.hero {
  padding: 34px 0 42px;
}

.hero-panel {
  position: relative;
  padding: 34px;
  border: 1px solid rgba(19, 33, 27, 0.08);
  border-radius: var(--radius-xl);
  background:
    radial-gradient(circle at 14% 18%, rgba(199, 154, 59, 0.16), transparent 20%),
    radial-gradient(circle at 92% 24%, rgba(29, 123, 117, 0.1), transparent 18%),
    linear-gradient(160deg, rgba(255, 248, 236, 0.95), rgba(238, 224, 194, 0.82)),
    var(--surface);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.hero-panel::after {
  position: absolute;
  right: -48px;
  top: -42px;
  width: 240px;
  height: 240px;
  border-radius: 999px;
  background: radial-gradient(circle, rgba(199, 154, 59, 0.22), transparent 68%);
  content: "";
  pointer-events: none;
}

.hero-copy h1 {
  max-width: 10ch;
  margin-top: 16px;
  margin-bottom: 18px;
  font-family: "Fraunces", serif;
  font-size: clamp(2.6rem, 4.8vw, 4.8rem);
  line-height: 0.95;
  letter-spacing: -0.05em;
  color: #18233a;
  overflow-wrap: break-word;
}

.hero-copy p {
  max-width: 54ch;
  color: var(--muted);
  font-size: 1.08rem;
}

.hero-copy .button-row {
  margin-top: 26px;
}

.hero-copy .small-text {
  margin-top: 14px;
}

.hero-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: center;
}

@media (min-width: 1440px) {
  .hero-top {
    grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
  }
}

.hero-stage {
  padding: 20px;
  border: 1px solid rgba(19, 33, 27, 0.08);
  border-radius: 30px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.48), rgba(255, 250, 241, 0.88)),
    rgba(255, 249, 240, 0.82);
  box-shadow: var(--shadow-sm);
}

.hero-stage--plain {
  display: block;
}

.hero-stage-figure {
  overflow: hidden;
  border-radius: 24px;
  border: 1px solid rgba(19, 33, 27, 0.08);
  background: linear-gradient(180deg, rgba(28, 125, 117, 0.08), rgba(199, 154, 59, 0.08));
}

.hero-stage-illustration {
  display: block;
  width: 100%;
  aspect-ratio: 5 / 4;
  object-fit: cover;
}

.story-panel {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid rgba(88, 63, 23, 0.12);
}

.hero-stage--plain .story-panel {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}

.story-panel__meta {
  display: inline-flex;
  align-items: center;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(199, 154, 59, 0.12);
  color: var(--accent-strong);
  font-size: 0.84rem;
  text-transform: uppercase;
}

.story-panel__quote {
  margin-top: 12px;
  font-family: "Fraunces", serif;
  font-size: 1.45rem;
  line-height: 1.15;
  color: #18233a;
}

.hero-pillars {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.hero-pillars li {
  padding: 14px 16px;
  border-radius: 18px;
  border: 1px solid rgba(88, 63, 23, 0.1);
  background: rgba(255, 255, 255, 0.64);
}

.hero-pillars strong {
  display: block;
  margin-bottom: 4px;
  color: #18233a;
}

.hero-trust {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 28px;
}

.hero-trust .mini-card {
  padding: 18px;
  border: 1px solid rgba(19, 33, 27, 0.08);
  border-radius: 18px;
  background: rgba(255, 250, 241, 0.72);
  min-height: 112px;
  display: grid;
  align-content: start;
}

.hero-trust .mini-card strong {
  display: block;
  margin-bottom: 6px;
}

.hero-aside {
  position: sticky;
  top: 108px;
  padding: 24px;
  border: 1px solid rgba(19, 33, 27, 0.08);
  border-radius: var(--radius-lg);
  background:
    radial-gradient(circle at 80% 12%, rgba(199, 154, 59, 0.14), transparent 22%),
    linear-gradient(180deg, rgba(22, 38, 60, 0.97), rgba(15, 31, 49, 0.99)),
    var(--surface-dark);
  color: #ffffff;
  box-shadow: var(--shadow-lg);
}

.hero-aside .eyebrow {
  border-color: rgba(255, 255, 255, 0.12);
  background: rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.74);
}

.hero-aside h2 {
  margin-top: 16px;
  margin-bottom: 10px;
  font-size: 1.6rem;
  line-height: 1.1;
}

.hero-aside p,
.hero-aside .form-note,
.hero-aside .calc-footnote {
  color: rgba(255, 255, 255, 0.72);
}

.loan-calculator {
  display: grid;
  gap: 20px;
  margin-top: 22px;
}

.range-field {
  display: grid;
  gap: 10px;
}

.range-field label {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.72);
}

.range-field strong {
  color: #ffffff;
}

.range-track {
  accent-color: var(--accent-strong);
  width: 100%;
}

.range-caption {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.84rem;
}

.calc-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.calc-stat {
  padding: 14px;
  border-radius: 16px;
  background: rgba(255, 248, 236, 0.08);
  border: 1px solid rgba(199, 154, 59, 0.1);
}

.calc-stat span {
  display: block;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.84rem;
}

.calc-stat strong {
  display: block;
  margin-top: 5px;
  font-size: 1.1rem;
}

.calc-actions {
  display: grid;
  gap: 10px;
}

.calc-actions .button,
.calc-actions .button-ghost {
  width: 100%;
}

.stats-ribbon {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 22px;
}

.stats-ribbon .metric-card {
  padding: 18px 20px;
}

.timeline {
  display: grid;
  gap: 18px;
}

.timeline-card {
  position: relative;
  padding-left: 84px;
}

.timeline-index {
  position: absolute;
  left: 24px;
  top: 24px;
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(199, 154, 59, 0.18), rgba(29, 123, 117, 0.1));
  color: var(--accent-strong);
  font-weight: 700;
}

.trust-banner {
  padding: 26px 28px;
}

.trust-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 20px;
}

.review-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.review-card {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: rgba(255, 250, 241, 0.88);
  box-shadow: var(--shadow-sm);
}

.review-card footer {
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}

.article-preview-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.cta-panel {
  padding: 34px;
  border-radius: var(--radius-lg);
  background:
    linear-gradient(135deg, rgba(22, 38, 60, 0.96), rgba(26, 70, 74, 0.94)),
    var(--surface-dark);
  color: #ffffff;
  box-shadow: var(--shadow-lg);
}

.cta-panel p {
  color: rgba(255, 255, 255, 0.78);
}

@media (max-width: 1240px) {
  .hero-top {
    gap: 24px;
  }

  .hero-aside {
    position: relative;
    top: 0;
  }

  .review-grid,
  .article-preview-grid,
  .trust-grid {
    grid-template-columns: 1fr;
  }

  .stats-ribbon {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  .hero {
    padding: 18px 0 30px;
  }

  .hero-panel,
  .hero-aside,
  .cta-panel {
    padding: 22px;
    border-radius: 28px;
  }

  .hero-copy h1 {
    max-width: 9.6ch;
    font-size: clamp(2.5rem, 12vw, 3.7rem);
  }

  .hero-copy p {
    font-size: 1rem;
  }

  .hero-top {
    gap: 18px;
  }

  .hero-stage {
    padding: 16px;
    border-radius: 24px;
  }

  .story-panel__quote {
    font-size: 1.22rem;
  }

  .hero-pillars {
    gap: 8px;
  }

  .hero-pillars li {
    padding: 12px 14px;
    border-radius: 16px;
  }

  .hero-trust {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }

  .hero-trust .mini-card {
    padding: 14px;
    min-height: 100px;
  }

  .hero-trust .mini-card strong {
    font-size: 0.98rem;
  }

  .stats-ribbon {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
  }

  .stats-ribbon .metric-card {
    padding: 16px 14px;
  }

  .stats-ribbon .metric-card .value {
    font-size: 1.6rem;
  }

  .calc-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .range-field label {
    flex-direction: column;
    align-items: flex-start;
    gap: 6px;
  }

  .calc-stat {
    min-height: 82px;
    padding: 12px;
  }

  .timeline-card {
    padding: 74px 18px 18px;
  }

  .timeline-index {
    left: 18px;
    top: 18px;
  }
}

@media (max-width: 420px) {
  .hero-trust,
  .stats-ribbon,
  .calc-grid {
    grid-template-columns: 1fr;
  }
}