Score how likely a URL is to be phishing or untrustworthy using offline lexical and structural heuristics (no network lookups). Checks raw-IP hosts, embedded credentials, punycode/homoglyph labels, brand typosquatting, brand-in-subdomain, abused TLDs, shorteners, random hostnames, odd ports, plaintext http and executable paths. Returns a 0-100 risk score, a verdict and the reasons.

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