
 .ccotu-hero-actions .ccotu-call-label small{font-size:8.5px}
 .ccotu-benefit-row{gap:7px;margin-top:14px;padding:2px 1px 6px;margin-right:-12px}
 .ccotu-benefit-row span{padding:6px 9px;border-radius:999px;font-size:9.5px;box-shadow:none;white-space:nowrap}
 .ccotu-benefit-row span svg{font-size:12px}
 .ccotu-mobile-dashboard{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:15px}
 .ccotu-mobile-dashboard a{display:flex;align-items:center;gap:10px;min-width:0;min-height:72px;padding:11px;border:1px solid #dfE9f1;border-radius:18px;background:rgba(255,255,255,.93);text-decoration:none;box-shadow:0 5px 16px rgba(8,62,120,.045)}
 .ccotu-mobile-dashboard-icon{display:grid;place-items:center;flex:0 0 34px;width:34px;height:34px;border-radius:12px;background:#e8f4ff;color:#0877d1}
 .ccotu-mobile-dashboard a:nth-child(2n) .ccotu-mobile-dashboard-icon{background:#eaf9ef;color:#168a43}
 .ccotu-mobile-dashboard strong,.ccotu-mobile-dashboard small{display:block;min-width:0}
 .ccotu-mobile-dashboard strong{font-size:11.5px;line-height:1.2;color:#083e78}
 .ccotu-mobile-dashboard small{font-size:9px;line-height:1.25;color:#6a7d90;margin-top:3px}

 .ccotu-hero-media{max-width:none;width:100%;margin:0}
 .ccotu-hero-photo{aspect-ratio:16/9;border-radius:24px;box-shadow:0 15px 38px rgba(8,62,120,.12)}
 .ccotu-hero-photo img{object-position:center 33%}
 .ccotu-hero-proof{position:relative;left:auto;bottom:auto;width:100%;margin-top:-18px;padding:12px 13px;border-radius:17px;box-shadow:0 10px 26px rgba(8,62,120,.1)}
 .ccotu-hero-proof>span{width:34px;height:34px;flex-basis:34px;border-radius:11px}
 .ccotu-hero-proof strong{font-size:12px}.ccotu-hero-proof small{font-size:9.7px}
 .ccotu-hero-mini{position:relative;right:auto;bottom:auto;width:100%;grid-template-columns:1fr 1fr;gap:7px;margin-top:8px}
 .ccotu-hero-mini a{padding:11px 12px;border-radius:15px;box-shadow:none}
 .ccotu-hero-mini b{font-size:11px}.ccotu-hero-mini small{font-size:8.8px}

 .ccotu-trust-strip{padding:8px 0 9px;background:#f8fafc}
 .ccotu-trust-grid{gap:8px;padding:0 12px;margin-inline:-12px}
 .ccotu-trust-grid>div{min-width:220px;padding:12px 13px;border-radius:16px;box-shadow:0 3px 12px rgba(8,62,120,.035)}
 .ccotu-trust-grid>div>svg{width:26px;height:26px}
 .ccotu-trust-grid strong{font-size:12px}.ccotu-trust-grid small{font-size:9.5px;line-height:1.35}

 .ccotu-section{padding:38px 0}
 .ccotu-section-head{margin-bottom:19px;text-align:left}
 .ccotu-section-head h2{font-size:27px;line-height:1.08;margin-bottom:9px}
 .ccotu-section-head p{font-size:13px;line-height:1.5}
 .ccotu-task-section{background:#f8fafc}
 .ccotu-task-grid{grid-template-columns:1fr 1fr;gap:9px}
 .ccotu-task-grid>a{min-height:152px;padding:14px;border-radius:20px;background:#fff;border-color:#e1eaf2;box-shadow:0 5px 18px rgba(8,62,120,.04)}
 .ccotu-task-grid>a>span{width:29px;height:29px;border-radius:10px;font-size:9px}
 .ccotu-task-grid>a:after{right:11px;top:11px;width:26px;height:26px;font-size:12px}
 .ccotu-task-grid h3{font-size:14.5px;line-height:1.18;margin:16px 0 6px;letter-spacing:-.01em}
 .ccotu-task-grid p{font-size:10.2px;line-height:1.4;color:#6a7d90}

 .ccotu-assistant-section{margin:0 10px;border-radius:28px;padding:34px 0;background:radial-gradient(circle at 88% 4%,rgba(34,197,94,.2),transparent 24%),linear-gradient(155deg,#062d58,#083e78);box-shadow:0 18px 50px rgba(8,62,120,.13)}
 .ccotu-assistant-layout{gap:19px}
 .ccotu-assistant-intro h2{font-size:29px;margin-bottom:10px}.ccotu-assistant-intro>p{font-size:13px;line-height:1.5}
 .ccotu-assistant-intro .ccotu-checklist{margin-bottom:0}
 .ccotu-assistant{padding:16px;border-radius:22px;box-shadow:0 14px 38px rgba(1,12,31,.15)}
 .ccotu-assistant-head{gap:10px}.ccotu-assistant-head h2{font-size:18px}.ccotu-assistant-head p:last-child{font-size:11px;line-height:1.45}
 .ccotu-assistant-progress{margin:15px 0 13px}.ccotu-assistant-progress span{width:27px;height:27px;border-width:3px}
 .ccotu-choice-grid{gap:7px}.ccotu-choice-grid button{min-height:56px;padding:11px 34px 11px 12px;border-radius:15px}.ccotu-choice-grid strong{font-size:12px}.ccotu-choice-grid small{font-size:9.5px}

 .ccotu-soft-section{background:#f8fafc}
 .ccotu-home-hero+ .ccotu-trust-strip + .ccotu-task-section + .ccotu-assistant-section + .ccotu-soft-section .ccotu-guide-grid{display:flex;overflow-x:auto;gap:10px;margin-right:-12px;padding-right:12px;scroll-snap-type:x mandatory;scrollbar-width:none}
 .ccotu-home-hero+ .ccotu-trust-strip + .ccotu-task-section + .ccotu-assistant-section + .ccotu-soft-section .ccotu-guide-grid::-webkit-scrollbar{display:none}
 .ccotu-home-hero+ .ccotu-trust-strip + .ccotu-task-section + .ccotu-assistant-section + .ccotu-soft-section .ccotu-guide-card{flex:0 0:min(82vw,300px);min-height:218px;scroll-snap-align:start}
 .ccotu-guide-card{padding:17px;border-radius:19px;box-shadow:0 4px 15px rgba(8,62,120,.035)}
 .ccotu-guide-card h3{font-size:17px}.ccotu-guide-card p{font-size:12px;line-height:1.5}

 .ccotu-split,.ccotu-content-shell,.ccotu-contact-grid,.ccotu-about-grid,.ccotu-assistant-page-shell,.ccotu-article-layout{gap:16px}
 .ccotu-callout,.ccotu-contact-card,.ccotu-assistant-side,.ccotu-aside-card{border-radius:21px;padding:18px}
 .ccotu-contact-card{box-shadow:0 5px 18px rgba(8,62,120,.04)}
 .ccotu-contact-disclosure{padding:14px;gap:8px;border-radius:20px}
 .ccotu-contact-disclosure>div{padding:12px;border-radius:14px}
 .ccotu-about-photo{border-radius:22px}
 .ccotu-prose{font-size:14px}.ccotu-prose h2{font-size:24px;line-height:1.15}
 .ccotu-article-hero{padding-top:30px;padding-bottom:28px}
 .ccotu-article-hero h1{font-size:34px;line-height:1.04}
 .ccotu-article-deck{font-size:15px;line-height:1.55}
 .ccotu-quick-answer,.ccotu-key-points,.ccotu-prose-section{border-radius:19px}
 .ccotu-faqs details{border-radius:17px;margin-bottom:8px}.ccotu-faqs summary{padding:15px 16px;font-size:13px}

 .ccotu-final-cta{margin:0 10px 20px;border-radius:26px;padding:32px 0}
 .ccotu-final-grid h2{font-size:26px}.ccotu-final-grid p{font-size:13px}
 .ccotu-final-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px}.ccotu-final-actions .ccotu-btn:first-child{grid-column:1/-1}
 .ccotu-final-actions .ccotu-btn{min-height:49px}
 .ccotu-footer{border-radius:28px 28px 0 0;padding-top:38px}
 .ccotu-footer-grid{gap:24px}.ccotu-footer-grid>div:not(.ccotu-footer-brand){padding:0 2px}
 .ccotu-footer-grid h3{margin-bottom:9px}.ccotu-footer-grid a{display:inline-flex;margin:0 6px 7px 0;padding:7px 9px;border:1px solid rgba(255,255,255,.1);border-radius:999px;font-size:10.5px;background:rgba(255,255,255,.04)}
 .ccotu-footer-brand img{width:190px}.ccotu-footer-brand p{font-size:11.5px}
 .ccotu-disclaimer{font-size:9.5px;line-height:1.55;padding-bottom:calc(16px + env(safe-area-inset-bottom))}

 .ccotu-mobile-bar{left:8px;right:8px;bottom:calc(7px + env(safe-area-inset-bottom));height:68px;grid-template-columns:repeat(5,1fr);padding:6px 5px 5px;border-radius:23px;background:rgba(255,255,255,.965);border-color:rgba(205,219,231,.92);box-shadow:0 16px 44px rgba(6,38,71,.23);transition:transform .2s ease,opacity .2s ease,box-shadow .2s ease}
 .ccotu-mobile-tab{min-height:55px;border-radius:15px;font-size:9px;gap:2px;color:#6b8094;transition:background .16s ease,color .16s ease,transform .16s ease}
 .ccotu-mobile-tab:active{transform:scale(.94)}
 .ccotu-mobile-tab svg{font-size:19px}
 .ccotu-mobile-tab.is-active{background:#edf6ff;color:#0877d1}
 .ccotu-mobile-assistant-icon{width:40px;height:40px;margin-top:-24px;border-radius:14px;background:linear-gradient(145deg,#0877d1,#0757a0);box-shadow:0 10px 22px rgba(8,119,209,.3);border:4px solid #fff}
 .ccotu-mobile-assistant-icon svg{font-size:18px}
 .ccotu-mobile-bar.is-compact{transform:translateY(calc(100% + 16px));opacity:.2}

 .ccotu-modal{place-items:end center;padding:0}
 .ccotu-modal-dialog{max-height:min(90dvh,780px);border-radius:28px 28px 0 0;padding:20px 16px calc(20px + env(safe-area-inset-bottom));box-shadow:0 -18px 60px rgba(4,28,54,.2)}
 .ccotu-modal-top{gap:10px}.ccotu-modal-icon{width:40px;height:40px;border-radius:13px}.ccotu-modal-top h2{font-size:19px;line-height:1.15}
 .ccotu-wa-progress{margin:17px 0}.ccotu-wa-step select,.ccotu-wa-step input[type=text]{height:52px;border-radius:15px}
 .ccotu-wa-review{padding:15px;border-radius:17px}
}

@media(max-width:430px){
 .ccotu-nav-links{grid-template-columns:1fr}
 .ccotu-nav-links a{min-height:44px}
 .ccotu-home-hero .ccotu-hero-copy h1,.ccotu-hero-copy h1,.ccotu-page-hero .ccotu-hero-copy h1{font-size:35px}
 .ccotu-mobile-dashboard a{min-height:67px;padding:9px}.ccotu-mobile-dashboard-icon{width:31px;height:31px;flex-basis:31px}
 .ccotu-task-grid>a{min-height:146px;padding:13px}.ccotu-task-grid h3{font-size:14px}.ccotu-task-grid p{font-size:9.8px}
 .ccotu-assistant-section,.ccotu-final-cta{margin-inline:6px}
 .ccotu-mobile-bar{left:5px;right:5px}
 .ccotu-mobile-tab{font-size:8.5px}
}

@media(prefers-reduced-motion:reduce){
 .ccotu-btn,.ccotu-mobile-tab,.ccotu-mobile-bar,.ccotu-nav,.ccotu-menu-toggle{transition:none!important;animation:none!important}
}

/* CreditHelp.co.ke v3.2 — mobile viewport containment + native app polish */
@media(max-width:820px){
 html,.ccotu-body{width:100%;max-width:100%;overflow-x:hidden}
 .ccotu-site,main,.ccotu-header,.ccotu-hero,.ccotu-section,.ccotu-trust-strip,.ccotu-footer{width:100%;max-width:100%}
 .ccotu-site{overflow-x:clip}
 .ccotu-body img{max-width:100%;height:auto}
 .ccotu-body input,.ccotu-body select,.ccotu-body textarea,.ccotu-body button{max-width:100%}
 .ccotu-container{width:100%!important;max-width:1180px;padding-left:18px;padding-right:18px;margin-left:auto;margin-right:auto}
 .ccotu-navrow{width:100%!important;max-width:1180px;min-height:64px;padding-left:18px;padding-right:18px;margin-inline:auto;justify-content:space-between}
 .ccotu-brand{flex:0 1 auto;min-width:0;max-width:calc(100% - 58px)}
 .ccotu-brand img{width:min(164px,48vw);max-width:100%;max-height:40px}
 .ccotu-menu-toggle{flex:0 0 44px;width:44px;height:44px;min-width:44px;border-radius:15px;margin-left:auto}

 .ccotu-hero-grid,.ccotu-hero-copy,.ccotu-hero-media,.ccotu-split>*,.ccotu-content-shell>*,.ccotu-contact-grid>*,.ccotu-assistant-layout>*,.ccotu-assistant-page-shell>*,.ccotu-article-layout>*,.ccotu-footer-grid>*{min-width:0;max-width:100%}
 .ccotu-home-hero,.ccotu-hero,.ccotu-page-hero{padding:28px 0 26px;overflow:hidden;background:radial-gradient(circle at 100% 4%,rgba(8,119,209,.07),transparent 32%),linear-gradient(180deg,#fff 0,#f7fafc 100%)}
 .ccotu-home-hero:after,.ccotu-hero:after{display:none}
 .ccotu-home-hero .ccotu-hero-grid{grid-template-columns:minmax(0,1fr);gap:20px;width:100%;max-width:100%}
 .ccotu-hero-copy{width:100%}
 .ccotu-eyebrow{font-size:10px!important;line-height:1.3!important;letter-spacing:.105em!important;margin:0 0 9px!important}
 .ccotu-home-hero .ccotu-hero-copy h1,.ccotu-hero-copy h1,.ccotu-page-hero .ccotu-hero-copy h1{width:100%;max-width:100%;font-size:clamp(32px,8.7vw,40px);line-height:1.045;letter-spacing:-.043em;margin:0 0 13px;overflow-wrap:normal;word-break:normal;text-wrap:balance}
 .ccotu-lead{width:100%;max-width:100%;font-size:14.5px;line-height:1.56;margin:0;color:#536b82;text-wrap:pretty}

 .ccotu-hero-actions{width:100%;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:9px;margin-top:18px}
 .ccotu-hero-actions .ccotu-btn{width:100%;min-width:0;min-height:48px;padding:9px 10px;border-radius:15px;font-size:12px;line-height:1.2;white-space:normal;text-align:center;overflow:hidden}
 .ccotu-hero-actions .ccotu-btn>span{min-width:0;overflow-wrap:anywhere}
 .ccotu-hero-actions .ccotu-btn-primary{grid-column:auto;box-shadow:0 8px 20px rgba(8,119,209,.14)}
 .ccotu-hero-actions .ccotu-btn-call{display:none}
 .ccotu-hero-actions .ccotu-btn-wa{box-shadow:0 8px 20px rgba(22,138,67,.12)}

 .ccotu-benefit-row{width:100%;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:8px;overflow:visible;flex-wrap:initial;margin:14px 0 0;padding:0}
 .ccotu-benefit-row span{min-width:0;min-height:46px;justify-content:flex-start;align-items:center;padding:8px 10px;border:1px solid #dce8f1;border-radius:14px;font-size:9.5px;line-height:1.25;white-space:normal;background:#fff;box-shadow:0 3px 10px rgba(8,62,120,.03)}
 .ccotu-benefit-row span:nth-child(n+3){display:none}
 .ccotu-benefit-row span svg{flex:0 0 auto}

 .ccotu-mobile-dashboard{width:100%;max-width:100%;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:9px;margin-top:14px}
 .ccotu-mobile-dashboard a{width:100%;min-width:0;max-width:100%;min-height:78px;padding:11px 12px;gap:10px;border-radius:17px;overflow:hidden}
 .ccotu-mobile-dashboard a>span:last-child{min-width:0;overflow:hidden}
 .ccotu-mobile-dashboard strong{font-size:11.5px;line-height:1.22;white-space:normal;overflow-wrap:anywhere}
 .ccotu-mobile-dashboard small{font-size:9.5px;line-height:1.3;white-space:normal;overflow-wrap:anywhere}

 .ccotu-hero-media{width:100%;margin:2px 0 0}
 .ccotu-hero-photo{width:100%;max-width:100%;aspect-ratio:16/10;border-radius:22px;box-shadow:0 12px 30px rgba(8,62,120,.1)}
 .ccotu-hero-proof{width:calc(100% - 18px);max-width:100%;margin:-17px auto 0;padding:11px 12px;border-radius:16px}
 .ccotu-hero-proof strong{font-size:11.5px}.ccotu-hero-proof small{font-size:9.5px;line-height:1.35}
 .ccotu-hero-mini{display:none}

 .ccotu-trust-strip{padding:10px 0 11px;background:#f7fafc}
 .ccotu-trust-grid{width:100%;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;overflow:visible;margin:0;padding:0;scroll-snap-type:none}
 .ccotu-trust-grid>div{min-width:0;min-height:82px;padding:11px 8px;border:1px solid #e1eaf2!important;border-radius:16px;background:#fff;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;gap:7px;scroll-snap-align:none;box-shadow:0 3px 12px rgba(8,62,120,.03)}
 .ccotu-trust-grid>div>svg{width:22px;height:22px;flex:0 0 auto}
 .ccotu-trust-grid strong{font-size:10px;line-height:1.22}
 .ccotu-trust-grid small{display:none}

 .ccotu-task-grid,.ccotu-guide-grid,.ccotu-topic-grid,.ccotu-support-grid,.ccotu-contact-grid,.ccotu-footer-grid{max-width:100%}
 .ccotu-task-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:9px}
 .ccotu-task-grid>a{min-width:0;max-width:100%;overflow:hidden}
 .ccotu-task-grid h3,.ccotu-task-grid p,.ccotu-guide-card h3,.ccotu-guide-card p{overflow-wrap:anywhere}
 .ccotu-assistant-section,.ccotu-final-cta{max-width:calc(100% - 16px);margin-left:8px;margin-right:8px}
 .ccotu-assistant,.ccotu-callout,.ccotu-contact-card,.ccotu-aside-card,.ccotu-guide-card,.ccotu-prose,.ccotu-article-main,.ccotu-article-aside{min-width:0;max-width:100%}
 .ccotu-choice-grid button{min-width:0;max-width:100%}
 .ccotu-prose,.ccotu-prose p,.ccotu-prose li,.ccotu-article-main,.ccotu-article-main p,.ccotu-article-main li{overflow-wrap:anywhere}
 .ccotu-guide-tools,.ccotu-guide-search,.ccotu-guide-select{min-width:0;max-width:100%}
 .ccotu-guide-tools input,.ccotu-guide-tools select{width:100%;min-width:0;max-width:100%}

 .ccotu-nav{left:10px;right:10px;top:calc(72px + env(safe-area-inset-top));bottom:calc(82px + env(safe-area-inset-bottom));max-width:calc(100% - 20px);border-radius:22px;padding:13px;overflow-x:hidden}
 .ccotu-nav-links,.ccotu-nav-mobile-actions{min-width:0;max-width:100%}
 .ccotu-nav-links a,.ccotu-nav-mobile-actions .ccotu-btn{min-width:0;max-width:100%;overflow:hidden}

 .ccotu-mobile-bar{box-sizing:border-box;left:9px;right:9px;bottom:calc(8px + env(safe-area-inset-bottom));width:auto;max-width:calc(100% - 18px);height:64px;grid-template-columns:repeat(5,minmax(0,1fr));gap:1px;padding:5px 4px 4px;border-radius:21px;overflow:visible}
 .ccotu-mobile-bar .ccotu-mobile-tab,.ccotu-mobile-bar button.ccotu-mobile-tab{box-sizing:border-box;appearance:none;width:100%;min-width:0;max-width:100%;min-height:53px;height:53px;margin:0;padding:5px 2px;border:0;border-radius:14px;background:transparent;color:#657b90;font-family:var(--ccotu-font)!important;font-size:9px!important;font-weight:820!important;line-height:1!important;overflow:visible;text-align:center}
 .ccotu-mobile-tab svg{width:20px;height:20px;font-size:20px;flex:0 0 auto}
 .ccotu-mobile-tab>span:last-child{display:block;max-width:100%;font-size:9px!important;line-height:1.05;white-space:nowrap;overflow:hidden;text-overflow:clip}
 .ccotu-mobile-tab.is-active{background:#edf6ff;color:#0877d1}
 .ccotu-mobile-assistant-icon{width:38px!important;height:38px!important;min-width:38px;max-width:38px!important;margin-top:-20px;border-radius:13px;border:3px solid #fff}
 .ccotu-mobile-assistant-icon svg{width:18px;height:18px;font-size:18px}

 .ccotu-modal-dialog{width:100%;max-width:100%;overflow-x:hidden}
 .ccotu-wa-step,.ccotu-wa-review,.ccotu-wa-review dl,.ccotu-wa-review dl>div{min-width:0;max-width:100%}
 .ccotu-wa-review dd{overflow-wrap:anywhere}
 .ccotu-footer{overflow:hidden}
 .ccotu-footer-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
 .ccotu-footer-brand{grid-column:1/-1}
 .ccotu-footer-brand img{max-width:185px}
}

@media(max-width:430px){
 .ccotu-container,.ccotu-navrow{padding-left:15px;padding-right:15px}
 .ccotu-brand img{width:min(158px,49vw)}
 .ccotu-home-hero,.ccotu-hero,.ccotu-page-hero{padding-top:24px}
 .ccotu-home-hero .ccotu-hero-copy h1,.ccotu-hero-copy h1,.ccotu-page-hero .ccotu-hero-copy h1{font-size:clamp(31px,9vw,36px);line-height:1.055}
 .ccotu-lead{font-size:14px}
 .ccotu-hero-actions .ccotu-btn{font-size:11.5px;padding-inline:8px}
 .ccotu-benefit-row span{font-size:9px;padding-inline:8px}
 .ccotu-mobile-dashboard a{min-height:74px;padding:10px}
 .ccotu-mobile-dashboard-icon{width:32px;height:32px;flex-basis:32px}
 .ccotu-trust-grid>div{min-height:78px;padding:10px 7px}.ccotu-trust-grid strong{font-size:9.5px}
 .ccotu-mobile-bar{left:7px;right:7px;max-width:calc(100% - 14px)}
 .ccotu-footer-grid{grid-template-columns:1fr}
 .ccotu-footer-brand{grid-column:auto}
}

@media(max-width:355px){
 .ccotu-hero-actions{grid-template-columns:1fr}
 .ccotu-benefit-row{grid-template-columns:1fr}
 .ccotu-mobile-dashboard{grid-template-columns:1fr}
 .ccotu-trust-grid{grid-template-columns:1fr}
 .ccotu-trust-grid>div{min-height:62px;flex-direction:row;align-items:center}
 .ccotu-task-grid{grid-template-columns:1fr}
 .ccotu-mobile-tab>span:last-child{font-size:8px!important}
}
@media(max-width:820px){
 .ccotu-hero-actions>.ccotu-btn-wa:first-child{grid-column:1/-1}
}


/* CreditHelp.co.ke v3.2.1 — interaction safety + clear mobile triggers */
html.ccotu-menu-open,html.ccotu-modal-open{overflow-x:hidden!important;overflow-y:auto!important}
@media(max-width:820px){
 html,.ccotu-body{min-height:100%;touch-action:pan-y pinch-zoom;-webkit-overflow-scrolling:touch}
 .ccotu-body{overflow-y:auto!important;overscroll-behavior-y:auto!important}
 .ccotu-site{overflow-x:hidden!important;overflow-y:visible!important;touch-action:pan-y pinch-zoom}
 main,.ccotu-hero,.ccotu-section,.ccotu-footer{touch-action:pan-y pinch-zoom}
 a,button,input,select,label,summary{touch-action:manipulation}
 .ccotu-menu-backdrop{display:block!important;opacity:0;visibility:hidden;pointer-events:none!important;transition:opacity .16s ease,visibility 0s linear .16s}
 .ccotu-menu-backdrop[hidden]{display:none!important;pointer-events:none!important}
 html.ccotu-menu-open .ccotu-menu-backdrop:not([hidden]){opacity:1;visibility:visible;pointer-events:auto!important;transition:opacity .16s ease}
 .ccotu-nav{pointer-events:none;visibility:hidden;opacity:0;display:flex!important;transform:translateY(-8px) scale(.99);transition:opacity .16s ease,transform .16s ease,visibility 0s linear .16s}
 .ccotu-nav.is-open{pointer-events:auto;visibility:visible;opacity:1;transform:none;transition:opacity .16s ease,transform .16s ease}
 .ccotu-navrow{gap:8px}
 .ccotu-brand{max-width:calc(100% - 82px)}
 .ccotu-menu-toggle{display:inline-flex!important;width:auto!important;min-width:68px!important;height:42px!important;padding:0 11px!important;border-radius:14px!important;gap:6px!important;line-height:1!important}
 .ccotu-menu-toggle span{display:inline!important;font-size:11px;font-weight:850;letter-spacing:-.01em}
 .ccotu-menu-toggle svg{width:20px;height:20px;flex:0 0 20px}
 .ccotu-modal{display:grid;opacity:0;visibility:hidden;pointer-events:none!important;transition:opacity .16s ease,visibility 0s linear .16s}
 .ccotu-modal[hidden]{display:none!important;pointer-events:none!important}
 .ccotu-modal.is-open:not([hidden]){opacity:1;visibility:visible;pointer-events:auto!important;transition:opacity .16s ease}
 .ccotu-modal-backdrop{pointer-events:auto}
 .ccotu-modal-dialog{pointer-events:auto;overflow-y:auto!important;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;touch-action:pan-y;max-height:min(88dvh,760px)}
 .ccotu-wa-choice-title{margin:2px 0 3px;color:var(--ccotu-primary);font-size:17px;line-height:1.2;letter-spacing:-.02em}
 .ccotu-wa-choice-copy{margin:0 0 13px;color:var(--ccotu-muted);font-size:11.5px;line-height:1.45}
 .ccotu-wa-need-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:8px}
 .ccotu-wa-need-grid>button{appearance:none;width:100%;min-width:0;min-height:68px;margin:0;padding:10px;border:1px solid #dce7f0;border-radius:16px;background:#f9fbfd;color:#24445f;display:flex;align-items:center;gap:9px;text-align:left;cursor:pointer;box-shadow:none}
 .ccotu-wa-need-grid>button>span:last-child{min-width:0}.ccotu-wa-need-grid strong,.ccotu-wa-need-grid small{display:block;overflow-wrap:anywhere}
 .ccotu-wa-need-grid strong{font-size:11.5px;line-height:1.2;color:#083e78}.ccotu-wa-need-grid small{margin-top:3px;font-size:9px;line-height:1.25;color:#6a7d90}
 .ccotu-wa-need-icon{display:grid;place-items:center;flex:0 0 32px;width:32px;height:32px;border-radius:11px;background:#e8f4ff;color:#0877d1}
 .ccotu-wa-need-grid>button:nth-child(even) .ccotu-wa-need-icon{background:#eaf9ef;color:#168a43}
 .ccotu-wa-need-grid>button.is-selected{border-color:#78b9e8;background:#edf7ff;box-shadow:0 0 0 2px rgba(8,119,209,.08)}
 .ccotu-wa-need-grid>button.is-selected .ccotu-wa-need-icon{background:#0877d1;color:#fff}.ccotu-wa-need-wide{grid-column:1/-1}
 .ccotu-wa-native-select{position:absolute!important;width:1px!important;height:1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;opacity:0!important;pointer-events:none!important;margin:-1px!important;padding:0!important;border:0!important}
 .ccotu-wa-choice-error{margin:9px 0 0;padding:8px 10px;border-radius:10px;background:#fff4f4;color:#a32929;font-size:10.5px;font-weight:750}
 .ccotu-wa-step [data-wa-next]{margin-top:12px}.ccotu-wa-step [data-wa-next]:disabled{opacity:.45;cursor:not-allowed;box-shadow:none}
 .ccotu-mobile-bar,.ccotu-mobile-tab{pointer-events:auto}
}
@media(max-width:390px){.ccotu-container,.ccotu-navrow{padding-left:14px!important;padding-right:14px!important}.ccotu-brand img{width:min(156px,46vw)}.ccotu-menu-toggle{min-width:64px!important;padding-inline:9px!important}.ccotu-wa-need-grid{grid-template-columns:1fr}.ccotu-wa-need-wide{grid-column:auto}.ccotu-modal-dialog{padding-left:14px;padding-right:14px}}


/* CreditHelp.co.ke v3.2.2 — mobile menu layering + Helpful Answers repair */
@media(max-width:820px){
  /* Mobile blur created a stacking/containing context around the fixed drawer.
     Keep the header simple and put the drawer above its backdrop explicitly. */
  .ccotu-header{
    -webkit-backdrop-filter:none!important;
    backdrop-filter:none!important;
    z-index:2200!important;
    overflow:visible!important;
  }
  html.ccotu-menu-open .ccotu-header{z-index:4200!important;background:#fff!important}
  .ccotu-menu-backdrop{
    z-index:3900!important;
    inset:calc(64px + env(safe-area-inset-top)) 0 0!important;
    background:rgba(4,25,47,.48)!important;
    -webkit-backdrop-filter:blur(2px)!important;
    backdrop-filter:blur(2px)!important;
  }
  .ccotu-nav{
    z-index:4300!important;
    top:calc(72px + env(safe-area-inset-top))!important;
    left:12px!important;
    right:12px!important;
    bottom:auto!important;
    width:auto!important;
    max-width:none!important;
    max-height:calc(100dvh - 168px - env(safe-area-inset-bottom))!important;
    padding:14px!important;
    border-radius:22px!important;
    background:#fff!important;
    border:1px solid #d7e5ef!important;
    box-shadow:0 24px 70px rgba(3,30,57,.28)!important;
    overflow-y:auto!important;
    overflow-x:hidden!important;
  }
  .ccotu-nav.is-open{display:flex!important;visibility:visible!important;opacity:1!important;pointer-events:auto!important}
  html.ccotu-menu-open .ccotu-mobile-bar{opacity:0!important;visibility:hidden!important;pointer-events:none!important;transform:translateY(120%)!important}
  .ccotu-nav-mobile-head{position:relative;z-index:1;background:#fff}
  .ccotu-nav-links,.ccotu-nav-mobile-actions{position:relative;z-index:1}

  /* The home Helpful Answers area is now an explicit, contained app-card grid.
     No horizontal flex rail, no negative margins, and no shrink-to-zero cards. */
  .ccotu-home-guides-section .ccotu-home-guide-grid{
    display:grid!important;
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
    gap:10px!important;
    width:100%!important;
    max-width:100%!important;
    margin:0!important;
    padding:0!important;
    overflow:visible!important;
    scroll-snap-type:none!important;
  }
  .ccotu-home-guides-section .ccotu-home-guide-grid .ccotu-guide-card{
    box-sizing:border-box!important;
    display:flex!important;
    flex:initial!important;
    width:100%!important;
    min-width:0!important;
    max-width:100%!important;
    min-height:198px!important;
    padding:15px!important;
    border-radius:18px!important;
    overflow:hidden!important;
    scroll-snap-align:none!important;
  }
  .ccotu-home-guides-section .ccotu-guide-card-top{
    min-width:0!important;
    display:flex!important;
    flex-wrap:wrap!important;
    align-items:flex-start!important;
    justify-content:flex-start!important;
    gap:6px!important;
    margin-bottom:12px!important;
  }
  .ccotu-home-guides-section .ccotu-guide-topic{
    max-width:100%!important;
    font-size:9px!important;
    line-height:1.25!important;
    white-space:normal!important;
    overflow-wrap:break-word!important;
    word-break:normal!important;
  }
  .ccotu-home-guides-section .ccotu-read-time{font-size:9px!important;white-space:nowrap!important}
  .ccotu-home-guides-section .ccotu-guide-card h3{
    width:100%!important;
    min-width:0!important;
    margin:0 0 7px!important;
    font-size:15px!important;
    line-height:1.28!important;
    letter-spacing:-.015em!important;
    white-space:normal!important;
    overflow-wrap:break-word!important;
    word-break:normal!important;
  }
  .ccotu-home-guides-section .ccotu-guide-card p{
    width:100%!important;
    min-width:0!important;
    font-size:11px!important;
    line-height:1.45!important;
    -webkit-line-clamp:3!important;
    white-space:normal!important;
    overflow-wrap:break-word!important;
    word-break:normal!important;
  }
  .ccotu-home-guides-section .ccotu-guide-card strong{
    padding-top:11px!important;
    font-size:11px!important;
    white-space:normal!important;
  }
}

@media(max-width:620px){
  .ccotu-home-guides-section .ccotu-home-guide-grid{grid-template-columns:minmax(0,1fr)!important}
  .ccotu-home-guides-section .ccotu-home-guide-grid .ccotu-guide-card{
    min-height:0!important;
    padding:15px 16px!important;
  }
  .ccotu-home-guides-section .ccotu-guide-card h3{font-size:16px!important}
  .ccotu-home-guides-section .ccotu-guide-card p{-webkit-line-clamp:2!important}
}

@media(max-width:390px){
  .ccotu-nav{left:8px!important;right:8px!important;top:calc(70px + env(safe-area-inset-top))!important;padding:12px!important}
}