/* Hasset Sacco — Premium Public Website (brand: #4A231A) */
:root {
    --home-primary: #4A231A;
    --home-primary-dark: #321610;
    --home-primary-light: #6B3A2E;
    --home-accent: #8B5E48;
    --home-accent-light: #A67B62;
    --home-accent-dark: #3D1A14;
    --home-font: 'DM Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
    --home-serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
    --home-radius: 16px;
    --home-radius-lg: 24px;
    --home-max: 1200px;
    --home-nav-h: 72px;
    --home-topbar-h: 40px;
    --home-header-h: calc(var(--home-nav-h) + max(16px, env(safe-area-inset-top)) + 16px);
    --home-tabbar-h: 72px;
    --home-drawer-w: min(380px, 100vw);
    --home-ease: cubic-bezier(0.22, 1, 0.36, 1);
    --home-gutter: clamp(16px, 4vw, 40px);
    --home-section-y: clamp(48px, 8vw, 88px);
}

body.home-body {
    --home-bg: #FAF7F5;
    --home-bg-alt: #F3ECE8;
    --home-surface: rgba(255, 255, 255, 0.94);
    --home-surface-solid: #FFFFFF;
    --home-border: rgba(74, 35, 26, 0.12);
    --home-text: #2A1814;
    --home-muted: #6B534C;
    --home-shadow: 0 24px 64px rgba(74, 35, 26, 0.1), 0 8px 24px rgba(74, 35, 26, 0.06);
    --home-shadow-sm: 0 4px 16px rgba(74, 35, 26, 0.06);
    --home-shadow-accent: 0 8px 28px rgba(74, 35, 26, 0.18);
    --home-glass: rgba(255, 255, 255, 0.88);
}

body.home-body.home-dark {
    --home-bg: #1A100E;
    --home-bg-alt: #261816;
    --home-surface: rgba(38, 24, 22, 0.94);
    --home-surface-solid: #2E1E1A;
    --home-border: rgba(166, 123, 98, 0.24);
    --home-text: #F8F2EE;
    --home-muted: #C9B5AB;
    --home-accent-dark: #F0D4BC;
    --home-shadow: 0 32px 80px rgba(0, 0, 0, 0.5), 0 12px 32px rgba(74, 35, 26, 0.2);
    --home-shadow-sm: 0 4px 16px rgba(0, 0, 0, 0.35);
    --home-glass: rgba(26, 16, 14, 0.88);
    color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body.home-body {
    min-height: 100vh;
    min-height: 100dvh;
    font-family: var(--home-font);
    color: var(--home-text);
    background: var(--home-bg);
    color-scheme: light;
    overflow-x: clip;
    -webkit-font-smoothing: antialiased;
    -webkit-tap-highlight-color: transparent;
    padding-left: env(safe-area-inset-left);
    padding-right: env(safe-area-inset-right);
}

body.home-body--refined {
    --home-bg: #FFFFFF;
    --home-bg-alt: #F8F4F2;
    --home-header-h: 84px;
    --home-hero-view-h: calc(100svh - var(--home-header-h));
    --home-gold: #D4A054;
    --home-gold-soft: #F5D9A8;
}

/* Hero content starts exactly below the fixed header (padding, not margin — avoids gray gap) */
body.home-body--refined .home-scene > main > .home-hero:first-child,
body.home-body--refined .home-scene > main > .spa-outlet > .home-hero:first-child,
body.home-body--refined .home-scene > main > .home-page-hero:first-child,
body.home-body--refined .home-scene > main > .spa-outlet > .home-page-hero:first-child {
    margin-top: 0;
    padding-top: var(--home-header-h);
}

body.home-body--refined .home-scene > main > .home-hero.home-hero--cinema:first-child,
body.home-body--refined .home-scene > main > .spa-outlet > .home-hero.home-hero--cinema:first-child {
    background-color: var(--home-bg);
}

/* Dark strip only under the fixed header (slider zone), not the cards section below */
body.home-body--refined .home-scene > main > .home-hero.home-hero--cinema:first-child::before,
body.home-body--refined .home-scene > main > .spa-outlet > .home-hero.home-hero--cinema:first-child::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: var(--home-header-h);
    background-color: #1A100E;
    z-index: 0;
    pointer-events: none;
}

body.home-body--refined .home-scene > main > .home-page-hero:first-child,
body.home-body--refined .home-scene > main > .spa-outlet > .home-page-hero:first-child {
    background-color: var(--home-primary-dark);
}

body.home-body--refined:not(.home-dark) .home-scene__mesh,
body.home-body--refined:not(.home-dark) .home-scene__grain {
    opacity: 0.04;
}

body.home-body--refined:not(.home-dark) .home-orb {
    opacity: 0.18;
}

body.home-body--refined .home-nav__inner {
    margin-top: 0;
    padding: 8px 0;
    border-radius: 0;
    background: transparent;
    border: none;
    box-shadow: none;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    gap: clamp(10px, 1.6vw, 20px);
    min-height: 68px;
}

/* Fixed header — premium glass bar with gold rule (matches footer) */
body.home-body--refined .home-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 200;
    padding: 0;
    padding-top: env(safe-area-inset-top);
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(252, 248, 245, 0.96) 100%);
    backdrop-filter: saturate(180%) blur(20px);
    -webkit-backdrop-filter: saturate(180%) blur(20px);
    border-bottom: none;
    box-shadow: 0 10px 32px rgba(74, 35, 26, 0.06);
    transition: background 0.35s var(--home-ease), box-shadow 0.35s var(--home-ease);
}

body.home-body--refined .home-nav__rule {
    display: block;
    height: 2px;
    width: 100%;
    background: linear-gradient(
        90deg,
        transparent 0%,
        var(--home-gold) 18%,
        var(--home-gold-soft) 50%,
        var(--home-gold) 82%,
        transparent 100%
    );
    opacity: 0.92;
}

body.home-body--refined.home-dark .home-nav {
    background:
        linear-gradient(180deg, rgba(26, 16, 14, 0.98) 0%, rgba(32, 20, 17, 0.96) 100%);
    box-shadow: 0 12px 36px rgba(0, 0, 0, 0.35);
}

body.home-body--refined.home-dark .home-nav__inner {
    background: transparent;
    border: none;
}

body.home-body--refined .home-logo__plate {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 6px 12px;
    border-radius: 14px;
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-primary) 10%, transparent);
    box-shadow:
        0 8px 22px rgba(74, 35, 26, 0.08),
        inset 0 1px 0 rgba(255, 255, 255, 0.9);
    transition: transform 0.35s var(--home-ease), box-shadow 0.35s var(--home-ease), border-color 0.25s ease;
}

body.home-body--refined .home-logo:hover .home-logo__plate {
    transform: translateY(-1px);
    border-color: color-mix(in srgb, var(--home-gold) 45%, var(--home-border));
    box-shadow:
        0 12px 28px rgba(74, 35, 26, 0.12),
        0 0 0 1px color-mix(in srgb, var(--home-gold) 22%, transparent);
}

body.home-body--refined.home-dark .home-logo__plate {
    background: rgba(255, 255, 255, 0.97);
    border-color: rgba(245, 217, 168, 0.28);
}

body.home-body--refined .home-nav__links {
    gap: 2px;
    padding: 4px;
    border-radius: 14px;
    background: color-mix(in srgb, var(--home-primary) 4.5%, transparent);
    border: 1px solid color-mix(in srgb, var(--home-primary) 7%, transparent);
}

body.home-body--refined .home-nav__links a {
    font-size: 13.5px;
    font-weight: 600;
    color: var(--home-muted);
    padding: 8px 12px;
    border-radius: 10px;
    letter-spacing: 0.01em;
    transition: color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}

body.home-body--refined .home-nav__links a::after {
    display: none;
}

body.home-body--refined .home-nav__links a:hover {
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 8%, #fff);
}

body.home-body--refined .home-nav__links a.is-active {
    color: #fff;
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary));
    box-shadow: 0 6px 16px color-mix(in srgb, var(--home-primary) 28%, transparent);
}

body.home-body--refined.home-dark .home-nav__links {
    background: color-mix(in srgb, var(--home-accent) 10%, transparent);
    border-color: color-mix(in srgb, var(--home-accent) 18%, transparent);
}

body.home-body--refined.home-dark .home-nav__links a.is-active {
    color: #1A100E;
    background: linear-gradient(145deg, var(--home-gold-soft), var(--home-gold));
    box-shadow: 0 6px 18px rgba(212, 160, 84, 0.28);
}

body.home-body--refined.home-dark .home-nav__links a:hover {
    color: var(--home-gold-soft);
    background: color-mix(in srgb, var(--home-accent) 16%, transparent);
}

body.home-body--refined .home-nav__divider {
    display: inline-block;
    width: 1px;
    height: 22px;
    background: linear-gradient(180deg, transparent, color-mix(in srgb, var(--home-primary) 28%, transparent), transparent);
    flex-shrink: 0;
}

body.home-body--refined .home-nav__login {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 10px;
    border-radius: 10px;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--home-primary);
    white-space: nowrap;
    transition: color 0.2s ease, background 0.2s ease;
}

body.home-body--refined .home-nav__login i {
    font-size: 13px;
    opacity: 0.85;
}

body.home-body--refined .home-nav__login:hover {
    color: var(--home-primary-dark);
    background: color-mix(in srgb, var(--home-primary) 7%, transparent);
}

body.home-body--refined.home-dark .home-nav__login {
    color: var(--home-gold-soft);
}

body.home-body--refined.home-dark .home-nav__login:hover {
    background: color-mix(in srgb, var(--home-accent) 14%, transparent);
}

body.home-body--refined .home-nav__theme {
    border-radius: 12px;
    border-color: color-mix(in srgb, var(--home-primary) 12%, var(--home-border));
    background: color-mix(in srgb, var(--home-primary) 4%, #fff);
}

body.home-body--refined .home-nav__theme:hover {
    color: var(--home-primary);
    border-color: color-mix(in srgb, var(--home-gold) 40%, var(--home-border));
}

body.home-body--refined .home-nav__cta {
    padding-inline: 16px;
    border-radius: 12px;
    font-size: 13.5px;
    letter-spacing: 0.01em;
}

body.home-body--refined .home-nav__cta i {
    transition: transform 0.28s var(--home-ease);
}

body.home-body--refined .home-nav__cta:hover i {
    transform: translateX(3px);
}

body.home-body--refined .home-nav.is-scrolled {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.99) 0%, rgba(250, 246, 243, 0.98) 100%);
    box-shadow: 0 14px 40px rgba(74, 35, 26, 0.1);
}

body.home-body--refined.home-dark .home-nav.is-scrolled {
    background:
        linear-gradient(180deg, rgba(26, 16, 14, 0.99) 0%, rgba(30, 18, 15, 0.98) 100%);
    box-shadow: 0 16px 44px rgba(0, 0, 0, 0.45);
}

body.home-body--refined .home-topbar {
    background: var(--home-primary-dark);
}

body.home-body--refined .home-feature-card,
body.home-body--refined .home-loan-card,
body.home-body--refined .home-security-card {
    border-radius: 20px;
    box-shadow: 0 4px 20px rgba(74, 35, 26, 0.05);
}

body.home-body--refined .home-section__head h2 {
    letter-spacing: -0.03em;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.home-container {
    width: min(calc(100% - var(--home-gutter) * 2), var(--home-max));
    margin-inline: auto;
}

/* ── Scene ── */
.home-scene { position: relative; min-height: 100vh; }

.home-scene__bg {
    position: fixed;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    background:
        radial-gradient(ellipse 80% 55% at 5% 0%, color-mix(in srgb, var(--home-primary) 14%, transparent), transparent 55%),
        radial-gradient(ellipse 65% 45% at 98% 85%, color-mix(in srgb, var(--home-accent) 10%, transparent), transparent 50%),
        linear-gradient(170deg, var(--home-bg) 0%, var(--home-bg-alt) 50%, var(--home-bg) 100%);
}

.home-scene__mesh {
    position: fixed;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    opacity: 0.15;
    background-image:
        linear-gradient(color-mix(in srgb, var(--home-primary) 8%, transparent) 1px, transparent 1px),
        linear-gradient(90deg, color-mix(in srgb, var(--home-primary) 8%, transparent) 1px, transparent 1px);
    background-size: 64px 64px;
    mask-image: radial-gradient(ellipse 80% 70% at 50% 30%, #000 10%, transparent 75%);
    -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 30%, #000 10%, transparent 75%);
}

.home-scene__grain {
    position: fixed;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    opacity: 0.03;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

.home-orb {
    position: fixed;
    border-radius: 50%;
    filter: blur(90px);
    pointer-events: none;
    z-index: 0;
    opacity: 0.4;
}

.home-orb--1 {
    width: 480px;
    height: 480px;
    top: -140px;
    right: -100px;
    background: color-mix(in srgb, var(--home-primary) 30%, transparent);
}

.home-orb--2 {
    width: 380px;
    height: 380px;
    bottom: 8%;
    left: -120px;
    background: color-mix(in srgb, var(--home-accent) 22%, transparent);
}

.home-scene > .home-topbar,
.home-scene > main,
.home-scene > footer {
    position: relative;
    z-index: 1;
}

.home-scene > header {
    z-index: 200;
}

/* ── Top bar ── */
.home-topbar {
    background: var(--home-primary-dark);
    color: rgba(255, 255, 255, 0.9);
    font-size: 12px;
    font-weight: 500;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.home-topbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    min-height: var(--home-topbar-h);
    gap: 16px;
}

.home-topbar__left,
.home-topbar__right {
    display: flex;
    align-items: center;
    gap: 20px;
}

.home-topbar a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: rgba(255, 255, 255, 0.85);
    transition: color 0.2s;
}

.home-topbar a:hover { color: #fff; }

.home-topbar i { font-size: 11px; color: var(--home-accent-light); }

.home-topbar__portal {
    padding: 4px 12px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.18);
    font-weight: 600;
}

.home-topbar__portal:hover {
    background: rgba(255, 255, 255, 0.16);
    color: #fff !important;
}

/* ── Navigation ── */
.home-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 200;
    padding: 8px 0;
    padding-top: max(8px, env(safe-area-inset-top));
    transition: background 0.35s var(--home-ease), box-shadow 0.35s var(--home-ease);
}

.home-nav.is-scrolled {
    background: var(--home-glass);
    backdrop-filter: saturate(180%) blur(20px);
    -webkit-backdrop-filter: saturate(180%) blur(20px);
    box-shadow: 0 1px 0 var(--home-border), var(--home-shadow-sm);
}

.home-nav__inner {
    width: min(calc(100% - var(--home-gutter) * 2), var(--home-max));
    margin-inline: auto;
    display: flex;
    align-items: center;
    gap: clamp(12px, 2vw, 24px);
    min-height: var(--home-nav-h);
}

.home-nav__mobile-cta {
    display: none;
}

.home-nav-backdrop {
    position: fixed;
    inset: 0;
    z-index: 280;
    background: rgba(26, 16, 14, 0.55);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.35s var(--home-ease), visibility 0.35s;
}

body.home-nav-open .home-nav-backdrop {
    opacity: 1;
    visibility: visible;
}

/* ── Animated hamburger ── */
.home-hamburger {
    display: none;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    min-width: 44px;
    min-height: 44px;
    padding: 0;
    border: 1px solid var(--home-border);
    border-radius: 12px;
    background: var(--home-surface-solid);
    color: var(--home-primary);
    cursor: pointer;
    touch-action: manipulation;
    transition: background 0.2s, border-color 0.2s, color 0.2s;
}

.home-hamburger__line {
    display: block;
    width: 20px;
    height: 2px;
    border-radius: 999px;
    background: currentColor;
    transition: transform 0.32s var(--home-ease), opacity 0.22s, width 0.22s;
    transform-origin: center;
}

body.home-nav-open .home-hamburger .home-hamburger__line:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

body.home-nav-open .home-hamburger .home-hamburger__line:nth-child(2) {
    opacity: 0;
    width: 0;
}

body.home-nav-open .home-hamburger .home-hamburger__line:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

body.home-nav-open .home-hamburger {
    color: var(--home-primary);
    border-color: color-mix(in srgb, var(--home-primary) 25%, var(--home-border));
}

/* ── Mobile drawer ── */
.home-drawer {
    position: fixed;
    inset: 0;
    z-index: 300;
    pointer-events: none;
    visibility: hidden;
}

body.home-nav-open .home-drawer {
    pointer-events: auto;
    visibility: visible;
}

.home-drawer__panel {
    position: absolute;
    top: 0;
    right: 0;
    width: var(--home-drawer-w);
    height: 100%;
    height: 100dvh;
    display: flex;
    flex-direction: column;
    gap: 20px;
    padding: max(20px, env(safe-area-inset-top)) 20px max(24px, env(safe-area-inset-bottom));
    background: var(--home-surface-solid);
    border-left: 1px solid var(--home-border);
    box-shadow: -16px 0 48px rgba(26, 16, 14, 0.18);
    transform: translateX(105%);
    transition: transform 0.38s var(--home-ease);
    overflow-x: hidden;
    overflow-y: hidden;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none !important;
    -ms-overflow-style: none !important;
}

.home-drawer__panel::-webkit-scrollbar,
.home-drawer::-webkit-scrollbar,
.home-drawer__nav::-webkit-scrollbar {
    display: none !important;
    width: 0 !important;
    height: 0 !important;
    background: transparent !important;
}

body.home-nav-open .home-drawer__panel {
    transform: translateX(0);
}

.home-drawer__head {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 12px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--home-border);
}

.home-drawer__brand {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 0;
}

.home-drawer__logo-plate {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    padding: 8px 10px;
    border-radius: 14px;
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, transparent);
    box-shadow: 0 8px 20px rgba(74, 35, 26, 0.08);
}

.home-drawer__brand img {
    height: 48px;
    width: auto;
    max-width: 120px;
    object-fit: contain;
    flex-shrink: 0;
}

.home-drawer__brand strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: var(--home-text);
    line-height: 1.2;
}

.home-drawer__brand span {
    display: block;
    font-size: 11px;
    color: var(--home-muted);
    margin-top: 2px;
}

.home-drawer__close {
    width: 44px;
    height: 44px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--home-border);
    border-radius: 12px;
    background: var(--home-bg);
    color: var(--home-muted);
    cursor: pointer;
    font-size: 18px;
    transition: color 0.2s, border-color 0.2s, background 0.2s;
}

.home-drawer__close:hover {
    color: var(--home-primary);
    border-color: color-mix(in srgb, var(--home-primary) 25%, var(--home-border));
}

.home-drawer__nav {
    display: flex;
    flex-direction: column;
    gap: 6px;
    flex: 1;
    min-height: 0;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none !important;
    -ms-overflow-style: none !important;
}

.home-drawer__nav a {
    display: flex;
    align-items: center;
    gap: 14px;
    min-height: 52px;
    padding: 12px 14px;
    border-radius: 14px;
    font-size: 15px;
    font-weight: 600;
    color: var(--home-text);
    transition: background 0.2s, color 0.2s;
}

.home-drawer__nav a > i:first-child {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 10%, transparent);
    flex-shrink: 0;
}

.home-drawer__nav a span {
    flex: 1;
}

.home-drawer__chev {
    font-size: 11px !important;
    width: auto !important;
    height: auto !important;
    background: none !important;
    color: var(--home-muted) !important;
    opacity: 0.5;
}

.home-drawer__nav a:hover,
.home-drawer__nav a.is-active {
    background: color-mix(in srgb, var(--home-primary) 8%, transparent);
    color: var(--home-primary);
}

.home-drawer__nav a.is-active > i:first-child {
    background: color-mix(in srgb, var(--home-primary) 16%, transparent);
}

.home-drawer__extras {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}

.home-drawer__extra {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 6px;
    min-height: 72px;
    padding: 12px 10px;
    border-radius: 14px;
    border: 1px solid var(--home-border);
    background: var(--home-bg);
    color: var(--home-text);
    font-size: 12px;
    font-weight: 600;
    text-align: center;
    cursor: pointer;
    transition: border-color 0.2s, background 0.2s;
}

.home-drawer__extra i {
    font-size: 18px;
    color: var(--home-primary);
}

.home-drawer__extra:hover {
    border-color: color-mix(in srgb, var(--home-primary) 22%, var(--home-border));
}

.home-drawer__cta {
    margin-top: auto;
}

/* ── Bottom task bar ── */
.home-tabbar {
    display: none;
    position: fixed;
    z-index: 190;
    left: max(var(--home-gutter), env(safe-area-inset-left));
    right: max(var(--home-gutter), env(safe-area-inset-right));
    bottom: max(10px, env(safe-area-inset-bottom));
    min-height: var(--home-tabbar-h);
    padding: 8px 10px;
    border-radius: 20px;
    background: var(--home-glass);
    backdrop-filter: saturate(180%) blur(20px);
    -webkit-backdrop-filter: saturate(180%) blur(20px);
    border: 1px solid var(--home-border);
    box-shadow: 0 8px 32px rgba(74, 35, 26, 0.14), 0 2px 8px rgba(74, 35, 26, 0.06);
    align-items: stretch;
    justify-content: space-around;
    gap: 4px;
}

.home-tabbar__item {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    min-height: 52px;
    padding: 6px 4px;
    border: none;
    border-radius: 14px;
    background: transparent;
    color: var(--home-muted);
    font-family: var(--home-font);
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0.02em;
    cursor: pointer;
    touch-action: manipulation;
    transition: color 0.2s, background 0.2s;
    -webkit-tap-highlight-color: transparent;
}

.home-tabbar__item i {
    font-size: 18px;
    transition: transform 0.2s var(--home-ease);
}

.home-tabbar__item.is-active {
    color: var(--home-primary);
}

.home-tabbar__item.is-active i {
    transform: scale(1.08);
}

.home-tabbar__item--primary {
    position: relative;
    color: var(--home-primary);
    padding-top: 0;
}

.home-tabbar__fab {
    width: 46px;
    height: 46px;
    margin-top: -22px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    font-size: 18px;
    color: #fff;
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary));
    box-shadow: 0 8px 24px rgba(74, 35, 26, 0.28);
    border: 3px solid var(--home-surface-solid);
    transition: transform 0.2s var(--home-ease), box-shadow 0.2s;
}

.home-tabbar__item--primary.is-active .home-tabbar__fab,
.home-tabbar__item--primary:active .home-tabbar__fab {
    transform: scale(1.05);
    box-shadow: 0 10px 28px rgba(74, 35, 26, 0.34);
}

.home-tabbar__item--menu.is-active {
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 10%, transparent);
}

body.home-nav-open .home-tabbar__item--menu {
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 10%, transparent);
}

.home-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.home-logo--brand {
    flex-shrink: 0;
}

.home-logo__plate {
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.home-logo__brand-image {
    display: block;
    height: 52px;
    width: auto;
    max-width: 220px;
    object-fit: contain;
}

.home-logo__brand-image--footer {
    height: 64px;
    max-width: 260px;
    padding: 10px 14px;
    border-radius: 14px;
    background: rgba(255, 255, 255, 0.96);
    box-shadow: 0 10px 28px rgba(0, 0, 0, 0.22), 0 0 0 1px rgba(255, 255, 255, 0.08);
}

.home-logo__icon {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: #fff;
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary));
    box-shadow: var(--home-shadow-accent);
}

.home-logo__image-wrap {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    overflow: hidden;
    flex-shrink: 0;
    box-shadow: var(--home-shadow-sm);
}

.home-logo__image {
    width: 100%;
    height: 100%;
    object-fit: contain;
    background: var(--home-surface-solid);
}

.home-logo__text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.home-logo__text strong {
    font-size: 16px;
    font-weight: 700;
    letter-spacing: -0.02em;
    color: var(--home-text);
}

.home-logo__text small {
    font-size: 11px;
    color: var(--home-muted);
    font-weight: 500;
}

.home-nav__links {
    display: flex;
    align-items: center;
    gap: 32px;
    margin-left: auto;
}

.home-nav__links a {
    font-size: 14px;
    font-weight: 500;
    color: var(--home-muted);
    position: relative;
    transition: color 0.2s;
}

.home-nav__links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--home-accent);
    border-radius: 999px;
    transition: width 0.25s var(--home-ease);
}

.home-nav__links a:hover {
    color: var(--home-primary);
}

.home-nav__links a:hover::after { width: 100%; }

.home-nav__links a.is-active {
    color: var(--home-primary);
    font-weight: 600;
}

.home-nav__links a.is-active::after { width: 100%; }

.home-nav__actions {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-left: auto;
}

.home-nav__links + .home-nav__actions { margin-left: 0; }

.home-nav__login {
    white-space: nowrap;
}

.home-nav__divider,
.home-nav__rule {
    display: none;
}

.home-nav__links--desktop { margin-left: auto; }

.home-icon-btn {
    width: 44px;
    height: 44px;
    min-width: 44px;
    min-height: 44px;
    border: 1px solid var(--home-border);
    border-radius: 12px;
    background: var(--home-surface-solid);
    color: var(--home-muted);
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: color 0.2s, border-color 0.2s;
}

.home-icon-btn:hover {
    color: var(--home-primary);
    border-color: color-mix(in srgb, var(--home-primary) 25%, var(--home-border));
}

/* ── Buttons ── */
.home-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 44px;
    padding: 12px 20px;
    border-radius: 12px;
    font-size: clamp(13px, 1.6vw, 14px);
    font-weight: 600;
    border: 1px solid transparent;
    cursor: pointer;
    transition: transform 0.2s var(--home-ease), box-shadow 0.2s, background 0.2s;
    white-space: nowrap;
    touch-action: manipulation;
}

.home-btn:hover { transform: none; }

@media (hover: hover) and (pointer: fine) {
    .home-btn:hover { transform: translateY(-1px); }
}

.home-btn--primary {
    color: #fff;
    background: linear-gradient(135deg, var(--home-primary), var(--home-primary-dark));
    box-shadow: 0 8px 24px color-mix(in srgb, var(--home-primary) 35%, transparent);
}

.home-btn--primary:hover {
    box-shadow: 0 12px 32px color-mix(in srgb, var(--home-primary) 42%, transparent);
}

.home-btn--accent {
    color: #fff;
    background: linear-gradient(135deg, var(--home-accent), var(--home-primary));
    box-shadow: var(--home-shadow-accent);
}

.home-btn--ghost {
    color: var(--home-muted);
    background: transparent;
}

.home-btn--ghost:hover { color: var(--home-primary); }

.home-btn--outline {
    color: var(--home-text);
    background: var(--home-surface-solid);
    border-color: var(--home-border);
    box-shadow: var(--home-shadow-sm);
}

.home-btn--outline:hover {
    border-color: color-mix(in srgb, var(--home-primary) 30%, var(--home-border));
    color: var(--home-primary);
}

.home-btn--white {
    color: var(--home-primary-dark);
    background: #fff;
    box-shadow: 0 8px 28px rgba(0, 0, 0, 0.12);
}

.home-btn--lg {
    padding: 14px 24px;
    font-size: 15px;
    border-radius: 14px;
}

.home-btn--block { width: 100%; }

/* ── Hero ── */
.home-hero {
    position: relative;
    padding: 0;
    overflow: hidden;
}

.home-hero--cinema {
    margin-bottom: clamp(48px, 8vw, 72px);
}

.home-hero__below {
    position: relative;
    z-index: 3;
    padding: clamp(28px, 4vw, 48px) 0 clamp(20px, 3vw, 32px);
    background: var(--home-bg);
}

/* Premium toolbar — social proof + quick links */
.home-hero__toolbar {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: clamp(16px, 2.5vw, 24px);
    margin-bottom: clamp(24px, 3.5vw, 36px);
    padding: clamp(16px, 2.5vw, 22px) clamp(20px, 3vw, 28px);
    border-radius: 20px;
    background: linear-gradient(165deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 32%, #fff) 100%);
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, var(--home-border));
    box-shadow:
        0 1px 2px rgba(74, 35, 26, 0.04),
        0 12px 36px rgba(74, 35, 26, 0.08);
    position: relative;
    overflow: hidden;
}

.home-hero__toolbar::before {
    content: '';
    position: absolute;
    top: 0;
    left: 10%;
    right: 10%;
    height: 2px;
    background: linear-gradient(90deg, transparent, rgba(212, 175, 55, 0.5), transparent);
    opacity: 0.85;
}

.home-hero__below .home-hero__social {
    margin-bottom: 0;
    padding: 0;
    border: none;
    box-shadow: none;
    background: transparent;
    max-width: none;
}

.home-hero__below .home-hero__quick {
    margin-bottom: 0;
}

/* Premium hero showcase panel */
.home-hero__premium-panel {
    display: flex;
    flex-direction: column;
    gap: clamp(20px, 3vw, 28px);
    padding-bottom: clamp(8px, 1.5vw, 12px);
}

.home-hero__foot-wrap {
    position: relative;
    z-index: 5;
    margin-top: clamp(20px, 3vw, 32px);
    pointer-events: none;
}

/* Cinema slide backgrounds (Yehulu-style full-bleed, Hasset-branded) */
.home-hero-slider--cinema {
    margin-bottom: 0;
    border-radius: 0;
    position: relative;
    z-index: 1;
}

.home-hero-slider--cinema .home-hero-slider__viewport {
    border-radius: 0;
    min-height: clamp(480px, var(--home-hero-view-h, calc(100svh - var(--home-header-h, 88px))), 760px);
}

.home-hero-slide {
    min-height: clamp(480px, var(--home-hero-view-h, calc(100svh - var(--home-header-h, 88px))), 760px);
    display: flex;
    align-items: center;
}

.home-hero-slider--cinema .home-hero-slide {
    position: relative;
    width: 100%;
}

.home-hero-slide__cinema {
    position: absolute;
    inset: 0;
    z-index: 0;
    overflow: hidden;
}

.home-hero-slide__photo {
    position: absolute;
    inset: 0;
    overflow: hidden;
    background-color: #1A100E;
}

.home-hero-slide__photo-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    transform: scale(1.08);
    transition: transform 10s ease-out;
}

.home-hero-slide.is-active .home-hero-slide__photo-img {
    transform: scale(1);
}

.home-hero-slide__photo.is-fallback {
    background-size: cover;
    background-position: center;
}

.home-hero-slide__photo--trust.is-fallback {
    background-image:
        linear-gradient(135deg, rgba(50, 22, 16, 0.15), rgba(74, 35, 26, 0.05)),
        radial-gradient(ellipse 80% 60% at 80% 20%, rgba(201, 162, 39, 0.35), transparent 55%),
        radial-gradient(ellipse 60% 50% at 10% 80%, rgba(107, 58, 46, 0.5), transparent 50%),
        linear-gradient(160deg, #5A3428 0%, #321610 45%, #1A100E 100%);
}

.home-hero-slide__photo--savings.is-fallback {
    background-image:
        linear-gradient(135deg, rgba(22, 101, 52, 0.2), rgba(27, 67, 50, 0.1)),
        radial-gradient(ellipse 70% 55% at 75% 25%, rgba(74, 222, 128, 0.28), transparent 55%),
        radial-gradient(ellipse 55% 45% at 15% 75%, rgba(22, 163, 74, 0.35), transparent 50%),
        linear-gradient(160deg, #2D6A4F 0%, #1B4332 50%, #081C15 100%);
}

.home-hero-slide__photo--loans.is-fallback {
    background-image:
        linear-gradient(135deg, rgba(15, 118, 110, 0.2), rgba(19, 78, 74, 0.1)),
        radial-gradient(ellipse 75% 55% at 85% 30%, rgba(45, 212, 191, 0.25), transparent 55%),
        radial-gradient(ellipse 50% 45% at 12% 70%, rgba(20, 184, 166, 0.3), transparent 50%),
        linear-gradient(160deg, #0F766E 0%, #115E59 50%, #042F2E 100%);
}

.home-hero-slide__photo--growth.is-fallback {
    background-image:
        linear-gradient(135deg, rgba(146, 64, 14, 0.2), rgba(69, 26, 3, 0.1)),
        radial-gradient(ellipse 70% 55% at 80% 20%, rgba(251, 191, 36, 0.32), transparent 55%),
        radial-gradient(ellipse 55% 45% at 15% 80%, rgba(217, 119, 6, 0.35), transparent 50%),
        linear-gradient(160deg, #92400E 0%, #78350F 50%, #291005 100%);
}

.home-hero-slide__overlay {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(18, 10, 8, 0.82) 0%, rgba(18, 10, 8, 0.58) 45%, rgba(18, 10, 8, 0.28) 72%, rgba(18, 10, 8, 0.12) 100%),
        linear-gradient(180deg, rgba(18, 10, 8, 0.45) 0%, transparent 38%, rgba(18, 10, 8, 0.5) 100%);
}

.home-hero-slide__inner {
    position: relative;
    z-index: 2;
    width: 100%;
    padding: clamp(100px, 14vh, 140px) 0 clamp(88px, 12vh, 128px);
}

body.home-body--refined .home-hero-slide__inner {
    padding-top: clamp(40px, 6vh, 64px);
}

.home-hero-slide__inner.home-container {
    width: 100%;
    max-width: none;
    margin-inline: 0;
    padding-right: clamp(24px, 4vw, 56px);
    padding-left: clamp(40px, 7.5vw, 120px);
    box-sizing: border-box;
}

@media (min-width: 1280px) {
    .home-hero-slide__inner.home-container {
        padding-left: clamp(72px, 9vw, 148px);
    }
}

@media (min-width: 1600px) {
    .home-hero-slide__inner.home-container {
        padding-left: clamp(96px, 10vw, 168px);
    }
}

.home-hero__copy--photo {
    max-width: min(620px, 52vw);
    text-align: left;
}

.home-hero__copy--photo .home-eyebrow--light {
    border-width: 2px;
    border-color: rgba(255, 255, 255, 0.42);
    background: rgba(0, 0, 0, 0.28);
    letter-spacing: 0.14em;
    font-size: 10px;
    padding: 8px 18px;
    margin-bottom: clamp(20px, 2.8vw, 28px);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

.home-hero__copy--photo .home-eyebrow--hero.home-eyebrow--light,
.home-hero__copy--cinema .home-eyebrow--hero.home-eyebrow--light {
    color: #F8F0E6;
    background: rgba(8, 6, 5, 0.52);
    border-color: rgba(255, 255, 255, 0.48);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.35);
    text-shadow: 0 1px 10px rgba(0, 0, 0, 0.45);
}

.home-hero__copy--photo .home-eyebrow--hero.home-eyebrow--light i,
.home-hero__copy--cinema .home-eyebrow--hero.home-eyebrow--light i {
    color: #E8C872;
}

.home-hero__copy--photo h1 {
    font-family: var(--home-serif);
    font-size: clamp(2.15rem, 4.6vw, 3.65rem);
    font-weight: 600;
    line-height: 1.14;
    letter-spacing: -0.03em;
    margin-bottom: clamp(18px, 2.5vw, 26px);
}

.home-hero__copy--photo h1 em {
    font-style: italic;
    display: inline;
    padding-right: 0.06em;
}

.home-hero__copy--photo .home-lead--light {
    font-size: clamp(15px, 1.55vw, 18px);
    line-height: 1.78;
    letter-spacing: 0.012em;
    color: rgba(255, 255, 255, 0.76);
    max-width: 46ch;
    margin-bottom: clamp(24px, 3.2vw, 34px);
    font-weight: 400;
}

.home-hero__copy--photo .home-hero__cta {
    gap: 14px;
    margin-bottom: clamp(22px, 3vw, 30px);
}

.home-hero__copy--photo .home-hero__trust {
    gap: 12px 24px;
    padding-top: clamp(10px, 1.8vw, 16px);
    margin-top: 2px;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.home-hero__copy--photo .home-hero__trust li {
    font-size: 13px;
    letter-spacing: 0.02em;
    color: rgba(255, 255, 255, 0.72);
}

.home-hero__copy--cinema h1 {
    color: #fff;
    text-shadow: 0 2px 24px rgba(0, 0, 0, 0.25);
}

.home-hero__copy--cinema h1 em {
    background: linear-gradient(135deg, #F5E6C8 0%, #D4AF37 45%, #F5EDE9 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

.home-lead--light {
    color: rgba(255, 255, 255, 0.82);
    max-width: 54ch;
}

.home-eyebrow--light {
    color: rgba(245, 230, 200, 0.95);
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.22);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.home-hero__copy--cinema .home-hero__trust li {
    color: rgba(255, 255, 255, 0.78);
}

.home-hero__copy--cinema .home-hero__trust i {
    color: #D4AF37;
}

.home-hero__copy--cinema .home-btn--outline {
    color: #fff;
    border-color: rgba(255, 255, 255, 0.45);
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

@media (hover: hover) and (pointer: fine) {
    .home-hero__copy--cinema .home-btn--outline:hover {
        background: rgba(255, 255, 255, 0.16);
        border-color: rgba(255, 255, 255, 0.65);
        color: #fff;
    }
}

.home-hero-slider--cinema .home-hero-slider__chrome {
    position: absolute;
    left: 50%;
    bottom: clamp(20px, 4vh, 36px);
    transform: translateX(-50%);
    z-index: 4;
    margin-top: 0;
    padding-inline: var(--home-gutter);
    justify-content: center;
}

.home-hero-slider--cinema .home-hero-slider__arrow--edge {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    z-index: 5;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.28);
    background: color-mix(in srgb, var(--home-primary) 72%, rgba(0, 0, 0, 0.35));
    color: #fff;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
}

.home-hero-slider--cinema .home-hero-slider__arrow--edge.home-hero-slider__arrow--prev {
    left: clamp(12px, 3vw, 28px);
}

.home-hero-slider--cinema .home-hero-slider__arrow--edge.home-hero-slider__arrow--next {
    right: clamp(12px, 3vw, 28px);
}

@media (hover: hover) and (pointer: fine) {
    .home-hero-slider--cinema .home-hero-slider__arrow--edge:hover {
        background: color-mix(in srgb, var(--home-primary) 88%, rgba(0, 0, 0, 0.2));
        border-color: rgba(255, 255, 255, 0.45);
    }
}

.home-hero-slider--cinema .home-hero-slider__dots {
    background: rgba(255, 255, 255, 0.14);
    border-color: rgba(255, 255, 255, 0.22);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

.home-hero-slider--cinema .home-hero-slider__dot {
    background: rgba(255, 255, 255, 0.35);
}

.home-hero-slider--cinema .home-hero-slider__dot.is-active {
    background: rgba(255, 255, 255, 0.2);
}

.home-hero-slider--cinema .home-hero-slider__arrow {
    background: rgba(255, 255, 255, 0.14);
    border-color: rgba(255, 255, 255, 0.28);
    color: #fff;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.home-hero-slider--cinema .home-hero-slider__progress {
    opacity: 1;
    border-radius: 0;
}

.home-hero__foot-wrap .home-hero__stats,
.home-hero__foot-wrap .home-hero__scroll {
    pointer-events: auto;
}

.home-hero__foot .home-strip__grid {
    position: relative;
    border-radius: 24px;
    background: linear-gradient(180deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 28%, #fff) 100%);
    border: 1px solid color-mix(in srgb, var(--home-primary) 14%, var(--home-border));
    box-shadow:
        0 28px 72px rgba(74, 35, 26, 0.13),
        0 8px 24px rgba(74, 35, 26, 0.07),
        inset 0 1px 0 rgba(255, 255, 255, 0.95);
    overflow: hidden;
}

.home-hero__foot .home-strip__grid::before {
    content: '';
    position: absolute;
    top: 0;
    left: 8%;
    right: 8%;
    height: 3px;
    border-radius: 0 0 6px 6px;
    background: linear-gradient(90deg, transparent, #D4AF37 20%, var(--home-primary) 50%, #D4AF37 80%, transparent);
    opacity: 0.7;
    z-index: 1;
}

.home-hero__backdrop {
    position: absolute;
    inset: 0;
    pointer-events: none;
    z-index: 0;
}

.home-hero__spotlight {
    position: absolute;
    top: -20%;
    left: 50%;
    transform: translateX(-50%);
    width: min(900px, 120%);
    height: 70%;
    background: radial-gradient(ellipse at center, color-mix(in srgb, var(--home-accent) 18%, transparent) 0%, transparent 68%);
    opacity: 0.85;
}

.home-hero__aurora {
    position: absolute;
    inset: -10% -5%;
    background:
        radial-gradient(ellipse 45% 35% at 15% 20%, color-mix(in srgb, var(--home-primary) 16%, transparent), transparent 60%),
        radial-gradient(ellipse 40% 30% at 85% 30%, color-mix(in srgb, var(--home-accent-light) 14%, transparent), transparent 55%),
        radial-gradient(ellipse 50% 40% at 50% 90%, color-mix(in srgb, var(--home-primary-light) 10%, transparent), transparent 60%);
    animation: homeHeroAurora 14s ease-in-out infinite alternate;
}

.home-hero__rings {
    position: absolute;
    top: 8%;
    right: -8%;
    width: clamp(280px, 38vw, 480px);
    height: clamp(280px, 38vw, 480px);
    border-radius: 50%;
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, transparent);
    opacity: 0.5;
}

.home-hero__rings::before,
.home-hero__rings::after {
    content: '';
    position: absolute;
    inset: 12%;
    border-radius: 50%;
    border: 1px solid color-mix(in srgb, var(--home-accent) 16%, transparent);
}

.home-hero__rings::after {
    inset: 26%;
    border-color: color-mix(in srgb, var(--home-primary) 10%, transparent);
}

@keyframes homeHeroAurora {
    0% { transform: translate3d(0, 0, 0) scale(1); opacity: 0.75; }
    100% { transform: translate3d(2%, -1%, 0) scale(1.04); opacity: 1; }
}

.home-hero__shell {
    position: relative;
    z-index: 1;
}

/* ── Hero slider ── */
.home-hero-slider {
    position: relative;
    margin-bottom: clamp(20px, 3vw, 28px);
}

.home-hero-slider__viewport {
    position: relative;
    overflow: hidden;
    border-radius: var(--home-radius-lg);
}

.home-hero-slider__track {
    position: relative;
    display: grid;
    grid-template-columns: 1fr;
    grid-template-rows: 1fr;
}

.home-hero-slide {
    grid-area: 1 / 1;
    opacity: 0;
    visibility: hidden;
    transform: translateX(48px) scale(0.985);
    transition:
        opacity 0.75s var(--home-ease),
        transform 0.75s var(--home-ease),
        visibility 0.75s;
    pointer-events: none;
    z-index: 0;
}

.home-hero-slide.is-active {
    opacity: 1;
    visibility: visible;
    transform: translateX(0) scale(1);
    pointer-events: auto;
    z-index: 2;
}

.home-hero-slide.is-leaving-left {
    opacity: 0;
    transform: translateX(-48px) scale(0.985);
    z-index: 1;
}

.home-hero-slide.is-leaving-right {
    opacity: 0;
    transform: translateX(48px) scale(0.985);
    z-index: 1;
}

.home-hero-slide.is-entering-left {
    transform: translateX(-48px) scale(0.985);
}

.home-hero-slide.is-entering-right {
    transform: translateX(48px) scale(0.985);
}

.home-hero-slide.is-active.is-entering-left,
.home-hero-slide.is-active.is-entering-right {
    transform: translateX(0) scale(1);
}

.home-hero-slide .home-hero__copy > * {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity 0.55s var(--home-ease), transform 0.55s var(--home-ease);
}

.home-hero-slide.is-active .home-hero__copy > * {
    opacity: 1;
    transform: translateY(0);
}

.home-hero-slide.is-active .home-hero__copy > *:nth-child(1) { transition-delay: 0.05s; }
.home-hero-slide.is-active .home-hero__copy > *:nth-child(2) { transition-delay: 0.1s; }
.home-hero-slide.is-active .home-hero__copy > *:nth-child(3) { transition-delay: 0.15s; }
.home-hero-slide.is-active .home-hero__copy > *:nth-child(4) { transition-delay: 0.2s; }
.home-hero-slide.is-active .home-hero__copy > *:nth-child(5) { transition-delay: 0.25s; }

.home-hero-slide .home-hero__visual {
    opacity: 0;
    transform: translateX(24px) scale(0.96);
    transition: opacity 0.7s var(--home-ease) 0.1s, transform 0.7s var(--home-ease) 0.1s;
}

.home-hero-slide.is-active .home-hero__visual {
    opacity: 1;
    transform: translateX(0) scale(1);
}

.home-hero-slider__chrome {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: clamp(12px, 3vw, 20px);
    margin-top: clamp(18px, 3vw, 24px);
}

.home-hero-slider__arrow {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    border: 1px solid var(--home-border);
    background: var(--home-surface-solid);
    color: var(--home-muted);
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    box-shadow: var(--home-shadow-sm);
    transition: color 0.2s, border-color 0.2s, transform 0.2s var(--home-ease), box-shadow 0.2s;
    flex-shrink: 0;
}

@media (hover: hover) and (pointer: fine) {
    .home-hero-slider__arrow:hover {
        color: var(--home-primary);
        border-color: color-mix(in srgb, var(--home-primary) 28%, var(--home-border));
        transform: translateY(-1px);
        box-shadow: var(--home-shadow);
    }
}

.home-hero-slider__dots {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 6px 10px;
    border-radius: 999px;
    background: color-mix(in srgb, var(--home-surface-solid) 82%, transparent);
    border: 1px solid var(--home-border);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

.home-hero-slider__dot {
    position: relative;
    width: 10px;
    height: 10px;
    padding: 0;
    border: none;
    border-radius: 999px;
    background: color-mix(in srgb, var(--home-primary) 18%, transparent);
    cursor: pointer;
    overflow: hidden;
    transition: width 0.35s var(--home-ease), background 0.25s;
}

.home-hero-slider__dot.is-active {
    width: 36px;
    background: color-mix(in srgb, var(--home-primary) 14%, transparent);
}

.home-hero-slider__dot-fill {
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: linear-gradient(90deg, var(--home-primary-light), var(--home-primary));
    transform: scaleX(0);
    transform-origin: left center;
    opacity: 0;
}

.home-hero-slider__dot.is-active .home-hero-slider__dot-fill {
    opacity: 1;
    animation: homeHeroDotFill var(--hero-autoplay, 6.5s) linear forwards;
}

.home-hero-slider.is-paused .home-hero-slider__dot.is-active .home-hero-slider__dot-fill {
    animation-play-state: paused;
}

@keyframes homeHeroDotFill {
    from { transform: scaleX(0); }
    to { transform: scaleX(1); }
}

.home-hero-slider__progress {
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: 3px;
    background: color-mix(in srgb, var(--home-primary) 8%, transparent);
    border-radius: 0 0 var(--home-radius-lg) var(--home-radius-lg);
    overflow: hidden;
    opacity: 0;
    pointer-events: none;
}

@media (min-width: 901px) {
    .home-hero-slider__progress { opacity: 1; }
}

.home-hero-slider__progress-bar {
    display: block;
    height: 100%;
    width: 0;
    background: linear-gradient(90deg, var(--home-accent-light), var(--home-primary));
    border-radius: inherit;
}

.home-hero-slider.is-playing .home-hero-slider__progress-bar {
    animation: homeHeroProgress var(--hero-autoplay, 6.5s) linear forwards;
}

.home-hero-slider.is-paused .home-hero-slider__progress-bar {
    animation-play-state: paused;
}

@keyframes homeHeroProgress {
    from { width: 0; }
    to { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
    .home-hero-slide,
    .home-hero-slide .home-hero__copy > *,
    .home-hero-slide .home-hero__visual {
        transition: none !important;
    }

    .home-hero-slider__progress-bar,
    .home-hero-slider__dot.is-active .home-hero-slider__dot-fill {
        animation: none !important;
    }
}

.home-hero__dock {
    display: flex;
    flex-direction: column;
    gap: 18px;
    margin-bottom: clamp(20px, 3vw, 28px);
}

/* Slide theme accents */
.home-hero-slide--savings .home-eyebrow--hero {
    color: #166534;
    background: linear-gradient(135deg, rgba(22, 163, 74, 0.12), rgba(22, 163, 74, 0.06));
    border-color: rgba(22, 163, 74, 0.22);
}

.home-hero-slide--loans .home-eyebrow--hero {
    color: #0F766E;
    background: linear-gradient(135deg, rgba(20, 184, 166, 0.12), rgba(15, 118, 110, 0.06));
    border-color: rgba(20, 184, 166, 0.22);
}

.home-hero-slide--growth .home-eyebrow--hero {
    color: #92400E;
    background: linear-gradient(135deg, rgba(217, 119, 6, 0.14), rgba(180, 83, 9, 0.06));
    border-color: rgba(217, 119, 6, 0.24);
}

.home-hero-card--theme-savings {
    background:
        radial-gradient(ellipse 100% 80% at 100% 0%, rgba(74, 222, 128, 0.22) 0%, transparent 50%),
        radial-gradient(ellipse 80% 60% at 0% 100%, rgba(0, 0, 0, 0.28) 0%, transparent 50%),
        linear-gradient(135deg, #2D6A4F 0%, #1B4332 32%, #081C15 68%, #041008 100%);
}

.home-hero-card--theme-loans {
    background:
        radial-gradient(ellipse 100% 80% at 100% 0%, rgba(45, 212, 191, 0.22) 0%, transparent 50%),
        radial-gradient(ellipse 80% 60% at 0% 100%, rgba(0, 0, 0, 0.28) 0%, transparent 50%),
        linear-gradient(135deg, #0F766E 0%, #115E59 32%, #134E4A 68%, #042F2E 100%);
}

.home-hero-card--theme-growth {
    background:
        radial-gradient(ellipse 100% 80% at 100% 0%, rgba(251, 191, 36, 0.28) 0%, transparent 50%),
        radial-gradient(ellipse 80% 60% at 0% 100%, rgba(0, 0, 0, 0.28) 0%, transparent 50%),
        linear-gradient(135deg, #92400E 0%, #78350F 32%, #451A03 68%, #291005 100%);
}

.home-hero-showcase--savings .home-hero-card--back {
    background: linear-gradient(145deg, #2D6A4F 0%, #1B4332 100%);
}

.home-hero-showcase--loans .home-hero-card--back {
    background: linear-gradient(145deg, #0F766E 0%, #134E4A 100%);
}

.home-hero-showcase--growth .home-hero-card--back {
    background: linear-gradient(145deg, #92400E 0%, #451A03 100%);
}

.home-hero__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
    gap: clamp(32px, 5vw, 64px);
    align-items: center;
    margin-bottom: clamp(28px, 4vw, 40px);
}

.home-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--home-accent-dark);
    margin-bottom: 18px;
    padding: 6px 14px;
    border-radius: 999px;
    background: color-mix(in srgb, var(--home-accent) 12%, transparent);
    border: 1px solid color-mix(in srgb, var(--home-accent) 25%, transparent);
}

.home-eyebrow i { font-size: 11px; }

.home-eyebrow--hero {
    background: linear-gradient(135deg, color-mix(in srgb, var(--home-primary) 14%, transparent), color-mix(in srgb, var(--home-accent) 10%, transparent));
    border-color: color-mix(in srgb, var(--home-primary) 22%, transparent);
    box-shadow: 0 4px 16px color-mix(in srgb, var(--home-primary) 8%, transparent);
}

.home-hero h1 {
    font-family: var(--home-serif);
    font-size: clamp(2.35rem, 5vw, 4.25rem);
    font-weight: 600;
    line-height: 1.06;
    letter-spacing: -0.03em;
    margin-bottom: clamp(16px, 2.5vw, 22px);
}

.home-hero h1 em {
    font-style: italic;
    background: linear-gradient(135deg, var(--home-primary) 0%, var(--home-accent) 55%, var(--home-primary-light) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

.home-lead {
    font-size: clamp(15px, 2.2vw, 18px);
    line-height: 1.75;
    color: var(--home-muted);
    max-width: 52ch;
    margin-bottom: clamp(18px, 3vw, 24px);
}

/* Social proof */
.home-hero__social {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: clamp(20px, 3vw, 28px);
    padding: 12px 16px;
    border-radius: 16px;
    background: color-mix(in srgb, var(--home-surface-solid) 88%, transparent);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
    max-width: fit-content;
}

.home-hero__avatars {
    display: flex;
    align-items: center;
    flex-shrink: 0;
}

.home-hero__avatar {
    width: 38px;
    height: 38px;
    margin-left: -10px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.02em;
    color: #fff;
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary));
    border: 2px solid #fff;
    box-shadow: 0 4px 12px rgba(74, 35, 26, 0.15);
}

.home-hero__avatar:first-child { margin-left: 0; }

.home-hero__avatar:last-child {
    background: linear-gradient(145deg, #D4AF37, color-mix(in srgb, var(--home-accent) 80%, #92400E));
    font-size: 14px;
}

.home-hero__social-text strong {
    display: block;
    font-size: 14px;
    font-weight: 700;
    letter-spacing: -0.01em;
    color: var(--home-text);
    margin-bottom: 3px;
}

.home-hero__social-text span {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 3px;
    font-size: 12px;
    font-weight: 500;
    color: var(--home-muted);
    line-height: 1.4;
}

.home-hero__social-text span i {
    font-size: 10px;
    color: #D4AF37;
}

.home-hero__cta {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 20px;
}

/* Quick links */
.home-hero__quick {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 10px;
    margin-bottom: 22px;
}

.home-hero__quick-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 16px;
    border-radius: 999px;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.01em;
    color: var(--home-text);
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, var(--home-border));
    box-shadow: 0 2px 8px rgba(74, 35, 26, 0.06);
    transition: transform 0.25s var(--home-ease), border-color 0.25s, box-shadow 0.25s, color 0.25s;
}

.home-hero__quick-link i {
    font-size: 13px;
    color: var(--home-primary);
}

@media (hover: hover) and (pointer: fine) {
    .home-hero__quick-link:hover {
        transform: translateY(-2px);
        border-color: color-mix(in srgb, var(--home-primary) 28%, var(--home-border));
        box-shadow: 0 8px 20px rgba(74, 35, 26, 0.12);
        color: var(--home-primary);
    }
}

.home-hero__trust {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    gap: 10px 20px;
}

.home-hero__trust li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--home-muted);
}

.home-hero__trust i {
    color: var(--home-accent);
    font-size: 13px;
}

/* Hero highlight cards — premium editorial */
.home-hero__highlights {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: clamp(16px, 2.2vw, 22px);
}

.home-hero-highlight {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    min-height: clamp(196px, 22vw, 220px);
    padding: clamp(22px, 3vw, 28px);
    border-radius: 20px;
    background: linear-gradient(165deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 22%, #fff) 100%);
    border: 1px solid color-mix(in srgb, var(--home-primary) 10%, var(--home-border));
    box-shadow:
        0 1px 2px rgba(74, 35, 26, 0.04),
        0 14px 44px rgba(74, 35, 26, 0.09);
    transition: transform 0.35s var(--home-ease), box-shadow 0.35s, border-color 0.35s;
    position: relative;
    overflow: hidden;
}

.home-hero-highlight::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(145deg, color-mix(in srgb, var(--home-primary) 7%, transparent), transparent 58%);
    opacity: 0;
    transition: opacity 0.35s;
    pointer-events: none;
}

.home-hero-highlight::after {
    content: '';
    position: absolute;
    top: 0;
    left: 22px;
    right: 22px;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(212, 175, 55, 0.45), transparent);
    opacity: 0.8;
}

@media (hover: hover) and (pointer: fine) {
    .home-hero-highlight:hover {
        transform: translateY(-6px);
        box-shadow:
            0 4px 8px rgba(74, 35, 26, 0.06),
            0 22px 56px rgba(74, 35, 26, 0.14);
        border-color: color-mix(in srgb, var(--home-primary) 24%, var(--home-border));
    }

    .home-hero-highlight:hover::before { opacity: 1; }
    .home-hero-highlight:hover .home-hero-highlight__arrow {
        transform: translateX(3px);
        opacity: 1;
        background: color-mix(in srgb, var(--home-primary) 14%, transparent);
    }
}

.home-hero-highlight__icon {
    width: 52px;
    height: 52px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: var(--home-primary);
    background: linear-gradient(145deg, color-mix(in srgb, var(--home-primary) 14%, #fff), color-mix(in srgb, var(--home-accent) 10%, #fff));
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, transparent);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.65), 0 6px 16px rgba(74, 35, 26, 0.08);
    flex-shrink: 0;
    position: relative;
    z-index: 1;
    margin-bottom: clamp(16px, 2.2vw, 20px);
}

.home-hero-highlight__body {
    flex: 1;
    min-width: 0;
    position: relative;
    z-index: 1;
    padding-right: 36px;
}

.home-hero-highlight__metric {
    display: inline-block;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: color-mix(in srgb, var(--home-accent) 85%, var(--home-primary));
    margin-bottom: 8px;
}

.home-hero-highlight__body strong {
    display: block;
    font-family: var(--home-serif);
    font-size: clamp(1.02rem, 1.35vw, 1.15rem);
    font-weight: 600;
    letter-spacing: -0.02em;
    color: var(--home-text);
    margin-bottom: 8px;
    line-height: 1.28;
}

.home-hero-highlight__body p {
    font-size: 13px;
    line-height: 1.65;
    color: var(--home-muted);
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.home-hero-highlight__arrow {
    position: absolute;
    right: clamp(18px, 2.5vw, 22px);
    bottom: clamp(18px, 2.5vw, 22px);
    width: 34px;
    height: 34px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 7%, transparent);
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, transparent);
    opacity: 0.55;
    transition: transform 0.35s var(--home-ease), opacity 0.35s, background 0.35s;
    flex-shrink: 0;
    z-index: 1;
}

/* Trust badges row */
.home-hero__badges {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 12px 16px;
    padding: clamp(18px, 2.8vw, 24px) clamp(12px, 2vw, 20px);
    border-top: 1px solid color-mix(in srgb, var(--home-border) 70%, transparent);
    border-bottom: 1px solid color-mix(in srgb, var(--home-border) 70%, transparent);
}

.home-hero__badge {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 10px 18px;
    border-radius: 999px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.02em;
    color: var(--home-text);
    background: var(--home-surface-solid);
    border: 1px solid color-mix(in srgb, var(--home-primary) 10%, var(--home-border));
    box-shadow: 0 2px 10px rgba(74, 35, 26, 0.06);
    transition: transform 0.25s var(--home-ease), box-shadow 0.25s, border-color 0.25s;
}

@media (hover: hover) and (pointer: fine) {
    .home-hero__badge:hover {
        transform: translateY(-2px);
        box-shadow: 0 6px 18px rgba(74, 35, 26, 0.1);
        border-color: color-mix(in srgb, var(--home-primary) 22%, var(--home-border));
    }
}

.home-hero__badge i {
    font-size: 12px;
    color: color-mix(in srgb, var(--home-accent) 80%, var(--home-primary));
}

/* Hero footer: stats + scroll cue */
.home-hero__foot {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: clamp(18px, 3vw, 24px);
}

.home-hero__stats {
    width: 100%;
}

.home-hero__scroll {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: color-mix(in srgb, var(--home-muted) 90%, var(--home-primary));
    transition: color 0.25s, transform 0.25s;
    padding-top: 4px;
}

.home-hero__scroll i {
    font-size: 14px;
    animation: homeScrollBounce 2s ease-in-out infinite;
}

.home-hero__scroll:hover { color: var(--home-primary); }

@keyframes homeScrollBounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(5px); }
}

/* ── Hero showcase (premium Hasset Sacco member card) ── */
.home-hero__visual {
    position: relative;
    width: 100%;
    max-width: 100%;
}

.home-hero-showcase {
    position: relative;
    padding: clamp(12px, 3vw, 24px) clamp(8px, 2vw, 20px) clamp(8px, 2vw, 16px);
    min-height: clamp(340px, 44vw, 440px);
}

.home-hero__floats {
    display: contents;
}

.home-hero-card-stack {
    position: relative;
    max-width: 400px;
    margin-inline: auto;
    aspect-ratio: 1.586;
}

.home-hero-card {
    position: relative;
    border-radius: 22px;
    overflow: hidden;
    color: #fff;
}

.home-hero-card--back {
    position: absolute;
    inset: 14px -8px -14px 8px;
    z-index: 0;
    border-radius: 20px;
    background: linear-gradient(145deg, #5A3428 0%, #3D1F18 100%);
    border: 1px solid rgba(255, 255, 255, 0.06);
    box-shadow: 0 16px 40px rgba(50, 22, 16, 0.25);
    transform: rotate(-4deg);
    opacity: 0.55;
}

.home-hero-card--main {
    position: relative;
    z-index: 1;
    width: 100%;
    height: 100%;
    padding: clamp(22px, 4vw, 28px);
    display: flex;
    flex-direction: column;
    background:
        radial-gradient(ellipse 100% 80% at 100% 0%, rgba(201, 162, 39, 0.22) 0%, transparent 50%),
        radial-gradient(ellipse 80% 60% at 0% 100%, rgba(0, 0, 0, 0.28) 0%, transparent 50%),
        linear-gradient(135deg, #7A4A3A 0%, #4A231A 32%, #321610 68%, #26120E 100%);
    border: 1px solid rgba(255, 255, 255, 0.14);
    box-shadow:
        0 2px 0 rgba(255, 255, 255, 0.1) inset,
        0 -1px 0 rgba(0, 0, 0, 0.2) inset,
        0 28px 56px rgba(50, 22, 16, 0.38),
        0 12px 24px rgba(74, 35, 26, 0.22);
    transform: translateZ(0);
}

.home-hero-card__shine {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        115deg,
        transparent 0%,
        rgba(255, 255, 255, 0.02) 42%,
        rgba(255, 255, 255, 0.16) 50%,
        rgba(255, 255, 255, 0.02) 58%,
        transparent 100%
    );
    background-size: 200% 100%;
    animation: homeCardShine 8s ease-in-out infinite;
    pointer-events: none;
    z-index: 4;
}

.home-hero-card__glow {
    position: absolute;
    top: -35%;
    right: -15%;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201, 162, 39, 0.2) 0%, transparent 70%);
    pointer-events: none;
    z-index: 0;
}

.home-hero-card__texture {
    position: absolute;
    inset: 0;
    opacity: 0.07;
    background-image:
        repeating-linear-gradient(
            -18deg,
            transparent,
            transparent 18px,
            rgba(255, 255, 255, 0.45) 18px,
            rgba(255, 255, 255, 0.45) 19px
        );
    pointer-events: none;
    z-index: 1;
}

.home-hero-card__holo {
    position: absolute;
    top: -20%;
    right: -10%;
    width: 55%;
    height: 140%;
    background: linear-gradient(
        105deg,
        transparent 0%,
        rgba(255, 255, 255, 0.03) 35%,
        rgba(201, 162, 39, 0.12) 45%,
        rgba(255, 255, 255, 0.08) 55%,
        transparent 70%
    );
    transform: rotate(12deg);
    pointer-events: none;
    z-index: 2;
}

@keyframes homeCardShine {
    0%, 100% { background-position: 200% 0; }
    50% { background-position: -100% 0; }
}

.home-hero-card__top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: clamp(16px, 3vw, 22px);
    position: relative;
    z-index: 3;
}

.home-hero-card__chip {
    position: relative;
    width: 50px;
    height: 38px;
    border-radius: 8px;
    background: linear-gradient(145deg, #F0E0B8 0%, #D4AF37 38%, #B8941F 72%, #9A7B1A 100%);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.5) inset,
        0 4px 12px rgba(0, 0, 0, 0.3);
    overflow: hidden;
}

.home-hero-card__chip-line {
    position: absolute;
    left: 8px;
    right: 8px;
    top: 50%;
    height: 1px;
    background: rgba(74, 35, 26, 0.35);
    transform: translateY(-50%);
}

.home-hero-card__chip-line--v {
    left: 50%;
    right: auto;
    top: 6px;
    bottom: 6px;
    width: 1px;
    height: auto;
    transform: translateX(-50%);
}

.home-hero-card__nfc {
    width: 38px;
    height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.09);
    border: 1px solid rgba(255, 255, 255, 0.14);
    color: rgba(255, 255, 255, 0.78);
    font-size: 15px;
    transform: rotate(90deg);
}

.home-hero-card__brand {
    position: relative;
    z-index: 3;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: clamp(18px, 3.5vw, 26px);
}

.home-hero-card__logo {
    height: clamp(32px, 5vw, 42px);
    width: auto;
    max-width: 220px;
    object-fit: contain;
    filter: brightness(0) invert(1);
    opacity: 0.96;
}

.home-hero-card__type {
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: rgba(245, 230, 200, 0.7);
    padding: 4px 10px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    flex-shrink: 0;
}

.home-hero-card__number {
    position: relative;
    z-index: 3;
    display: flex;
    gap: clamp(10px, 2.5vw, 16px);
    margin-bottom: clamp(16px, 3vw, 22px);
    font-size: clamp(15px, 2.8vw, 19px);
    font-weight: 600;
    letter-spacing: 0.22em;
    font-variant-numeric: tabular-nums;
    color: rgba(255, 255, 255, 0.92);
    text-shadow: 0 1px 2px rgba(0, 0, 0, 0.25);
}

.home-hero-card__holder {
    position: relative;
    z-index: 3;
    display: flex;
    gap: clamp(20px, 5vw, 40px);
    margin-top: auto;
    margin-bottom: clamp(12px, 2vw, 16px);
}

.home-hero-card__holder-item small {
    display: block;
    font-size: 8px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.48);
    margin-bottom: 4px;
}

.home-hero-card__holder-item span {
    display: block;
    font-size: clamp(12px, 2.2vw, 14px);
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.94);
}

.home-hero-card__footer {
    position: relative;
    z-index: 3;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
}

.home-hero-card__coop {
    font-size: 9px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: rgba(245, 230, 200, 0.65);
}

.home-hero-card__tag {
    padding: 4px 10px;
    border-radius: 999px;
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #F5E6C8;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.18);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.home-hero-card__stripe {
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: 42px;
    background: linear-gradient(180deg, rgba(0, 0, 0, 0.15) 0%, rgba(0, 0, 0, 0.35) 100%);
    border-top: 1px solid rgba(255, 255, 255, 0.06);
    z-index: 2;
    pointer-events: none;
}

/* Floating glass pills */
.home-hero-pill {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 16px;
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.94);
    border: 1px solid rgba(255, 255, 255, 0.85);
    box-shadow:
        0 12px 32px rgba(74, 35, 26, 0.12),
        0 4px 12px rgba(74, 35, 26, 0.06),
        0 0 0 1px rgba(74, 35, 26, 0.04);
    backdrop-filter: blur(16px) saturate(160%);
    -webkit-backdrop-filter: blur(16px) saturate(160%);
    animation: homePillFloat 5s ease-in-out infinite;
}

body.home-dark .home-hero-pill {
    background: rgba(46, 30, 26, 0.92);
    border-color: rgba(255, 255, 255, 0.1);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.35);
}

.home-hero-pill__icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    flex-shrink: 0;
}

.home-hero-pill__text strong {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--home-text);
    line-height: 1.2;
    margin-bottom: 2px;
}

.home-hero-pill__text span {
    display: block;
    font-size: 11px;
    font-weight: 500;
    color: var(--home-muted);
    line-height: 1.3;
}

.home-hero-pill--savings {
    top: 4%;
    right: -4%;
    animation-delay: 0s;
}

.home-hero-pill--savings .home-hero-pill__icon {
    color: var(--home-primary);
    background: linear-gradient(145deg, rgba(166, 123, 98, 0.2), rgba(74, 35, 26, 0.12));
}

.home-hero-pill--loan {
    bottom: 32%;
    left: -6%;
    animation-delay: 1.2s;
}

.home-hero-pill--loan .home-hero-pill__icon {
    color: #15803D;
    background: linear-gradient(145deg, rgba(74, 222, 128, 0.25), rgba(22, 163, 74, 0.12));
}

.home-hero-pill--secure {
    bottom: 2%;
    right: 4%;
    animation-delay: 2.4s;
}

.home-hero-pill--secure .home-hero-pill__icon {
    color: var(--home-primary);
    background: linear-gradient(145deg, rgba(74, 35, 26, 0.14), rgba(74, 35, 26, 0.06));
}

.home-hero-pill--branch {
    top: 18%;
    left: -2%;
    animation-delay: 1.8s;
}

.home-hero-pill--branch .home-hero-pill__icon {
    color: #B45309;
    background: linear-gradient(145deg, rgba(251, 191, 36, 0.28), rgba(217, 119, 6, 0.12));
}

.home-hero-card-stack {
    transition: transform 0.4s var(--home-ease);
    transform-style: preserve-3d;
}

@media (hover: hover) and (pointer: fine) {
    .home-hero__visual.is-tilt-ready .home-hero-card-stack {
        will-change: transform;
    }
}

@keyframes homePillFloat {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* Legacy — unused */
.home-hero-card--float { display: none; }

/* ── Stats strip ── */
.home-strip { padding: 0 0 64px; }

.home-strip__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    padding: 0;
    border-radius: var(--home-radius-lg);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow);
    overflow: hidden;
}

.home-strip__item {
    text-align: center;
    padding: clamp(28px, 4vw, 40px) clamp(16px, 2.5vw, 24px);
    position: relative;
}

.home-strip__item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 22%;
    height: 56%;
    width: 1px;
    background: linear-gradient(180deg, transparent, color-mix(in srgb, var(--home-border) 90%, var(--home-primary)), transparent);
}

.home-strip__item strong {
    display: block;
    font-family: var(--home-serif);
    font-size: clamp(1.75rem, 3.2vw, 2.35rem);
    font-weight: 700;
    letter-spacing: -0.03em;
    line-height: 1.08;
    margin-bottom: 8px;
    background: linear-gradient(135deg, var(--home-primary) 0%, var(--home-primary-light) 55%, var(--home-accent) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

.home-strip__item span {
    font-size: 13px;
    color: var(--home-muted);
    font-weight: 500;
    letter-spacing: 0.02em;
    line-height: 1.4;
}

/* News section styles: see home-news-editorial.css */

/* ── Member join modal ── */
body.home-join-open,
body.home-video-open { overflow: hidden; }

.home-join-modal[hidden] { display: none !important; }

.home-join-modal {
    position: fixed;
    inset: 0;
    z-index: 1200;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.home-join-modal__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(20, 10, 8, 0.55);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.home-join-modal__panel {
    position: relative;
    width: min(480px, 100%);
    max-height: calc(100vh - 40px);
    max-height: calc(100dvh - 40px);
    overflow-y: auto;
    overscroll-behavior: contain;
    padding: clamp(24px, 5vw, 32px);
    border-radius: var(--home-radius-lg);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: 0 32px 64px rgba(50, 22, 16, 0.28);
    animation: homeJoinIn 0.35s var(--home-ease);
    scrollbar-width: thin;
    scrollbar-color: transparent transparent;
}

.home-join-modal__panel:hover {
    scrollbar-color: color-mix(in srgb, var(--home-primary) 28%, transparent) transparent;
}

.home-join-modal__panel::-webkit-scrollbar {
    width: 5px;
}

.home-join-modal__panel::-webkit-scrollbar-track {
    background: transparent;
}

.home-join-modal__panel::-webkit-scrollbar-thumb {
    background: transparent;
    border-radius: 999px;
    transition: background 0.2s;
}

.home-join-modal__panel:hover::-webkit-scrollbar-thumb {
    background: color-mix(in srgb, var(--home-primary) 30%, transparent);
}

.home-join-modal__panel::-webkit-scrollbar-thumb:hover {
    background: color-mix(in srgb, var(--home-primary) 45%, transparent);
}

@keyframes homeJoinIn {
    from { opacity: 0; transform: translateY(16px) scale(0.98); }
    to { opacity: 1; transform: none; }
}

.home-join-modal__header {
    display: flex;
    justify-content: flex-end;
    margin: -8px 0 4px;
}

.home-join-modal__close {
    position: static;
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: color-mix(in srgb, var(--home-primary) 6%, transparent);
    border: 1px solid var(--home-border);
    color: var(--home-muted);
    cursor: pointer;
    flex-shrink: 0;
}

.home-join-modal__progress {
    display: flex;
    gap: 8px;
    margin-bottom: 24px;
    padding-right: 0;
}

.home-join-modal__progress span {
    flex: 1;
    height: 4px;
    border-radius: 999px;
    background: var(--home-border);
    transition: background 0.3s;
}

.home-join-modal__progress span.is-active,
.home-join-modal__progress span.is-done {
    background: var(--home-primary);
}

.home-join-step { display: none; }
.home-join-step.is-active { display: block; }

.home-join-modal__eyebrow {
    font-size: 12px;
    font-weight: 600;
    color: var(--home-accent);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.home-join-modal h2 {
    font-family: var(--home-serif);
    font-size: clamp(1.5rem, 4vw, 1.85rem);
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--home-text);
}

.home-join-modal__sub {
    font-size: 14px;
    line-height: 1.6;
    color: var(--home-muted);
    margin-bottom: 24px;
}

.home-join-field {
    display: block;
    margin-bottom: 16px;
}

.home-join-field > span {
    display: block;
    font-size: 12px;
    font-weight: 600;
    margin-bottom: 6px;
    color: var(--home-text);
}

.home-join-field > span em {
    color: #DC2626;
    font-style: normal;
}

.home-join-field input,
.home-join-field select {
    width: 100%;
    padding: 12px 14px;
    border-radius: 12px;
    border: 1px solid var(--home-border);
    background: var(--home-bg);
    color: var(--home-text);
    font-size: 15px;
    font-family: inherit;
    transition: border-color 0.2s, box-shadow 0.2s;
}

.home-join-field input:focus,
.home-join-field select:focus {
    outline: none;
    border-color: var(--home-primary);
    box-shadow: 0 0 0 3px color-mix(in srgb, var(--home-primary) 15%, transparent);
}

.home-join-field__phone {
    display: flex;
    align-items: stretch;
    border-radius: 12px;
    border: 1px solid var(--home-border);
    overflow: hidden;
    background: var(--home-bg);
}

.home-join-field__prefix {
    display: flex;
    align-items: center;
    padding: 0 14px;
    font-size: 14px;
    font-weight: 600;
    color: var(--home-muted);
    background: color-mix(in srgb, var(--home-primary) 5%, transparent);
    border-right: 1px solid var(--home-border);
}

.home-join-field__phone input {
    border: none;
    border-radius: 0;
    box-shadow: none;
}

.home-join-otp {
    display: flex;
    gap: 8px;
    justify-content: center;
    margin-bottom: 20px;
}

.home-join-otp__digit {
    width: 44px;
    height: 52px;
    text-align: center;
    font-size: 20px;
    font-weight: 700;
    border-radius: 12px;
    border: 1px solid var(--home-border);
    background: var(--home-bg);
    color: var(--home-text);
}

.home-join-otp__digit:focus {
    outline: none;
    border-color: var(--home-primary);
    box-shadow: 0 0 0 3px color-mix(in srgb, var(--home-primary) 15%, transparent);
}

.home-join-check {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    font-size: 13px;
    line-height: 1.5;
    color: var(--home-muted);
    margin-bottom: 16px;
    cursor: pointer;
}

.home-join-check input { margin-top: 3px; flex-shrink: 0; }

.home-join-msg {
    font-size: 13px;
    margin-bottom: 16px;
    padding: 10px 12px;
    border-radius: 10px;
}

.home-join-msg.is-error {
    color: #991B1B;
    background: #FEF2F2;
    border: 1px solid #FECACA;
}

.home-join-msg.is-success {
    color: #166534;
    background: #F0FDF4;
    border: 1px solid #BBF7D0;
}

.home-join-resend {
    text-align: center;
    font-size: 13px;
    color: var(--home-muted);
    margin-top: 16px;
}

.home-join-link {
    background: none;
    border: none;
    color: var(--home-primary);
    font-weight: 600;
    font-size: 13px;
    cursor: pointer;
    font-family: inherit;
    padding: 0;
}

a.home-join-link {
    text-decoration: none;
}

a.home-join-link:hover {
    text-decoration: underline;
}

.home-join-login {
    margin: 16px 0 0;
    text-align: center;
    font-size: 13px;
    color: var(--home-muted);
    line-height: 1.5;
}

.home-join-login .home-join-link {
    margin-left: 4px;
}

.home-join-link:disabled {
    opacity: 0.45;
    cursor: not-allowed;
}

.home-join-link--back {
    display: block;
    margin: 12px auto 0;
    text-align: center;
}

.home-join-success {
    text-align: center;
    padding: 12px 0;
}

.home-join-success__icon {
    display: inline-flex;
    width: 64px;
    height: 64px;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    font-size: 28px;
    color: #16A34A;
    background: #DCFCE7;
    margin-bottom: 16px;
}

.home-join-success__ref {
    font-size: 14px;
    color: var(--home-muted);
    margin: 16px 0 24px;
}

.home-join-success__ref strong {
    color: var(--home-primary);
    font-size: 18px;
}

.home-join-success .home-btn + .home-btn {
    margin-top: 10px;
}

/* ── Sections ── */
.home-section { padding: var(--home-section-y) 0; }

.home-section--alt {
    background: color-mix(in srgb, var(--home-primary) 4%, transparent);
}

.home-section__head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 52px;
}

.home-section__head h2 {
    font-family: var(--home-serif);
    font-size: clamp(2rem, 3.5vw, 2.75rem);
    font-weight: 600;
    line-height: 1.15;
    letter-spacing: -0.02em;
    margin-bottom: 14px;
    color: var(--home-text);
}

.home-section__head h2 em {
    font-style: italic;
    color: var(--home-primary);
}

.home-section__sub {
    font-size: 16px;
    line-height: 1.65;
    color: var(--home-muted);
}

/* ── Feature grid ── */
.home-features {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: clamp(14px, 2.5vw, 20px);
}

.home-feature-card {
    padding: 28px 24px;
    border-radius: var(--home-radius);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
    transition: transform 0.3s var(--home-ease), box-shadow 0.3s, border-color 0.3s;
    display: flex;
    flex-direction: column;
}

.home-feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--home-shadow);
    border-color: color-mix(in srgb, var(--home-primary) 20%, var(--home-border));
}

.home-feature-card--highlight {
    border-color: color-mix(in srgb, var(--home-accent) 35%, var(--home-border));
    background: linear-gradient(160deg, color-mix(in srgb, var(--home-accent) 6%, var(--home-surface-solid)), var(--home-surface-solid));
}

.home-feature-card__icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 10%, transparent);
    margin-bottom: 18px;
}

.home-feature-card--highlight .home-feature-card__icon {
    color: var(--home-accent-dark);
    background: color-mix(in srgb, var(--home-accent) 15%, transparent);
}

.home-feature-card h3 {
    font-size: 17px;
    font-weight: 700;
    margin-bottom: 10px;
    letter-spacing: -0.01em;
}

.home-feature-card p {
    font-size: 14px;
    line-height: 1.6;
    color: var(--home-muted);
    flex: 1;
    margin-bottom: 16px;
}

.home-feature-card__link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--home-primary);
    transition: gap 0.2s;
}

.home-feature-card__link:hover { gap: 10px; }

.home-feature-card__link i { font-size: 11px; }

/* ── Split / About ── */
.home-split {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: clamp(32px, 5vw, 56px);
    align-items: center;
}

.home-split__copy h2 {
    font-family: var(--home-serif);
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 600;
    line-height: 1.15;
    margin-bottom: 16px;
}

.home-split__copy h2 em {
    font-style: italic;
    color: var(--home-primary);
}

.home-split__copy > p {
    font-size: 15px;
    line-height: 1.7;
    color: var(--home-muted);
    margin-bottom: 24px;
}

.home-split__goals-title {
    font-size: 15px;
    font-weight: 700;
    letter-spacing: 0.02em;
    margin-bottom: 14px;
    color: var(--home-text);
}

.home-checklist {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.home-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 14px;
    font-weight: 500;
}

.home-checklist i {
    width: 22px;
    height: 22px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
    flex-shrink: 0;
    color: var(--home-accent-dark);
    background: color-mix(in srgb, var(--home-accent) 18%, transparent);
    margin-top: 1px;
}

.home-split__panel--values {
    display: flex;
    flex-direction: column;
    gap: 16px;
    padding: 0;
    background: transparent;
    border: none;
    box-shadow: none;
}

.home-value-card {
    padding: 24px;
    border-radius: var(--home-radius);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
}

.home-value-card__icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    color: var(--home-accent-dark);
    background: color-mix(in srgb, var(--home-accent) 14%, transparent);
    margin-bottom: 14px;
}

.home-value-card h3 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
}

.home-value-card p {
    font-size: 14px;
    line-height: 1.6;
    color: var(--home-muted);
}

/* —— Journey banner (premium membership promo) —— */
.home-section--journey {
    position: relative;
    background:
        radial-gradient(ellipse 80% 50% at 18% 100%, color-mix(in srgb, var(--home-accent) 9%, transparent), transparent 55%),
        radial-gradient(ellipse 55% 42% at 92% 0%, color-mix(in srgb, var(--home-primary) 7%, transparent), transparent 50%),
        var(--home-bg);
}

.home-journey {
    position: relative;
}

.home-journey__card {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
    gap: clamp(28px, 4vw, 48px);
    align-items: center;
    padding: clamp(32px, 5vw, 56px) clamp(28px, 4.5vw, 52px);
    border-radius: var(--home-radius-lg);
    background: linear-gradient(
        135deg,
        color-mix(in srgb, var(--home-primary) 94%, #000) 0%,
        var(--home-primary) 44%,
        color-mix(in srgb, var(--home-accent) 32%, var(--home-primary-dark)) 100%
    );
    border: 1px solid color-mix(in srgb, #fff 14%, transparent);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.14) inset,
        0 28px 72px color-mix(in srgb, var(--home-primary) 34%, transparent),
        0 8px 24px rgba(0, 0, 0, 0.08);
    overflow: hidden;
    color: #fff;
}

.home-journey__shine {
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: linear-gradient(125deg, rgba(255, 255, 255, 0.16) 0%, transparent 40%, transparent 100%);
    pointer-events: none;
    z-index: 1;
}

.home-journey__card::after {
    content: '';
    position: absolute;
    top: -35%;
    right: -8%;
    width: min(420px, 55vw);
    height: min(420px, 55vw);
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.05);
    pointer-events: none;
    z-index: 0;
}

.home-journey__watermark {
    position: absolute;
    left: 8%;
    bottom: -14%;
    width: clamp(180px, 24vw, 280px);
    height: auto;
    opacity: 0.07;
    pointer-events: none;
    z-index: 0;
    filter: brightness(1.15);
    user-select: none;
}

.home-journey__copy {
    position: relative;
    z-index: 2;
}

.home-journey__copy h2 {
    font-family: var(--home-serif);
    font-size: clamp(1.75rem, 3.2vw, 2.55rem);
    font-weight: 600;
    line-height: 1.14;
    letter-spacing: -0.025em;
    margin-bottom: clamp(12px, 2vw, 18px);
    color: #fff;
}

.home-journey__copy h2 em {
    font-style: italic;
    color: color-mix(in srgb, var(--home-accent-light) 88%, #fff);
}

.home-journey__copy > p {
    font-size: clamp(15px, 1.8vw, 17px);
    line-height: 1.68;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: clamp(24px, 3vw, 34px);
    max-width: 52ch;
}

.home-journey__btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    min-height: 54px;
    padding: 14px 26px 14px 16px;
    border: none;
    border-radius: 14px;
    font-family: var(--home-font);
    font-size: 15px;
    font-weight: 700;
    letter-spacing: 0.01em;
    color: var(--home-primary-dark);
    background: linear-gradient(180deg, #fff 0%, color-mix(in srgb, #fff 90%, var(--home-bg-alt)) 100%);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.95) inset,
        0 12px 32px rgba(0, 0, 0, 0.22),
        0 4px 12px rgba(74, 35, 26, 0.16);
    cursor: pointer;
    transition: transform 0.25s var(--home-ease), box-shadow 0.25s var(--home-ease);
    touch-action: manipulation;
}

.home-journey__btn i {
    width: 38px;
    height: 38px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 11px;
    font-size: 15px;
    color: #fff;
    background: linear-gradient(135deg, var(--home-accent) 0%, var(--home-primary) 100%);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.18);
    flex-shrink: 0;
}

@media (hover: hover) and (pointer: fine) {
    .home-journey__btn:hover {
        transform: translateY(-2px);
        box-shadow:
            0 1px 0 rgba(255, 255, 255, 0.95) inset,
            0 18px 42px rgba(0, 0, 0, 0.26),
            0 6px 16px rgba(74, 35, 26, 0.2);
    }
}

.home-journey__media {
    position: relative;
    z-index: 2;
}

.home-journey__video {
    position: relative;
    border-radius: 18px;
    overflow: hidden;
    aspect-ratio: 16 / 9;
    background: rgba(0, 0, 0, 0.35);
    border: 1px solid rgba(255, 255, 255, 0.16);
    box-shadow: 0 16px 48px rgba(0, 0, 0, 0.3);
}

.home-journey__video::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: inherit;
    box-shadow: 0 1px 0 rgba(255, 255, 255, 0.12) inset;
    pointer-events: none;
    z-index: 1;
}

.home-journey__video iframe {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

.home-journey__video--placeholder {
    display: block;
    width: 100%;
    cursor: pointer;
    border: 1px solid rgba(255, 255, 255, 0.16);
    padding: 0;
    font: inherit;
    color: inherit;
    text-align: inherit;
    appearance: none;
    -webkit-appearance: none;
}

.home-journey__video--placeholder:focus-visible {
    outline: 2px solid rgba(255, 255, 255, 0.95);
    outline-offset: 3px;
}

.home-journey__video--placeholder .home-journey__video-poster,
.home-journey__video--placeholder .home-journey__video-play,
.home-journey__video--placeholder .home-journey__video-poster-logo,
.home-journey__video--placeholder .home-journey__video-poster img {
    pointer-events: none;
    user-select: none;
}

.home-journey__video-poster {
    position: absolute;
    inset: 0;
    display: block;
    overflow: hidden;
    background: linear-gradient(145deg, rgba(0, 0, 0, 0.45), rgba(74, 35, 26, 0.65));
}

.home-journey__video-poster > img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.55;
    transform: scale(1.02);
}

.home-journey__video-poster-logo {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
}

.home-journey__video-poster-logo img {
    width: min(42%, 140px);
    height: auto;
    opacity: 0.92;
    filter: drop-shadow(0 8px 24px rgba(0, 0, 0, 0.35));
}

.home-journey__video-play {
    position: absolute;
    top: 50%;
    left: 50%;
    z-index: 2;
    transform: translate(-50%, -50%);
    width: 72px;
    height: 72px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0;
    padding-left: 4px;
    font-size: 22px;
    color: var(--home-primary-dark);
    background: linear-gradient(180deg, #fff 0%, color-mix(in srgb, #fff 88%, var(--home-bg-alt)) 100%);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.95) inset,
        0 14px 36px rgba(0, 0, 0, 0.32);
    transition: transform 0.25s var(--home-ease), box-shadow 0.25s var(--home-ease);
}

@media (hover: hover) and (pointer: fine) {
    .home-journey__video--placeholder:hover .home-journey__video-play {
        transform: translate(-50%, -50%) scale(1.06);
        box-shadow:
            0 1px 0 rgba(255, 255, 255, 0.95) inset,
            0 18px 44px rgba(0, 0, 0, 0.38);
    }
}

body.home-dark .home-section--journey {
    background:
        radial-gradient(ellipse 80% 50% at 18% 100%, color-mix(in srgb, var(--home-accent) 14%, transparent), transparent 55%),
        var(--home-bg);
}

body.home-dark .home-journey__card {
    border-color: color-mix(in srgb, #fff 9%, transparent);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.08) inset,
        0 28px 72px rgba(0, 0, 0, 0.48);
}

body.home-body--refined .home-journey__card {
    border-radius: 26px;
}

.home-journey__video--disabled {
    cursor: not-allowed;
    opacity: 0.88;
}

/* ── Journey video lightbox ── */
.home-video-modal[hidden] { display: none !important; }

.home-video-modal {
    position: fixed;
    inset: 0;
    z-index: 1300;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: clamp(16px, 4vw, 32px);
}

.home-video-modal__backdrop {
    position: absolute;
    inset: 0;
    background: rgba(10, 5, 4, 0.72);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.home-video-modal__panel {
    position: relative;
    width: min(960px, 100%);
    border-radius: 20px;
    overflow: hidden;
    background: #000;
    box-shadow: 0 28px 80px rgba(0, 0, 0, 0.45);
}

.home-video-modal__close {
    position: absolute;
    top: 12px;
    right: 12px;
    z-index: 2;
    width: 40px;
    height: 40px;
    border: none;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: #fff;
    background: rgba(0, 0, 0, 0.55);
    cursor: pointer;
    transition: background 0.2s var(--home-ease);
}

@media (hover: hover) and (pointer: fine) {
    .home-video-modal__close:hover {
        background: rgba(0, 0, 0, 0.78);
    }
}

.home-video-modal__frame {
    position: relative;
    aspect-ratio: 16 / 9;
    background: #000;
}

.home-video-modal__frame iframe {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

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

/* —— Loan cards (premium) —— */
.home-section--loans {
    position: relative;
    background:
        radial-gradient(ellipse 90% 60% at 50% 0%, color-mix(in srgb, var(--home-primary) 5%, transparent), transparent 55%),
        var(--home-bg);
}

/* Loans section head */
.home-loans-head {
    margin-bottom: clamp(28px, 4vw, 44px);
}

.home-loans-head__pill {
    display: inline-flex;
    align-items: center;
    margin-bottom: clamp(14px, 2vw, 20px);
    padding: 6px 14px;
    border-radius: 999px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 8%, transparent);
    border: 1px solid color-mix(in srgb, var(--home-primary) 18%, transparent);
}

.home-loans-head__row {
    display: flex;
    flex-wrap: wrap;
    align-items: flex-end;
    justify-content: space-between;
    gap: 12px 24px;
    margin-bottom: 12px;
}

.home-loans-head__title {
    font-family: var(--home-serif);
    font-size: clamp(1.85rem, 3.4vw, 2.6rem);
    font-weight: 600;
    line-height: 1.15;
    letter-spacing: -0.025em;
    margin: 0;
    color: var(--home-text);
    max-width: 18ch;
}

.home-loans-head__title em {
    font-style: italic;
    color: var(--home-primary);
}

.home-loans-head__view-all {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--home-primary);
    padding: 8px 4px;
    transition: gap 0.25s var(--home-ease), color 0.2s ease;
}

.home-loans-head__view-all:hover {
    gap: 12px;
    color: var(--home-primary-dark);
}

.home-loans-head__view-all i {
    font-size: 12px;
}

.home-loans-head__lead {
    font-size: 16px;
    line-height: 1.65;
    color: var(--home-muted);
    max-width: 54ch;
    margin: 0;
}

.home-loans-foot {
    display: flex;
    justify-content: center;
    margin-top: clamp(28px, 4vw, 40px);
}

.home-loans-foot__cta i {
    transition: transform 0.25s var(--home-ease);
}

.home-loans-foot__cta:hover i {
    transform: translateX(3px);
}

.home-loans {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: clamp(16px, 2.2vw, 22px);
    align-items: stretch;
}

.home-loans--premium {
    padding-top: 18px;
}

.home-loan-card {
    position: relative;
    display: flex;
    flex-direction: column;
    min-height: 100%;
    border-radius: 22px;
    background: linear-gradient(165deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 35%, #fff) 100%);
    border: 1px solid color-mix(in srgb, var(--home-primary) 10%, var(--home-border));
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.9) inset,
        0 12px 40px rgba(74, 35, 26, 0.07),
        0 4px 14px rgba(74, 35, 26, 0.04);
    overflow: visible;
    transition: transform 0.35s var(--home-ease), box-shadow 0.35s var(--home-ease), border-color 0.35s var(--home-ease);
}

.home-loan-card__shine {
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: linear-gradient(125deg, rgba(255, 255, 255, 0.55) 0%, transparent 42%, transparent 100%);
    pointer-events: none;
    opacity: 0.85;
    overflow: hidden;
}

.home-loan-card__body {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    flex: 1;
    padding: clamp(22px, 3vw, 28px) clamp(18px, 2.5vw, 24px) clamp(20px, 3vw, 26px);
}

.home-loan-card:hover {
    transform: translateY(-6px);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.95) inset,
        0 22px 56px rgba(74, 35, 26, 0.12),
        0 8px 22px rgba(74, 35, 26, 0.06);
    border-color: color-mix(in srgb, var(--home-primary) 18%, var(--home-border));
}

.home-loan-card--featured {
    border: 2px solid color-mix(in srgb, var(--home-primary) 42%, transparent);
    background: linear-gradient(165deg, color-mix(in srgb, var(--home-primary) 7%, #fff) 0%, #fff 38%, color-mix(in srgb, var(--home-bg-alt) 28%, #fff) 100%);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.95) inset,
        0 18px 52px rgba(74, 35, 26, 0.14),
        0 0 0 1px color-mix(in srgb, var(--home-primary) 8%, transparent);
}

.home-loan-card--featured:hover {
    transform: translateY(-8px);
}

.home-loan-card__badge {
    position: absolute;
    top: 0;
    left: 50%;
    z-index: 4;
    transform: translate(-50%, -50%);
    padding: 6px 14px;
    border-radius: 999px;
    font-family: var(--home-font);
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #fff;
    white-space: nowrap;
    background: linear-gradient(135deg, var(--home-accent) 0%, var(--home-primary) 100%);
    box-shadow: 0 6px 18px rgba(74, 35, 26, 0.22);
    pointer-events: none;
}

.home-loan-card--badged .home-loan-card__body {
    padding-top: clamp(28px, 3.5vw, 34px);
}

.home-loan-card__head {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 16px;
}

.home-loan-card__icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    border-radius: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--home-primary);
    background: linear-gradient(145deg, color-mix(in srgb, var(--home-primary) 12%, #fff), color-mix(in srgb, var(--home-accent) 8%, #fff));
    border: 1px solid color-mix(in srgb, var(--home-primary) 12%, transparent);
    box-shadow: 0 4px 12px rgba(74, 35, 26, 0.06);
}

.home-loan-card--featured .home-loan-card__icon {
    color: #fff;
    background: linear-gradient(145deg, var(--home-accent), var(--home-primary));
    border-color: transparent;
    box-shadow: 0 6px 16px rgba(74, 35, 26, 0.2);
}

.home-loan-card h3 {
    font-family: var(--home-serif);
    font-size: clamp(1.05rem, 1.8vw, 1.2rem);
    font-weight: 600;
    line-height: 1.25;
    letter-spacing: -0.02em;
    margin: 4px 0 0;
    color: var(--home-text);
}

.home-loan-card__lede {
    font-size: 14px;
    line-height: 1.62;
    color: var(--home-muted);
    margin: 0 0 18px;
    flex: 1;
}

.home-loan-card__list {
    list-style: none;
    margin: 0 0 22px;
    padding: 16px 0 0;
    border-top: 1px solid color-mix(in srgb, var(--home-primary) 8%, var(--home-border));
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.home-loan-card__list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    line-height: 1.45;
    color: var(--home-text);
}

.home-loan-card__list li i {
    flex-shrink: 0;
    margin-top: 2px;
    font-size: 12px;
    color: var(--home-accent);
}

.home-loan-card--featured .home-loan-card__list li i {
    color: var(--home-primary);
}

.home-loan-card__footer {
    margin-top: auto;
}

.home-loan-card__cta {
    font-weight: 600;
    letter-spacing: 0.01em;
}

.home-loan-card__cta i {
    font-size: 12px;
    transition: transform 0.25s var(--home-ease);
}

.home-loan-card:hover .home-loan-card__cta i {
    transform: translateX(3px);
}

.home-loan-card--featured .home-loan-card__cta {
    box-shadow: 0 8px 24px rgba(74, 35, 26, 0.22);
}

body.home-dark .home-section--loans {
    background:
        radial-gradient(ellipse 90% 60% at 50% 0%, color-mix(in srgb, var(--home-primary) 12%, transparent), transparent 55%),
        var(--home-bg);
}

body.home-dark .home-loan-card {
    background: linear-gradient(165deg, var(--home-surface) 0%, color-mix(in srgb, var(--home-primary) 6%, var(--home-bg)) 100%);
    box-shadow: 0 12px 36px rgba(0, 0, 0, 0.25);
}

body.home-dark .home-loan-card__shine {
    background: linear-gradient(125deg, rgba(255, 255, 255, 0.06) 0%, transparent 45%);
}

body.home-dark .home-loan-card--featured {
    background: linear-gradient(165deg, color-mix(in srgb, var(--home-primary) 18%, var(--home-surface)) 0%, var(--home-surface) 45%);
}

/* ── Security / Why us ── */
.home-security {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: clamp(14px, 2vw, 18px);
}

.home-security-card {
    padding: 26px 22px;
    border-radius: var(--home-radius);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    transition: border-color 0.25s, transform 0.25s;
}

.home-security-card:hover {
    border-color: color-mix(in srgb, var(--home-accent) 35%, var(--home-border));
    transform: translateY(-2px);
}

.home-security-card__icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--home-accent-dark);
    background: color-mix(in srgb, var(--home-accent) 14%, transparent);
    margin-bottom: 16px;
}

.home-security-card h3 {
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 8px;
}

.home-security-card p {
    font-size: 13px;
    line-height: 1.55;
    color: var(--home-muted);
}

/* ── Steps ── */
.home-steps {
    list-style: none;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: clamp(16px, 3vw, 24px);
}

.home-step {
    display: flex;
    gap: 18px;
    padding: 28px;
    border-radius: var(--home-radius);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
}

.home-step__num {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 800;
    color: #fff;
    background: linear-gradient(135deg, var(--home-primary-light), var(--home-primary));
    box-shadow: var(--home-shadow-accent);
}

.home-step h3 {
    font-size: 17px;
    font-weight: 700;
    margin-bottom: 8px;
}

.home-step p {
    font-size: 14px;
    line-height: 1.6;
    color: var(--home-muted);
}

/* ── Contact ── */
.home-contact {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 48px;
    align-items: start;
}

.home-contact__info h2 {
    font-family: var(--home-serif);
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 600;
    line-height: 1.15;
    margin-bottom: 14px;
}

.home-contact__info h2 em {
    font-style: italic;
    color: var(--home-primary);
}

.home-contact__info > p {
    font-size: 15px;
    line-height: 1.65;
    color: var(--home-muted);
    margin-bottom: 28px;
    max-width: 48ch;
}

.home-contact__list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.home-contact__list li {
    display: flex;
    align-items: flex-start;
    gap: 14px;
}

.home-contact__list i,
.home-contact__icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 10%, transparent);
    flex-shrink: 0;
}

.home-contact__svg {
    width: 16px;
    height: 16px;
    display: block;
}

.home-contact__list strong {
    display: block;
    font-size: 14px;
    margin-bottom: 2px;
}

.home-contact__list span {
    font-size: 14px;
    color: var(--home-muted);
}

.home-contact__card {
    padding: 32px;
    border-radius: var(--home-radius-lg);
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow);
}

.home-contact__card h3 {
    font-size: 20px;
    font-weight: 700;
    margin-bottom: 10px;
}

.home-contact__card > p {
    font-size: 14px;
    line-height: 1.6;
    color: var(--home-muted);
    margin-bottom: 24px;
}

.home-contact__card .home-btn { margin-bottom: 10px; }

.home-contact__card .home-btn:last-child { margin-bottom: 0; }

.home-branches {
    margin-top: 32px;
    padding-top: 28px;
    border-top: 1px solid var(--home-border);
}

.home-contact__branches {
    grid-column: 1 / -1;
    margin-top: 8px;
    padding-top: 28px;
    border-top: 1px solid var(--home-border);
}

.home-branches__title {
    font-family: var(--home-serif);
    font-size: 1.15rem;
    font-weight: 600;
    margin-bottom: 16px;
    color: var(--home-text);
}

.home-branches__grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 12px;
}

.home-branches__card {
    position: relative;
    padding: 16px;
    border-radius: 14px;
    background: var(--home-surface);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
}

.home-branches__badge {
    display: inline-block;
    margin-bottom: 8px;
    padding: 2px 8px;
    border-radius: 999px;
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--home-primary);
    background: rgba(74, 35, 26, 0.08);
}

.home-branches__card h4 {
    font-size: 0.95rem;
    font-weight: 600;
    margin-bottom: 6px;
}

.home-branches__card p {
    font-size: 0.82rem;
    color: var(--home-muted);
    line-height: 1.45;
}

.home-branches__card p i {
    margin-right: 6px;
    color: var(--home-accent);
}

.home-branches__phone a {
    color: var(--home-text);
    text-decoration: none;
    font-weight: 500;
}

.home-branches__phone a:hover {
    color: var(--home-accent);
    text-decoration: underline;
}

/* ── CTA ── */
.home-cta { padding: 0 0 88px; }

.home-cta__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    padding: 48px 52px;
    border-radius: var(--home-radius-lg);
    background: linear-gradient(135deg, var(--home-primary) 0%, var(--home-primary-dark) 50%, color-mix(in srgb, var(--home-accent) 25%, var(--home-primary-dark)) 100%);
    box-shadow: 0 24px 56px color-mix(in srgb, var(--home-primary) 38%, transparent);
    color: #fff;
    position: relative;
    overflow: hidden;
}

.home-cta__inner::before {
    content: '';
    position: absolute;
    top: -40%;
    right: -10%;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.06);
}

.home-cta__inner > div { position: relative; z-index: 1; }

.home-cta__inner h2 {
    font-family: var(--home-serif);
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 600;
    margin-bottom: 10px;
}

.home-cta__inner p {
    font-size: 15px;
    opacity: 0.9;
    max-width: 50ch;
}

.home-cta__inner .home-btn { position: relative; z-index: 1; flex-shrink: 0; }

/* ── Footer ── */
.home-footer {
    position: relative;
    padding: 0;
    border-top: none;
    background: transparent;
    color: rgba(255, 255, 255, 0.88);
    overflow: hidden;
}

.home-footer__inner {
    position: relative;
    padding: clamp(44px, 6vw, 68px) 0 0;
    background:
        radial-gradient(ellipse 70% 55% at 8% 0%, rgba(212, 160, 84, 0.14), transparent 52%),
        radial-gradient(ellipse 60% 50% at 100% 80%, rgba(139, 94, 72, 0.22), transparent 55%),
        linear-gradient(180deg, #2A1510 0%, #1A100E 100%);
}

.home-footer__inner::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, #D4A054 18%, #F5D9A8 50%, #D4A054 82%, transparent);
    opacity: 0.9;
}

.home-footer__backdrop {
    position: absolute;
    inset: 0;
    pointer-events: none;
    overflow: hidden;
}

.home-footer__glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(90px);
    opacity: 0.3;
}

.home-footer__glow--1 {
    width: 380px;
    height: 380px;
    top: -140px;
    left: -80px;
    background: rgba(212, 160, 84, 0.28);
}

.home-footer__glow--2 {
    width: 340px;
    height: 340px;
    bottom: -100px;
    right: -60px;
    background: rgba(74, 35, 26, 0.55);
}

.home-footer__pattern {
    position: absolute;
    inset: 0;
    opacity: 0.045;
    background-image:
        linear-gradient(rgba(245, 217, 168, 0.55) 1px, transparent 1px),
        linear-gradient(90deg, rgba(245, 217, 168, 0.55) 1px, transparent 1px);
    background-size: 42px 42px;
    mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.7), transparent 85%);
}

.home-footer__shell {
    position: relative;
    z-index: 1;
}

.home-footer__trust {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 10px 12px;
    margin-bottom: clamp(28px, 4vw, 40px);
    padding-bottom: clamp(22px, 3vw, 30px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.home-footer__trust-item {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 14px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 650;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: rgba(248, 242, 238, 0.82);
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(245, 217, 168, 0.16);
}

.home-footer__trust-item i {
    font-size: 11px;
    color: #F5D9A8;
}

.home-footer__main {
    display: grid;
    grid-template-columns: minmax(220px, 1.15fr) minmax(0, 1.7fr) minmax(210px, 1fr);
    gap: clamp(28px, 4vw, 48px);
    align-items: start;
    padding-bottom: clamp(32px, 4vw, 44px);
}

.home-footer__brand {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.home-footer__tagline {
    margin-top: 16px;
    font-size: 14px;
    line-height: 1.65;
    color: rgba(248, 242, 238, 0.68);
    max-width: 34ch;
}

.home-footer__social {
    display: flex;
    gap: 10px;
    margin-top: 22px;
}

.home-footer__social a {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    color: #F5D9A8;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(245, 217, 168, 0.22);
    transition: transform 0.25s var(--home-ease), background 0.25s ease, color 0.25s ease, border-color 0.25s ease;
}

.home-footer__social-svg {
    width: 16px;
    height: 16px;
    display: block;
}

.home-footer__social a:hover {
    transform: translateY(-3px);
    background: linear-gradient(135deg, #F5D9A8, #D4A054);
    border-color: transparent;
    color: #321610;
}

.home-footer__nav {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
    gap: clamp(16px, 2.5vw, 28px);
    align-content: start;
    min-width: 0;
}

.home-footer__col-title {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #F5D9A8;
    margin-bottom: 14px;
}

.home-footer__linklist {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.home-footer__linklist a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    padding: 7px 0;
    font-size: 14px;
    font-weight: 500;
    color: rgba(248, 242, 238, 0.72);
    text-decoration: none;
    transition: color 0.2s ease, transform 0.2s ease;
}

.home-footer__linklist a i {
    font-size: 10px;
    opacity: 0;
    transform: translateX(-4px);
    color: #F5D9A8;
    transition: opacity 0.2s ease, transform 0.2s ease;
}

.home-footer__linklist a:hover {
    color: #fff;
    transform: translateX(3px);
}

.home-footer__linklist a:hover i {
    opacity: 1;
    transform: translateX(0);
}

.home-footer__col--contact .home-footer__contact {
    margin-top: 0;
}

.home-footer__contact {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.home-footer__contact li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.home-footer__contact-icon {
    width: 32px;
    height: 32px;
    border-radius: 10px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: #F5D9A8;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(245, 217, 168, 0.16);
}

.home-footer__contact-svg {
    width: 14px;
    height: 14px;
    display: block;
}

.home-footer__contact-label {
    display: block;
    font-size: 11px;
    font-weight: 650;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: rgba(248, 242, 238, 0.45);
    margin-bottom: 3px;
}

.home-footer__contact-value {
    display: block;
    font-size: 13.5px;
    line-height: 1.45;
    color: rgba(248, 242, 238, 0.82);
    text-decoration: none;
    transition: color 0.2s ease;
}

a.home-footer__contact-value:hover {
    color: #F5D9A8;
}

.home-footer__cta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    padding: clamp(18px, 2.5vw, 24px) clamp(18px, 2.5vw, 28px);
    margin-bottom: clamp(20px, 3vw, 28px);
    border-radius: 18px;
    background: linear-gradient(135deg, rgba(245, 217, 168, 0.12), rgba(255, 255, 255, 0.04));
    border: 1px solid rgba(245, 217, 168, 0.2);
}

.home-footer__cta-eyebrow {
    margin: 0 0 4px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #F5D9A8;
}

.home-footer__cta-title {
    margin: 0;
    font-family: var(--home-serif);
    font-size: clamp(1.15rem, 2vw, 1.4rem);
    font-weight: 600;
    color: #fff;
    letter-spacing: -0.02em;
}

.home-footer__cta-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 14px 18px;
    flex-shrink: 0;
}

.home-footer__cta-secondary {
    font-size: 14px;
    font-weight: 600;
    color: rgba(248, 242, 238, 0.72);
    text-decoration: none;
    border-bottom: 1px solid rgba(245, 217, 168, 0.3);
    transition: color 0.2s ease, border-color 0.2s ease;
}

.home-footer__cta-secondary:hover {
    color: #F5D9A8;
    border-bottom-color: rgba(245, 217, 168, 0.7);
}

.home-footer__bottom {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 20px;
    padding: clamp(18px, 2.5vw, 24px) 0 clamp(24px, 3.5vw, 32px);
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    font-size: 13px;
    color: rgba(248, 242, 238, 0.48);
}

.home-footer__copy {
    margin: 0;
    font-weight: 500;
}

.home-footer__credit { font-weight: 500; margin: 0; }

.home-footer__credits {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 4px;
    text-align: right;
}

.home-footer__dev-link {
    color: #F5D9A8;
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid rgba(245, 217, 168, 0.35);
    transition: color 0.2s ease, border-color 0.2s ease;
}

.home-footer__dev-link:hover {
    color: #fff;
    border-color: rgba(255, 255, 255, 0.5);
}

.home-logo--footer .home-logo__icon {
    width: 40px;
    height: 40px;
    font-size: 18px;
}

/* ── Motion system (per-section scroll reveals) ── */
.home-motion,
.home-reveal {
    --motion-duration: 0.9s;
    --motion-delay: 0s;
    --motion-ease: cubic-bezier(0.16, 1, 0.3, 1);
    opacity: 0;
    transition:
        opacity var(--motion-duration) var(--motion-ease) var(--motion-delay),
        transform var(--motion-duration) var(--motion-ease) var(--motion-delay),
        filter var(--motion-duration) var(--motion-ease) var(--motion-delay),
        clip-path var(--motion-duration) var(--motion-ease) var(--motion-delay);
    will-change: opacity, transform, filter;
}

.home-motion.is-visible,
.home-reveal.is-visible {
    opacity: 1;
    transform: none;
    filter: none;
    clip-path: inset(0 0 0 0);
}

.home-motion--rise,
.home-reveal:not([class*="home-motion--"]) {
    transform: translate3d(0, 40px, 0);
}

.home-motion--blur-rise {
    transform: translate3d(0, 36px, 0);
    filter: blur(14px);
}

.home-motion--slide-left {
    transform: translate3d(-56px, 0, 0);
}

.home-motion--slide-right {
    transform: translate3d(56px, 0, 0);
}

.home-motion--scale {
    transform: scale(0.9);
    filter: blur(6px);
}

.home-motion--pop {
    transform: translate3d(0, 28px, 0) scale(0.94);
}

.home-motion--tilt {
    transform: perspective(900px) rotateX(10deg) translate3d(0, 32px, 0);
    transform-origin: center top;
}

.home-motion--clip {
    transform: translate3d(0, 20px, 0);
    clip-path: inset(100% 0 0 0 round 0);
}

.home-motion--glow-in {
    transform: scale(0.96);
    filter: blur(10px) brightness(1.08);
}

/* Split parents stay visible; children animate in */
.home-motion--split {
    opacity: 1;
    transform: none;
    filter: none;
    clip-path: none;
}

/* Split layouts — copy slides left, panel slides right */
.home-motion--split .home-split__copy {
    opacity: 0;
    transform: translate3d(-48px, 0, 0);
    transition: opacity 0.85s var(--motion-ease), transform 0.85s var(--motion-ease);
}

.home-motion--split .home-split__panel {
    opacity: 0;
    transform: translate3d(48px, 0, 0) scale(0.98);
    transition: opacity 0.9s var(--motion-ease) 0.1s, transform 0.9s var(--motion-ease) 0.1s;
}

.home-motion--split.is-visible .home-split__copy,
.home-motion--split.is-visible .home-split__panel {
    opacity: 1;
    transform: none;
}

.home-contact.home-motion--split .home-contact__info {
    opacity: 0;
    transform: translate3d(-48px, 0, 0);
    transition: opacity 0.85s var(--motion-ease), transform 0.85s var(--motion-ease);
}

.home-contact.home-motion--split .home-contact__card {
    opacity: 0;
    transform: translate3d(48px, 0, 0) scale(0.98);
    transition: opacity 0.9s var(--motion-ease) 0.12s, transform 0.9s var(--motion-ease) 0.12s;
}

.home-contact.home-motion--split.is-visible .home-contact__info,
.home-contact.home-motion--split.is-visible .home-contact__card {
    opacity: 1;
    transform: none;
}

/* Staggered children */
.home-motion-stagger > * {
    opacity: 0;
    transition:
        opacity 0.75s cubic-bezier(0.16, 1, 0.3, 1),
        transform 0.75s cubic-bezier(0.16, 1, 0.3, 1);
}

.home-motion-stagger--rise > * {
    transform: translate3d(0, 32px, 0);
}

.home-motion-stagger--pop > * {
    transform: translate3d(0, 24px, 0) scale(0.92);
}

.home-motion-stagger--slide > * {
    transform: translate3d(-20px, 0, 0);
}

.home-motion-stagger--cards > * {
    transform: translate3d(0, 40px, 0) scale(0.94) rotate(-1deg);
}

.home-motion-stagger--loans > * {
    transform: translate3d(0, 48px, 0) scale(0.96);
    filter: blur(4px);
}

.home-motion-stagger.is-visible > * {
    opacity: 1;
    transform: none;
    filter: none;
}

.home-motion-stagger.is-visible > *:nth-child(1) { transition-delay: 0.05s; }
.home-motion-stagger.is-visible > *:nth-child(2) { transition-delay: 0.12s; }
.home-motion-stagger.is-visible > *:nth-child(3) { transition-delay: 0.19s; }
.home-motion-stagger.is-visible > *:nth-child(4) { transition-delay: 0.26s; }
.home-motion-stagger.is-visible > *:nth-child(5) { transition-delay: 0.33s; }
.home-motion-stagger.is-visible > *:nth-child(6) { transition-delay: 0.4s; }
.home-motion-stagger.is-visible > *:nth-child(7) { transition-delay: 0.47s; }
.home-motion-stagger.is-visible > *:nth-child(8) { transition-delay: 0.54s; }

.home-reveal--delay { --motion-delay: 0.15s; }

/* ── Mobile nav open ── */
html:has(body.home-nav-open),
body.home-nav-open {
    overflow: hidden !important;
    touch-action: none;
    scrollbar-width: none !important;
    -ms-overflow-style: none !important;
}

html:has(body.home-nav-open)::-webkit-scrollbar,
body.home-nav-open::-webkit-scrollbar {
    display: none !important;
    width: 0 !important;
    height: 0 !important;
}

/* ── Responsive ── */

@media (max-width: 1200px) {
    .home-features { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .home-loans { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .home-security { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .home-footer__main {
        grid-template-columns: minmax(200px, 1fr) minmax(0, 1.4fr) minmax(200px, 0.95fr);
        gap: 28px;
    }
    .home-footer__nav { gap: 18px; }
    .home-hero__highlights { grid-template-columns: repeat(2, minmax(0, 1fr)); }

    body.home-body--refined .home-nav__links a {
        padding: 7px 9px;
        font-size: 12.5px;
    }

    body.home-body--refined .home-nav__login span {
        display: none;
    }

    body.home-body--refined .home-nav__cta {
        padding-inline: 12px;
    }
}

@media (max-width: 1024px) {
    :root { --home-nav-h: 68px; }

    .home-hero__grid {
        grid-template-columns: 1fr;
        gap: clamp(28px, 5vw, 40px);
    }

    .home-hero__copy {
        text-align: center;
        max-width: 640px;
        margin-inline: auto;
    }

    .home-hero__copy .home-eyebrow { margin-inline: auto; }
    .home-lead { margin-inline: auto; max-width: 56ch; }
    .home-hero__cta { justify-content: center; }
    .home-hero__trust { justify-content: center; }
    .home-hero__social { margin-inline: auto; }
    .home-hero__quick { justify-content: center; }
    .home-hero__badges { justify-content: center; }
    .home-hero__dock { align-items: center; text-align: center; }

    .home-hero-slide .home-hero__copy--photo {
        text-align: left;
        margin-inline: 0;
        max-width: 100%;
    }

    .home-hero-slide .home-hero__copy--photo .home-eyebrow { margin-inline: 0; }
    .home-hero-slide .home-hero__copy--photo .home-lead { margin-inline: 0; }
    .home-hero-slide .home-hero__copy--photo .home-hero__cta { justify-content: flex-start; }
    .home-hero-slide .home-hero__copy--photo .home-hero__trust { justify-content: flex-start; }

    .home-hero-slide .home-hero__copy {
        text-align: center;
        max-width: 640px;
        margin-inline: auto;
    }

    .home-hero-slide .home-hero__copy .home-eyebrow { margin-inline: auto; }
    .home-hero-slide .home-lead { margin-inline: auto; max-width: 56ch; }
    .home-hero-slide .home-hero__cta { justify-content: center; }
    .home-hero-slide .home-hero__trust { justify-content: center; }

    .home-hero__visual {
        max-width: min(520px, 100%);
        margin-inline: auto;
    }

    .home-features { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .home-security { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .home-split { grid-template-columns: 1fr; gap: clamp(28px, 4vw, 36px); }
    .home-contact { grid-template-columns: 1fr; gap: 32px; }
    .home-contact__info { text-align: center; }
    .home-contact__info > p { margin-inline: auto; }
    .home-contact__list { max-width: 420px; margin-inline: auto; }
    .home-branches__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .home-footer__main {
        grid-template-columns: 1fr 1fr;
        gap: 32px;
    }
    .home-footer__brand { grid-column: 1 / -1; max-width: 520px; }
    .home-footer__nav { grid-column: 1 / -1; grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .home-footer__col--contact { grid-column: 1 / -1; max-width: 420px; }
    .home-footer__cta { flex-wrap: wrap; }
}

@media (max-width: 900px) {
    body.home-body--refined {
        --home-hero-view-h: calc(100svh - var(--home-header-h) - var(--home-tabbar-h));
    }

    .home-nav__links--desktop { display: none; }

    .home-nav__cta,
    .home-nav__theme { display: none !important; }

    .home-nav__inner {
        justify-content: space-between;
        width: 100%;
    }

    .home-nav__actions,
    .home-nav__links + .home-nav__actions {
        margin-left: auto;
        flex-shrink: 0;
    }

    body.home-body--refined .home-nav__login {
        display: inline-flex;
    }

    body.home-body--refined .home-nav__login span {
        display: none;
    }

    .home-hamburger { display: inline-flex; }
    .home-tabbar { display: flex; }

    .home-scene > main {
        padding-bottom: calc(var(--home-tabbar-h) + env(safe-area-inset-bottom) + 28px);
    }

    .home-footer__inner {
        padding-bottom: calc(28px + var(--home-tabbar-h) + env(safe-area-inset-bottom));
    }

    .home-logo__brand-image {
        height: clamp(40px, 10vw, 48px);
        max-width: min(180px, 52vw);
    }

    body.home-body--refined .home-logo__plate {
        padding: 4px 8px;
        border-radius: 12px;
    }

    body.home-body--refined .home-nav__divider {
        display: none;
    }

    body.home-body--refined {
        --home-header-h: 76px;
    }

    body.home-body--refined .home-nav__inner {
        min-height: 60px;
        padding: 6px 0;
    }

    .home-topbar__inner {
        flex-wrap: wrap;
        justify-content: center;
        gap: 8px 16px;
        padding-block: 6px;
        min-height: auto;
    }

    .home-topbar__right span { display: none; }
}

@media (max-width: 900px) and (min-width: 769px) {
    .home-tabbar {
        left: 50%;
        right: auto;
        transform: translateX(-50%);
        width: min(520px, calc(100% - var(--home-gutter) * 2));
    }
}

@media (max-width: 768px) {
    :root {
        --home-topbar-h: 36px;
        --home-section-y: clamp(40px, 10vw, 64px);
    }

    .home-hero-slider--cinema .home-hero-slider__viewport,
    .home-hero-slider--cinema .home-hero-slide {
        min-height: clamp(420px, var(--home-hero-view-h, calc(100svh - var(--home-header-h, 88px) - var(--home-tabbar-h, 72px))), 720px);
    }

    .home-hero-slide__inner {
        padding: clamp(40px, 7vh, 64px) 0 clamp(72px, 10vh, 100px);
    }

    .home-hero-slide__inner.home-container {
        padding-left: clamp(28px, 7vw, 44px);
        padding-right: clamp(20px, 5vw, 32px);
    }

    .home-hero__copy--photo {
        max-width: 100%;
    }

    .home-hero-slider--cinema .home-hero-slider__chrome {
        bottom: clamp(20px, 4vh, 36px);
    }

    .home-hero__foot-wrap {
        margin-top: clamp(16px, 4vw, 24px);
    }

    .home-hero__toolbar {
        flex-direction: column;
        align-items: stretch;
    }

    body.home-body--refined .home-hero__quick {
        width: 100%;
        justify-content: stretch;
    }

    body.home-body--refined .home-hero__quick-link {
        flex: 1 1 calc(50% - 4px);
        justify-content: center;
    }

    body.home-body--refined .home-hero__highlights-shell {
        padding: 8px;
        border-radius: 20px;
    }

    body.home-body--refined .home-hero__highlights {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .home-hero__below .home-hero__social {
        justify-content: center;
        text-align: center;
    }

    .home-hero__avatars {
        justify-content: center;
    }

    .home-hero__social-text span {
        justify-content: center;
    }

    .home-hero__quick {
        justify-content: center;
    }

    .home-hero__quick-link {
        flex: 1 1 calc(50% - 8px);
        justify-content: center;
        min-width: 0;
    }

    .home-hero h1 {
        font-size: clamp(2rem, 8.5vw, 2.75rem);
    }

    .home-hero__cta {
        flex-direction: column;
        width: 100%;
    }

    .home-hero__cta .home-btn {
        width: 100%;
        white-space: normal;
    }

    .home-hero__trust {
        flex-direction: column;
        align-items: center;
        gap: 10px;
    }

    .home-hero__social {
        flex-direction: column;
        text-align: center;
        max-width: 100%;
        width: 100%;
    }

    .home-hero__avatars { justify-content: center; }

    .home-hero__social-text span {
        justify-content: center;
        flex-wrap: wrap;
    }

    .home-hero__quick {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        width: 100%;
    }

    .home-hero__quick-link {
        justify-content: center;
    }

    .home-hero__highlights {
        grid-template-columns: 1fr;
    }

    .home-hero-highlight {
        min-height: auto;
    }

    .home-hero__badges {
        justify-content: center;
    }

    .home-hero__scroll { display: none; }

    .home-hero-slider__arrow:not(.home-hero-slider__arrow--edge) { display: none; }

    .home-hero-slider--cinema .home-hero-slider__arrow--edge {
        width: 40px;
        height: 40px;
    }

    .home-hero-slider--cinema .home-hero-slider__arrow--edge.home-hero-slider__arrow--prev {
        left: 8px;
    }

    .home-hero-slider--cinema .home-hero-slider__arrow--edge.home-hero-slider__arrow--next {
        right: 8px;
    }

    .home-hero-showcase {
        min-height: auto;
        padding: 8px 0 0;
    }

    .home-hero__visual {
        display: block;
    }

    .home-hero__floats {
        display: grid;
        grid-template-columns: 1fr;
        gap: 10px;
        margin-top: 12px;
    }

    .home-hero-pill {
        position: static;
        animation: none;
        width: 100%;
    }

    .home-hero-card-stack {
        max-width: 100%;
    }

    .home-hero-card--back {
        inset: 10px -6px -10px 6px;
    }

    .home-hero-card__number {
        flex-wrap: wrap;
        letter-spacing: 0.16em;
    }

    .home-hero-card__holder {
        flex-wrap: wrap;
        gap: 14px 24px;
    }

    .home-strip { padding-bottom: clamp(32px, 8vw, 48px); }

    .home-strip__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        padding: 8px;
    }

    .home-strip__item {
        padding: clamp(16px, 4vw, 24px) 12px;
    }

    .home-strip__item:nth-child(2)::after { display: none; }

    .home-strip__item strong {
        font-size: clamp(22px, 6vw, 28px);
    }

    .home-features,
    .home-steps,
    .home-loans,
    .home-security {
        grid-template-columns: 1fr;
    }

    .home-section__head {
        margin-bottom: clamp(28px, 6vw, 40px);
    }

    .home-section__head h2 {
        font-size: clamp(1.65rem, 6.5vw, 2.1rem);
    }

    .home-journey__card {
        grid-template-columns: 1fr;
        text-align: left;
        padding: clamp(28px, 6vw, 40px) clamp(22px, 5vw, 32px);
    }

    .home-journey__media {
        order: 2;
        margin-top: 8px;
    }

    .home-journey__copy {
        order: 1;
    }

    .home-journey__copy > p {
        margin-inline: 0;
    }

    .home-journey__watermark {
        left: auto;
        right: -6%;
        bottom: -8%;
        width: clamp(160px, 42vw, 240px);
        opacity: 0.05;
    }

    .home-journey__btn {
        width: 100%;
        max-width: 380px;
    }

    .home-cta { padding-bottom: clamp(48px, 10vw, 72px); }

    .home-cta__inner {
        flex-direction: column;
        align-items: stretch;
        text-align: center;
        padding: clamp(28px, 6vw, 36px) clamp(20px, 5vw, 28px);
    }

    .home-cta__inner p { margin-inline: auto; }
    .home-cta__inner .home-btn { width: 100%; }

    .home-footer__main {
        grid-template-columns: 1fr;
        gap: 32px;
        text-align: center;
    }

    .home-footer__brand {
        display: flex;
        flex-direction: column;
        align-items: center;
        max-width: none;
        grid-column: auto;
    }

    .home-footer__tagline { margin-inline: auto; }
    .home-footer__social { justify-content: center; }

    .home-footer__nav {
        grid-column: auto;
        grid-template-columns: 1fr;
        gap: 28px;
        text-align: center;
    }

    .home-footer__col-title { text-align: center; }

    .home-footer__linklist a {
        justify-content: center;
    }

    .home-footer__linklist a:hover {
        transform: none;
    }

    .home-footer__linklist a i { display: none; }

    .home-footer__col--contact {
        grid-column: auto;
        max-width: none;
        text-align: left;
    }

    .home-footer__contact {
        max-width: 360px;
        margin-inline: auto;
    }

    .home-footer__cta {
        flex-direction: column;
        align-items: stretch;
        text-align: center;
    }

    .home-footer__cta-actions {
        justify-content: center;
    }

    .home-footer__bottom {
        flex-direction: column;
        align-items: center;
        text-align: center;
        gap: 12px;
    }

    .home-footer__credits {
        align-items: center;
        text-align: center;
    }

    .home-branches__grid { grid-template-columns: 1fr; }

    .home-contact__card {
        padding: clamp(24px, 5vw, 32px);
    }

    .home-step {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 480px) {
    :root { --home-gutter: 16px; }

    .home-topbar { font-size: 11px; }

    .home-topbar__left {
        gap: 12px;
        width: 100%;
        justify-content: center;
    }

    .home-topbar__left a:last-child { display: none; }

    .home-topbar__right {
        width: 100%;
        justify-content: center;
    }

    .home-orb--1 {
        width: 280px;
        height: 280px;
        right: -60px;
    }

    .home-orb--2 {
        width: 220px;
        height: 220px;
        left: -60px;
    }

    .home-strip__grid { grid-template-columns: 1fr 1fr; }

    .home-strip__item:not(:last-child)::after { display: none; }

    .home-feature-card,
    .home-loan-card,
    .home-security-card,
    .home-step,
    .home-value-card {
        padding: clamp(18px, 4vw, 24px);
    }

    .home-hero-pill__text span {
        font-size: 10px;
    }
}

@media (max-width: 360px) {
    .home-strip__grid { grid-template-columns: 1fr; }

    .home-nav__actions { gap: 6px; }

    .home-btn--lg {
        padding: 12px 16px;
        font-size: 14px;
    }

    .home-logo__brand-image { max-width: 200px; height: 56px; }
}

@media (max-height: 520px) and (orientation: landscape) {
    .home-drawer__panel {
        width: min(340px, 85vw);
    }

    .home-hero {
        padding-top: 16px;
        padding-bottom: 32px;
    }

    .home-hero__grid {
        grid-template-columns: 1fr 1fr;
        gap: 20px;
    }

    .home-hero__copy { text-align: left; }
    .home-hero__copy .home-eyebrow { margin-inline: 0; }
    .home-lead { margin-inline: 0; }
    .home-hero__cta { justify-content: flex-start; }
    .home-hero__trust {
        justify-content: flex-start;
        flex-direction: row;
        flex-wrap: wrap;
    }
}

@media (min-width: 1400px) {
    :root { --home-max: 1280px; }
    .home-hero__grid { gap: 64px; }
}

@media (hover: hover) and (pointer: fine) {
    .home-feature-card:hover { transform: translateY(-4px); }
    .home-loan-card:hover { transform: translateY(-3px); }
    .home-security-card:hover { transform: translateY(-2px); }
}

@media (hover: none) {
    .home-feature-card:hover,
    .home-loan-card:hover,
    .home-security-card:hover {
        transform: none;
    }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .home-motion,
    .home-reveal,
    .home-motion-stagger > * {
        opacity: 1;
        transform: none;
        filter: none;
        clip-path: none;
        transition: none;
    }
    .home-motion--split .home-split__copy,
    .home-motion--split .home-split__panel,
    .home-contact.home-motion--split .home-contact__info,
    .home-contact.home-motion--split .home-contact__card,
    .home-faq__item {
        opacity: 1;
        transform: none;
        transition: none;
    }
    .home-page-hero__banner,
    .home-page-hero__body {
        animation: none;
    }
    .home-hero-pill { animation: none; }
    .home-hero-card__shine { animation: none; }
    .home-hamburger__line { transition: none; }
    .home-btn:hover,
    .home-feature-card:hover,
    .home-loan-card:hover,
    .home-security-card:hover { transform: none; }
}

/* Standalone section pages */
.home-section--page {
    padding-top: clamp(3rem, 5vw, 4rem);
}

.home-section--below-hero {
    padding-top: clamp(2.5rem, 4vw, 3.5rem);
}

/* Inner-page hero — brand gradient banner + intro (no stock photos) */
.home-page-hero {
    position: relative;
    width: 100%;
}

.home-page-hero__banner {
    position: relative;
    width: 100%;
    min-height: clamp(240px, 36vw, 340px);
    overflow: hidden;
    isolation: isolate;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    border-bottom: 1px solid color-mix(in srgb, var(--home-primary-dark) 40%, transparent);
    animation: homePageHeroBannerIn 0.9s cubic-bezier(0.16, 1, 0.3, 1) both;
}

@keyframes homePageHeroBannerIn {
    from {
        opacity: 0;
        transform: translate3d(0, -8px, 0);
    }
    to {
        opacity: 1;
        transform: none;
    }
}

.home-page-hero__banner-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 90% 120% at 100% -10%, color-mix(in srgb, var(--home-accent-light) 42%, transparent), transparent 52%),
        radial-gradient(ellipse 70% 90% at -5% 110%, color-mix(in srgb, var(--home-primary-light) 38%, transparent), transparent 58%),
        linear-gradient(128deg, var(--home-primary-dark) 0%, var(--home-primary) 46%, color-mix(in srgb, var(--home-accent-dark) 72%, var(--home-primary)) 100%);
}

.home-page-hero__banner-glow {
    position: absolute;
    inset: 0;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.08) 0%, transparent 38%, rgba(0, 0, 0, 0.12) 100%),
        linear-gradient(90deg, rgba(255, 255, 255, 0.04) 0%, transparent 42%);
    pointer-events: none;
}

.home-page-hero__banner-grid {
    position: absolute;
    inset: 0;
    opacity: 0.22;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.07) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.07) 1px, transparent 1px);
    background-size: 48px 48px;
    mask-image: radial-gradient(ellipse 85% 95% at 50% 40%, #000 20%, transparent 78%);
    pointer-events: none;
}

.home-page-hero__banner-orbs {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.home-page-hero__orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(1px);
}

.home-page-hero__orb--1 {
    width: clamp(120px, 18vw, 220px);
    height: clamp(120px, 18vw, 220px);
    top: -18%;
    right: 8%;
    background: radial-gradient(circle, color-mix(in srgb, var(--home-accent-light) 55%, transparent) 0%, transparent 68%);
    animation: homePageHeroOrbFloat 14s ease-in-out infinite alternate;
}

.home-page-hero__orb--2 {
    width: clamp(80px, 12vw, 140px);
    height: clamp(80px, 12vw, 140px);
    bottom: -20%;
    left: 12%;
    background: radial-gradient(circle, color-mix(in srgb, #D4AF37 35%, transparent) 0%, transparent 70%);
    animation: homePageHeroOrbFloat 18s ease-in-out infinite alternate-reverse;
}

.home-page-hero__orb--3 {
    width: clamp(60px, 9vw, 100px);
    height: clamp(60px, 9vw, 100px);
    top: 28%;
    left: 42%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.14) 0%, transparent 72%);
    animation: homePageHeroOrbFloat 11s ease-in-out infinite alternate;
}

@keyframes homePageHeroOrbFloat {
    from { transform: translate3d(0, 0, 0) scale(1); }
    to { transform: translate3d(12px, -10px, 0) scale(1.06); }
}

/* Per-page accent washes on brand gradient */
.home-page-hero--about .home-page-hero__banner-bg {
    background:
        radial-gradient(ellipse 80% 100% at 92% 0%, color-mix(in srgb, var(--home-accent-light) 48%, transparent), transparent 55%),
        radial-gradient(ellipse 65% 85% at 0% 100%, color-mix(in srgb, var(--home-primary-light) 40%, transparent), transparent 60%),
        linear-gradient(128deg, #2A120E 0%, var(--home-primary) 50%, #5A3428 100%);
}

.home-page-hero--services .home-page-hero__banner-bg {
    background:
        radial-gradient(ellipse 75% 95% at 100% 0%, color-mix(in srgb, #1B4332 28%, var(--home-accent-light) 22%), transparent 58%),
        radial-gradient(ellipse 60% 80% at 0% 100%, color-mix(in srgb, var(--home-primary-light) 36%, transparent), transparent 62%),
        linear-gradient(128deg, var(--home-primary-dark) 0%, var(--home-primary) 48%, #3D2820 100%);
}

.home-page-hero--loans .home-page-hero__banner-bg {
    background:
        radial-gradient(ellipse 78% 100% at 95% 5%, color-mix(in srgb, #0F766E 30%, var(--home-accent-light) 18%), transparent 56%),
        radial-gradient(ellipse 68% 88% at 0% 100%, color-mix(in srgb, var(--home-primary-light) 38%, transparent), transparent 60%),
        linear-gradient(128deg, #261410 0%, var(--home-primary) 46%, #4A2E24 100%);
}

.home-page-hero--news .home-page-hero__banner-bg {
    background:
        radial-gradient(ellipse 80% 100% at 100% 0%, color-mix(in srgb, #B45309 32%, var(--home-accent-light) 20%), transparent 55%),
        radial-gradient(ellipse 65% 85% at 0% 100%, color-mix(in srgb, var(--home-primary-light) 36%, transparent), transparent 62%),
        linear-gradient(128deg, var(--home-primary-dark) 0%, #4A231A 44%, #5C3828 100%);
}

.home-page-hero--membership .home-page-hero__banner-bg {
    background:
        radial-gradient(ellipse 82% 105% at 98% -5%, color-mix(in srgb, #D4AF37 28%, var(--home-accent-light) 24%), transparent 54%),
        radial-gradient(ellipse 70% 90% at -5% 105%, color-mix(in srgb, var(--home-primary-light) 40%, transparent), transparent 58%),
        linear-gradient(128deg, #321610 0%, var(--home-primary) 50%, #6B3A2E 100%);
}

.home-page-hero--contact .home-page-hero__banner-bg {
    background:
        radial-gradient(ellipse 78% 100% at 100% 0%, color-mix(in srgb, #0F766E 24%, var(--home-accent-light) 22%), transparent 56%),
        radial-gradient(ellipse 68% 88% at 0% 100%, color-mix(in srgb, var(--home-primary-light) 38%, transparent), transparent 60%),
        linear-gradient(128deg, var(--home-primary-dark) 0%, var(--home-primary) 47%, #4A2C22 100%);
}

.home-page-hero__banner-inner {
    position: relative;
    z-index: 2;
    padding: clamp(12px, 2vw, 18px) 0 clamp(28px, 4.5vw, 44px);
    display: flex;
    flex-direction: column;
    gap: clamp(18px, 3vw, 28px);
}

.home-page-hero__banner-foot {
    position: relative;
    z-index: 2;
    padding: clamp(18px, 3vw, 28px) 0 clamp(14px, 2.5vw, 20px);
}

.home-page-hero__crumb {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
    margin: 0;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.02em;
    color: var(--home-muted);
}

.home-page-hero__crumb a {
    color: var(--home-muted);
    text-decoration: none;
    transition: color 0.2s var(--home-ease);
}

.home-page-hero__crumb a:hover {
    color: var(--home-primary);
}

.home-page-hero__crumb i {
    font-size: 10px;
    opacity: 0.45;
    color: var(--home-muted);
}

.home-page-hero__crumb [aria-current="page"] {
    color: var(--home-primary);
    font-weight: 700;
}

/* On dark brand banner — must follow base crumb rules (same specificity, later wins) */
.home-page-hero__crumb.home-page-hero__crumb--inverse {
    color: rgba(255, 255, 255, 0.78);
}

.home-page-hero__crumb.home-page-hero__crumb--inverse a {
    color: rgba(255, 255, 255, 0.88);
}

.home-page-hero__crumb.home-page-hero__crumb--inverse a:hover {
    color: #fff;
}

.home-page-hero__crumb.home-page-hero__crumb--inverse i {
    font-size: 10px;
    opacity: 0.7;
    color: rgba(255, 255, 255, 0.55);
}

.home-page-hero__crumb.home-page-hero__crumb--inverse [aria-current="page"] {
    color: #fff;
    font-weight: 700;
}

.home-page-hero__intro {
    padding: clamp(28px, 4.5vw, 44px) 0 clamp(18px, 3vw, 28px);
    background: var(--home-bg);
    border-bottom: 1px solid var(--home-border);
    animation: homePageHeroIntroIn 0.75s cubic-bezier(0.16, 1, 0.3, 1) 0.12s both;
}

.home-page-hero__body {
    display: flex;
    align-items: flex-start;
    gap: clamp(16px, 3vw, 24px);
    max-width: 900px;
}

.home-page-hero__body--on-brand {
    animation: homePageHeroIntroIn 0.75s cubic-bezier(0.16, 1, 0.3, 1) 0.1s both;
}

.home-page-hero__icon {
    flex: 0 0 auto;
    display: grid;
    place-items: center;
    width: clamp(52px, 8vw, 64px);
    height: clamp(52px, 8vw, 64px);
    border-radius: 18px;
    background: linear-gradient(145deg, color-mix(in srgb, var(--home-primary) 12%, var(--home-surface-solid)), var(--home-surface-solid));
    border: 1px solid color-mix(in srgb, var(--home-primary) 18%, transparent);
    color: var(--home-primary);
    font-size: clamp(1.25rem, 2.5vw, 1.5rem);
    box-shadow:
        0 8px 24px color-mix(in srgb, var(--home-primary) 10%, transparent),
        inset 0 1px 0 rgba(255, 255, 255, 0.65);
}

.home-page-hero__icon--on-brand {
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.22);
    color: #fff;
    box-shadow:
        0 12px 32px rgba(0, 0, 0, 0.2),
        inset 0 1px 0 rgba(255, 255, 255, 0.2);
    backdrop-filter: blur(8px);
}

.home-page-hero__copy {
    min-width: 0;
    flex: 1 1 auto;
}

.home-page-hero__eyebrow {
    margin: 0 0 10px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--home-accent);
}

.home-page-hero__eyebrow--light {
    color: color-mix(in srgb, #D4AF37 70%, #fff);
}

.home-page-hero__title {
    margin: 0;
    font-family: var(--home-serif);
    font-size: clamp(1.85rem, 4.2vw, 3rem);
    font-weight: 600;
    line-height: 1.14;
    letter-spacing: -0.025em;
    color: var(--home-text);
    text-wrap: balance;
}

.home-page-hero__title--light {
    color: #fff;
    text-shadow: 0 2px 24px rgba(0, 0, 0, 0.25);
}

.home-page-hero__title em {
    font-style: italic;
    color: var(--home-primary);
}

.home-page-hero__title--light em {
    color: color-mix(in srgb, #E8C97A 85%, #fff);
}

.home-page-hero__lead {
    margin: clamp(12px, 2vw, 16px) 0 0;
    max-width: 62ch;
    font-size: clamp(0.96rem, 1.7vw, 1.1rem);
    line-height: 1.65;
    color: var(--home-muted);
}

.home-page-hero__lead--light {
    color: rgba(255, 245, 240, 0.82);
}

@keyframes homePageHeroIntroIn {
    from {
        opacity: 0;
        transform: translate3d(0, 14px, 0);
    }
    to {
        opacity: 1;
        transform: none;
    }
}

.home-page-hero--theme-savings .home-page-hero__icon:not(.home-page-hero__icon--on-brand) { color: #1B4332; border-color: color-mix(in srgb, #1B4332 22%, transparent); background: linear-gradient(145deg, color-mix(in srgb, #1B4332 8%, var(--home-surface-solid)), var(--home-surface-solid)); }
.home-page-hero--theme-loans .home-page-hero__icon:not(.home-page-hero__icon--on-brand) { color: #0F766E; border-color: color-mix(in srgb, #0F766E 22%, transparent); background: linear-gradient(145deg, color-mix(in srgb, #0F766E 8%, var(--home-surface-solid)), var(--home-surface-solid)); }
.home-page-hero--theme-growth .home-page-hero__icon:not(.home-page-hero__icon--on-brand) { color: #B45309; border-color: color-mix(in srgb, #B45309 22%, transparent); background: linear-gradient(145deg, color-mix(in srgb, #B45309 8%, var(--home-surface-solid)), var(--home-surface-solid)); }

.home-page-hero--theme-savings .home-page-hero__icon--on-brand { color: #B8E6D0; }
.home-page-hero--theme-loans .home-page-hero__icon--on-brand { color: #9FE8E0; }
.home-page-hero--theme-growth .home-page-hero__icon--on-brand { color: #F5D08A; }

body.home-dark .home-page-hero__intro {
    background: var(--home-bg);
}

body.home-dark .home-page-hero__icon {
    background: linear-gradient(145deg, color-mix(in srgb, var(--home-primary) 22%, var(--home-surface)), var(--home-surface));
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
}

@media (max-width: 640px) {
    .home-page-hero__body {
        flex-direction: column;
        gap: 14px;
    }

    .home-page-hero__icon {
        width: 48px;
        height: 48px;
        border-radius: 14px;
        font-size: 1.15rem;
    }

    .home-page-hero__banner-grid {
        opacity: 0.14;
    }
}

@media (prefers-reduced-motion: reduce) {
    .home-page-hero__orb {
        animation: none;
    }
}

.home-section--below-hero .home-contact__info > :empty {
    display: none;
}

/* Cooperative scope — member-owned advantage */
.home-section--cooperative {
    padding: 0;
}

.home-coop {
    position: relative;
    width: 100%;
    border-radius: 0;
    padding: clamp(48px, 8vw, 96px) var(--home-gutter);
    color: #F8F2EE;
    background:
        radial-gradient(ellipse 90% 80% at 0% 0%, rgba(166, 123, 98, 0.28), transparent 55%),
        radial-gradient(ellipse 70% 60% at 100% 100%, rgba(74, 35, 26, 0.45), transparent 50%),
        linear-gradient(155deg, #2E1814 0%, #4A231A 42%, #321610 100%);
    border: none;
    border-top: 1px solid rgba(255, 255, 255, 0.06);
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    box-shadow: none;
    overflow: hidden;
}

.home-coop__backdrop {
    position: absolute;
    inset: 0;
    pointer-events: none;
    overflow: hidden;
}

.home-coop__orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(70px);
    opacity: 0.45;
}

.home-coop__orb--1 {
    width: 320px;
    height: 320px;
    top: -120px;
    right: -60px;
    background: rgba(212, 160, 84, 0.35);
}

.home-coop__orb--2 {
    width: 280px;
    height: 280px;
    bottom: -100px;
    left: -80px;
    background: rgba(139, 94, 72, 0.4);
}

.home-coop__head {
    position: relative;
    z-index: 1;
    text-align: center;
    max-width: 720px;
    margin: 0 auto clamp(32px, 5vw, 48px);
}

.home-coop__pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 16px;
    padding: 7px 16px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #F5D9A8;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(245, 217, 168, 0.25);
}

.home-coop__title {
    font-family: var(--home-serif);
    font-size: clamp(2rem, 4.5vw, 3rem);
    font-weight: 600;
    line-height: 1.12;
    letter-spacing: -0.03em;
    margin-bottom: 14px;
    color: #fff;
}

.home-coop__title em {
    font-style: italic;
    color: #F5D9A8;
}

.home-coop__lead {
    font-size: clamp(15px, 1.8vw, 17px);
    line-height: 1.7;
    color: rgba(248, 242, 238, 0.78);
}

.home-coop__stage {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(280px, 360px) minmax(0, 1fr);
    gap: clamp(18px, 3vw, 28px);
    margin-bottom: clamp(24px, 4vw, 36px);
    max-width: 1440px;
    margin-left: auto;
    margin-right: auto;
}

.home-coop__spotlight {
    padding: clamp(22px, 3vw, 30px);
    border-radius: 24px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

.home-coop__spotlight-stat {
    margin-bottom: 16px;
}

.home-coop__spotlight-value {
    display: block;
    font-family: var(--home-serif);
    font-size: clamp(3rem, 7vw, 4.25rem);
    font-weight: 700;
    line-height: 1;
    color: #F5D9A8;
    text-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
}

.home-coop__spotlight-label {
    display: block;
    margin-top: 8px;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: rgba(248, 242, 238, 0.65);
}

.home-coop__spotlight-text {
    font-size: 15px;
    line-height: 1.65;
    color: rgba(248, 242, 238, 0.82);
    margin-bottom: 18px;
}

.home-coop__spotlight-tags {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 22px;
}

.home-coop__spotlight-tags li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    font-weight: 600;
    color: rgba(248, 242, 238, 0.9);
}

.home-coop__spotlight-tags i {
    width: 22px;
    height: 22px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
    color: #F5D9A8;
    background: rgba(245, 217, 168, 0.15);
}

.home-btn--coop {
    width: 100%;
    background: linear-gradient(135deg, #F5D9A8 0%, #D4A054 100%);
    color: #321610;
    border: none;
    box-shadow: 0 10px 28px rgba(212, 160, 84, 0.35);
}

.home-btn--coop:hover {
    color: #321610;
    transform: translateY(-2px);
    box-shadow: 0 14px 36px rgba(212, 160, 84, 0.45);
}

.home-coop__bento {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: clamp(12px, 2vw, 16px);
}

.home-coop__tile {
    padding: clamp(18px, 2.5vw, 22px);
    border-radius: 20px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    transition: transform 0.3s var(--home-ease), background 0.3s ease, border-color 0.3s ease;
}

.home-coop__tile:hover {
    transform: translateY(-3px);
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(245, 217, 168, 0.22);
}

.home-coop__tile--lead {
    grid-column: span 2;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 16px;
    align-items: start;
    background: linear-gradient(135deg, rgba(245, 217, 168, 0.12), rgba(255, 255, 255, 0.04));
}

.home-coop__tile--lead .home-coop__tile-icon {
    margin-bottom: 0;
}

.home-coop__tile--accent {
    border-color: rgba(245, 217, 168, 0.28);
    background: linear-gradient(160deg, rgba(139, 94, 72, 0.35), rgba(255, 255, 255, 0.04));
}

.home-coop__tile-icon {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: #F5D9A8;
    background: rgba(245, 217, 168, 0.12);
    margin-bottom: 14px;
}

.home-coop__tile h3 {
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 8px;
    color: #fff;
}

.home-coop__tile p {
    font-size: 13px;
    line-height: 1.6;
    color: rgba(248, 242, 238, 0.72);
}

.home-coop__flow {
    position: relative;
    z-index: 1;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 10px 6px;
    padding: clamp(16px, 2.5vw, 22px);
    margin-bottom: clamp(20px, 3vw, 28px);
    border-radius: 20px;
    background: rgba(0, 0, 0, 0.18);
    border: 1px solid rgba(255, 255, 255, 0.06);
    max-width: 1440px;
    margin-left: auto;
    margin-right: auto;
}

.home-coop__flow-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    min-width: 72px;
    text-align: center;
}

.home-coop__flow-icon {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    color: #F5D9A8;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.home-coop__flow-label {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: rgba(248, 242, 238, 0.75);
}

.home-coop__flow-arrow {
    color: rgba(245, 217, 168, 0.55);
    font-size: 11px;
    padding: 0 2px;
}

.home-coop__compare {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: clamp(14px, 2.5vw, 20px);
    max-width: 1440px;
    margin-left: auto;
    margin-right: auto;
}

.home-coop__compare-col {
    padding: clamp(18px, 2.5vw, 24px);
    border-radius: 20px;
    border: 1px solid rgba(255, 255, 255, 0.08);
}

.home-coop__compare-col h3 {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 14px;
}

.home-coop__compare-col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.home-coop__compare-col li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    line-height: 1.5;
}

.home-coop__compare-col li i {
    margin-top: 3px;
    font-size: 12px;
    flex-shrink: 0;
}

.home-coop__compare-col--sacco {
    background: rgba(245, 217, 168, 0.1);
    border-color: rgba(245, 217, 168, 0.22);
}

.home-coop__compare-col--sacco h3 {
    color: #F5D9A8;
}

.home-coop__compare-col--sacco li {
    color: rgba(248, 242, 238, 0.88);
}

.home-coop__compare-col--sacco i {
    color: #8EC98E;
}

.home-coop__compare-col--bank {
    background: rgba(0, 0, 0, 0.15);
}

.home-coop__compare-col--bank h3 {
    color: rgba(248, 242, 238, 0.55);
}

.home-coop__compare-col--bank li {
    color: rgba(248, 242, 238, 0.45);
}

.home-coop__compare-col--bank i {
    color: rgba(248, 242, 238, 0.3);
}

body.home-dark .home-coop {
    box-shadow:
        0 32px 80px rgba(0, 0, 0, 0.45),
        inset 0 1px 0 rgba(255, 255, 255, 0.05);
}

@media (max-width: 960px) {
    .home-coop__stage {
        grid-template-columns: 1fr;
    }

    .home-coop__tile--lead {
        grid-column: span 1;
        grid-template-columns: 1fr;
    }
}

@media (max-width: 720px) {
    .home-coop__bento {
        grid-template-columns: 1fr;
    }

    .home-coop__tile--lead {
        grid-column: span 1;
    }

    .home-coop__compare {
        grid-template-columns: 1fr;
    }

    .home-coop__flow-arrow {
        display: none;
    }

    .home-coop__flow {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 12px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .home-coop__tile,
    .home-btn--coop {
        transition: none;
    }
}

/* Testimonials — member stories */
.home-section--testimonials {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(ellipse 70% 55% at 0% 0%, color-mix(in srgb, var(--home-accent) 10%, transparent), transparent 58%),
        radial-gradient(ellipse 60% 50% at 100% 100%, color-mix(in srgb, var(--home-primary) 8%, transparent), transparent 55%),
        var(--home-bg);
}

.home-section--testimonials::before {
    content: '';
    position: absolute;
    inset: 0;
    pointer-events: none;
    opacity: 0.35;
    background-image:
        linear-gradient(color-mix(in srgb, var(--home-primary) 5%, transparent) 1px, transparent 1px),
        linear-gradient(90deg, color-mix(in srgb, var(--home-primary) 5%, transparent) 1px, transparent 1px);
    background-size: 48px 48px;
    mask-image: radial-gradient(ellipse 85% 70% at 50% 40%, #000 15%, transparent 78%);
    -webkit-mask-image: radial-gradient(ellipse 85% 70% at 50% 40%, #000 15%, transparent 78%);
}

.home-section--testimonials .home-container {
    position: relative;
    z-index: 1;
}

.home-testimonials__stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: clamp(12px, 2.5vw, 20px);
    max-width: 760px;
    margin: 0 auto clamp(28px, 4vw, 40px);
}

.home-testimonials__stat {
    text-align: center;
    padding: clamp(16px, 2.5vw, 22px) clamp(12px, 2vw, 18px);
    border-radius: 20px;
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
}

.home-testimonials__stat strong {
    display: block;
    font-family: var(--home-serif);
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 600;
    line-height: 1.1;
    color: var(--home-primary);
    margin-bottom: 6px;
}

.home-testimonials__stat span {
    display: block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: var(--home-muted);
}

.home-testimonials__shell {
    display: grid;
    grid-template-columns: auto minmax(0, 1fr) auto;
    align-items: center;
    gap: clamp(8px, 1.5vw, 16px);
}

.home-testimonials__track {
    display: grid;
    grid-auto-flow: column;
    grid-auto-columns: minmax(280px, 1fr);
    gap: clamp(14px, 2.5vw, 20px);
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scroll-behavior: smooth;
    -webkit-overflow-scrolling: touch;
    padding: 8px 2px 12px;
    scrollbar-width: none;
}

.home-testimonials__track::-webkit-scrollbar {
    display: none;
}

.home-testimonials__card {
    scroll-snap-align: start;
    min-height: 100%;
}

.home-testimonials__card-inner {
    height: 100%;
    display: flex;
    flex-direction: column;
    padding: clamp(22px, 3vw, 30px);
    border-radius: 24px;
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    box-shadow: var(--home-shadow-sm);
    transition: transform 0.35s var(--home-ease), box-shadow 0.35s var(--home-ease), border-color 0.35s ease;
}

.home-testimonials__card.is-featured .home-testimonials__card-inner {
    border-color: color-mix(in srgb, var(--home-accent) 35%, var(--home-border));
    background:
        linear-gradient(165deg, color-mix(in srgb, var(--home-accent) 7%, var(--home-surface-solid)), var(--home-surface-solid));
    box-shadow: 0 20px 48px rgba(74, 35, 26, 0.12), 0 8px 20px rgba(74, 35, 26, 0.06);
}

.home-testimonials__quote-mark {
    width: 44px;
    height: 44px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    color: var(--home-accent);
    background: color-mix(in srgb, var(--home-accent) 12%, transparent);
    margin-bottom: 16px;
}

.home-testimonials__stars {
    display: flex;
    gap: 4px;
    margin-bottom: 14px;
    color: #D4A054;
    font-size: 13px;
}

.home-testimonials__stars .fa-star.is-dim {
    color: color-mix(in srgb, var(--home-muted) 35%, transparent);
}

.home-testimonials__text {
    margin: 0 0 22px;
    font-size: clamp(15px, 1.8vw, 16px);
    line-height: 1.75;
    color: var(--home-text);
    flex: 1;
}

.home-testimonials__author {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-top: auto;
    padding-top: 18px;
    border-top: 1px solid var(--home-border);
}

.home-testimonials__avatar {
    width: 48px;
    height: 48px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 14px;
    font-weight: 700;
    letter-spacing: 0.04em;
    color: #fff;
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary-dark));
    box-shadow: 0 8px 18px rgba(74, 35, 26, 0.18);
}

.home-testimonials__meta {
    min-width: 0;
}

.home-testimonials__name {
    display: block;
    font-style: normal;
    font-size: 15px;
    font-weight: 700;
    color: var(--home-text);
    margin-bottom: 2px;
}

.home-testimonials__role {
    display: block;
    font-size: 13px;
    line-height: 1.45;
    color: var(--home-muted);
}

.home-testimonials__nav {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    border: 1px solid var(--home-border);
    background: var(--home-surface-solid);
    color: var(--home-primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: var(--home-shadow-sm);
    transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease, opacity 0.2s ease;
}

.home-testimonials__nav:hover:not(:disabled) {
    background: color-mix(in srgb, var(--home-primary) 8%, var(--home-surface-solid));
    border-color: color-mix(in srgb, var(--home-primary) 20%, var(--home-border));
    transform: translateY(-1px);
}

.home-testimonials__nav:disabled {
    opacity: 0.35;
    cursor: not-allowed;
}

.home-testimonials__dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 18px;
}

.home-testimonials__dot {
    width: 8px;
    height: 8px;
    border: 0;
    border-radius: 999px;
    padding: 0;
    background: color-mix(in srgb, var(--home-primary) 18%, transparent);
    cursor: pointer;
    transition: width 0.25s ease, background 0.25s ease;
}

.home-testimonials__dot.is-active {
    width: 24px;
    background: var(--home-primary);
}

body.home-dark .home-testimonials__card-inner,
body.home-dark .home-testimonials__stat {
    background: var(--home-surface-solid);
}

body.home-dark .home-testimonials__card.is-featured .home-testimonials__card-inner {
    background: linear-gradient(165deg, color-mix(in srgb, var(--home-accent) 12%, var(--home-surface-solid)), var(--home-surface-solid));
}

@media (min-width: 900px) {
    .home-testimonials__track {
        grid-auto-columns: calc((100% - 40px) / 3);
    }

    .home-testimonials__card.is-featured {
        transform: translateY(-6px);
    }
}

@media (max-width: 899px) {
    .home-testimonials__nav {
        display: none;
    }

    .home-testimonials__shell {
        grid-template-columns: minmax(0, 1fr);
    }

    .home-testimonials__track {
        grid-auto-columns: min(88vw, 360px);
    }
}

@media (max-width: 640px) {
    .home-testimonials__stats {
        grid-template-columns: 1fr;
        max-width: 280px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .home-testimonials__track {
        scroll-behavior: auto;
    }

    .home-testimonials__card-inner,
    .home-testimonials__nav,
    .home-testimonials__dot {
        transition: none;
    }
}

/* FAQ — Yehulu-style accordion grid */
.home-section--faq {
    background: var(--home-bg-alt);
}

.home-faq__head {
    text-align: center;
    max-width: 720px;
    margin: 0 auto clamp(32px, 5vw, 48px);
}

.home-faq__pill {
    display: inline-block;
    margin-bottom: clamp(14px, 2.5vw, 20px);
    padding: 6px 18px;
    border: 2px solid var(--home-primary);
    border-radius: 999px;
    font-family: var(--home-font);
    font-size: clamp(11px, 1.8vw, 13px);
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-primary) 6%, transparent);
}

.home-faq__title {
    font-family: var(--home-serif);
    font-size: clamp(1.75rem, 3.5vw, 2.5rem);
    font-weight: 600;
    line-height: 1.2;
    letter-spacing: -0.02em;
    margin: 0;
    color: var(--home-primary);
}

.home-faq__title em {
    font-style: italic;
}

.home-faq__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: clamp(14px, 2.5vw, 20px);
    align-items: start;
}

.home-faq__col {
    display: flex;
    flex-direction: column;
    gap: clamp(14px, 2.5vw, 20px);
}

.home-faq__item {
    background: var(--home-surface-solid);
    border: 1px solid var(--home-border);
    border-radius: var(--home-radius);
    box-shadow: var(--home-shadow-sm);
    overflow: hidden;
    transition:
        opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1),
        transform 0.7s cubic-bezier(0.16, 1, 0.3, 1),
        box-shadow 0.25s var(--home-ease),
        border-color 0.25s var(--home-ease);
}

.home-faq:not(.is-visible) .home-faq__item {
    opacity: 0;
    transform: translate3d(0, 22px, 0);
}

.home-faq.is-visible .home-faq__item {
    opacity: 1;
    transform: none;
}

.home-faq.is-visible .home-faq__col:nth-child(1) .home-faq__item:nth-child(1) { transition-delay: 0.06s; }
.home-faq.is-visible .home-faq__col:nth-child(1) .home-faq__item:nth-child(2) { transition-delay: 0.13s; }
.home-faq.is-visible .home-faq__col:nth-child(1) .home-faq__item:nth-child(3) { transition-delay: 0.2s; }
.home-faq.is-visible .home-faq__col:nth-child(2) .home-faq__item:nth-child(1) { transition-delay: 0.1s; }
.home-faq.is-visible .home-faq__col:nth-child(2) .home-faq__item:nth-child(2) { transition-delay: 0.17s; }
.home-faq.is-visible .home-faq__col:nth-child(2) .home-faq__item:nth-child(3) { transition-delay: 0.24s; }

.home-faq__item.is-open {
    border-color: color-mix(in srgb, var(--home-primary) 22%, transparent);
    box-shadow: var(--home-shadow);
}

.home-faq__trigger {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    width: 100%;
    padding: clamp(16px, 2.5vw, 20px) clamp(18px, 3vw, 24px);
    border: none;
    background: transparent;
    font-family: var(--home-font);
    font-size: clamp(0.95rem, 1.8vw, 1.05rem);
    font-weight: 600;
    line-height: 1.45;
    color: var(--home-text);
    text-align: left;
    cursor: pointer;
    transition: color 0.2s ease;
}

.home-faq__trigger:hover {
    color: var(--home-primary);
}

.home-faq__icon {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    color: var(--home-primary);
    transition: transform 0.25s var(--home-ease);
}

.home-faq__item.is-open .home-faq__icon {
    transform: rotate(45deg);
}

.home-faq__panel {
    padding: 0 clamp(18px, 3vw, 24px) clamp(18px, 3vw, 24px);
}

.home-faq__panel p {
    margin: 0;
    font-size: 0.95rem;
    line-height: 1.65;
    color: var(--home-muted);
}

body.home-dark .home-section--faq {
    background: color-mix(in srgb, var(--home-primary) 8%, var(--home-bg));
}

body.home-dark .home-faq__item {
    background: var(--home-surface);
}

@media (max-width: 768px) {
    .home-faq__grid {
        grid-template-columns: 1fr;
    }
}

body.home-body:not(.home-dark) input,
body.home-body:not(.home-dark) select,
body.home-body:not(.home-dark) textarea {
    color: var(--home-text);
    background-color: var(--home-bg);
}

body.home-body:not(.home-dark) .home-nav__links a:not(.is-active),
body.home-body:not(.home-dark) .home-hamburger,
body.home-body:not(.home-dark):not(.home-body--refined) .home-drawer__nav a,
body.home-body:not(.home-dark):not(.home-body--refined) .home-drawer__brand strong,
body.home-body:not(.home-dark) .home-feature-card h3,
body.home-body:not(.home-dark) .home-join-msg {
    color: var(--home-text);
}

body.home-body:not(.home-dark) .home-nav__links a:not(.is-active) {
    color: var(--home-muted);
}

body.home-body--refined:not(.home-dark) .home-nav__links a.is-active {
    color: #fff;
}

body.home-body:not(.home-dark) .home-btn--ghost {
    color: var(--home-muted);
}

/* ===== Dark mode — text & icon readability ===== */
body.home-dark .home-icon-btn {
    background: var(--home-surface);
    color: var(--home-accent-light);
    border-color: var(--home-border);
}

body.home-dark .home-icon-btn:hover {
    color: #fff;
    border-color: color-mix(in srgb, var(--home-accent-light) 45%, var(--home-border));
}

body.home-dark:not(.home-body--refined) .home-nav__links a.is-active {
    color: var(--home-accent-light);
}

body.home-body--refined.home-dark .home-nav__links a.is-active {
    color: #1A100E;
}

body.home-dark .home-eyebrow {
    color: var(--home-accent-light);
    background: color-mix(in srgb, var(--home-accent) 18%, transparent);
    border-color: color-mix(in srgb, var(--home-accent-light) 35%, transparent);
}

body.home-dark .home-eyebrow i {
    color: #F0D4BC;
}

body.home-dark .home-hero__copy--photo .home-eyebrow--hero.home-eyebrow--light,
body.home-dark .home-hero__copy--cinema .home-eyebrow--hero.home-eyebrow--light {
    color: #FFF8F0;
    background: rgba(0, 0, 0, 0.55);
    border-color: rgba(255, 255, 255, 0.5);
}

body.home-dark .home-hero__copy--photo .home-eyebrow--hero.home-eyebrow--light i,
body.home-dark .home-hero__copy--cinema .home-eyebrow--hero.home-eyebrow--light i {
    color: #F0D878;
}

body.home-dark .home-section__head h2 em,
body.home-dark .home-split__copy h2 em,
body.home-dark .home-feature-card__link,
body.home-dark .home-contact__info h2 em {
    color: var(--home-accent-light);
}

body.home-dark .home-section--alt {
    background: color-mix(in srgb, var(--home-primary) 10%, var(--home-bg));
}

body.home-dark .home-feature-card,
body.home-dark .home-security-card,
body.home-dark .home-step,
body.home-dark .home-value-card,
body.home-dark .home-contact__card,
body.home-dark .home-branches__card,
body.home-dark .home-loan-card {
    background: var(--home-surface);
    border-color: var(--home-border);
    box-shadow: var(--home-shadow-sm);
}

body.home-dark .home-feature-card--highlight {
    background: linear-gradient(160deg, color-mix(in srgb, var(--home-accent) 14%, var(--home-surface)), var(--home-surface));
    border-color: color-mix(in srgb, var(--home-accent-light) 30%, var(--home-border));
}

body.home-dark .home-feature-card__icon,
body.home-dark .home-security-card__icon,
body.home-dark .home-value-card__icon {
    color: #F0D4BC;
    background: color-mix(in srgb, var(--home-accent) 28%, transparent);
}

body.home-dark .home-feature-card--highlight .home-feature-card__icon {
    color: #FFE8D4;
    background: color-mix(in srgb, var(--home-accent) 35%, transparent);
}

body.home-dark .home-checklist i {
    color: #F5E6DC;
    background: color-mix(in srgb, var(--home-accent) 32%, transparent);
}

body.home-dark .home-checklist li {
    color: var(--home-text);
}

body.home-dark .home-loan-card__icon {
    color: var(--home-accent-light);
    background: linear-gradient(145deg, color-mix(in srgb, var(--home-primary) 40%, var(--home-surface)), color-mix(in srgb, var(--home-accent) 22%, var(--home-surface)));
    border-color: var(--home-border);
    box-shadow: none;
}

body.home-dark .home-loan-card__list i,
body.home-dark .home-loan-card__link {
    color: var(--home-accent-light);
}

body.home-dark .home-step__num {
    background: linear-gradient(135deg, var(--home-accent), var(--home-primary-light));
    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.35);
}

body.home-dark .home-contact__list i,
body.home-dark .home-contact__icon {
    color: var(--home-accent-light);
    background: color-mix(in srgb, var(--home-accent) 26%, transparent);
}

body.home-dark .home-contact__list strong {
    color: var(--home-text);
}

body.home-dark .home-branches__card p i {
    color: var(--home-accent-light);
}

body.home-dark .home-branches__phone a {
    color: var(--home-text);
}

body.home-dark .home-branches__phone a:hover {
    color: var(--home-accent-light);
}

body.home-dark .home-strip__item strong {
    background: linear-gradient(135deg, #FFF8F4 0%, var(--home-accent-light) 52%, #E8C4B0 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

body.home-dark .home-faq__trigger:hover,
body.home-dark .home-faq__icon {
    color: var(--home-accent-light);
}

body.home-dark .home-page-hero__icon--on-brand {
    color: #fff;
    border-color: rgba(255, 255, 255, 0.28);
    background: rgba(255, 255, 255, 0.12);
}

body.home-dark .home-page-hero__eyebrow--light {
    color: #F5D08A;
}

body.home-dark .home-page-hero__title--light em {
    color: #FFE8A8;
}

body.home-dark .home-join-modal__panel {
    background: var(--home-surface-solid);
    border-color: var(--home-border);
    box-shadow: 0 32px 64px rgba(0, 0, 0, 0.55);
}

body.home-dark .home-btn--outline {
    color: var(--home-text);
    border-color: color-mix(in srgb, var(--home-accent-light) 40%, var(--home-border));
    background: color-mix(in srgb, var(--home-surface) 80%, transparent);
}

body.home-dark .home-btn--outline:hover {
    color: #fff;
    border-color: var(--home-accent-light);
    background: color-mix(in srgb, var(--home-accent) 18%, var(--home-surface));
}

body.home-dark .home-btn--ghost {
    color: var(--home-accent-light);
}

body.home-dark .home-hamburger {
    color: var(--home-text);
    border-color: var(--home-border);
    background: var(--home-surface);
}

.spa-outlet {
    transition: opacity 0.2s ease;
}

.spa-outlet--loading {
    opacity: 0.55;
    pointer-events: none;
}

/* ── Premium shell refinements (Site.Master chrome) ── */
body.home-body--refined .home-btn--accent {
    background: linear-gradient(135deg, var(--home-primary) 0%, var(--home-primary-light) 48%, var(--home-accent) 100%);
    border: 1px solid color-mix(in srgb, #fff 18%, var(--home-primary));
    box-shadow:
        0 10px 28px color-mix(in srgb, var(--home-primary) 28%, transparent),
        inset 0 1px 0 color-mix(in srgb, #fff 22%, transparent);
    position: relative;
    overflow: hidden;
}

body.home-body--refined .home-btn--accent::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(120deg, transparent 30%, rgba(255, 255, 255, 0.22) 50%, transparent 70%);
    transform: translateX(-120%);
    transition: transform 0.65s var(--home-ease);
    pointer-events: none;
}

body.home-body--refined .home-btn--accent:hover::after {
    transform: translateX(120%);
}

body.home-body--refined .home-btn--accent:hover {
    transform: translateY(-1px);
    box-shadow:
        0 14px 36px color-mix(in srgb, var(--home-primary) 34%, transparent),
        inset 0 1px 0 color-mix(in srgb, #fff 28%, transparent);
}

body.home-body--refined .home-drawer__panel {
    background:
        linear-gradient(165deg, #2A1510 0%, #1A100E 55%, #241410 100%);
    color: #F8F2EE;
    border-left: 1px solid color-mix(in srgb, var(--home-gold) 28%, transparent);
    backdrop-filter: blur(24px) saturate(160%);
    -webkit-backdrop-filter: blur(24px) saturate(160%);
    box-shadow: -24px 0 64px rgba(0, 0, 0, 0.35);
}

body.home-body--refined .home-drawer__panel::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--home-gold), var(--home-gold-soft), var(--home-gold), transparent);
    pointer-events: none;
}

body.home-body--refined .home-drawer__head {
    border-bottom-color: rgba(245, 217, 168, 0.16);
}

body.home-body--refined .home-drawer__brand strong {
    color: #F8F2EE;
    font-family: var(--home-serif);
    font-weight: 600;
    letter-spacing: -0.02em;
}

body.home-body--refined .home-drawer__brand span {
    color: #C9B5AB;
}

body.home-body--refined .home-drawer__close {
    background: rgba(255, 255, 255, 0.06);
    border-color: rgba(245, 217, 168, 0.2);
    color: #F5D9A8;
}

body.home-body--refined .home-drawer__close:hover {
    color: #fff;
    border-color: rgba(245, 217, 168, 0.4);
    background: rgba(255, 255, 255, 0.1);
}

body.home-body--refined .home-drawer__nav a {
    border: 1px solid transparent;
    color: #EDE4DE;
    transition: border-color 0.2s ease, background 0.2s ease, transform 0.2s var(--home-ease), color 0.2s ease;
}

body.home-body--refined .home-drawer__nav a > i:first-child {
    color: var(--home-gold-soft);
    background: rgba(212, 160, 84, 0.14);
}

body.home-body--refined .home-drawer__nav a:hover,
body.home-body--refined .home-drawer__nav a.is-active {
    border-color: rgba(245, 217, 168, 0.22);
    background: rgba(212, 160, 84, 0.12);
    color: #fff;
    transform: translateX(2px);
}

body.home-body--refined .home-drawer__nav a.is-active > i:first-child {
    background: rgba(212, 160, 84, 0.24);
    color: var(--home-gold-soft);
}

body.home-body--refined .home-drawer__chev {
    color: rgba(245, 217, 168, 0.45) !important;
}

body.home-body--refined .home-drawer__extra {
    background: rgba(255, 255, 255, 0.05);
    border-color: rgba(245, 217, 168, 0.16);
    color: #F8F2EE;
}

body.home-body--refined .home-drawer__extra i {
    color: var(--home-gold-soft);
}

body.home-body--refined .home-drawer__extra:hover {
    border-color: rgba(245, 217, 168, 0.35);
    background: rgba(212, 160, 84, 0.12);
}

body.home-body--refined .home-drawer__cta {
    background: linear-gradient(135deg, var(--home-gold) 0%, #C4893A 100%);
    color: #1A100E;
    border: none;
    box-shadow: 0 12px 28px rgba(212, 160, 84, 0.28);
}

body.home-body--refined .home-drawer__cta:hover {
    filter: brightness(1.05);
}

body.home-body--refined .home-join-modal__panel {
    border-radius: 28px;
    border: 1px solid color-mix(in srgb, var(--home-primary) 10%, var(--home-border));
    box-shadow:
        0 32px 80px color-mix(in srgb, var(--home-primary) 16%, transparent),
        0 8px 24px rgba(0, 0, 0, 0.08);
}

body.home-body--refined .home-tabbar {
    background: color-mix(in srgb, var(--home-surface-solid) 92%, transparent);
    backdrop-filter: blur(20px) saturate(180%);
    -webkit-backdrop-filter: blur(20px) saturate(180%);
    border-top: 1px solid color-mix(in srgb, var(--home-primary) 8%, var(--home-border));
}

body.home-body--refined .home-tabbar__fab {
    background: linear-gradient(145deg, var(--home-primary), var(--home-accent));
    box-shadow: 0 10px 24px color-mix(in srgb, var(--home-primary) 32%, transparent);
}

body.home-body--refined .home-feature-card,
body.home-body--refined .home-loan-card,
body.home-body--refined .home-security-card,
body.home-body--refined .home-value-card,
body.home-body--refined .home-step,
body.home-body--refined .home-branches__card {
    transition: transform 0.28s var(--home-ease), box-shadow 0.28s var(--home-ease), border-color 0.28s ease;
}

/* ── Mid-page section refinements (cohesion with header/footer) ── */
body.home-body--refined .home-section--alt {
    background:
        radial-gradient(ellipse 70% 50% at 50% 0%, color-mix(in srgb, var(--home-gold) 8%, transparent), transparent 55%),
        color-mix(in srgb, var(--home-primary) 3.5%, #fff);
}

body.home-body--refined.home-dark .home-section--alt {
    background:
        radial-gradient(ellipse 70% 50% at 50% 0%, color-mix(in srgb, var(--home-gold) 10%, transparent), transparent 55%),
        color-mix(in srgb, var(--home-primary) 10%, var(--home-bg));
}

body.home-body--refined .home-eyebrow:not(.home-eyebrow--hero):not(.home-eyebrow--light) {
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-gold) 14%, transparent);
    border-color: color-mix(in srgb, var(--home-gold) 38%, transparent);
}

body.home-body--refined .home-section__head {
    max-width: 680px;
    margin-bottom: clamp(40px, 6vw, 56px);
}

body.home-body--refined .home-section__head h2 {
    letter-spacing: -0.03em;
}

body.home-body--refined .home-section__head h2::after {
    content: '';
    display: block;
    width: 48px;
    height: 2px;
    margin: 16px auto 0;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--home-gold), var(--home-gold-soft), var(--home-gold));
}

body.home-body--refined .home-section__head h2 em {
    color: color-mix(in srgb, var(--home-primary) 70%, var(--home-gold));
}

body.home-body--refined .home-loans-head__pill {
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-gold) 14%, transparent);
    border-color: color-mix(in srgb, var(--home-gold) 40%, transparent);
}

body.home-body--refined .home-loans-head__title::after {
    content: '';
    display: block;
    width: 48px;
    height: 2px;
    margin-top: 14px;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--home-gold), var(--home-gold-soft), transparent);
}

body.home-body--refined .home-loans-head__title em {
    color: color-mix(in srgb, var(--home-primary) 65%, var(--home-gold));
}

/* Services */
body.home-body--refined .home-feature-card {
    border-radius: 20px;
    border-color: color-mix(in srgb, var(--home-primary) 8%, transparent);
    background:
        linear-gradient(165deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 40%, #fff) 100%);
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.9) inset,
        0 10px 28px rgba(74, 35, 26, 0.05);
}

body.home-body--refined .home-feature-card__icon {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    color: var(--home-primary);
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-gold) 35%, var(--home-border));
    box-shadow: 0 8px 20px rgba(74, 35, 26, 0.07);
}

body.home-body--refined .home-feature-card h3 {
    font-family: var(--home-serif);
    font-size: 1.15rem;
    font-weight: 600;
    letter-spacing: -0.02em;
}

body.home-body--refined .home-feature-card__link {
    color: color-mix(in srgb, var(--home-primary) 80%, var(--home-gold));
}

body.home-body--refined .home-feature-card--highlight {
    border-color: color-mix(in srgb, var(--home-gold) 42%, var(--home-border));
    background:
        linear-gradient(160deg, color-mix(in srgb, var(--home-gold) 10%, #fff), #fff 55%);
}

body.home-body--refined .home-feature-card--highlight .home-feature-card__icon {
    color: #fff;
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary));
    border-color: transparent;
}

/* About */
body.home-body--refined .home-checklist i {
    color: #1A100E;
    background: linear-gradient(145deg, var(--home-gold-soft), var(--home-gold));
}

body.home-body--refined .home-value-card {
    position: relative;
    overflow: hidden;
    border-radius: 20px;
    padding: 28px 26px;
    border-color: color-mix(in srgb, var(--home-primary) 10%, transparent);
    background:
        linear-gradient(165deg, color-mix(in srgb, var(--home-primary) 4%, #fff) 0%, #fff 55%);
    box-shadow: 0 12px 32px rgba(74, 35, 26, 0.06);
}

body.home-body--refined .home-value-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--home-gold), var(--home-gold-soft), transparent);
}

body.home-body--refined .home-value-card__icon {
    color: var(--home-primary);
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-gold) 40%, transparent);
    box-shadow: 0 6px 16px rgba(74, 35, 26, 0.06);
}

body.home-body--refined .home-value-card h3 {
    font-family: var(--home-serif);
    font-size: 1.2rem;
    font-weight: 600;
}

/* Why choose us */
body.home-body--refined .home-security-card {
    position: relative;
    overflow: hidden;
    border-radius: 20px;
    padding: 28px 24px;
    border-color: color-mix(in srgb, var(--home-primary) 9%, transparent);
    background:
        linear-gradient(165deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 45%, #fff) 100%);
    box-shadow: 0 10px 28px rgba(74, 35, 26, 0.05);
}

body.home-body--refined .home-security-card::before {
    content: '';
    position: absolute;
    inset: 0 auto 0 0;
    width: 3px;
    background: linear-gradient(180deg, var(--home-gold), transparent);
    opacity: 0.85;
}

body.home-body--refined .home-security-card__icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    color: var(--home-primary);
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-gold) 38%, transparent);
    box-shadow: 0 6px 16px rgba(74, 35, 26, 0.06);
}

body.home-body--refined .home-security-card h3 {
    font-family: var(--home-serif);
    font-size: 1.05rem;
    font-weight: 600;
    letter-spacing: -0.02em;
}

/* Membership steps */
body.home-body--refined .home-steps {
    position: relative;
    gap: clamp(18px, 3vw, 28px);
}

body.home-body--refined .home-step {
    position: relative;
    border-radius: 20px;
    border-color: color-mix(in srgb, var(--home-primary) 9%, transparent);
    background:
        linear-gradient(165deg, #fff 0%, color-mix(in srgb, var(--home-bg-alt) 40%, #fff) 100%);
    box-shadow: 0 10px 28px rgba(74, 35, 26, 0.05);
}

body.home-body--refined .home-step__num {
    background: linear-gradient(145deg, var(--home-gold-soft), var(--home-gold));
    color: #1A100E;
    box-shadow: 0 8px 20px rgba(212, 160, 84, 0.28);
    font-family: var(--home-serif);
    font-weight: 700;
}

body.home-body--refined .home-step h3 {
    font-family: var(--home-serif);
    font-size: 1.1rem;
    font-weight: 600;
}

/* Contact */
body.home-body--refined .home-contact__icon,
body.home-body--refined .home-contact__list i {
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-gold) 40%, transparent);
    box-shadow: 0 6px 14px rgba(74, 35, 26, 0.06);
    color: var(--home-primary);
}

body.home-body--refined .home-contact__card {
    position: relative;
    overflow: hidden;
    border-radius: 24px;
    border-color: color-mix(in srgb, var(--home-gold) 28%, var(--home-border));
    background:
        linear-gradient(160deg, color-mix(in srgb, var(--home-primary) 92%, #000) 0%, var(--home-primary) 48%, color-mix(in srgb, var(--home-accent) 40%, var(--home-primary-dark)) 100%);
    color: #F8F2EE;
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.12) inset,
        0 24px 56px rgba(74, 35, 26, 0.22);
}

body.home-body--refined .home-contact__card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--home-gold), var(--home-gold-soft), var(--home-gold), transparent);
}

body.home-body--refined .home-contact__card h3 {
    font-family: var(--home-serif);
    font-weight: 600;
    color: #fff;
}

body.home-body--refined .home-contact__card > p {
    color: rgba(248, 242, 238, 0.82);
}

body.home-body--refined .home-contact__card .home-btn--ghost,
body.home-body--refined .home-contact__card .home-btn--outline {
    color: #F5D9A8;
    border-color: rgba(245, 217, 168, 0.35);
}

body.home-body--refined .home-contact__card .home-btn--primary,
body.home-body--refined .home-contact__card .home-btn--accent {
    background: linear-gradient(135deg, var(--home-gold) 0%, #C4893A 100%);
    color: #1A100E;
    border: none;
}

body.home-body--refined .home-branches__card {
    border-radius: 16px;
    border-color: color-mix(in srgb, var(--home-primary) 10%, transparent);
    background: linear-gradient(165deg, #fff, color-mix(in srgb, var(--home-bg-alt) 50%, #fff));
}

body.home-body--refined .home-branches__badge {
    color: #1A100E;
    background: linear-gradient(135deg, var(--home-gold-soft), var(--home-gold));
}

body.home-body--refined .home-feature-card:hover,
body.home-body--refined .home-loan-card:hover,
body.home-body--refined .home-security-card:hover,
body.home-body--refined .home-value-card:hover,
body.home-body--refined .home-step:hover,
body.home-body--refined .home-branches__card:hover {
    transform: translateY(-4px);
    box-shadow: 0 18px 40px color-mix(in srgb, var(--home-primary) 12%, transparent);
    border-color: color-mix(in srgb, var(--home-gold) 32%, var(--home-border));
}

body.home-body--refined .home-contact__card .home-btn--ghost {
    color: #F5D9A8 !important;
    border-color: rgba(245, 217, 168, 0.35);
    background: transparent;
}

body.home-body--refined .home-contact__card .home-btn--ghost:hover {
    color: #fff !important;
    background: rgba(255, 255, 255, 0.08);
}

body.home-body--refined.home-dark .home-feature-card,
body.home-body--refined.home-dark .home-security-card,
body.home-body--refined.home-dark .home-value-card,
body.home-body--refined.home-dark .home-step,
body.home-body--refined.home-dark .home-branches__card {
    background: linear-gradient(165deg, var(--home-surface-solid) 0%, color-mix(in srgb, var(--home-primary) 8%, var(--home-bg)) 100%);
    border-color: var(--home-border);
}

/* ── Hero below strip (social + highlights + trust) ── */
body.home-body--refined .home-hero__below {
    padding-top: clamp(32px, 5vw, 52px);
    padding-bottom: clamp(12px, 2vw, 20px);
    background:
        radial-gradient(ellipse 70% 55% at 50% 0%, color-mix(in srgb, var(--home-gold) 10%, transparent), transparent 60%),
        var(--home-bg);
}

body.home-body--refined .home-hero__toolbar {
    padding: clamp(14px, 2vw, 18px) clamp(16px, 2.5vw, 24px);
    border-radius: 18px;
    background:
        linear-gradient(165deg, rgba(255, 255, 255, 0.98) 0%, color-mix(in srgb, var(--home-bg-alt) 45%, #fff) 100%);
    border: 1px solid color-mix(in srgb, var(--home-gold) 22%, var(--home-border));
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.9) inset,
        0 14px 36px rgba(74, 35, 26, 0.07);
}

body.home-body--refined .home-hero__toolbar::before {
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--home-gold), var(--home-gold-soft), var(--home-gold), transparent);
    opacity: 0.95;
}

body.home-body--refined .home-hero__avatar {
    border: 2px solid #fff;
    box-shadow: 0 4px 12px rgba(74, 35, 26, 0.14);
    background: linear-gradient(145deg, var(--home-primary-light), var(--home-primary));
    color: #fff;
    font-weight: 700;
}

body.home-body--refined .home-hero__avatar--more,
body.home-body--refined .home-hero__avatar:last-child {
    background: linear-gradient(145deg, var(--home-gold-soft), var(--home-gold));
    color: #1A100E;
}

body.home-body--refined .home-hero__social-text strong {
    font-family: var(--home-serif);
    font-size: 1.05rem;
    font-weight: 600;
    letter-spacing: -0.02em;
}

body.home-body--refined .home-hero__social-rating {
    gap: 4px;
}

body.home-body--refined .home-hero__social-rating i {
    color: var(--home-gold);
}

body.home-body--refined .home-hero__social-rating em {
    font-style: normal;
    margin-left: 4px;
    color: var(--home-muted);
}

body.home-body--refined .home-hero__quick {
    display: inline-flex;
    flex-wrap: wrap;
    gap: 4px;
    padding: 4px;
    border-radius: 14px;
    background: color-mix(in srgb, var(--home-primary) 5%, transparent);
    border: 1px solid color-mix(in srgb, var(--home-primary) 8%, transparent);
}

body.home-body--refined .home-hero__quick-link {
    border-radius: 10px;
    border: none;
    background: transparent;
    box-shadow: none;
    padding: 9px 14px;
    color: var(--home-muted);
}

body.home-body--refined .home-hero__quick-link i {
    color: color-mix(in srgb, var(--home-primary) 75%, var(--home-gold));
}

body.home-body--refined .home-hero__quick-link:hover {
    background: #fff;
    color: var(--home-primary);
    box-shadow: 0 6px 16px rgba(74, 35, 26, 0.08);
    transform: none;
}

body.home-body--refined .home-hero__highlights-shell {
    position: relative;
    padding: clamp(10px, 1.5vw, 14px);
    border-radius: 24px;
    background:
        linear-gradient(165deg, color-mix(in srgb, var(--home-primary) 4%, #fff) 0%, #fff 45%, color-mix(in srgb, var(--home-bg-alt) 35%, #fff) 100%);
    border: 1px solid color-mix(in srgb, var(--home-gold) 28%, var(--home-border));
    box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.95) inset,
        0 18px 48px rgba(74, 35, 26, 0.08);
    overflow: hidden;
}

body.home-body--refined .home-hero__highlights-shell::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--home-gold), var(--home-gold-soft), var(--home-gold), transparent);
    pointer-events: none;
}

body.home-body--refined .home-hero__highlights {
    gap: 10px;
}

body.home-body--refined .home-hero-highlight {
    min-height: clamp(188px, 20vw, 210px);
    border-radius: 18px;
    border-color: transparent;
    background: rgba(255, 255, 255, 0.72);
    box-shadow: none;
}

body.home-body--refined .home-hero-highlight::after {
    left: 18px;
    right: 18px;
    background: linear-gradient(90deg, transparent, color-mix(in srgb, var(--home-gold) 55%, transparent), transparent);
}

body.home-body--refined .home-hero-highlight__icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    color: var(--home-primary);
    background: #fff;
    border: 1px solid color-mix(in srgb, var(--home-gold) 40%, transparent);
    box-shadow: 0 8px 18px rgba(74, 35, 26, 0.08);
}

body.home-body--refined .home-hero-highlight__metric {
    color: color-mix(in srgb, var(--home-primary) 55%, var(--home-gold));
    letter-spacing: 0.1em;
}

body.home-body--refined .home-hero-highlight__arrow {
    border-radius: 12px;
    background: color-mix(in srgb, var(--home-gold) 14%, transparent);
    border-color: color-mix(in srgb, var(--home-gold) 30%, transparent);
    color: var(--home-primary);
}

@media (hover: hover) and (pointer: fine) {
    body.home-body--refined .home-hero-highlight:hover {
        background: #fff;
        border-color: color-mix(in srgb, var(--home-gold) 35%, transparent);
        box-shadow: 0 14px 32px rgba(74, 35, 26, 0.1);
        transform: translateY(-4px);
    }

    body.home-body--refined .home-hero-highlight:hover .home-hero-highlight__arrow {
        background: linear-gradient(145deg, var(--home-gold-soft), var(--home-gold));
        color: #1A100E;
        border-color: transparent;
        opacity: 1;
    }
}

body.home-body--refined .home-hero__badges {
    gap: 10px 12px;
    padding: clamp(16px, 2.5vw, 22px) 4px 0;
    border-top: none;
    border-bottom: none;
}

body.home-body--refined .home-hero__badge {
    border-radius: 12px;
    padding: 9px 14px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.03em;
    color: var(--home-primary);
    background: color-mix(in srgb, var(--home-gold) 12%, #fff);
    border: 1px solid color-mix(in srgb, var(--home-gold) 32%, transparent);
    box-shadow: none;
}

body.home-body--refined .home-hero__badge i {
    color: var(--home-gold);
}

body.home-body--refined .home-hero__badge--branches {
    color: var(--home-muted);
    background: color-mix(in srgb, var(--home-primary) 4%, #fff);
    border-color: color-mix(in srgb, var(--home-primary) 12%, transparent);
}

body.home-body--refined.home-dark .home-hero__toolbar,
body.home-body--refined.home-dark .home-hero__highlights-shell {
    background: linear-gradient(165deg, var(--home-surface-solid) 0%, color-mix(in srgb, var(--home-primary) 10%, var(--home-bg)) 100%);
    border-color: color-mix(in srgb, var(--home-gold) 22%, var(--home-border));
}

body.home-body--refined.home-dark .home-hero-highlight {
    background: color-mix(in srgb, var(--home-primary) 8%, transparent);
}

body.home-body--refined.home-dark .home-hero__badge {
    background: color-mix(in srgb, var(--home-gold) 12%, transparent);
    color: var(--home-gold-soft);
    border-color: color-mix(in srgb, var(--home-gold) 28%, transparent);
}

body.home-body--refined .home-scene__mesh {
    background:
        radial-gradient(ellipse 80% 50% at 20% -10%, color-mix(in srgb, var(--home-accent) 14%, transparent), transparent 55%),
        radial-gradient(ellipse 60% 40% at 90% 10%, color-mix(in srgb, var(--home-primary) 10%, transparent), transparent 50%);
}

@media (prefers-reduced-motion: reduce) {
    body.home-body--refined .home-btn--accent::after,
    body.home-body--refined .home-logo__plate,
    body.home-body--refined .home-nav__cta i,
    body.home-body--refined .home-feature-card,
    body.home-body--refined .home-loan-card,
    body.home-body--refined .home-security-card,
    body.home-body--refined .home-value-card,
    body.home-body--refined .home-step,
    body.home-body--refined .home-branches__card {
        transition: none;
    }
}