/* ================================================================
   HOME PAGE STYLES — Meenadom Service Co-operative Bank
   Matches the client-approved home.html design
   Uses CSS variables from layouts/app.blade.php:
     --color-primary, --color-secondary, --color-primary-hover
================================================================ */

/* ─── TICKER ─── */
.hm-ticker {
    background: var(--color-primary);
    height: 32px;
    overflow: hidden;
    display: flex;
    align-items: center;
}
.hm-ticker-track {
    display: flex;
    animation: hm-tickmove 40s linear infinite;
    white-space: nowrap;
}
.hm-ticker-track span {
    font-size: 11.5px;
    font-weight: 600;
    color: white;
    padding: 0 32px;
}
.hm-ticker-track span::before {
    content: "▶  ";
    font-size: 8px;
    opacity: 0.7;
}
@keyframes hm-tickmove {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* ─── HERO / BANNER SLIDESHOW ─── */
.hm-hero-section {
    position: relative;
    min-height: 540px;
    overflow: hidden;
}
.hm-hero-slide {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    background-size: cover;
    background-position: center top;
    background-repeat: no-repeat;
    opacity: 0;
    transition: opacity 0.8s ease-in-out;
    pointer-events: none;
}
.hm-hero-slide.active {
    opacity: 1;
    position: relative;
    pointer-events: auto;
    min-height: 540px;
    display: flex;
    align-items: center;
    /* height auto-expands if content is taller than min-height */
}
.hm-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(255,255,255,0.92) 0%,
        rgba(255,255,255,0.78) 38%,
        rgba(255,255,255,0.22) 65%,
        rgba(255,255,255,0)    100%
    );
    z-index: 1;
}
.hm-hero-content {
    position: relative;
    z-index: 2;
    padding: 72px 40px 52px;
    max-width: 540px;
}
.hm-hero-badge {
    display: inline-block;
    background: color-mix(in srgb, var(--color-primary) 12%, transparent);
    border: 1px solid color-mix(in srgb, var(--color-primary) 30%, transparent);
    color: var(--color-primary);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 2px;
    text-transform: uppercase;
    padding: 4px 14px;
    border-radius: 4px;
    margin-bottom: 14px;
}
.hm-hero h1 {
    font-size: 38px;
    font-weight: 900;
    color: #0D0D0D;
    line-height: 1.12;
    letter-spacing: -1px;
    margin-bottom: 14px;
}
.hm-hero h1 em {
    font-style: normal;
    color: var(--color-primary);
}
.hm-hero-desc {
    font-size: 13px;
    color: #555;
    line-height: 1.7;
    max-width: 380px;
    margin-bottom: 26px;
}
.hm-hero-actions {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    margin-bottom: 38px;
}
.hm-btn-primary {
    background: var(--color-primary);
    color: white;
    font-size: 12.5px;
    font-weight: 700;
    padding: 11px 22px;
    border-radius: 7px;
    text-decoration: none;
    transition: background 0.2s;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}
.hm-btn-primary:hover { background: var(--color-primary-hover); color: white; }
.hm-btn-outline {
    border: 1.5px solid #333;
    color: #333;
    font-size: 12.5px;
    font-weight: 600;
    padding: 10px 20px;
    border-radius: 7px;
    text-decoration: none;
    background: transparent;
    transition: all 0.2s;
}
.hm-btn-outline:hover { background: rgba(0,0,0,0.06); color: #111; }

/* Hero inline stats */
.hm-hero-stats {
    display: flex;
    gap: 28px;
    flex-wrap: wrap;
}
.hm-hero-stat-val {
    font-size: 15px;
    font-weight: 800;
    color: var(--color-primary);
}
.hm-hero-stat-lbl {
    font-size: 9.5px;
    color: #777;
    font-weight: 500;
    margin-top: 1px;
}

/* Hero nav arrows — hidden for now */
.hm-hero-prev,
.hm-hero-next {
    display: none;
}

/* Hero dots */
.hm-hero-dots {
    position: absolute;
    bottom: 18px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 10;
    display: flex;
    gap: 7px;
}
.hm-hero-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: rgba(0,0,0,0.25);
    border: none;
    cursor: pointer;
    padding: 0;
    transition: all 0.3s;
}
.hm-hero-dot.active {
    background: var(--color-primary);
    width: 22px;
    border-radius: 4px;
}

/* ─── TRUST BADGE ─── */
.hm-trust-badge {
    background: var(--color-primary);
    padding: 10px 40px;
    display: flex;
    align-items: center;
    gap: 10px;
}
.hm-trust-badge-icon { font-size: 16px; }
.hm-trust-badge-text {
    font-size: 13px;
    font-weight: 800;
    color: white;
}

/* ─── STATS BAR ─── */
.hm-stats-bar {
    background: #fff;
    border-bottom: 1px solid rgba(0,0,0,0.08);
    padding: 24px 40px;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}
.hm-stats-bar-item {
    text-align: center;
    border-right: 1px solid rgba(0,0,0,0.08);
    padding: 4px 8px;
}
.hm-stats-bar-item:last-child { border-right: none; }
.hm-sb-val {
    font-size: 24px;
    font-weight: 800;
    color: #0D0D0D;
    letter-spacing: -0.5px;
}
.hm-sb-lbl {
    font-size: 10.5px;
    color: #888;
    margin-top: 2px;
    font-weight: 500;
}

/* ─── SHARED SECTION UTILITIES ─── */
.hm-inner { max-width: 1100px; margin: 0 auto; }
.hm-eyebrow {
    font-size: 10.5px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--color-primary);
    margin-bottom: 10px;
    display: block;
}
.hm-section-title {
    font-size: 30px;
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -0.5px;
    color: #0D0D0D;
    margin-bottom: 8px;
}
.hm-section-title em { font-style: normal; color: var(--color-primary); }

/* ─── WHY CHOOSE ─── */
.hm-why-section {
    background: #fff;
    padding: 64px 40px;
}
.hm-why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 52px;
    align-items: start;
}
.hm-why-desc {
    font-size: 12.5px;
    color: #666;
    line-height: 1.7;
}
.hm-why-pillars {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-top: 36px;
    grid-column: 1 / -1;
}
.hm-pillar {
    background: #FAF8F7;
    border: 1px solid rgba(0,0,0,0.08);
    border-radius: 12px;
    padding: 20px;
}
.hm-pillar-icon {
    width: 40px;
    height: 40px;
    background: color-mix(in srgb, var(--color-primary) 12%, transparent);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    margin-bottom: 12px;
}
.hm-pillar h4 {
    font-size: 13px;
    font-weight: 700;
    color: #0D0D0D;
    margin-bottom: 6px;
}
.hm-pillar p { font-size: 11.5px; color: #666; line-height: 1.6; }

/* ─── SERVICES ─── */
.hm-services-section {
    background: #F7F5F3;
    padding: 64px 40px;
}
.hm-services-title-block { margin-bottom: 28px; }

/* Gold Loan featured card */
.hm-gold-card {
    background: var(--color-primary);
    border-radius: 16px;
    padding: 28px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: center;
    margin-bottom: 18px;
}
.hm-gold-left h3 {
    font-size: 18px;
    font-weight: 800;
    color: white;
    line-height: 1.2;
    margin-bottom: 10px;
}
.hm-gold-left p { font-size: 12px; color: rgba(255,255,255,0.75); line-height: 1.6; margin-bottom: 16px; }
.hm-rate-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(0,0,0,0.2);
    border-radius: 8px;
    padding: 7px 12px;
    margin-bottom: 14px;
    font-size: 13px;
    font-weight: 800;
    color: white;
}
.hm-rate-badge em { font-size: 20px; font-style: normal; }
.hm-gold-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.hm-btn-white {
    background: white;
    color: var(--color-primary);
    font-size: 11.5px;
    font-weight: 700;
    padding: 9px 18px;
    border-radius: 7px;
    text-decoration: none;
    transition: background 0.2s;
}
.hm-btn-white:hover { background: #f5f5f5; }
.hm-btn-white-outline {
    border: 1.5px solid rgba(255,255,255,0.5);
    color: white;
    font-size: 11.5px;
    font-weight: 600;
    padding: 8px 16px;
    border-radius: 7px;
    text-decoration: none;
    background: transparent;
    transition: all 0.2s;
}
.hm-btn-white-outline:hover { background: rgba(255,255,255,0.1); }

/* Gold loan details mock */
.hm-loan-mock {
    background: rgba(0,0,0,0.15);
    border-radius: 12px;
    padding: 16px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}
.hm-loan-row {
    background: rgba(255,255,255,0.12);
    border-radius: 8px;
    padding: 10px 14px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.hm-loan-row-lbl { font-size: 11px; color: rgba(255,255,255,0.6); font-weight: 500; }
.hm-loan-row-val { font-size: 12px; font-weight: 800; color: white; }
.hm-loan-row-val.green { color: #6EE7A0; }
.hm-loan-row-val.fast  { color: #FCD34D; }

/* 2×2 service grid */
.hm-services-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}
.hm-service-card {
    background: color-mix(in srgb, var(--color-primary) 14%, #fff0eb);
    border-radius: 14px;
    padding: 22px;
    transition: transform 0.2s;
}
.hm-service-card:hover { transform: translateY(-3px); }
.hm-svc-icon {
    width: 42px;
    height: 42px;
    background: rgba(255,255,255,0.5);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 12px;
}
.hm-service-card h3 { font-size: 14.5px; font-weight: 800; color: #1A1A1A; margin-bottom: 6px; }
.hm-service-card p { font-size: 11.5px; color: rgba(0,0,0,0.62); line-height: 1.65; margin-bottom: 14px; }
.hm-svc-link {
    font-size: 11.5px;
    font-weight: 700;
    color: var(--color-secondary);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 4px;
    transition: color 0.2s;
}
.hm-svc-link:hover { color: var(--color-primary); }
.hm-svc-rate-tag {
    display: inline-block;
    background: rgba(255,255,255,0.55);
    border-radius: 6px;
    padding: 4px 10px;
    font-size: 12px;
    font-weight: 800;
    color: var(--color-secondary);
    margin-bottom: 12px;
}
.hm-services-cta { text-align: center; margin-top: 28px; }

/* ─── MILESTONES ─── */
.hm-milestones-section {
    background: #fff;
    padding: 64px 40px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 52px;
    align-items: start;
}
.hm-milestone-list {
    display: flex;
    flex-direction: column;
    margin-top: 28px;
}
.hm-milestone {
    display: flex;
    gap: 16px;
    padding: 18px 0;
    border-bottom: 1px solid rgba(0,0,0,0.08);
}
.hm-milestone:last-child { border-bottom: none; }
.hm-m-year {
    font-size: 11px;
    font-weight: 800;
    color: var(--color-primary);
    background: color-mix(in srgb, var(--color-primary) 10%, transparent);
    border-radius: 6px;
    padding: 3px 9px;
    white-space: nowrap;
    height: fit-content;
    margin-top: 2px;
    flex-shrink: 0;
}
.hm-m-title { font-size: 13px; font-weight: 700; color: #0D0D0D; margin-bottom: 3px; }
.hm-m-desc  { font-size: 11.5px; color: #666; line-height: 1.55; }
.hm-milestone-imgs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    grid-template-rows: 168px 168px;
    gap: 12px;
}
.hm-m-img {
    border-radius: 12px;
    overflow: hidden;
    background: color-mix(in srgb, var(--color-primary) 10%, #e8e0d8);
}
.hm-m-img.tall { grid-row: span 2; }
.hm-m-img img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* ─── TESTIMONIALS ─── */
.hm-testimonial-section {
    background: #1A1A1A;
    padding: 64px 40px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    align-items: center;
    min-height: 380px;
    overflow: hidden;
    position: relative;
}
.hm-testi-eyebrow {
    font-size: 10.5px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: color-mix(in srgb, var(--color-primary) 75%, #e8897a);
    margin-bottom: 10px;
    display: block;
}
.hm-testi-title {
    font-size: 34px;
    font-weight: 800;
    color: white;
    letter-spacing: -0.8px;
    line-height: 1.15;
    margin-bottom: 28px;
}
.hm-testi-title em { font-style: normal; color: var(--color-primary); }
.hm-testimonial-left { padding-right: 40px; }
.hm-testi-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 14px;
    padding: 22px;
}
.hm-testi-text {
    font-size: 13px;
    color: rgba(255,255,255,0.80);
    line-height: 1.7;
    margin-bottom: 18px;
    font-style: italic;
}
.hm-testi-author { display: flex; align-items: center; gap: 12px; }
.hm-testi-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--color-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
    font-weight: 800;
    color: white;
    flex-shrink: 0;
    overflow: hidden;
}
.hm-testi-avatar img { width: 100%; height: 100%; object-fit: cover; }
.hm-testi-name { font-size: 13px; font-weight: 700; color: white; }
.hm-testi-role { font-size: 11px; color: rgba(255,255,255,0.4); margin-top: 1px; }
.hm-testi-nav { display: flex; gap: 8px; margin-top: 18px; }
.hm-testi-btn {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    border: none;
    color: white;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s;
    font-size: 18px;
    line-height: 1;
}
.hm-testi-btn:hover { background: var(--color-primary); }

/* Testimonial slide management */
.hm-testi-slides { position: relative; }
.hm-testi-slide { display: none; }
.hm-testi-slide.active { display: block; }

/* Right side: person image fills the column top-to-bottom */
.hm-testimonial-right {
    position: relative;
    overflow: hidden;
    min-height: 420px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #1A1A1A;
}
.hm-testi-person-img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: contain;
    object-position: center center;
    display: block;
}

/* Fallback when no image: stats grid */
.hm-testi-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    width: 100%;
    padding: 20px;
    align-self: center;
}
.hm-testi-stat-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    padding: 18px;
}
.hm-testi-stat-card .num {
    font-size: 26px;
    font-weight: 800;
    color: white;
    letter-spacing: -0.5px;
}
.hm-testi-stat-card .lbl {
    font-size: 10px;
    color: rgba(255,255,255,0.45);
    margin-top: 3px;
}

/* ─── CTA BANNER ─── */
.hm-cta-banner {
    background: color-mix(in srgb, var(--color-primary) 88%, #6b0000);
    padding: 52px 40px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
}
.hm-cta-title {
    font-size: 30px;
    font-weight: 900;
    color: white;
    letter-spacing: -0.6px;
    line-height: 1.15;
    margin-bottom: 12px;
}
.hm-cta-desc {
    font-size: 13px;
    color: rgba(255,255,255,0.65);
    line-height: 1.6;
    margin-bottom: 24px;
}
.hm-cta-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.hm-btn-white-solid {
    background: white;
    color: var(--color-primary);
    font-size: 12.5px;
    font-weight: 800;
    padding: 12px 24px;
    border-radius: 8px;
    text-decoration: none;
    transition: background 0.2s;
}
.hm-btn-white-solid:hover { background: #f0f0f0; color: var(--color-primary); }
.hm-btn-ghost-white {
    border: 1.5px solid rgba(255,255,255,0.4);
    color: white;
    font-size: 12.5px;
    font-weight: 600;
    padding: 11px 22px;
    border-radius: 8px;
    text-decoration: none;
    background: transparent;
    transition: background 0.2s;
}
.hm-btn-ghost-white:hover { background: rgba(255,255,255,0.08); }
.hm-cta-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}
.hm-cta-stat-card {
    background: rgba(0,0,0,0.15);
    border-radius: 10px;
    padding: 16px 18px;
}
.hm-cta-stat-card .num {
    font-size: 24px;
    font-weight: 800;
    color: white;
    letter-spacing: -0.5px;
}
.hm-cta-stat-card .lbl {
    font-size: 10px;
    color: rgba(255,255,255,0.55);
    margin-top: 3px;
}

/* ─── CONTACT ─── */
.hm-contact-section {
    background: #fff;
    padding: 64px 40px;
}
.hm-contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start;
}
.hm-contact-info-list {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-top: 24px;
}
.hm-info-item { display: flex; align-items: flex-start; gap: 12px; }
.hm-info-icon-box {
    width: 40px;
    height: 40px;
    background: color-mix(in srgb, var(--color-primary) 10%, transparent);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    flex-shrink: 0;
}
.hm-info-lbl {
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-primary);
    margin-bottom: 3px;
}
.hm-info-val { font-size: 13px; font-weight: 600; color: #0D0D0D; }
.hm-info-sub { font-size: 11px; color: #888; margin-top: 1px; }
.hm-contact-form { display: flex; flex-direction: column; gap: 14px; }
.hm-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hm-form-group { display: flex; flex-direction: column; gap: 5px; }
.hm-form-lbl { font-size: 11.5px; font-weight: 600; color: #555; }
.hm-form-input {
    padding: 11px 14px;
    background: #FAF8F7;
    border: 1px solid rgba(0,0,0,0.1);
    border-radius: 8px;
    font-size: 13px;
    color: #0D0D0D;
    outline: none;
    transition: border-color 0.2s;
    width: 100%;
    font-family: inherit;
}
.hm-form-input:focus { border-color: var(--color-primary); }
.hm-form-input::placeholder { color: #bbb; }
.hm-form-textarea { resize: vertical; min-height: 100px; }
.hm-form-submit {
    background: #1A1A1A;
    color: white;
    border: none;
    padding: 13px;
    border-radius: 8px;
    font-size: 13.5px;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.2s;
    width: 100%;
    font-family: inherit;
}
.hm-form-submit:hover { background: #333; }
.hm-form-error { font-size: 11px; color: #dc2626; margin-top: 2px; }
.hm-success-box {
    margin-bottom: 16px;
    background: #f0fdf4;
    border: 1px solid #86efac;
    color: #166534;
    padding: 14px 18px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 600;
}

/* ─── RESPONSIVE ─── */

/* ── Tablet (≤ 1024px) ── */
@media (max-width: 1024px) {
    .hm-hero h1 { font-size: 32px; }
    .hm-hero-content { padding: 60px 32px 44px; max-width: 480px; }
    .hm-why-pillars { grid-template-columns: 1fr 1fr; }
}

/* ── Mobile (≤ 768px) ── */
@media (max-width: 768px) {

    /* Ticker */
    .hm-ticker-track span { padding: 0 18px; font-size: 11px; }

    /* ─ Hero ─
       • Remove fixed min-height so content dictates slide height
       • Strengthen gradient to cover full-width text (match home.html feel)
       • Keep horizontal (left→right) gradient — same as home.html
    */
    .hm-hero-section { min-height: 0; }
    .hm-hero-slide { position: absolute; min-height: 0; }
    .hm-hero-slide.active {
        position: relative;
        min-height: 0;        /* height = content, not fixed px */
        display: block;       /* block so content height flows naturally */
    }
    .hm-hero-overlay {
        /* Keep horizontal but push opacity further right so full-width text stays readable */
        background: linear-gradient(
            90deg,
            rgba(255,255,255,0.97) 0%,
            rgba(255,255,255,0.93) 50%,
            rgba(255,255,255,0.70) 75%,
            rgba(255,255,255,0.15) 100%
        );
    }
    .hm-hero-content {
        max-width: 100%;
        padding: 40px 20px 36px;   /* home.html: 60px 20px 30px */
        display: block;
    }
    .hm-hero h1 { font-size: 26px; letter-spacing: -0.5px; margin-bottom: 10px; }
    .hm-hero-desc { max-width: 100%; font-size: 12.5px; margin-bottom: 20px; }
    .hm-hero-actions { margin-bottom: 28px; gap: 8px; }
    .hm-hero-stats {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 10px 20px;
    }
    .hm-hero-stat-val { font-size: 14px; }
    .hm-hero-stat-lbl { font-size: 9.5px; }

    .hm-hero-dots { bottom: 12px; }

    /* Trust badge */
    .hm-trust-badge { padding: 10px 20px; flex-wrap: wrap; gap: 6px; }
    .hm-trust-badge-text { font-size: 12px; }

    /* Stats bar — 2×2 grid */
    .hm-stats-bar {
        grid-template-columns: repeat(2, 1fr);
        padding: 16px 20px;
    }
    .hm-stats-bar-item { padding: 10px 4px; }
    .hm-stats-bar-item:nth-child(2) { border-right: none; }
    .hm-stats-bar-item:nth-child(3) { border-right: 1px solid rgba(0,0,0,0.08); }
    .hm-stats-bar-item:nth-child(1),
    .hm-stats-bar-item:nth-child(2) {
        border-bottom: 1px solid rgba(0,0,0,0.08);
        padding-bottom: 14px;
    }
    .hm-sb-val { font-size: 20px; }
    .hm-sb-lbl { font-size: 10px; }

    /* Why / About */
    .hm-why-section { padding: 48px 20px; }
    .hm-why-grid { grid-template-columns: 1fr; gap: 18px; }
    .hm-why-pillars { grid-template-columns: 1fr; grid-column: auto; margin-top: 20px; }
    .hm-section-title { font-size: 24px; }

    /* Services */
    .hm-services-section { padding: 48px 20px; }
    .hm-gold-card { grid-template-columns: 1fr; gap: 20px; }
    .hm-gold-card .hm-loan-mock { display: none; } /* hide mock on mobile */
    .hm-services-grid { grid-template-columns: 1fr; }

    /* Milestones */
    .hm-milestones-section {
        grid-template-columns: 1fr;
        padding: 48px 20px;
        gap: 28px;
    }
    .hm-milestone-imgs { display: none; }

    /* Testimonials */
    .hm-testimonial-section {
        grid-template-columns: 1fr;
        padding: 48px 20px;
        min-height: auto;
    }
    .hm-testimonial-left { padding-right: 0; }
    .hm-testimonial-right { display: none; min-height: 0; }
    .hm-testi-title { font-size: 26px; margin-bottom: 20px; }

    /* CTA Banner */
    .hm-cta-banner { grid-template-columns: 1fr; padding: 40px 20px; gap: 24px; }
    .hm-cta-title { font-size: 24px; }
    .hm-cta-stats { grid-template-columns: 1fr 1fr; }

    /* Contact */
    .hm-contact-section { padding: 48px 20px; }
    .hm-contact-grid { grid-template-columns: 1fr; gap: 36px; }
    .hm-form-row { grid-template-columns: 1fr; }
}

/* ── Small phones (≤ 480px) ── */
@media (max-width: 480px) {
    .hm-hero h1 { font-size: 22px; }
    .hm-hero-content { padding: 32px 16px 28px; }
    .hm-hero-actions { flex-direction: column; }
    .hm-btn-primary, .hm-btn-outline {
        width: 100%;
        justify-content: center;
        text-align: center;
    }
    .hm-hero-stats { grid-template-columns: 1fr 1fr; gap: 8px 16px; }
    .hm-hero-stat-val { font-size: 13px; }
    .hm-hero-stat-lbl { font-size: 9px; }

    .hm-trust-badge { padding: 10px 16px; }
    .hm-trust-badge-text { font-size: 11px; }

    .hm-gold-actions { flex-direction: column; }
    .hm-why-section,
    .hm-services-section,
    .hm-contact-section { padding-left: 16px; padding-right: 16px; }
    .hm-milestones-section,
    .hm-testimonial-section,
    .hm-cta-banner { padding-left: 16px; padding-right: 16px; }
}