/* Homepage (.hm-*). Bright hero with loan finder, lender ribbon, coloured product tiles, mini EMI calculator. Theme 5A teal + warm gold. */
.hm{--deep:#0B4A4A;--navy:#0E2F3F;--teal:#0B6E63;--gold:#D9A85B;--gold-2:#EBC98E;--ink:#0F2233;--muted:#52606B;--line:#DDE5E3;--tint:#F1F7F5;--paper:#FBF8F1;color:var(--ink)}
.hm h1,.hm h2,.hm h3{font-family:'Manrope',Arial,sans-serif;margin:0;color:var(--ink)}
.hm :where(p){margin:0;color:var(--muted);line-height:1.65}
.hm [id]{scroll-margin-top:96px}
.hm [hidden]{display:none!important}
.hm a{text-decoration:none}

.hm-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 24px;border-radius:12px;font-weight:800;font-size:15px;border:2px solid transparent;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s ease,border-color .18s ease}
.hm-btn:hover{transform:translateY(-2px)}
.hm-btn-solid{background:linear-gradient(135deg,var(--teal),var(--deep));color:#fff;box-shadow:0 10px 24px rgba(11,110,99,.3)}
.hm-btn-solid:hover{box-shadow:0 14px 30px rgba(11,110,99,.42)}
.hm-btn-line{border-color:var(--deep);color:var(--deep);background:#fff}
.hm-btn-line:hover{background:var(--deep);color:#fff}
.hm-btn-gold{background:var(--gold);color:#1E1608}
.hm-btn-gold:hover{background:var(--gold-2)}
.hm-btn-white{background:#fff;color:var(--deep)}
.hm-btn-white:hover{background:var(--gold-2)}
.hm-btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.hm-btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.1)}
.hm-full{width:100%}
.hm a:focus-visible,.hm button:focus-visible{outline:3px solid rgba(11,110,99,.45);outline-offset:3px;border-radius:10px}

.hm-eyebrow{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--gold);margin-bottom:8px}
.hm-section{padding:60px 0}
.hm-tint{background:var(--tint)}
.hm-head{max-width:700px}
.hm-center{margin:0 auto 30px;text-align:center}
.hm-head h2,.hm-network h2,.hm-biz h2{font-size:clamp(26px,3vw,38px);line-height:1.15;letter-spacing:-.03em;font-weight:800}
.hm-head p{margin-top:12px;font-size:17px}

/* Hero */
.hm-hero{padding:52px 0 60px;background:radial-gradient(720px 380px at 6% 0,rgba(217,168,91,.22),transparent 62%),radial-gradient(760px 420px at 96% 20%,rgba(11,110,99,.16),transparent 62%),linear-gradient(180deg,var(--paper),#fff)}
.hm-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
.hm-tag{display:inline-flex;align-items:center;gap:9px;padding:6px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--teal);font-size:12px;font-weight:800;letter-spacing:.12em;margin-bottom:18px}
.hm-tag span{width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(217,168,91,.25)}
.hm-hero h1{font-size:clamp(36px,4.8vw,60px);line-height:1.05;letter-spacing:-.04em;font-weight:800}
.hm-hero h1 em{font-style:normal;color:var(--teal);background:linear-gradient(transparent 64%,rgba(233,196,106,.55) 64%,rgba(233,196,106,.55) 92%,transparent 92%);padding:0 2px}
.hm-hero-copy>p{font-size:18px;margin-top:18px;max-width:560px}
.hm-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hm-proof{display:flex;flex-wrap:wrap;gap:0;margin:34px 0 0;padding-top:22px;border-top:1px solid var(--line)}
.hm-proof>div{padding-right:26px;margin-right:26px;border-right:1px solid var(--line)}
.hm-proof>div:last-child{border:0;margin:0;padding:0}
.hm-proof dt{font-size:20px;font-weight:800;letter-spacing:-.02em;color:var(--deep)}
.hm-proof dd{margin:2px 0 0;font-size:13px;color:var(--muted);font-weight:600}

/* Finder */
.hm-finder{padding:26px 28px 22px;border-radius:26px;background:#fff;border:1px solid var(--line);box-shadow:0 30px 64px rgba(15,34,51,.16);display:grid;gap:18px}
.hm-finder-top{display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.hm-finder-top small{display:block;font-size:11.5px;font-weight:800;letter-spacing:.14em;color:var(--gold);margin-bottom:4px}
.hm-finder-top h2{font-size:22px;line-height:1.2;letter-spacing:-.02em;font-weight:800}
.hm-finder-top>span{display:inline-flex;align-items:center;gap:7px;padding:5px 12px;border-radius:99px;background:#E3F1EE;color:var(--deep);font-size:12px;font-weight:800;white-space:nowrap}
.hm-finder-top>span i{width:7px;height:7px;border-radius:50%;background:#1FA97C;box-shadow:0 0 0 3px rgba(31,169,124,.25)}
.hm-types{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.hm-types button{all:unset;box-sizing:border-box;display:grid;justify-items:center;align-content:center;gap:7px;padding:14px 6px;border-radius:14px;border:1.5px solid var(--line);background:#fff;cursor:pointer;text-align:center;color:var(--deep);transition:border-color .15s ease,background .15s ease,transform .15s ease,box-shadow .15s ease}
.hm-types button b{font-size:13px;font-weight:800;color:var(--ink)}
.hm-types button svg{color:var(--teal)}
.hm-types button:hover{border-color:var(--teal);transform:translateY(-2px)}
.hm-types button[aria-checked=true]{border-color:var(--deep);background:var(--deep);box-shadow:0 10px 20px rgba(11,74,74,.25)}
.hm-types button[aria-checked=true] b{color:#fff}
.hm-types button[aria-checked=true] svg{color:var(--gold-2)}
.hm-types button:focus-visible{outline:3px solid rgba(11,110,99,.45);outline-offset:2px}
.hm-amount label{display:block;font-size:13.5px;font-weight:700;margin-bottom:8px}
.hm-amt{display:flex;align-items:center;height:52px;border:1.5px solid var(--line);border-radius:14px;background:#fff;margin-bottom:12px;transition:border-color .15s ease,box-shadow .15s ease}
.hm-amt:focus-within{border-color:var(--teal);box-shadow:0 0 0 4px rgba(11,110,99,.13)}
.hm-amt span{padding:0 4px 0 16px;font-weight:800;font-size:19px;color:var(--teal)}
.hm .hm-amt input{flex:1;min-width:0;height:100%;border:0;background:transparent;padding:0 16px 0 4px;font:inherit;font-size:21px;font-weight:800;letter-spacing:-.01em;color:var(--ink);outline:0;box-shadow:none}
.hm input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;padding:0;margin:0;border:0;border-radius:99px;outline:0;cursor:pointer;background:linear-gradient(90deg,var(--teal) var(--fill,30%),#E3ECE9 var(--fill,30%))}
.hm input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:4px solid var(--teal);box-shadow:0 3px 9px rgba(11,74,74,.35)}
.hm input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:4px solid var(--teal)}
.hm input[type=range]:focus-visible{outline:3px solid rgba(11,110,99,.35);outline-offset:6px}
.hm-scale{display:flex;justify-content:space-between;margin-top:6px;font-size:11.5px;color:#8A969C}
.hm-mini{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hm-mini>div{display:flex;gap:11px;align-items:center;padding:11px 14px;border-radius:14px;background:var(--tint)}
.hm-mini svg{color:var(--teal);flex:none}
.hm-mini small{display:block;font-size:11.5px;color:var(--muted);font-weight:700}
.hm-mini b{display:block;font-size:14px}
.hm .hm-note{font-size:12px;line-height:1.5;text-align:center}

/* Ribbon */
.hm-ribbon{display:flex;align-items:stretch;background:var(--deep);border-top:3px solid var(--gold);overflow:hidden}
.hm-ribbon-label{display:flex;align-items:center;gap:8px;flex:none;padding:0 22px 0 max(20px,calc((100vw - 1180px)/2));background:var(--navy);color:var(--gold-2);font-size:12.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;position:relative;z-index:1;box-shadow:12px 0 18px -8px rgba(0,0,0,.4)}
.hm-rtrack{display:flex;width:max-content;animation:hmScroll 60s linear infinite}
.hm-ribbon:hover .hm-rtrack{animation-play-state:paused}
.hm-rset{display:flex;align-items:center;flex:none}
.hm-rset span{padding:16px 26px;font-size:15px;font-weight:700;color:#fff;white-space:nowrap;position:relative}
.hm-rset span::after{content:"";position:absolute;right:-4px;top:50%;width:8px;height:8px;transform:translateY(-50%) rotate(45deg);background:var(--gold)}
@keyframes hmScroll{to{transform:translateX(-50%)}}

/* Product tiles */
.hm-tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.hm-tile{--ac:#0B6E63;--as:#DFF3EF;position:relative;display:flex;flex-direction:column;gap:6px;padding:22px 22px 24px;border-radius:20px;background:#fff;border:1px solid var(--line);color:var(--ink);overflow:hidden;transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}
.hm-tile::before{content:"";position:absolute;left:0;top:0;right:0;height:4px;background:var(--ac);transform:scaleX(0);transform-origin:left;transition:transform .3s ease}
.hm-tile:hover{transform:translateY(-5px);border-color:var(--ac);box-shadow:0 18px 36px rgba(15,34,51,.12)}
.hm-tile:hover::before{transform:scaleX(1)}
.hm-tile.c-teal{--ac:#0B6E63;--as:#DFF3EF}.hm-tile.c-sage{--ac:#2E8B57;--as:#DDF1DF}.hm-tile.c-copper{--ac:#B5673A;--as:#F6E7DC}.hm-tile.c-blue{--ac:#1E6F8C;--as:#DDEEF5}
.hm-tile.c-gold{--ac:#B7791F;--as:#FBF0D3}.hm-tile.c-ink{--ac:#2B6F8F;--as:#E1EEF5}.hm-tile.c-navy{--ac:#123B4F;--as:#DCE6EC}.hm-tile.c-slate{--ac:#52606B;--as:#ECEFF1}
.hm-ico{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;background:var(--as);color:var(--ac);margin-bottom:10px;transition:background .2s ease,color .2s ease}
.hm-tile:hover .hm-ico{background:var(--ac);color:#fff}
.hm-tile h3{font-size:18px;font-weight:800;letter-spacing:-.01em}
.hm-tile p{font-size:14px;line-height:1.5}
.hm-tile em{margin-top:auto;padding-top:12px;display:inline-flex;color:var(--ac)}
.hm-tile em svg{transition:transform .2s ease}
.hm-tile:hover em svg{transform:translateX(5px)}

/* Mini EMI */
.hm-emi{display:grid;grid-template-columns:.9fr 1.1fr;gap:52px;align-items:center}
.hm-checks{list-style:none;margin:18px 0 22px;padding:0;display:grid;gap:9px}
.hm-checks li{display:flex;gap:10px;align-items:center;font-size:15.5px;font-weight:600}
.hm-checks svg{color:var(--teal)}
.hm-calc{display:grid;grid-template-columns:1fr 1fr;border-radius:24px;overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:0 26px 56px rgba(15,34,51,.14)}
.hm-calc-in{padding:28px 28px;display:grid;gap:22px;align-content:center}
.hm-calc-in label>span{display:flex;justify-content:space-between;align-items:baseline;font-size:14px;font-weight:700;margin-bottom:10px}
.hm-calc-in b{font-size:18px;letter-spacing:-.02em;color:var(--teal)}
.hm-calc-out{padding:28px;color:#fff;background:radial-gradient(360px 220px at 100% 0,rgba(217,168,91,.3),transparent 65%),linear-gradient(160deg,var(--deep),var(--navy));display:grid;gap:12px;align-content:center}
.hm-calc-out small{font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--gold-2)}
.hm-calc-out strong{font-size:clamp(34px,3.6vw,46px);letter-spacing:-.04em;line-height:1.05;font-weight:800;color:#fff;font-variant-numeric:tabular-nums}
.hm-bar{height:10px;border-radius:99px;background:var(--gold);overflow:hidden}
.hm-bar i{display:block;height:100%;background:#63C4B5;transition:width .2s ease}
.hm-split{display:grid;gap:8px}
.hm-split span{display:flex;align-items:center;gap:9px;font-size:14px;color:rgba(255,255,255,.82)}
.hm-split i{width:11px;height:11px;border-radius:3px;flex:none}
.hm-split .p{background:#63C4B5}.hm-split .i{background:var(--gold)}
.hm-split b{margin-left:auto;color:#fff;font-variant-numeric:tabular-nums}
.hm .hm-calc-out p{font-size:12px;color:rgba(255,255,255,.62);line-height:1.5;margin-top:4px}

/* Steps */
.hm-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;position:relative}
.hm-steps li{position:relative;padding:26px 22px 24px;border-radius:20px;background:#fff;border:1px solid var(--line);transition:transform .2s ease,box-shadow .2s ease}
.hm-steps li:hover{transform:translateY(-4px);box-shadow:0 16px 30px rgba(15,34,51,.08)}
.hm-steps li:not(:last-child)::after{content:"";position:absolute;right:-19px;top:46px;width:20px;border-top:2px dashed #B9D3CE}
.hm-steps li>span{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;margin-bottom:14px}
.hm-steps .s1>span{background:#DFF3EF;color:#0B6E63}.hm-steps .s2>span{background:#FBF1DC;color:#9A6B00}.hm-steps .s3>span{background:#E4EEF6;color:#3B78B0}.hm-steps .s4>span{background:#DDF1DF;color:#2E7D4F}
.hm-steps li>b{position:absolute;right:20px;top:18px;font-size:34px;font-weight:800;letter-spacing:-.04em;color:rgba(15,34,51,.08)}
.hm-steps h3{font-size:19px;font-weight:800;margin-bottom:6px}
.hm-steps p{font-size:14.5px;line-height:1.6}
.hm-trust{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 22px;margin-top:26px;font-size:14.5px;font-weight:700}
.hm-trust span{display:inline-flex;align-items:center;gap:8px}
.hm-trust svg{color:var(--teal)}
.hm-trust a{display:inline-flex;align-items:center;gap:7px;color:var(--teal);font-weight:800}
.hm-trust a:hover{text-decoration:underline}

/* Network */
.hm-network{padding:60px 0;color:#fff;background:radial-gradient(620px 320px at 90% 0,rgba(217,168,91,.2),transparent 62%),linear-gradient(135deg,var(--navy),var(--deep))}
.hm-network-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.hm-network h2{color:#fff}
.hm .hm-network p{color:rgba(255,255,255,.78);font-size:17px;margin:14px 0 24px}
.hm-network .hm-eyebrow{color:var(--gold-2)}
.hm-kinds{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hm-kinds>div{padding:20px;border-radius:18px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);display:grid;gap:4px;transition:background .2s ease,transform .2s ease}
.hm-kinds>div:hover{background:rgba(255,255,255,.12);transform:translateY(-3px)}
.hm-kinds>div>span{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,#F6E3A8,#D9A85B);color:#3A2806;margin-bottom:8px}
.hm-kinds b{font-size:17px;color:#fff}
.hm-kinds small{font-size:13px;color:rgba(255,255,255,.7)}

/* Business */
.hm-biz{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.hm-biz p{font-size:17px;margin:14px 0 24px}
.hm-metrics{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hm-metrics>div{padding:20px;border-radius:18px;display:grid;gap:3px;border:1px solid var(--line);transition:transform .2s ease}
.hm-metrics>div:hover{transform:translateY(-3px)}
.hm-metrics .m1{background:#DFF3EF}.hm-metrics .m2{background:#FBF1DC}.hm-metrics .m3{background:#E4EEF6}.hm-metrics .m4{background:#F6E4DA}
.hm-metrics small{font-size:11.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:rgba(15,34,51,.55)}
.hm-metrics strong{font-size:19px;letter-spacing:-.02em}
.hm-metrics span{font-size:13.5px;color:#3E4C57}

/* Learn */
.hm-learn{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.hm-learn a{display:flex;align-items:center;gap:16px;padding:20px 22px;border-radius:18px;background:#fff;border:1px solid var(--line);color:var(--ink);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.hm-learn a:hover{transform:translateY(-4px);box-shadow:0 14px 28px rgba(15,34,51,.09);border-color:var(--teal)}
.hm-learn a>span{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;flex:none}
.hm-learn .l1>span{background:#DFF3EF;color:#0B6E63}.hm-learn .l2>span{background:#FBF1DC;color:#9A6B00}.hm-learn .l3>span{background:#E4EEF6;color:#3B78B0}
.hm-learn a>div{flex:1}
.hm-learn b{display:block;font-size:16.5px}
.hm-learn small{display:block;font-size:13.5px;color:var(--muted);margin-top:2px}
.hm-learn a>svg{color:var(--teal);transition:transform .2s ease}
.hm-learn a:hover>svg{transform:translateX(5px)}

/* CTA */
.hm-cta{background:linear-gradient(135deg,var(--deep),var(--navy));padding:46px 0;color:#fff}
.hm-cta .container{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.hm-cta small{display:block;font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--gold-2);margin-bottom:6px}
.hm-cta h2{color:#fff;font-size:clamp(26px,3vw,38px);letter-spacing:-.03em;font-weight:800}
.hm .hm-cta p{color:rgba(255,255,255,.75);margin-top:8px;font-size:16.5px}
.hm-cta-actions{display:flex;flex-wrap:wrap;gap:12px}

/* Responsive */
@media (max-width:1100px){
  .hm-tiles{grid-template-columns:repeat(2,1fr)}
  .hm-steps{grid-template-columns:repeat(2,1fr)}
  .hm-steps li:not(:last-child)::after{display:none}
}
@media (max-width:980px){
  .hm-hero-grid,.hm-emi,.hm-network-grid,.hm-biz{grid-template-columns:1fr;gap:32px}
  .hm-hero{padding:36px 0 44px}
  .hm-section,.hm-network{padding:46px 0}
  .hm-learn{grid-template-columns:1fr}
  .hm-ribbon-label{padding-left:20px}
}
@media (max-width:640px){
  .hm-calc{grid-template-columns:1fr}
  .hm-tiles,.hm-steps,.hm-kinds,.hm-metrics{grid-template-columns:1fr}
  .hm-types{grid-template-columns:repeat(4,1fr);gap:8px}
  .hm-types button{padding:12px 2px}
  .hm-types button b{font-size:11.5px}
  .hm-mini{grid-template-columns:1fr}
  .hm-actions .hm-btn{width:100%}
  .hm-proof>div{padding-right:16px;margin-right:16px}
  .hm-finder{padding:22px 18px 18px}
  .hm-ribbon-label span{display:none}
}
@media (prefers-reduced-motion:reduce){.hm *{transition:none!important}.hm-rtrack{animation:none!important;flex-wrap:wrap;width:auto}.hm-rset[aria-hidden="true"]{display:none}}