.hf-refi-home-section{position:relative;overflow:hidden;background:#f7f5ef;color:#11213c;padding:clamp(56px,7vw,104px) 0;border-top:1px solid rgba(17,33,60,.08)}
.hf-refi-home-section:before{content:"";position:absolute;inset:0 auto 0 0;width:42%;background:linear-gradient(135deg,rgba(218,196,151,.14),transparent 70%);pointer-events:none}
.hf-refi-home-shell{position:relative;max-width:1320px;margin:0 auto;padding:0 32px}
.hf-refi-home-intro{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(360px,.97fr);gap:clamp(36px,6vw,96px);align-items:center}
.hf-refi-home-intro-copy{max-width:660px}
.hf-refi-home-eyebrow{display:flex;align-items:center;gap:14px;margin:0 0 18px;color:#28624e;font-size:11px;line-height:1.4;letter-spacing:.22em;font-weight:700;text-transform:uppercase}
.hf-refi-home-eyebrow span{width:36px;height:2px;background:#d4a75c;flex:0 0 auto}
.hf-refi-home-intro h2,.hf-refi-home-details-heading h2{max-width:760px;margin:0;color:#11213c;font-family:Georgia,"Times New Roman",serif;font-size:clamp(38px,4.45vw,70px);line-height:1.02;font-weight:500;letter-spacing:-.035em}
.hf-refi-home-lead{max-width:620px;margin:26px 0 0;color:#526075;font-size:18px;line-height:1.6}
.hf-refi-home-stats{display:flex;flex-wrap:wrap;gap:28px;margin:30px 0 28px}
.hf-refi-home-stats>div{display:flex;align-items:center;gap:10px;min-width:135px}
.hf-refi-home-stats b{display:grid;place-items:center;width:36px;height:36px;border:1px solid rgba(40,98,78,.24);border-radius:50%;color:#28624e;font-size:11px;letter-spacing:.08em}
.hf-refi-home-stats span{color:#11213c;font-size:12px;font-weight:600;line-height:1.25}
.hf-refi-home-cta{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 24px;border-radius:8px;background:#215f49;color:#fff;text-decoration:none;font-size:15px;font-weight:700;transition:background .2s ease,transform .2s ease,box-shadow .2s ease}
.hf-refi-home-cta:hover{background:#174a38;transform:translateY(-2px);box-shadow:0 12px 24px rgba(33,95,73,.18)}
.hf-refi-home-note{max-width:580px;margin:15px 0 0;color:#7a8493;font-size:12px;line-height:1.55}
.hf-refi-home-visual{position:relative;min-height:355px;padding:clamp(28px,4vw,54px);border-radius:28px;background:linear-gradient(145deg,#142a43 0%,#1e5d49 100%);box-shadow:0 25px 60px rgba(17,33,60,.18);overflow:hidden}
.hf-refi-home-visual:before,.hf-refi-home-visual:after{content:"";position:absolute;border:1px solid rgba(255,255,255,.18);border-radius:50%;pointer-events:none}
.hf-refi-home-visual:before{width:310px;height:310px;right:-110px;top:-112px}.hf-refi-home-visual:after{width:430px;height:430px;left:-240px;bottom:-260px}
.hf-refi-home-visual-top{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:18px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.18)}
.hf-refi-home-visual-top small,.hf-refi-home-visual-top strong{display:block}.hf-refi-home-visual-top small{color:#cbd8d0;font-size:12px;letter-spacing:.09em;text-transform:uppercase}.hf-refi-home-visual-top strong{max-width:330px;margin-top:9px;color:#fff;font-family:Georgia,"Times New Roman",serif;font-size:clamp(24px,2.55vw,42px);line-height:1.05;font-weight:500}
.hf-refi-home-orbit{width:58px;height:58px;border:1px solid rgba(255,255,255,.48);border-radius:50%;box-shadow:0 0 0 9px rgba(255,255,255,.06),0 0 0 18px rgba(255,255,255,.04);flex:0 0 auto}.hf-refi-home-mark{display:grid;place-items:center;width:54px;height:54px;border-radius:50%;background:#e3c27f;color:#11213c;font-family:Georgia,serif;font-size:29px;flex:0 0 auto}
.hf-refi-home-visual-line{position:relative;z-index:1;display:flex;align-items:center;gap:8px;margin-top:30px}.hf-refi-home-visual-line i{display:block;width:8px;height:8px;border-radius:50%;background:#d8b771}.hf-refi-home-visual-line i:nth-child(2){opacity:.65}.hf-refi-home-visual-line i:nth-child(3){opacity:.3}.hf-refi-home-visual-line span{margin-left:10px;color:#d7e1da;font-size:13px;line-height:1.4}
.hf-refi-home-visual-card{position:absolute;z-index:1;right:28px;bottom:27px;left:28px;display:grid;grid-template-columns:36px 1fr;column-gap:12px;align-items:center;padding:16px 18px;border:1px solid rgba(255,255,255,.19);border-radius:13px;background:rgba(255,255,255,.1);backdrop-filter:blur(8px)}.hf-refi-home-visual-card span{grid-row:span 2;display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:#dfe9e2;color:#28624e;font-size:20px}.hf-refi-home-visual-card strong{color:#fff;font-size:13px;line-height:1.25}.hf-refi-home-visual-card small{margin-top:3px;color:#cbd8d0;font-size:11px;line-height:1.3}
.hf-refi-home-trust{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:clamp(38px,5vw,70px) 0 clamp(58px,7vw,100px);padding:19px 0;border-top:1px solid rgba(17,33,60,.14);border-bottom:1px solid rgba(17,33,60,.14)}
.hf-refi-home-trust div{display:flex;align-items:center;gap:12px;padding:0 22px;border-right:1px solid rgba(17,33,60,.13)}.hf-refi-home-trust div:last-child{border-right:0}.hf-refi-home-trust span{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#e6eee8;color:#28624e;font-size:15px}.hf-refi-home-trust strong{color:#11213c;font-size:13px;line-height:1.3}
.hf-refi-home-details{max-width:1160px;margin:0 auto}.hf-refi-home-details-heading{margin-bottom:30px}.hf-refi-home-details-heading h2{max-width:760px;font-size:clamp(32px,3.7vw,56px)}
.hf-refi-home-tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:14px}.hf-refi-home-tab{position:relative;display:flex;align-items:flex-start;gap:11px;min-height:106px;padding:16px 14px;border:1px solid rgba(17,33,60,.14);border-radius:12px;background:rgba(255,255,255,.56);color:#11213c;text-align:left;cursor:pointer;transition:border-color .2s ease,background .2s ease,transform .2s ease,box-shadow .2s ease}.hf-refi-home-tab:hover{transform:translateY(-2px);border-color:rgba(33,95,73,.44);box-shadow:0 10px 22px rgba(17,33,60,.06)}.hf-refi-home-tab.is-active{border-color:#28624e;background:#fff;box-shadow:0 10px 28px rgba(17,33,60,.09)}.hf-refi-home-tab.is-active:after{content:"";position:absolute;left:16px;right:16px;bottom:-1px;height:3px;border-radius:3px 3px 0 0;background:#d4a75c}.hf-refi-home-tab-icon{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#e6eee8;color:#28624e;font-size:10px;letter-spacing:.06em;font-weight:700;flex:0 0 auto}.hf-refi-home-tab-copy{display:block;min-width:0}.hf-refi-home-tab-copy strong,.hf-refi-home-tab-copy small{display:block}.hf-refi-home-tab-copy strong{font-size:13px;line-height:1.25}.hf-refi-home-tab-copy small{margin-top:6px;color:#778296;font-size:11px;line-height:1.35}.hf-refi-home-tab-arrow{margin-left:auto;color:#28624e;font-size:18px;line-height:1;opacity:.7}.hf-refi-home-panel{min-height:290px;padding:30px 34px;border:1px solid rgba(17,33,60,.13);border-radius:14px;background:#fff;box-shadow:0 12px 32px rgba(17,33,60,.06)}.hf-refi-home-panel[hidden]{display:none}.hf-refi-home-panel-label{color:#28624e;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}.hf-refi-home-panel h3{max-width:680px;margin:10px 0 11px;color:#11213c;font-family:Georgia,"Times New Roman",serif;font-size:clamp(27px,3vw,40px);line-height:1.1;font-weight:500}.hf-refi-home-panel>p{max-width:790px;margin:0;color:#526075;font-size:15px;line-height:1.62}.hf-refi-home-panel ul{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:24px 0 25px;padding:0;list-style:none}.hf-refi-home-panel li{display:flex;gap:8px;color:#11213c;font-size:12px;line-height:1.4}.hf-refi-home-panel li span{color:#28624e;font-weight:700}.hf-refi-home-panel-bottom{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:17px;border-top:1px solid rgba(17,33,60,.11)}.hf-refi-home-panel-bottom span{color:#778296;font-size:12px}.hf-refi-home-panel-bottom a{color:#28624e;font-size:13px;font-weight:700;text-decoration:none;white-space:nowrap}.hf-refi-home-panel-bottom a:hover{text-decoration:underline}
@media (max-width:980px){.hf-refi-home-intro{grid-template-columns:1fr}.hf-refi-home-intro-copy{max-width:760px}.hf-refi-home-visual{min-height:300px}.hf-refi-home-tabs{grid-template-columns:repeat(2,1fr)}.hf-refi-home-panel ul{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.hf-refi-home-section{padding:48px 0}.hf-refi-home-shell{padding:0 18px}.hf-refi-home-eyebrow{font-size:9px;letter-spacing:.16em;gap:9px}.hf-refi-home-eyebrow span{width:24px}.hf-refi-home-intro h2,.hf-refi-home-details-heading h2{font-size:clamp(34px,10vw,48px);line-height:1.02}.hf-refi-home-lead{margin-top:18px;font-size:15px;line-height:1.55}.hf-refi-home-stats{gap:12px;margin:22px 0}.hf-refi-home-stats>div{min-width:calc(50% - 7px);gap:8px}.hf-refi-home-stats b{width:31px;height:31px;font-size:9px}.hf-refi-home-stats span{font-size:11px}.hf-refi-home-cta{width:100%;min-height:50px}.hf-refi-home-note{font-size:11px}.hf-refi-home-visual{min-height:285px;padding:25px 20px;border-radius:20px}.hf-refi-home-visual-top{padding-bottom:24px}.hf-refi-home-orbit{width:42px;height:42px;box-shadow:0 0 0 7px rgba(255,255,255,.06),0 0 0 14px rgba(255,255,255,.04)}.hf-refi-home-visual-top strong{font-size:27px}.hf-refi-home-mark{width:44px;height:44px;font-size:24px}.hf-refi-home-visual-line{margin-top:23px}.hf-refi-home-visual-line span{font-size:11px}.hf-refi-home-visual-card{right:18px;bottom:18px;left:18px;padding:13px}.hf-refi-home-trust{grid-template-columns:1fr;gap:0;margin:38px 0 58px;padding:0}.hf-refi-home-trust div{padding:13px 0;border-right:0;border-bottom:1px solid rgba(17,33,60,.13)}.hf-refi-home-trust div:last-child{border-bottom:0}.hf-refi-home-tabs{display:flex;gap:8px;overflow-x:auto;margin:0 -2px 12px;padding:2px 2px 8px;scroll-snap-type:x mandatory}.hf-refi-home-tab{flex:0 0 78%;min-height:94px;scroll-snap-align:start;padding:13px}.hf-refi-home-tab-copy strong{font-size:12px}.hf-refi-home-tab-copy small{font-size:10px}.hf-refi-home-panel{min-height:0;padding:24px 19px;border-radius:12px}.hf-refi-home-panel h3{font-size:29px}.hf-refi-home-panel>p{font-size:14px}.hf-refi-home-panel ul{grid-template-columns:1fr;gap:9px;margin:20px 0}.hf-refi-home-panel-bottom{align-items:flex-start;flex-direction:column;gap:12px}.hf-refi-home-panel-bottom a{font-size:13px}}

@media (min-width:981px){
  .hf-refi-home-section{padding:42px 0}
  .hf-refi-home-intro{grid-template-columns:minmax(0,1.06fr) minmax(400px,.94fr);gap:48px}
  .hf-refi-home-intro-copy{max-width:700px}
  .hf-refi-home-intro h2{max-width:700px;font-size:clamp(42px,3.35vw,58px);line-height:.98}
  .hf-refi-home-lead{margin-top:16px;font-size:16px;line-height:1.45}
  .hf-refi-home-stats{gap:22px;margin:20px 0}
  .hf-refi-home-stats>div{min-width:120px}
  .hf-refi-home-cta{min-height:46px;padding:0 20px;font-size:14px}
  .hf-refi-home-note{margin-top:10px;font-size:11px}
  .hf-refi-home-visual{min-height:270px;padding:34px;border-radius:24px}
  .hf-refi-home-visual-top{padding-bottom:22px}
  .hf-refi-home-visual-top strong{font-size:clamp(25px,2.15vw,36px)}
  .hf-refi-home-visual-line{margin-top:21px}
  .hf-refi-home-visual-card{right:22px;bottom:21px;left:22px;padding:12px 14px}
  .hf-refi-home-trust{margin:30px 0 44px;padding:12px 0}
  .hf-refi-home-trust div{padding:0 16px}
  .hf-refi-home-details-heading{margin-bottom:17px}
  .hf-refi-home-details-heading h2{max-width:none;font-size:clamp(38px,3.1vw,48px);line-height:1}
  .hf-refi-home-tab{min-height:78px;padding:12px}
  .hf-refi-home-tab-icon{width:30px;height:30px}
  .hf-refi-home-tab-copy strong{font-size:12px}
  .hf-refi-home-tab-copy small{margin-top:4px;font-size:10px}
  .hf-refi-home-panel{min-height:0;padding:23px 28px}
  .hf-refi-home-panel h3{margin:8px 0 8px;font-size:clamp(27px,2.1vw,35px);line-height:1.06}
  .hf-refi-home-panel>p{font-size:13px;line-height:1.45}
  .hf-refi-home-panel ul{gap:8px;margin:17px 0 18px}
  .hf-refi-home-panel li{font-size:11px}
  .hf-refi-home-panel-bottom{padding-top:12px}
  .hf-refi-home-panel-bottom span,.hf-refi-home-panel-bottom a{font-size:11px}
}
@media (min-width:981px) and (max-height:900px){
  .hf-refi-home-section{padding:32px 0}
  .hf-refi-home-trust{margin-top:24px;margin-bottom:34px}
  .hf-refi-home-visual{min-height:245px}
  .hf-refi-home-panel{padding-top:18px;padding-bottom:18px}
}

@media (min-width:981px){
  .hf-refi-home-section{padding:28px 0}
  .hf-refi-home-trust{margin-top:18px;margin-bottom:24px;padding:10px 0}
  .hf-refi-home-details-heading{margin-bottom:10px}
  .hf-refi-home-details-heading h2{font-size:clamp(36px,2.9vw,44px)}
  .hf-refi-home-tab{min-height:68px;padding:10px 11px}
  .hf-refi-home-tab-icon{width:27px;height:27px;font-size:9px}
  .hf-refi-home-tab-copy strong{font-size:11px}
  .hf-refi-home-tab-copy small{font-size:9px}
  .hf-refi-home-panel{padding:18px 24px}
  .hf-refi-home-panel h3{margin:6px 0;font-size:clamp(25px,1.95vw,32px)}
  .hf-refi-home-panel>p{font-size:12px;line-height:1.38}
  .hf-refi-home-panel ul{margin:12px 0 13px}
  .hf-refi-home-panel li{font-size:10px}
  .hf-refi-home-panel-bottom{padding-top:9px}
}