:root{
  --black:#000;
  --panel:#050505;
  --white:#fff;
  --muted:#e7e7e7;
  --gold:#d8b52c;
  --gold-2:#ffe05b;
  --green:#24a83a;
  --green-dark:#08731c;
  --border:rgba(216,181,44,.62);
  --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--white);background:#000;line-height:1.35;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}.section-shell{max-width:var(--max);margin-inline:auto}
.topbar{position:relative;z-index:20;display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:82px;padding:10px clamp(18px,4vw,42px);background:linear-gradient(180deg,#060606,#000 90%);border-bottom:1px solid rgba(216,181,44,.35)}
.brand img{width:130px;height:auto}.call-top{display:flex;align-items:center;gap:12px;text-transform:uppercase;color:var(--gold-2);letter-spacing:.4px}.call-top .call-icon{width:42px;height:42px;border:3px solid var(--gold);border-radius:50%;display:grid;place-items:center;font-size:23px;color:var(--gold)}.call-top strong{display:block;font-size:15px;line-height:1;color:var(--gold)}.call-top b{display:block;font-size:28px;line-height:1.05;color:#fff;text-shadow:0 2px 11px rgba(255,255,255,.24)}
.hero{position:relative;display:grid;grid-template-columns:minmax(360px,43%) 1fr;gap:16px;align-items:center;min-height:560px;padding:28px clamp(16px,3vw,24px) 24px;overflow:hidden;background:radial-gradient(circle at 73% 28%,rgba(27,113,204,.55),transparent 29%),linear-gradient(180deg,#071826 0%,#000 79%)}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 73% 46%,transparent 0 25%,rgba(0,0,0,.18) 48%,rgba(0,0,0,.94) 100%);pointer-events:none}.hero-copy,.hero-media{position:relative;z-index:1}.eyebrow{margin:0 0 9px;color:var(--gold-2);font-weight:900;text-transform:uppercase;letter-spacing:1.8px;font-size:17px}.hero h1{margin:0;font-family:Arial Black,Impact,Arial,sans-serif;font-size:clamp(50px,6.25vw,74px);line-height:.94;text-transform:uppercase;letter-spacing:-1px;text-shadow:0 4px 18px rgba(0,0,0,.85)}.hero h1 span{display:block;color:var(--gold);text-shadow:0 0 18px rgba(216,181,44,.48)}.subhead{margin:17px 0 15px;font-size:17px;font-weight:800;color:#f6f6f6;border-bottom:1px solid rgba(216,181,44,.65);display:inline-block;padding-bottom:8px}.loan-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 22px;margin:0 0 22px;max-width:560px;font-weight:900;font-size:15px}.loan-list span{position:relative;padding-left:29px;text-shadow:0 1px 8px #000}.loan-list span::before{content:"✓";position:absolute;left:0;top:-2px;width:21px;height:21px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:#050505;font-weight:900;font-size:15px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.btn{min-width:214px;display:inline-flex;align-items:center;justify-content:center;gap:12px;padding:15px 22px;border-radius:10px;font-family:Arial Black,Arial,sans-serif;text-transform:uppercase;font-size:22px;line-height:1;border:2px solid rgba(255,255,255,.68);box-shadow:inset 0 0 0 1px rgba(255,255,255,.15),0 12px 26px rgba(0,0,0,.52);transition:transform .2s ease,filter .2s ease}.btn:hover{transform:translateY(-2px);filter:brightness(1.08)}.btn small{display:block;font-size:13px;letter-spacing:.8px;margin-top:4px;color:#fff}.btn span{font-size:28px;line-height:1}.btn-primary{background:linear-gradient(180deg,#47cf55,#178d2a 72%,#0b6c19);border-color:#72e880}.btn-outline{background:linear-gradient(180deg,#171717,#060606);border-color:#8e8e8e}.btn-large{min-width:min(100%,430px);font-size:25px;padding:18px 36px}.hero-media{align-self:stretch;display:flex;align-items:end;justify-content:center;margin-right:-22px}.hero-media img{width:100%;height:455px;object-fit:cover;object-position:center bottom;border-radius:2px;filter:saturate(1.08) contrast(1.05);mask-image:linear-gradient(90deg,transparent 0%,#000 10%,#000 100%)}
.programs{display:grid;grid-template-columns:repeat(5,1fr);gap:11px;padding:14px clamp(16px,3vw,22px) 12px;background:#fff}.program-card{position:relative;min-height:250px;overflow:hidden;border-radius:10px;background:#111;border:2px solid #ededed;box-shadow:0 7px 16px rgba(0,0,0,.28)}.program-card img{width:100%;height:100%;min-height:250px;object-fit:cover;transition:transform .25s ease}.program-card:hover img{transform:scale(1.035)}.program-card::after{content:"";position:absolute;inset:42% 0 0;background:linear-gradient(180deg,transparent,#000 62%)}.program-icon{position:absolute;left:50%;bottom:77px;z-index:1;transform:translateX(-50%);width:66px;height:66px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(180deg,#f1cb63,#b58122);color:#fff;font-size:27px;font-weight:900;border:4px solid rgba(255,255,255,.5);box-shadow:0 8px 21px rgba(0,0,0,.55)}.program-card h2{position:absolute;z-index:2;left:8px;right:8px;bottom:14px;margin:0;font-family:Arial Black,Arial,sans-serif;text-align:center;text-transform:uppercase;font-size:16px;line-height:1.08;text-shadow:0 3px 11px #000}
.benefit-strip{max-width:var(--max);margin-inline:auto;display:grid;grid-template-columns:repeat(5,1fr);padding:12px 14px;background:#050505;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.benefit-strip div{display:flex;align-items:center;justify-content:center;gap:10px;min-height:54px;padding:8px 12px;text-align:left;text-transform:uppercase;font-family:Arial Black,Arial,sans-serif;font-size:13px;line-height:1.08;border-right:1px solid rgba(216,181,44,.45)}.benefit-strip div:last-child{border-right:0}.benefit-strip span{color:var(--gold);font-size:28px;line-height:1}
.cta-panel{background:#fff;color:#070707;border:4px solid rgba(216,181,44,.68);border-radius:14px;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;text-align:center;padding:22px clamp(16px,3vw,30px);margin-top:0}.cta-panel h2{font-family:Arial Black,Arial,sans-serif;text-transform:uppercase;font-size:clamp(32px,4vw,45px);line-height:1;margin:0 0 5px}.cta-panel p{margin:0 0 13px;color:#b28d18;font-family:Arial Black,Arial,sans-serif;text-transform:uppercase;font-size:20px}.arrow{font-size:54px;color:#b79a24;font-weight:900}.left{text-align:right}.right{text-align:left}
.credit-band{margin-top:14px;display:grid;grid-template-columns:37% 1fr 34%;align-items:center;gap:22px;background:linear-gradient(90deg,#070707,#101408,#050505);border:2px solid rgba(216,181,44,.48);border-radius:12px;padding:16px 20px;overflow:hidden}.credit-image img{border-radius:10px;max-height:230px;width:100%;object-fit:cover}.credit-copy{border-left:1px solid rgba(216,181,44,.5);padding-left:22px}.credit-copy h2{margin:0 0 9px;font-family:Arial Black,Arial,sans-serif;color:var(--gold);font-size:30px;text-transform:uppercase}.credit-copy ul{list-style:none;margin:0;padding:0;font-weight:900;font-size:16px}.credit-copy li{margin:5px 0;padding-left:27px;position:relative}.credit-copy li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}.credit-cta{background:linear-gradient(180deg,#ffd961,#bc8120);color:#050505;border-radius:12px;border:2px solid #ffe68a;display:flex;align-items:center;justify-content:center;gap:9px;flex-wrap:wrap;padding:18px 18px;text-align:center;text-transform:uppercase;box-shadow:0 12px 28px rgba(0,0,0,.45)}.credit-cta span{font-size:29px}.credit-cta strong{display:block;font-family:Arial Black,Arial,sans-serif;font-size:17px;line-height:1}.credit-cta small{display:block;flex-basis:100%;font-weight:900;font-size:12px}
.contact-footer{display:grid;grid-template-columns:1.05fr 1.18fr .55fr 1.42fr;gap:20px;align-items:center;padding:24px clamp(16px,3vw,24px) 30px;background:#050505;border-top:1px solid rgba(216,181,44,.45)}.contact-footer>div{min-height:132px;border-right:1px solid rgba(216,181,44,.38);padding-right:18px}.contact-footer>div:last-child{border-right:0;padding-right:0}.footer-brand img{width:135px;margin-bottom:10px}.footer-brand p,.contact-card p,.legal p{margin:0 0 9px;color:#eaeaea;font-size:13px}.contact-card h2{margin:0 0 4px;color:var(--gold);font-family:Arial Black,Arial,sans-serif;font-size:22px}.contact-links a{color:var(--gold-2);font-weight:900}.housing{display:grid;place-items:center}.housing img{width:96px}.legal{font-size:13px}.legal strong{color:#fff}
@media (max-width:1050px){.hero{grid-template-columns:1fr;min-height:auto}.hero-media{margin:4px 0 0}.hero-media img{height:auto;max-height:420px;mask-image:linear-gradient(180deg,#000 0%,#000 80%,transparent 100%)}.programs{grid-template-columns:repeat(3,1fr)}.benefit-strip{grid-template-columns:repeat(2,1fr)}.benefit-strip div:nth-child(even){border-right:0}.credit-band{grid-template-columns:1fr 1fr}.credit-cta{grid-column:1/-1}.contact-footer{grid-template-columns:1fr 1fr}}
@media (max-width:720px){.topbar{align-items:center;min-height:68px;padding:8px 15px}.brand img{width:112px}.call-top{gap:7px}.call-top .call-icon{display:none}.call-top strong{font-size:12px}.call-top b{font-size:18px}.hero{padding-top:22px}.eyebrow{font-size:14px}.hero h1{font-size:42px}.subhead{font-size:15px}.loan-list{grid-template-columns:1fr;font-size:14px;gap:7px;margin-bottom:18px}.hero-actions{display:grid;grid-template-columns:1fr}.btn{width:100%;min-width:0;font-size:20px}.programs{grid-template-columns:1fr 1fr;gap:9px}.program-card,.program-card img{min-height:210px}.program-card h2{font-size:14px}.program-icon{width:55px;height:55px;font-size:22px;bottom:65px}.benefit-strip{grid-template-columns:1fr}.benefit-strip div{border-right:0;border-bottom:1px solid rgba(216,181,44,.35);justify-content:flex-start;min-height:48px}.benefit-strip div:last-child{border-bottom:0}.cta-panel{grid-template-columns:1fr;padding:20px 14px}.arrow{display:none}.cta-panel h2{font-size:30px}.cta-panel p{font-size:17px}.credit-band{grid-template-columns:1fr;text-align:left;padding:16px}.credit-copy{border-left:0;padding-left:0}.credit-copy h2{font-size:27px}.contact-footer{grid-template-columns:1fr}.contact-footer>div{border-right:0;border-bottom:1px solid rgba(216,181,44,.35);padding-right:0;padding-bottom:17px}.contact-footer>div:last-child{border-bottom:0}.housing{place-items:start}.housing img{width:88px}}
@media (max-width:420px){.programs{grid-template-columns:1fr}.hero h1{font-size:38px}.subhead{font-size:15px}.btn-large{font-size:21px;padding:16px 18px}}


/* ===== V3 visual refinement: more photo-like, flyer-inspired finish ===== */
:root{--max:1220px;--gold:#d9b52d;--gold-2:#ffe157;--green:#20af3b;}
.topbar{min-height:76px;padding:9px clamp(16px,3.6vw,38px);background:linear-gradient(180deg,#080808,#000);}
.brand img{width:122px}.call-top .call-icon{width:42px;height:42px}.call-top b{font-size:27px}.call-top strong{font-size:14px}
.hero{grid-template-columns:minmax(390px,41%) 1fr;min-height:525px;padding:24px clamp(18px,3vw,26px) 24px;background:radial-gradient(circle at 72% 33%,rgba(25,110,210,.52),transparent 30%),linear-gradient(180deg,#05131f,#000 80%);}
.hero::before{background:linear-gradient(90deg,rgba(0,0,0,.95) 0%,rgba(0,0,0,.72) 36%,rgba(0,0,0,.14) 60%,rgba(0,0,0,.55) 100%),radial-gradient(circle at 74% 50%,transparent 0 24%,rgba(0,0,0,.25) 47%,#000 100%)}
.hero h1{font-size:clamp(54px,6.35vw,78px);letter-spacing:-2px;filter:drop-shadow(0 10px 10px rgba(0,0,0,.7))}.hero h1 span{text-shadow:0 0 24px rgba(216,181,44,.58)}
.eyebrow{font-size:17px;margin-bottom:10px}.subhead{margin:16px 0 13px;padding-bottom:7px}.loan-list{gap:8px 20px;margin-bottom:20px;font-size:15px}.hero-actions{gap:12px}.btn{border-radius:9px}.btn-icon{width:24px;height:24px;border:3px solid currentColor;display:inline-grid!important;place-items:center;font-size:17px!important;line-height:1;border-radius:2px;font-family:Arial Black,Arial,sans-serif}.btn-outline .btn-icon{border:0;font-size:27px!important;width:auto;height:auto}.hero-media{margin-right:-28px;filter:drop-shadow(0 18px 28px rgba(0,0,0,.65))}.hero-media img{height:425px;border-radius:3px;object-position:center center;mask-image:linear-gradient(90deg,transparent 0%,#000 13%,#000 92%,transparent 100%)}
.programs{padding:16px 18px 14px;gap:12px;border-top:4px solid #fff;border-bottom:4px solid #fff}.program-card{min-height:238px;border-radius:9px;border:2px solid #f6f6f6;box-shadow:0 8px 18px rgba(0,0,0,.35),inset 0 0 0 1px rgba(255,255,255,.22)}.program-card img{min-height:238px;filter:saturate(1.04) contrast(1.06)}.program-card::after{inset:43% 0 0;background:linear-gradient(180deg,transparent,rgba(0,0,0,.72) 36%,#000 80%)}.program-icon{bottom:70px;width:65px;height:65px;background:linear-gradient(180deg,#ffd86c,#b88322);box-shadow:0 8px 18px rgba(0,0,0,.62),0 0 20px rgba(216,181,44,.35)}.program-card h2{bottom:14px;font-size:16px;text-shadow:0 4px 12px #000,0 0 1px #000}.benefit-strip{padding:10px 14px}.benefit-strip div{min-height:52px;font-size:12.5px}.cta-panel{margin-top:0;padding:20px clamp(16px,3vw,30px);border-width:4px}.cta-panel h2{font-size:clamp(33px,3.85vw,45px)}.cta-panel p{font-size:19px;margin-bottom:12px}.arrow{font-size:50px}.credit-band{margin-top:14px;grid-template-columns:38% 1fr 34%;padding:14px 18px;border-color:rgba(216,181,44,.65);background:linear-gradient(90deg,#050505,#101509,#050505)}.credit-image img{max-height:205px;box-shadow:inset 0 0 30px rgba(0,0,0,.65)}.credit-copy h2{font-size:31px;line-height:1.05}.credit-copy ul{font-size:16px}.credit-cta{min-height:104px}.contact-footer{padding-top:22px}.footer-brand img{width:125px}.housing img{width:88px}
@media (max-width:1050px){.hero{grid-template-columns:1fr;padding-bottom:0}.hero-media{margin:0}.hero-media img{height:auto;max-height:380px;mask-image:linear-gradient(180deg,#000 0%,#000 84%,transparent 100%)}.programs{grid-template-columns:repeat(3,1fr)}.credit-band{grid-template-columns:1fr 1fr}.credit-cta{grid-column:1/-1}}
@media (max-width:720px){.topbar{min-height:66px}.brand img{width:108px}.hero{padding:20px 15px 0}.hero h1{font-size:42px;letter-spacing:-.5px}.programs{padding:10px;grid-template-columns:1fr 1fr}.program-card,.program-card img{min-height:205px}.credit-band{grid-template-columns:1fr}.credit-image img{max-height:none}.credit-copy{border-left:0;padding-left:0}.credit-cta{min-height:92px}.contact-footer{padding-top:22px}}
@media (max-width:420px){.programs{grid-template-columns:1fr}.hero h1{font-size:38px}.call-top b{font-size:17px}}

/* ===== V4: desktop refinement based on live screenshots ===== */
:root{
  --max:1280px;
}
.topbar{
  min-height:72px;
  padding:8px clamp(18px,3.2vw,36px);
}
.brand img{width:118px}
.call-top .call-icon{width:40px;height:40px;font-size:22px}
.call-top b{font-size:26px}
.hero{
  grid-template-columns:minmax(420px,43%) 1fr;
  min-height:500px;
  padding:24px clamp(20px,3vw,30px) 18px;
  gap:18px;
  background:
    radial-gradient(circle at 74% 35%,rgba(28,115,215,.55),transparent 30%),
    linear-gradient(180deg,#061724 0%,#000 82%);
}
.hero::before{
  background:
    linear-gradient(90deg,rgba(0,0,0,.98) 0%,rgba(0,0,0,.80) 35%,rgba(0,0,0,.18) 60%,rgba(0,0,0,.45) 100%),
    radial-gradient(circle at 76% 54%,transparent 0 25%,rgba(0,0,0,.25) 48%,#000 100%);
}
.eyebrow{font-size:16px;margin-bottom:8px;letter-spacing:1.7px}
.hero h1{
  font-size:clamp(55px,5.9vw,74px);
  line-height:.93;
  letter-spacing:-1.6px;
}
.subhead{margin:14px 0 12px;font-size:17px;padding-bottom:7px}
.loan-list{font-size:15px;gap:7px 22px;margin-bottom:20px;max-width:575px}
.loan-list span{padding-left:27px}
.loan-list span::before{width:20px;height:20px;font-size:14px}
.hero-actions{gap:12px;max-width:440px}
.btn{min-width:0;padding:14px 22px;font-size:22px;border-radius:9px}
.hero-actions .btn{width:100%;max-width:330px;justify-content:flex-start;padding-left:27px}
.hero-actions .btn small{margin-left:3px}
.hero-media{
  align-items:end;
  justify-content:flex-end;
  margin-right:-10px;
}
.hero-media img{
  width:100%;
  height:390px;
  object-fit:cover;
  object-position:58% bottom;
  mask-image:linear-gradient(90deg,transparent 0%,#000 9%,#000 96%,transparent 100%);
}
.app-icon,.card-icon{
  position:relative;
  display:inline-block;
  flex:0 0 auto;
  width:23px;
  height:26px;
  border:3px solid currentColor;
  border-radius:2px;
}
.app-icon::before,.card-icon::before{
  content:"";
  position:absolute;
  left:4px;
  right:4px;
  top:6px;
  height:3px;
  background:currentColor;
  box-shadow:0 6px 0 currentColor;
}
.app-icon::after,.card-icon::after{
  content:"";
  position:absolute;
  right:-6px;
  bottom:1px;
  width:13px;
  height:4px;
  background:currentColor;
  transform:rotate(-42deg);
  border-radius:2px;
}
.programs{
  padding:14px 20px 13px;
  gap:13px;
}
.program-card{min-height:230px}
.program-card img{min-height:230px}
.program-icon{width:62px;height:62px;bottom:69px}
.program-card h2{font-size:15.5px;bottom:13px}
.benefit-strip{padding:9px 12px}
.benefit-strip div{min-height:50px;font-size:12px;gap:9px}
.benefit-strip span{font-size:26px}
.cta-panel{
  margin-top:0;
  padding:18px clamp(16px,3vw,28px);
}
.cta-panel h2{font-size:clamp(34px,3.6vw,43px);letter-spacing:-.5px}
.cta-panel p{font-size:18px;margin-bottom:11px}
.cta-panel .btn-large{min-width:min(100%,405px);font-size:24px;padding:17px 30px}
.credit-band{
  margin-top:14px;
  grid-template-columns:38% 1fr 34%;
  gap:22px;
  padding:14px 20px;
}
.credit-image img{max-height:190px;object-position:center center}
.credit-copy h2{font-size:30px;line-height:1.05;margin-bottom:10px}
.credit-copy ul{font-size:16px;line-height:1.22}
.credit-cta{min-height:98px;padding:16px 18px}
.credit-cta strong{font-size:18px}
.contact-footer{
  padding:22px clamp(18px,3vw,26px) 28px;
  grid-template-columns:1.05fr 1.18fr .55fr 1.42fr;
}
.contact-footer>div{min-height:118px}
.footer-brand img{width:122px}.housing img{width:84px}
.contact-card h2{font-size:23px}
.footer-brand p,.contact-card p,.legal p{font-size:13.5px;line-height:1.35}
@media (max-width:1050px){
  .hero{grid-template-columns:1fr;min-height:auto;padding-bottom:0}
  .hero-actions{max-width:none;display:grid;grid-template-columns:1fr 1fr}
  .hero-actions .btn{max-width:none;width:100%;justify-content:center;padding-left:20px}
  .hero-media{justify-content:center;margin:0}
  .hero-media img{height:auto;max-height:390px;object-fit:contain;mask-image:linear-gradient(180deg,#000 0%,#000 84%,transparent 100%)}
}
@media (max-width:720px){
  .topbar{min-height:66px}.brand img{width:108px}.call-top b{font-size:18px}
  .hero{padding:19px 15px 0}.hero h1{font-size:42px;letter-spacing:-.5px}.loan-list{grid-template-columns:1fr}.hero-actions{grid-template-columns:1fr}.btn{font-size:20px}
  .programs{grid-template-columns:1fr 1fr;padding:10px}.program-card,.program-card img{min-height:205px}
  .benefit-strip div{justify-content:flex-start}
  .cta-panel h2{font-size:30px}.cta-panel p{font-size:16px}.cta-panel .btn-large{font-size:21px}
  .credit-band{grid-template-columns:1fr;padding:16px}.credit-image img{max-height:none}.credit-copy{border-left:0;padding-left:0}.credit-cta{min-height:90px}
  .contact-footer{grid-template-columns:1fr}.contact-footer>div{border-right:0;border-bottom:1px solid rgba(216,181,44,.35);min-height:0}.contact-footer>div:last-child{border-bottom:0}
}
@media (max-width:420px){.programs{grid-template-columns:1fr}.hero h1{font-size:38px}.call-top strong{display:none}}


/* ===== V5.1: hero photo blend + lower CTA hover refinement ===== */
.hero{
  gap:0;
  overflow:hidden;
  background:
    radial-gradient(circle at 72% 34%,rgba(35,120,218,.45),transparent 31%),
    linear-gradient(180deg,#061724 0%,#000 82%);
}

.hero::before{
  z-index:2;
  background:
    linear-gradient(90deg,
      rgba(0,0,0,1) 0%,
      rgba(0,0,0,.98) 26%,
      rgba(0,0,0,.88) 40%,
      rgba(0,0,0,.40) 58%,
      rgba(0,0,0,.22) 75%,
      rgba(0,0,0,.72) 100%
    ),
    radial-gradient(circle at 73% 55%,
      transparent 0 26%,
      rgba(0,0,0,.22) 48%,
      #000 100%
    );
  pointer-events:none;
}

.hero-copy{
  z-index:3;
}

.hero-media{
  z-index:1;
  margin-left:-90px;
  margin-right:-34px;
  align-items:end;
  justify-content:flex-end;
}

.hero-media::before{
  content:"";
  position:absolute;
  inset:0;
  z-index:2;
  background:
    linear-gradient(90deg,
      #000 0%,
      rgba(0,0,0,.94) 7%,
      rgba(0,0,0,.62) 18%,
      rgba(0,0,0,.12) 38%,
      rgba(0,0,0,0) 68%,
      rgba(0,0,0,.50) 100%
    ),
    linear-gradient(180deg,
      rgba(0,0,0,.12) 0%,
      rgba(0,0,0,0) 48%,
      rgba(0,0,0,.70) 100%
    );
  pointer-events:none;
}

.hero-media img{
  height:420px;
  width:100%;
  object-fit:cover;
  object-position:60% center;
  filter:saturate(1.08) contrast(1.08) brightness(.92);
  border-radius:0;
  mask-image:linear-gradient(90deg,transparent 0%,#000 6%,#000 96%,transparent 100%);
  -webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 6%,#000 96%,transparent 100%);
}

/* Match the lower gold CTA hover behavior to the green buttons */
.credit-cta{
  transition:
    transform .2s ease,
    filter .2s ease,
    box-shadow .2s ease,
    background .2s ease;
}

.credit-cta:hover{
  transform:translateY(-2px);
  filter:brightness(1.08);
  background:linear-gradient(180deg,#ffe071,#d79e25 72%,#a87312);
  box-shadow:
    inset 0 0 0 1px rgba(255,255,255,.30),
    0 16px 30px rgba(0,0,0,.58),
    0 0 22px rgba(216,181,44,.36);
}

/* Keyboard accessibility for all CTAs */
.btn:focus-visible,
.credit-cta:focus-visible{
  outline:3px solid var(--gold-2);
  outline-offset:4px;
}

@media (max-width:1050px){
  .hero{
    gap:0;
  }

  .hero::before{
    background:
      linear-gradient(180deg,
        rgba(0,0,0,.98) 0%,
        rgba(0,0,0,.88) 42%,
        rgba(0,0,0,.20) 68%,
        rgba(0,0,0,.82) 100%
      );
  }

  .hero-media{
    margin-left:0;
    margin-right:0;
  }

  .hero-media::before{
    background:
      linear-gradient(180deg,
        rgba(0,0,0,.08) 0%,
        rgba(0,0,0,0) 48%,
        rgba(0,0,0,.84) 100%
      );
  }

  .hero-media img{
    height:auto;
    max-height:410px;
    width:100%;
    object-fit:cover;
    object-position:center center;
    mask-image:linear-gradient(180deg,#000 0%,#000 82%,transparent 100%);
    -webkit-mask-image:linear-gradient(180deg,#000 0%,#000 82%,transparent 100%);
  }
}

@media (max-width:720px){
  .hero-media img{
    max-height:330px;
  }
}


/* ===== V5.2: hero balance + button line fixes ===== */
.hero{
  gap:10px;
}

.hero::before{
  background:
    linear-gradient(90deg,
      rgba(0,0,0,1) 0%,
      rgba(0,0,0,.97) 23%,
      rgba(0,0,0,.82) 38%,
      rgba(0,0,0,.28) 58%,
      rgba(0,0,0,.10) 74%,
      rgba(0,0,0,.54) 100%
    ),
    radial-gradient(circle at 73% 54%,
      transparent 0 28%,
      rgba(0,0,0,.16) 48%,
      #000 100%
    );
}

.hero-media{
  margin-left:-60px;
  margin-right:-22px;
}

.hero-media::before{
  background:
    linear-gradient(90deg,
      rgba(0,0,0,.88) 0%,
      rgba(0,0,0,.66) 9%,
      rgba(0,0,0,.30) 20%,
      rgba(0,0,0,.06) 40%,
      rgba(0,0,0,0) 68%,
      rgba(0,0,0,.38) 100%
    ),
    linear-gradient(180deg,
      rgba(0,0,0,.04) 0%,
      rgba(0,0,0,0) 42%,
      rgba(0,0,0,.48) 100%
    );
}

.hero-media img{
  height:438px;
  object-position:58% 34%;
  filter:saturate(1.1) contrast(1.1) brightness(1);
}

/* Keep hero buttons on one line and more like the original */
.hero-actions{
  max-width:470px;
}

.hero-actions .btn{
  max-width:395px;
  min-height:84px;
  padding:14px 26px;
  gap:14px;
  justify-content:flex-start;
  align-items:center;
  flex-wrap:nowrap;
  white-space:nowrap;
}

.hero-actions .btn small{
  display:inline-block;
  margin-top:0;
  margin-left:2px;
  font-size:14px;
  letter-spacing:.5px;
  white-space:nowrap;
}

.hero-actions .btn span,
.hero-actions .btn .app-icon{
  flex:0 0 auto;
}

@media (max-width:1050px){
  .hero{
    gap:0;
  }

  .hero::before{
    background:
      linear-gradient(180deg,
        rgba(0,0,0,.95) 0%,
        rgba(0,0,0,.78) 42%,
        rgba(0,0,0,.14) 66%,
        rgba(0,0,0,.74) 100%
      );
  }

  .hero-media{
    margin-left:0;
    margin-right:0;
  }

  .hero-media::before{
    background:
      linear-gradient(180deg,
        rgba(0,0,0,.02) 0%,
        rgba(0,0,0,0) 46%,
        rgba(0,0,0,.62) 100%
      );
  }

  .hero-media img{
    max-height:420px;
    object-position:center 38%;
    filter:saturate(1.08) contrast(1.08) brightness(.98);
  }

  .hero-actions{
    max-width:none;
  }

  .hero-actions .btn{
    max-width:none;
    justify-content:center;
  }
}

@media (max-width:720px){
  .hero-media img{
    max-height:340px;
  }

  .hero-actions .btn{
    min-height:74px;
    padding:12px 18px;
    font-size:19px;
  }

  .hero-actions .btn small{
    font-size:13px;
  }
}

@media (max-width:480px){
  .hero-actions .btn{
    white-space:normal;
  }

  .hero-actions .btn small{
    display:block;
    margin-top:3px;
    margin-left:0;
  }
}


/* ===== V5.3: final hero polish - brighter house and better vertical position ===== */
.hero::before{
  background:
    linear-gradient(90deg,
      rgba(0,0,0,1) 0%,
      rgba(0,0,0,.97) 22%,
      rgba(0,0,0,.80) 37%,
      rgba(0,0,0,.24) 56%,
      rgba(0,0,0,.06) 73%,
      rgba(0,0,0,.50) 100%
    ),
    radial-gradient(circle at 73% 53%,
      transparent 0 30%,
      rgba(0,0,0,.12) 49%,
      #000 100%
    );
}

.hero-media::before{
  background:
    linear-gradient(90deg,
      rgba(0,0,0,.82) 0%,
      rgba(0,0,0,.58) 8%,
      rgba(0,0,0,.22) 19%,
      rgba(0,0,0,.04) 39%,
      rgba(0,0,0,0) 70%,
      rgba(0,0,0,.32) 100%
    ),
    linear-gradient(180deg,
      rgba(0,0,0,0) 0%,
      rgba(0,0,0,0) 44%,
      rgba(0,0,0,.40) 100%
    );
}

.hero-media img{
  height:448px;
  object-position:58% 24%;
  filter:saturate(1.12) contrast(1.12) brightness(1.08);
}

@media (max-width:1050px){
  .hero::before{
    background:
      linear-gradient(180deg,
        rgba(0,0,0,.94) 0%,
        rgba(0,0,0,.74) 40%,
        rgba(0,0,0,.10) 65%,
        rgba(0,0,0,.70) 100%
      );
  }

  .hero-media::before{
    background:
      linear-gradient(180deg,
        rgba(0,0,0,0) 0%,
        rgba(0,0,0,0) 45%,
        rgba(0,0,0,.56) 100%
      );
  }

  .hero-media img{
    object-position:center 28%;
    filter:saturate(1.1) contrast(1.1) brightness(1.05);
  }
}

@media (max-width:720px){
  .hero-media img{
    object-position:center 30%;
    filter:saturate(1.08) contrast(1.08) brightness(1.03);
  }
}