.home-hero {
    min-height: 820px;
    overflow: hidden;
    padding: 152px 0 120px;
    position: relative;
}

.home-hero:before {
    background-image: linear-gradient(rgba(12, 16, 54, .04) 1px, transparent 1px), linear-gradient(90deg, rgba(12, 16, 54, .04) 1px, transparent 1px);
    background-size: 44px 44px;
    content: "";
    inset: 0;
    mask-image: linear-gradient(180deg, #000, transparent 78%);
    position: absolute;
}

.hero-ribbon {
    background: linear-gradient(135deg, rgba(41, 162, 159, .18), rgba(231, 176, 25, .14));
    border-radius: 46% 54% 58% 42%;
    height: 520px;
    position: absolute;
    right: -180px;
    top: 105px;
    transform: rotate(-10deg);
    width: 640px;
}

.hero-copy,
.hero-media { position: relative; z-index: 1; }

.hero-copy h1 {
    color: var(--fm-navy);
    font-size: clamp(3rem, 7vw, 5.8rem);
    font-weight: 900;
    letter-spacing: 0;
    line-height: .98;
    margin: 18px 0 22px;
}

.hero-copy p {
    color: var(--fm-muted);
    font-size: 1.1rem;
    line-height: 1.9;
    max-width: 660px;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-trust span {
    background: rgba(255, 255, 255, .82);
    border: 1px solid rgba(255, 255, 255, .86);
    border-radius: 999px;
    box-shadow: var(--fm-shadow-soft);
    color: var(--fm-navy);
    font-size: .9rem;
    font-weight: 800;
    padding: 10px 14px;
}

.hero-media { min-height: 620px; }
.hero-main-photo {
    height: 610px;
    object-fit: cover;
    width: min(100%, 520px);
}

.hero-float-card {
    border-radius: 22px;
    padding: 18px;
    position: absolute;
    z-index: 3;
}

.hero-float-card strong { color: var(--fm-navy); display: block; font-size: 1.05rem; }
.hero-float-card span { color: var(--fm-muted); display: block; font-size: .9rem; margin-top: 4px; }
.float-a { left: -18px; top: 70px; width: 230px; }
.float-b { bottom: 62px; right: 0; width: 250px; }
.float-c { bottom: 148px; left: 28px; width: 172px; }

.smart-search { margin-top: -88px; position: relative; z-index: 5; }
.smart-search-panel {
    border-radius: 30px;
    padding: 24px;
}

.smart-search .form-label { color: var(--fm-navy); font-size: .82rem; font-weight: 900; }

.service-tile,
.why-tile,
.step-tile,
.testimonial-tile,
.blog-tile {
    height: 100%;
    padding: 28px;
}

.service-tile img,
.blog-tile img {
    border-radius: 20px;
    height: 210px;
    margin: -10px -10px 24px;
    object-fit: cover;
    width: calc(100% + 20px);
}

.tile-icon {
    align-items: center;
    background: rgba(41, 162, 159, .12);
    border-radius: 18px;
    color: var(--fm-teal);
    display: inline-flex;
    font-size: 1.35rem;
    height: 56px;
    justify-content: center;
    margin-bottom: 18px;
    width: 56px;
}

.market-card h3,
.service-tile h3,
.why-tile h3,
.step-tile h3,
.testimonial-tile h3,
.blog-tile h3 {
    color: var(--fm-navy);
    font-size: 1.25rem;
    font-weight: 900;
}

.market-card p,
.service-tile p,
.why-tile p,
.step-tile p,
.testimonial-tile p,
.blog-tile p {
    color: var(--fm-muted);
    line-height: 1.75;
}

.market-card {
    display: grid;
    gap: 18px;
    grid-template-columns: 118px 1fr;
    padding: 18px;
}

.market-card img {
    border-radius: 20px;
    height: 132px;
    object-fit: cover;
    width: 118px;
}

.stats-band {
    background: linear-gradient(135deg, var(--fm-navy), #172052);
    color: #fff;
    overflow: hidden;
    position: relative;
}

.stats-band:after {
    background: linear-gradient(135deg, rgba(41, 162, 159, .18), rgba(231, 176, 25, .16));
    border-radius: 48% 52% 45% 55%;
    content: "";
    height: 360px;
    position: absolute;
    right: -80px;
    top: -120px;
    width: 440px;
}

.stat-item { position: relative; z-index: 1; }
.stat-item strong { display: block; font-size: clamp(2rem, 5vw, 4rem); font-weight: 900; }
.stat-item span { color: rgba(255, 255, 255, .72); font-weight: 700; }

.cta-panel {
    background: linear-gradient(135deg, rgba(12, 16, 54, .96), rgba(41, 162, 159, .86)), url("https://images.unsplash.com/photo-1601758063541-d2f50b4aafb2?auto=format&fit=crop&w=1600&q=80") center/cover;
    border-radius: 34px;
    color: #fff;
    overflow: hidden;
    padding: 58px;
}

.app-panel {
    background: linear-gradient(135deg, #fff, #eaf9f8);
    border-radius: 34px;
    overflow: hidden;
    padding: 46px;
}

.phone-mock {
    background: var(--fm-navy);
    border: 10px solid #fff;
    border-radius: 42px;
    box-shadow: var(--fm-shadow);
    color: #fff;
    margin-left: auto;
    max-width: 300px;
    min-height: 420px;
    padding: 28px;
}

@media (max-width: 991.98px) {
    .home-hero { min-height: auto; padding-bottom: 80px; }
    .hero-media { margin-top: 42px; min-height: 520px; }
    .hero-main-photo { height: 520px; width: 100%; }
    .smart-search { margin-top: -34px; }
    .float-a { left: 12px; }
    .float-b { right: 12px; }
    .cta-panel,
    .app-panel { padding: 34px; }
}

@media (max-width: 575.98px) {
    .hero-actions .btn { width: 100%; }
    .market-card { grid-template-columns: 1fr; }
    .market-card img { height: 190px; width: 100%; }
    .hero-float-card { position: static; margin-top: 12px; width: 100%; }
    .hero-media { min-height: auto; }
}