/* ============================================================
   20. HOMEPAGE SECTIONS
   Scoped to .is-homepage main wrapper — different palette and
   section rhythm than city pages.
   ============================================================ */

/* ---- Home Hero ---- */
.home-hero {
  position: relative;
  padding: var(--sp-4xl) 0 var(--sp-4xl);
  background:
    radial-gradient(ellipse 1000px 700px at 85% 10%, rgba(212,168,83,0.18), transparent 55%),
    radial-gradient(ellipse 700px 500px at 5% 100%, rgba(124,45,59,0.1), transparent 55%),
    linear-gradient(168deg, #FCFAF6 0%, #F4EDDF 55%, #EADFC6 100%);
  overflow: hidden;
  isolation: isolate;
}
.home-hero__bg-decor {
  position: absolute;
  top: -180px; right: -140px;
  width: 640px; height: 640px;
  background: radial-gradient(circle, rgba(212,168,83,0.2), rgba(212,168,83,0.04) 50%, transparent 75%);
  border-radius: 50%;
  filter: blur(4px);
  pointer-events: none;
  z-index: 0;
}
.home-hero > .container { position: relative; z-index: 1; }
.home-hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
  gap: var(--sp-3xl);
  align-items: center;
}
.home-hero__flag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--c-white);
  border: 1px solid rgba(212,168,83,0.4);
  color: var(--c-burgundy);
  padding: 8px 16px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.06em;
  margin-bottom: var(--sp-md);
  box-shadow: 0 4px 12px rgba(74,21,37,0.08);
}
.home-hero__flag svg { color: var(--c-gold-dark); }
.home-hero__title {
  font-family: var(--ff-headline);
  font-size: clamp(36px, 4.6vw, 58px);
  font-weight: 900;
  line-height: 1.04;
  letter-spacing: -0.03em;
  color: var(--c-text-deep);
  margin: 0 0 var(--sp-md);
}
.home-hero__title-accent {
  display: block;
  color: var(--c-burgundy);
}
.home-hero__subtitle {
  font-size: 19px;
  line-height: 1.6;
  color: var(--c-muted);
  max-width: 580px;
  margin: 0 0 var(--sp-lg);
}
.home-hero__subtitle strong {
  color: var(--c-burgundy-dark);
  font-weight: 700;
}
.home-hero__services {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--sp-xl);
  max-width: 580px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 20px;
}
.home-hero__services li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--ff-headline);
  font-size: 15px;
  font-weight: 600;
  color: var(--c-text-deep);
  line-height: 1.3;
}
.home-hero__services svg {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  padding: 3px;
  border-radius: 50%;
  background: var(--c-gold);
  color: var(--c-burgundy-dark);
  box-shadow: 0 2px 6px rgba(212,168,83,0.3);
}
.home-hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-md);
  margin-bottom: var(--sp-md);
}
.home-hero__phone {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  font-family: var(--ff-headline);
  font-size: 14px;
  color: var(--c-muted);
  margin-bottom: var(--sp-lg);
}
.home-hero__phone a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--c-burgundy);
  font-weight: 800;
  font-size: 17px;
  text-decoration: none;
}
.home-hero__phone a:hover { color: var(--c-gold-hover); }
.home-hero__phone-sub {
  display: block;
  width: 100%;
  font-size: 12px;
  color: var(--c-muted-light);
  font-weight: 500;
}
.home-hero__trust-row {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-lg);
  padding: var(--sp-md) 0 0;
  margin: 0;
  border-top: 1px solid rgba(124,45,59,0.15);
}
.home-hero__trust-row li {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--ff-headline);
  font-size: 13px;
  font-weight: 600;
  color: var(--c-text);
}
.home-hero__trust-row svg { color: var(--c-gold-dark); flex-shrink: 0; }
.home-hero__visual {
  position: relative;
}
.home-hero__image {
  position: relative;
  aspect-ratio: 3 / 4;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow:
    0 40px 80px -20px rgba(74,21,37,0.3),
    0 16px 32px -12px rgba(45,41,38,0.2),
    0 0 0 1px rgba(255,255,255,0.7);
  margin: 0;
}
.home-hero__image-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}
.home-hero__image-caption {
  position: absolute;
  left: var(--sp-lg);
  right: var(--sp-lg);
  bottom: var(--sp-lg);
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  padding: 12px 16px;
  border-radius: var(--radius);
  font-family: var(--ff-headline);
  font-size: 13px;
  font-weight: 600;
  color: var(--c-text-deep);
  box-shadow: 0 8px 20px rgba(0,0,0,0.15);
  display: flex;
  align-items: center;
  gap: 10px;
}
.home-hero__caption-badge {
  display: inline-block;
  background: var(--c-gold);
  color: var(--c-burgundy-dark);
  padding: 3px 8px;
  border-radius: 4px;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* ---- Find Your City ---- */
.find-city {
  background: var(--c-white);
  padding: var(--sp-4xl) var(--sp-lg);
  border-bottom: 1px solid var(--c-border);
}
.find-city__inner {
  max-width: var(--container-md);
  margin: 0 auto;
}
.find-city__head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--sp-2xl);
}
.find-city__eyebrow {
  display: inline-block;
  background: var(--c-gold-light);
  border: 1px solid rgba(212,168,83,0.35);
  color: var(--c-burgundy);
  padding: 6px 14px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 14px;
}
.find-city__head h2 {
  font-family: var(--ff-headline);
  font-size: clamp(28px, 3.6vw, 38px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--c-text-deep);
  margin: 0 0 14px;
}
.find-city__sub {
  font-size: 17px;
  color: var(--c-muted);
  line-height: 1.6;
  margin: 0;
}

.find-city__picker {
  max-width: 640px;
  margin: 0 auto var(--sp-lg);
  background: var(--c-bg-warm);
  border: 1px solid var(--c-border);
  border-radius: var(--radius-xl);
  padding: var(--sp-xl) var(--sp-lg);
  box-shadow: 0 18px 40px -20px rgba(74,21,37,0.15);
}
.find-city__picker-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--ff-headline);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--c-burgundy);
  margin-bottom: 12px;
}
.find-city__picker-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 10px;
}
.find-city__select {
  padding: 14px 18px;
  font-family: var(--ff-body);
  font-size: 16px;
  color: var(--c-text-deep);
  background: var(--c-white);
  border: 2px solid var(--c-border);
  border-radius: var(--radius);
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%237C2D3B' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 18px;
  padding-right: 44px;
  cursor: pointer;
  transition: border-color .2s, box-shadow .2s;
}
.find-city__select:focus {
  outline: none;
  border-color: var(--c-gold);
  box-shadow: 0 0 0 3px rgba(212,168,83,0.25);
}
.find-city__go {
  padding: 0 22px;
  min-height: 52px;
}
.find-city__go:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

.find-city__divider {
  text-align: center;
  margin: var(--sp-xl) 0 var(--sp-lg);
  position: relative;
  color: var(--c-muted);
  font-family: var(--ff-headline);
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
}
.find-city__divider::before,
.find-city__divider::after {
  content: "";
  position: absolute;
  top: 50%;
  width: calc(50% - 140px);
  height: 1px;
  background: var(--c-border);
}
.find-city__divider::before { left: 0; }
.find-city__divider::after { right: 0; }

.find-city__metros {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: 10px;
  max-width: 960px;
  margin: 0 auto var(--sp-xl);
}
.metro-chip {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 14px 18px;
  background: var(--c-bg);
  border: 1.5px solid var(--c-border);
  border-radius: var(--radius);
  text-decoration: none;
  color: var(--c-text-deep);
  font-family: var(--ff-headline);
  transition: background .2s, border-color .2s, transform .15s, box-shadow .2s;
}
.metro-chip:hover {
  background: var(--c-white);
  border-color: var(--c-gold);
  transform: translateY(-2px);
  box-shadow: 0 8px 18px -6px rgba(74,21,37,0.15);
}
.metro-chip strong { font-size: 15px; font-weight: 700; color: var(--c-text-deep); }
.metro-chip span {
  font-size: 11px;
  font-weight: 600;
  color: var(--c-gold-dark);
  background: var(--c-gold-light);
  padding: 3px 7px;
  border-radius: 4px;
  letter-spacing: 0.04em;
}

.find-city__foot {
  text-align: center;
  font-size: 14px;
  color: var(--c-muted);
  margin: 0;
}
.find-city__link {
  background: none;
  border: none;
  padding: 0;
  color: var(--c-burgundy);
  font-weight: 700;
  text-decoration: underline;
  text-decoration-color: var(--c-gold);
  text-underline-offset: 3px;
  cursor: pointer;
  font-family: inherit;
  font-size: inherit;
}
.find-city__link:hover { color: var(--c-gold-hover); }

/* ---- How It Works ---- */
.how-it-works {
  background: var(--c-bg-warm);
  padding: var(--sp-4xl) var(--sp-lg);
  border-top: 1px solid var(--c-border);
  border-bottom: 1px solid var(--c-border);
}
.how-it-works__inner {
  max-width: var(--container-md);
  margin: 0 auto;
}
.how-it-works__head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--sp-2xl);
}
.how-it-works__eyebrow {
  display: inline-block;
  background: var(--c-gold-light);
  border: 1px solid rgba(212,168,83,0.35);
  color: var(--c-burgundy);
  padding: 6px 14px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 14px;
}
.how-it-works__head h2 {
  font-family: var(--ff-headline);
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 800;
  color: var(--c-text-deep);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin: 0 0 14px;
}
.how-it-works__sub {
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-muted);
  margin: 0;
}
.how-it-works__steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-xl);
}
.how-it-works__step {
  position: relative;
  padding: var(--sp-xl) var(--sp-lg) var(--sp-lg);
  padding-left: 92px;
  background: var(--c-white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--c-border);
  box-shadow: 0 6px 18px -8px rgba(74,21,37,0.1);
}
.how-it-works__num {
  position: absolute;
  top: var(--sp-xl);
  left: 22px;
  width: 46px;
  height: 46px;
  background: var(--c-burgundy);
  color: var(--c-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--ff-headline);
  font-weight: 900;
  font-size: 18px;
  box-shadow: 0 6px 14px rgba(74,21,37,0.3);
}
.how-it-works__icon {
  display: none;  /* Icon is decorative, number is the visual anchor */
}
.how-it-works__step h3 {
  font-family: var(--ff-headline);
  font-size: 20px;
  font-weight: 800;
  color: var(--c-text-deep);
  margin: 0 0 8px;
  line-height: 1.25;
}
.how-it-works__lede {
  font-size: 15px;
  color: var(--c-text);
  line-height: 1.55;
  margin: 0 0 12px;
}
.how-it-works__lede strong { color: var(--c-burgundy); }
.how-it-works__details {
  list-style: none;
  padding: 12px 0 0;
  margin: 0;
  border-top: 1px dashed var(--c-border);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.how-it-works__details li {
  position: relative;
  padding-left: 18px;
  font-size: 13px;
  color: var(--c-muted);
  line-height: 1.5;
}
.how-it-works__details li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--c-gold);
  font-weight: 800;
}
.how-it-works__details strong { color: var(--c-burgundy); font-weight: 700; }

.how-it-works__cta {
  text-align: center;
  margin-top: var(--sp-2xl);
}
.how-it-works__cta p {
  margin: 14px 0 0;
  font-size: 14px;
  color: var(--c-muted);
}
.how-it-works__cta strong {
  color: var(--c-burgundy);
  font-family: var(--ff-headline);
  font-weight: 800;
}

/* ---- Home Products ---- */
.home-products {
  background: var(--c-white);
  padding: var(--sp-4xl) var(--sp-lg);
}
.home-products__inner {
  max-width: var(--container-md);
  margin: 0 auto;
}
.home-products__head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--sp-2xl);
}
.home-products__eyebrow {
  display: inline-block;
  background: var(--c-gold-light);
  border: 1px solid rgba(212,168,83,0.35);
  color: var(--c-burgundy);
  padding: 6px 14px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 14px;
}
.home-products__head h2 {
  font-family: var(--ff-headline);
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--c-text-deep);
  margin: 0 0 14px;
}
.home-products__sub {
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-muted);
  margin: 0;
}
.home-products__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-xl);
  margin-bottom: var(--sp-xl);
}
.home-product-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  box-shadow: 0 10px 30px -15px rgba(74,21,37,0.15);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.home-product-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 24px 50px -20px rgba(74,21,37,0.25);
  border-color: rgba(212,168,83,0.45);
}
.home-product-card__media {
  position: relative;
  aspect-ratio: 4 / 3;
  background: var(--c-bg-warm);
  overflow: hidden;
}
.home-product-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.home-product-card__badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: var(--c-burgundy);
  color: var(--c-white);
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 6px 12px;
  border-radius: 4px;
  box-shadow: 0 4px 10px rgba(0,0,0,0.18);
}
.home-product-card__body {
  padding: var(--sp-lg) var(--sp-lg) var(--sp-lg);
  display: flex;
  flex-direction: column;
  flex: 1;
}
.home-product-card__name {
  font-family: var(--ff-headline);
  font-size: 24px;
  font-weight: 800;
  color: var(--c-text-deep);
  margin: 0 0 4px;
  letter-spacing: -0.01em;
}
.home-product-card__tag {
  font-family: var(--ff-headline);
  font-size: 15px;
  font-weight: 600;
  color: var(--c-burgundy);
  margin: 0 0 12px;
  line-height: 1.35;
}
.home-product-card__desc {
  font-size: 14px;
  line-height: 1.6;
  color: var(--c-text);
  margin: 0 0 var(--sp-md);
  flex: 1;
}
.home-product-card__specs {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--sp-md);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 16px;
}
.home-product-card__specs li {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  color: var(--c-text);
  font-weight: 500;
}
.home-product-card__specs svg {
  color: var(--c-gold-dark);
  flex-shrink: 0;
}
.home-product-card__price-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  padding-top: var(--sp-md);
  border-top: 1px solid var(--c-border);
  gap: 12px;
  flex-wrap: wrap;
}
.home-product-card__price-label {
  display: block;
  font-family: var(--ff-headline);
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--c-muted);
  margin-bottom: 2px;
}
.home-product-card__price {
  display: block;
  font-family: var(--ff-headline);
  font-size: 22px;
  font-weight: 800;
  color: var(--c-burgundy);
  line-height: 1;
}
.home-product-card__range {
  display: block;
  font-size: 11px;
  color: var(--c-muted);
  margin-top: 3px;
}
.home-product-card__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--ff-headline);
  font-size: 13px;
  font-weight: 700;
  color: var(--c-burgundy);
  text-decoration: none;
  padding: 10px 16px;
  border: 1.5px solid var(--c-burgundy);
  border-radius: var(--radius);
  transition: background .2s;
}
.home-product-card__link:hover {
  background: var(--c-burgundy);
  color: var(--c-white);
}
.home-products__foot {
  text-align: center;
  font-size: 15px;
  color: var(--c-muted);
  margin: 0;
}
.home-products__link {
  background: none;
  border: none;
  color: var(--c-burgundy);
  font-weight: 700;
  text-decoration: underline;
  text-decoration-color: var(--c-gold);
  text-underline-offset: 3px;
  cursor: pointer;
  font-family: inherit;
  font-size: inherit;
  padding: 0;
}

/* ---- Home Funding ---- */
.home-funding {
  background: var(--c-bg);
  padding: var(--sp-4xl) var(--sp-lg);
  border-top: 1px solid var(--c-border);
}
.home-funding__inner {
  max-width: var(--container-md);
  margin: 0 auto;
}
.home-funding__head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto var(--sp-2xl);
}
.home-funding__eyebrow {
  display: inline-block;
  background: var(--c-gold-light);
  border: 1px solid rgba(212,168,83,0.35);
  color: var(--c-burgundy);
  padding: 6px 14px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 14px;
}
.home-funding__head h2 {
  font-family: var(--ff-headline);
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--c-text-deep);
  margin: 0 0 14px;
}
.home-funding__sub {
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-muted);
  margin: 0;
}
.home-funding__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-lg);
  margin-bottom: var(--sp-xl);
}
.home-funding .funding-card {
  position: relative;
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: var(--sp-lg);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.home-funding .funding-card:hover {
  transform: translateY(-3px);
  border-color: rgba(212,168,83,0.5);
  box-shadow: 0 16px 32px -12px rgba(74,21,37,0.2);
}
.home-funding .funding-card__tag {
  position: absolute;
  top: 14px;
  right: 14px;
  display: inline-block;
  font-family: var(--ff-headline);
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 999px;
}
.funding-card__tag--vets      { background: #E8F5E9; color: #1A8738; }
.funding-card__tag--medicaid  { background: #E3F2FD; color: #0A5AA0; }
.funding-card__tag--tax       { background: #FEE7E6; color: #C41200; }
.funding-card__tag--state     { background: #F5EFE7; color: #7C2D3B; }
.funding-card__tag--loan      { background: var(--c-gold-light); color: var(--c-burgundy-dark); }
.funding-card__tag--medicare  { background: #EDE4F5; color: #5A3A8F; }
.home-funding .funding-card__icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--c-burgundy), var(--c-burgundy-dark));
  color: var(--c-gold);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--sp-md);
}
.funding-card__title {
  font-family: var(--ff-headline);
  font-size: 18px;
  font-weight: 800;
  color: var(--c-text-deep);
  margin: 0 0 4px;
  line-height: 1.3;
}
.funding-card__amount {
  font-family: var(--ff-headline);
  font-size: 14px;
  font-weight: 700;
  color: var(--c-gold-dark);
  margin-bottom: 12px;
}
.funding-card__desc {
  font-size: 14px;
  line-height: 1.55;
  color: var(--c-text);
  margin: 0 0 var(--sp-md);
}
.funding-card__elig {
  display: block;
  font-size: 11px;
  color: var(--c-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
  padding-top: 10px;
  border-top: 1px dashed var(--c-border);
  margin-bottom: 12px;
}
.funding-card__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--ff-headline);
  font-size: 13px;
  font-weight: 700;
  color: var(--c-burgundy);
  text-decoration: none;
}
.funding-card__link:hover { color: var(--c-gold-hover); }
.home-funding__foot {
  background: var(--c-bg-warm);
  border: 1px solid var(--c-border);
  border-radius: var(--radius-lg);
  padding: var(--sp-xl) var(--sp-2xl);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-lg);
  flex-wrap: wrap;
}
.home-funding__foot p {
  margin: 0;
  font-size: 15px;
  line-height: 1.55;
  color: var(--c-text);
  flex: 1;
  min-width: 260px;
}

/* ---- Home Knowledge Hub ---- */
.home-kh {
  background: var(--c-bg);
  padding: var(--sp-4xl) var(--sp-lg);
  border-top: 1px solid var(--c-border);
}
.home-kh__inner {
  max-width: var(--container-md);
  margin: 0 auto;
}
.home-kh__head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--sp-2xl);
}
.home-kh__eyebrow {
  display: inline-block;
  background: var(--c-gold-light);
  border: 1px solid rgba(212,168,83,0.35);
  color: var(--c-burgundy);
  padding: 6px 14px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 14px;
}
.home-kh__head h2 {
  font-family: var(--ff-headline);
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--c-text-deep);
  margin: 0 0 14px;
}
.home-kh__sub {
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-muted);
  margin: 0;
}
.home-kh__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-lg);
  margin-bottom: var(--sp-xl);
}
.home-kh__foot {
  text-align: center;
  font-size: 14px;
  color: var(--c-muted);
  margin: 0;
}
.home-kh__foot a {
  color: var(--c-burgundy);
  font-weight: 700;
  text-decoration: none;
  margin-left: 8px;
}
.home-kh__foot a:hover { color: var(--c-gold-hover); }

/* ---- Home Final CTA ---- */
.home-final-cta {
  position: relative;
  background:
    radial-gradient(ellipse at 80% 15%, rgba(212,168,83,0.22), transparent 55%),
    radial-gradient(ellipse at 15% 90%, rgba(212,168,83,0.12), transparent 55%),
    linear-gradient(160deg, var(--c-burgundy) 0%, var(--c-burgundy-dark) 100%);
  color: var(--c-white);
  padding: var(--sp-4xl) var(--sp-lg);
  overflow: hidden;
  text-align: center;
}
.home-final-cta::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, transparent, var(--c-gold), transparent);
}
.home-final-cta__inner {
  max-width: 840px;
  margin: 0 auto;
  position: relative;
}
.home-final-cta__eyebrow {
  display: inline-block;
  background: var(--c-gold);
  color: var(--c-burgundy-dark);
  padding: 7px 18px;
  border-radius: 999px;
  font-family: var(--ff-headline);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  margin-bottom: 20px;
}
.home-final-cta h2 {
  font-family: var(--ff-headline);
  font-size: clamp(32px, 4.4vw, 46px);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--c-white);
  margin: 0 0 var(--sp-md);
}
.home-final-cta h2 span { color: var(--c-gold); display: block; }
.home-final-cta__sub {
  font-size: 18px;
  line-height: 1.6;
  color: rgba(255,255,255,0.88);
  margin: 0 0 var(--sp-xl);
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}
.home-final-cta__sub strong { color: var(--c-gold); }

.home-final-cta__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-lg);
  flex-wrap: wrap;
  margin-bottom: var(--sp-2xl);
}
.home-final-cta__actions .btn {
  padding: 20px 36px;
  font-size: 18px;
  box-shadow: 0 18px 40px rgba(212,168,83,0.4);
}
.home-final-cta__phone {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--c-white);
  text-decoration: none;
  padding: 12px 20px;
  border-radius: var(--radius);
  transition: background .2s;
}
.home-final-cta__phone:hover { background: rgba(255,255,255,0.08); color: var(--c-white); }
.home-final-cta__phone svg { color: var(--c-gold); flex-shrink: 0; }
.home-final-cta__phone span {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}
.home-final-cta__phone strong {
  font-family: var(--ff-headline);
  font-size: 20px;
  font-weight: 800;
  line-height: 1.1;
  color: var(--c-gold);
}
.home-final-cta__phone small {
  font-size: 12px;
  color: rgba(255,255,255,0.65);
  margin-top: 2px;
}

.home-final-cta__trust {
  list-style: none;
  display: flex;
  justify-content: center;
  gap: var(--sp-xl);
  flex-wrap: wrap;
  padding: var(--sp-lg) 0 0;
  margin: 0;
  border-top: 1px solid rgba(212,168,83,0.3);
}
.home-final-cta__trust li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--ff-headline);
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
}
.home-final-cta__trust svg { color: var(--c-gold); flex-shrink: 0; }

/* ---- Homepage Responsive ---- */
@media (max-width: 1024px) {
  .home-hero__grid { grid-template-columns: 1fr; gap: var(--sp-xl); }
  .home-hero__visual { max-width: 560px; margin: 0 auto; width: 100%; }
  .how-it-works__steps { grid-template-columns: 1fr; }
  .home-products__grid { grid-template-columns: 1fr; max-width: 560px; margin-left: auto; margin-right: auto; }
  .home-funding__grid { grid-template-columns: repeat(2, 1fr); }
  .home-kh__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .home-hero { padding: var(--sp-3xl) 0 var(--sp-2xl); }
  .home-hero__title { font-size: 32px; }
  .home-hero__subtitle { font-size: 16px; }
  .home-hero__services { grid-template-columns: 1fr; gap: 8px; }
  .home-hero__ctas { flex-direction: column; }
  .home-hero__ctas .btn { width: 100%; }
  .find-city { padding: var(--sp-3xl) var(--sp-md); }
  .find-city__head h2 { font-size: 24px; }
  .find-city__picker-row { grid-template-columns: 1fr; }
  .find-city__divider::before,
  .find-city__divider::after { width: calc(50% - 110px); }
  .how-it-works { padding: var(--sp-3xl) var(--sp-md); }
  .how-it-works__head h2 { font-size: 24px; }
  .how-it-works__step { padding-left: var(--sp-lg); padding-top: 70px; }
  .how-it-works__num { top: var(--sp-lg); left: var(--sp-lg); }
  .home-products { padding: var(--sp-3xl) var(--sp-md); }
  .home-products__head h2 { font-size: 24px; }
  .home-product-card__name { font-size: 22px; }
  .home-funding { padding: var(--sp-3xl) var(--sp-md); }
  .home-funding__head h2 { font-size: 24px; }
  .home-funding__grid { grid-template-columns: 1fr; }
  .home-funding__foot { padding: var(--sp-lg) var(--sp-md); text-align: center; }
  .home-kh { padding: var(--sp-3xl) var(--sp-md); }
  .home-kh__head h2 { font-size: 24px; }
  .home-kh__grid { grid-template-columns: 1fr; }
  .home-final-cta { padding: var(--sp-3xl) var(--sp-md); }
  .home-final-cta h2 { font-size: 28px; }
  .home-final-cta__sub { font-size: 16px; }
  .home-final-cta__actions { flex-direction: column; }
  .home-final-cta__actions .btn { width: 100%; padding: 18px 24px; font-size: 16px; }
  .home-final-cta__phone { width: 100%; justify-content: center; }
}