/* Hua Yin Finance homepage V2 overrides
   Link this file after styles.css. It only affects the home page. */

.home-page {
  --hyf-navy: #08172f;
  --hyf-blue: #0d3b78;
  --hyf-gold: #d6ad61;
  --hyf-soft: #f5f8fc;
  --hyf-ink: #142033;
}

.home-page .hero-shell-full {
  padding: 0;
  margin: 0;
}

.home-page .hero-home-modern {
  width: 100%;
  min-height: 660px;
  border-radius: 0;
  background-image:
    linear-gradient(180deg, rgba(6, 15, 32, .74) 0%, rgba(6, 15, 32, .58) 54%, rgba(6, 15, 32, .38) 100%),
    url('assets/hero-shard.jpg');
  background-size: cover;
  background-position: center top;
  display: flex;
  align-items: center;
  box-shadow: none;
}

.home-page .hero-home-modern .hero-inner {
  min-height: 660px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.home-page .hero-home-modern .hero-copy {
  max-width: 900px;
  padding: 82px 0 76px;
  margin: 0 auto;
  text-align: center;
  color: #fff;
}

.home-page .hero-home-modern .eyebrow {
  display: inline-block;
  margin: 0 0 18px;
  letter-spacing: .16em;
  text-transform: uppercase;
  font-size: clamp(.78rem, 1.1vw, .92rem);
  font-weight: 800;
  color: var(--hyf-gold);
}

.home-page .hero-home-modern h1 {
  max-width: 860px;
  margin: 0 auto 22px;
  font-size: clamp(2.65rem, 5vw, 4.9rem);
  line-height: 1.02;
  letter-spacing: -.035em;
  color: #fff;
  text-wrap: balance;
}

.home-page .hero-home-modern .hero-lead {
  max-width: 720px;
  margin: 0 auto 26px;
  font-size: clamp(1.08rem, 1.55vw, 1.32rem);
  line-height: 1.65;
  color: rgba(255, 255, 255, .90);
}

.home-page .trust-badges {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin: 0 auto 30px;
  padding: 0;
  list-style: none;
}

.home-page .trust-badges li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 15px;
  border: 1px solid rgba(255, 255, 255, .25);
  border-radius: 999px;
  background: rgba(255, 255, 255, .10);
  backdrop-filter: blur(8px);
  color: #fff;
  font-size: .95rem;
  font-weight: 700;
  box-shadow: 0 12px 28px rgba(0, 0, 0, .16);
}

.home-page .trust-badges li::before {
  content: "✓";
  color: var(--hyf-gold);
  font-weight: 900;
}

.home-page .hero-home-modern .hero-btn,
.home-page .contact-cta .btn {
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 800;
  box-shadow: 0 16px 34px rgba(0, 0, 0, .24);
  transition: transform .2s ease, box-shadow .2s ease;
}

.home-page .hero-home-modern .hero-btn:hover,
.home-page .contact-cta .btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, .30);
}

.home-page .hero-note {
  margin: 14px 0 0;
  font-size: .95rem !important;
  color: rgba(255, 255, 255, .78);
}

.home-page .home-awards-section {
  padding-top: 58px;
  padding-bottom: 44px;
  background: #fff;
}

.home-page .home-awards-section .awards-row {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
  margin: 0 auto 34px;
  text-align: center;
}

.home-page .home-awards-section .award-panel.square-panel {
  width: 165px;
  max-width: 42vw;
  aspect-ratio: 1 / 1;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 20px;
  background: #fff;
  box-shadow: 0 12px 32px rgba(8, 23, 47, .10);
}

.home-page .home-awards-section .award-panel.square-panel img {
  display: block;
  max-width: 88%;
  max-height: 88%;
  object-fit: contain;
  margin: 0 auto;
}

.home-page .boe-row {
  justify-content: center;
  gap: 18px;
}

.home-page .boe-card {
  min-width: 270px;
  text-align: center;
  border-radius: 20px;
  box-shadow: 0 12px 30px rgba(8, 23, 47, .08);
  transition: transform .2s ease, box-shadow .2s ease;
}

.home-page .boe-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 38px rgba(8, 23, 47, .13);
}

.home-page .boe-card strong {
  font-size: clamp(1.8rem, 3vw, 2.45rem);
}

.home-page .service-blocks {
  padding-top: 74px;
  padding-bottom: 80px;
}

.home-page .home-service-grid {
  margin-top: 34px;
}

.home-page .service-link-card {
  overflow: hidden;
  border-radius: 20px;
  box-shadow: 0 16px 36px rgba(8, 23, 47, .10);
  transition: transform .22s ease, box-shadow .22s ease;
}

.home-page .service-link-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 22px 48px rgba(8, 23, 47, .16);
}

.home-page .service-link-card img {
  aspect-ratio: 16 / 10;
  width: 100%;
  object-fit: cover;
}

.home-page .section-kicker {
  margin: 0 0 10px;
  color: var(--hyf-gold);
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: .82rem;
}

.home-page .why-choose-section {
  padding: 84px 0;
  background: #fff;
}

.home-page .why-choose-wrap {
  display: grid;
  grid-template-columns: minmax(260px, .85fr) minmax(320px, 1.15fr);
  gap: 46px;
  align-items: start;
}

.home-page .why-intro .section-title {
  margin-bottom: 18px;
  text-align: left;
}

.home-page .why-intro .lead {
  margin-bottom: 20px;
}

.home-page .text-link {
  color: var(--hyf-blue);
  font-weight: 800;
  text-decoration: none;
}

.home-page .text-link::after {
  content: " →";
}

.home-page .why-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.home-page .why-card {
  padding: 24px;
  border-radius: 20px;
  background: var(--hyf-soft);
  border: 1px solid rgba(8, 23, 47, .06);
  box-shadow: 0 10px 26px rgba(8, 23, 47, .06);
}

.home-page .why-card span {
  display: inline-block;
  margin-bottom: 14px;
  color: var(--hyf-gold);
  font-weight: 900;
}

.home-page .why-card h3 {
  margin: 0 0 10px;
  color: var(--hyf-ink);
}

.home-page .why-card p {
  margin: 0;
  color: #536174;
  line-height: 1.65;
}

.home-page .contact-cta {
  text-align: center;
  padding: 78px 0;
  background: linear-gradient(135deg, #f7f9fc 0%, #edf3f8 100%);
}

.home-page .contact-cta .lead {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.home-page .footer-modern {
  padding-top: 54px;
}

.home-page .footer-modern .footer-grid {
  grid-template-columns: 1.4fr .8fr 1fr 1fr;
}

.home-page .footer-modern a {
  color: inherit;
  text-decoration: none;
}

.home-page .footer-modern a:hover {
  text-decoration: underline;
}

@media (max-width: 980px) {
  .home-page .hero-home-modern,
  .home-page .hero-home-modern .hero-inner {
    min-height: 590px;
  }

  .home-page .why-choose-wrap {
    grid-template-columns: 1fr;
  }

  .home-page .why-intro .section-title {
    text-align: center;
  }

  .home-page .why-intro {
    text-align: center;
  }

  .home-page .footer-modern .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .home-page .hero-home-modern,
  .home-page .hero-home-modern .hero-inner {
    min-height: 560px;
  }

  .home-page .hero-home-modern .hero-copy {
    padding: 56px 0;
  }

  .home-page .hero-home-modern h1 {
    font-size: clamp(2.35rem, 12vw, 3.35rem);
  }

  .home-page .trust-badges {
    gap: 10px;
  }

  .home-page .trust-badges li {
    width: 100%;
    justify-content: center;
    max-width: 310px;
  }

  .home-page .home-awards-section .awards-row {
    gap: 18px;
  }

  .home-page .home-awards-section .award-panel.square-panel {
    width: 138px;
    max-width: 44vw;
  }

  .home-page .boe-card {
    min-width: 100%;
  }

  .home-page .why-grid {
    grid-template-columns: 1fr;
  }

  .home-page .footer-modern .footer-grid {
    grid-template-columns: 1fr;
  }
}


/* Homepage V3 motion and interaction polish
   Low-key movement only; disabled automatically for users who prefer reduced motion. */
.home-page .hero-home-modern {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  background-image: none;
  background-color: var(--hyf-navy);
}

.home-page .hero-home-modern::before {
  content: "";
  position: absolute;
  inset: -18px;
  z-index: -2;
  background-image: url('assets/hero-shard.jpg');
  background-size: cover;
  background-position: center top;
  transform: scale(1.02) translateY(0);
  transform-origin: center top;
  animation: hyfHeroDrift 24s ease-in-out infinite alternate;
  will-change: transform;
}

.home-page .hero-home-modern::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(circle at 50% 42%, rgba(13, 59, 120, .20) 0%, rgba(13, 59, 120, 0) 42%),
    linear-gradient(180deg, rgba(6, 15, 32, .80) 0%, rgba(6, 15, 32, .60) 52%, rgba(6, 15, 32, .42) 100%);
}

.home-page .hero-home-modern .eyebrow,
.home-page .hero-home-modern h1,
.home-page .hero-home-modern .hero-lead,
.home-page .hero-home-modern .trust-badges,
.home-page .hero-home-modern .hero-btn,
.home-page .hero-home-modern .hero-note {
  opacity: 0;
  transform: translateY(18px);
  animation: hyfHeroTextIn .8s cubic-bezier(.2, .8, .2, 1) forwards;
}

/* Make the opening "Welcome to Hua Yin Finance" line fly in from small to full size,
   matching the stronger intro style used on the Chinese homepage. */
.home-page .hero-home-modern .eyebrow {
  transform-origin: center center;
  animation-name: hyfHeroEyebrowFlyIn;
  animation-duration: 1.05s;
  animation-timing-function: cubic-bezier(.16, 1, .3, 1);
  animation-delay: .06s;
}

.home-page .hero-home-modern h1 { animation-delay: .28s; }
.home-page .hero-home-modern .hero-lead { animation-delay: .34s; }
.home-page .hero-home-modern .trust-badges { animation-delay: .48s; }
.home-page .hero-home-modern .hero-btn { animation-delay: .62s; }
.home-page .hero-home-modern .hero-note { animation-delay: .72s; }

@keyframes hyfHeroDrift {
  from { transform: scale(1.02) translateY(0); }
  to { transform: scale(1.075) translateY(-14px); }
}

@keyframes hyfHeroEyebrowFlyIn {
  0% {
    opacity: 0;
    transform: translateY(34px) scale(.42);
    filter: blur(6px);
    letter-spacing: .26em;
  }
  58% {
    opacity: 1;
    transform: translateY(-3px) scale(1.08);
    filter: blur(0);
  }
  100% {
    opacity: 1;
    transform: translateY(0) scale(1);
    filter: blur(0);
    letter-spacing: .16em;
  }
}

@keyframes hyfHeroTextIn {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.home-page .trust-badges li,
.home-page .home-awards-section .award-panel.square-panel,
.home-page .service-link-card img,
.home-page .why-card,
.home-page .text-link {
  transition: transform .24s ease, box-shadow .24s ease, border-color .24s ease, background-color .24s ease, color .24s ease;
}

.home-page .trust-badges li:hover {
  transform: translateY(-2px) scale(1.02);
  border-color: rgba(214, 173, 97, .70);
  background: rgba(255, 255, 255, .16);
}

.home-page .home-awards-section .award-panel.square-panel:hover {
  transform: translateY(-4px) scale(1.025);
  box-shadow: 0 18px 42px rgba(8, 23, 47, .16);
}

.home-page .service-link-card:hover img {
  transform: scale(1.07);
}

.home-page .why-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 40px rgba(8, 23, 47, .10);
}

.home-page .hyf-reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .72s ease, transform .72s ease;
}

.home-page .hyf-reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.home-page .home-awards-section .award-panel.hyf-reveal:nth-child(2),
.home-page .boe-card.hyf-reveal:nth-child(2),
.home-page .service-link-card.hyf-reveal:nth-child(2),
.home-page .why-card.hyf-reveal:nth-child(2) {
  transition-delay: .08s;
}

.home-page .service-link-card.hyf-reveal:nth-child(3),
.home-page .why-card.hyf-reveal:nth-child(3) {
  transition-delay: .16s;
}

.home-page .why-card.hyf-reveal:nth-child(4) {
  transition-delay: .24s;
}

@media (prefers-reduced-motion: reduce) {
  .home-page .hero-home-modern::before,
  .home-page .hero-home-modern .eyebrow,
  .home-page .hero-home-modern h1,
  .home-page .hero-home-modern .hero-lead,
  .home-page .hero-home-modern .trust-badges,
  .home-page .hero-home-modern .hero-btn,
  .home-page .hero-home-modern .hero-note,
  .home-page .hyf-reveal {
    animation: none !important;
    transition: none !important;
    opacity: 1 !important;
    transform: none !important;
  }
}

/* V4: lender access and latest events */
.home-page .lender-access-section {
  padding: 86px 0;
  background:
    radial-gradient(circle at 10% 10%, rgba(214, 173, 97, .12) 0%, rgba(214, 173, 97, 0) 32%),
    linear-gradient(135deg, #08172f 0%, #0d3b78 100%);
  color: #fff;
}

.home-page .lender-access-wrap {
  display: grid;
  grid-template-columns: minmax(320px, .9fr) minmax(420px, 1.1fr);
  gap: 54px;
  align-items: center;
}

.home-page .lender-access-copy .section-title,
.home-page .lender-access-copy .lead {
  color: #fff;
  text-align: left;
}

.home-page .lender-access-copy p:not(.section-kicker):not(.lead) {
  margin: 0;
  color: rgba(255, 255, 255, .82);
  line-height: 1.75;
}

.home-page .lender-access-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.home-page .lender-chip {
  display: flex;
  align-items: center;
  gap: 13px;
  min-height: 76px;
  padding: 18px 20px;
  border-radius: 18px;
  background: rgba(255, 255, 255, .105);
  border: 1px solid rgba(255, 255, 255, .18);
  box-shadow: 0 18px 38px rgba(0, 0, 0, .14);
  backdrop-filter: blur(10px);
  font-weight: 800;
  letter-spacing: -.01em;
  transition: transform .22s ease, background .22s ease, border-color .22s ease, box-shadow .22s ease;
}

.home-page .lender-chip span {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border-radius: 999px;
  background: rgba(214, 173, 97, .18);
}

.home-page .lender-chip:hover {
  transform: translateY(-4px);
  background: rgba(255, 255, 255, .16);
  border-color: rgba(214, 173, 97, .54);
  box-shadow: 0 22px 46px rgba(0, 0, 0, .18);
}

.home-page .events-section {
  padding: 86px 0 92px;
  background: #fff;
}

.home-page .events-heading {
  max-width: 820px;
  margin: 0 auto 42px;
  text-align: center;
}

.home-page .events-grid {
  display: grid;
  grid-template-columns: 1.2fr .9fr .9fr;
  gap: 24px;
  align-items: stretch;
}

.home-page .event-card {
  overflow: hidden;
  border-radius: 24px;
  background: #fff;
  border: 1px solid rgba(8, 23, 47, .07);
  box-shadow: 0 18px 44px rgba(8, 23, 47, .10);
  transition: transform .24s ease, box-shadow .24s ease;
}

.home-page .event-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 26px 60px rgba(8, 23, 47, .16);
}

.home-page .event-media {
  position: relative;
  display: block;
  overflow: hidden;
  aspect-ratio: 4 / 3;
  background: var(--hyf-soft);
}

.home-page .event-card-featured .event-media {
  aspect-ratio: 16 / 10;
}

.home-page .event-media img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  transition: transform .6s ease;
}

.home-page .event-card:hover .event-media img {
  transform: scale(1.06);
}

.home-page .event-tag {
  position: absolute;
  left: 16px;
  top: 16px;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(8, 23, 47, .78);
  color: #fff;
  font-size: .78rem;
  font-weight: 900;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.home-page .event-body {
  padding: 24px;
}

.home-page .event-meta {
  margin: 0 0 9px;
  color: var(--hyf-gold);
  font-weight: 900;
  font-size: .86rem;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.home-page .event-body h3 {
  margin: 0 0 12px;
  color: var(--hyf-ink);
  font-size: clamp(1.25rem, 2vw, 1.65rem);
}

.home-page .event-body p:not(.event-meta) {
  margin: 0 0 16px;
  color: #536174;
  line-height: 1.68;
}

.home-page .event-card-placeholder {
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: linear-gradient(135deg, #f7f9fc 0%, #edf3f8 100%);
  border-style: dashed;
}

.home-page .event-placeholder-icon {
  display: grid;
  width: 64px;
  height: 64px;
  margin: 28px auto 0;
  place-items: center;
  border-radius: 999px;
  background: #fff;
  color: var(--hyf-blue);
  font-size: 2rem;
  font-weight: 700;
  box-shadow: 0 12px 30px rgba(8, 23, 47, .08);
}

@media (max-width: 980px) {
  .home-page .lender-access-wrap,
  .home-page .events-grid {
    grid-template-columns: 1fr;
  }

  .home-page .lender-access-copy,
  .home-page .lender-access-copy .section-title,
  .home-page .lender-access-copy .lead {
    text-align: center;
  }
}

@media (max-width: 640px) {
  .home-page .lender-access-section,
  .home-page .events-section {
    padding: 64px 0;
  }

  .home-page .lender-access-grid {
    grid-template-columns: 1fr;
  }

  .home-page .event-body {
    padding: 20px;
  }
}

/* Events archive page */
.events-page .events-hero {
  padding: 92px 0 76px;
  text-align: center;
  background: linear-gradient(135deg, #f7f9fc 0%, #edf3f8 100%);
}

.events-page .events-hero h1 {
  margin: 0 auto 18px;
  max-width: 900px;
  color: var(--hyf-ink);
  font-size: clamp(2.4rem, 5vw, 4.4rem);
  line-height: 1.04;
  letter-spacing: -.035em;
}

.events-page .events-archive {
  padding: 82px 0;
  background: #fff;
}

.events-page .event-detail {
  display: grid;
  grid-template-columns: minmax(280px, .95fr) minmax(320px, 1.05fr);
  gap: 34px;
  align-items: center;
  padding: 30px;
  margin: 0 0 28px;
  border-radius: 28px;
  background: #fff;
  border: 1px solid rgba(8, 23, 47, .07);
  box-shadow: 0 18px 44px rgba(8, 23, 47, .09);
}

.events-page .event-detail-media {
  overflow: hidden;
  border-radius: 22px;
}

.events-page .event-detail-media img {
  display: block;
  width: 100%;
  height: 100%;
  max-height: 520px;
  object-fit: cover;
}

.events-page .event-detail-gallery {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.events-page .event-detail-gallery img {
  aspect-ratio: 4 / 3;
}

.events-page .event-detail-copy h2 {
  margin: 0 0 14px;
  color: var(--hyf-ink);
  font-size: clamp(1.75rem, 3vw, 2.6rem);
}

.events-page .event-detail-copy p:not(.event-meta) {
  margin: 0;
  color: #536174;
  line-height: 1.75;
}

.events-page .event-detail-coming {
  display: block;
  background: linear-gradient(135deg, #f7f9fc 0%, #edf3f8 100%);
  border-style: dashed;
}

@media (max-width: 900px) {
  .events-page .event-detail {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .events-page .events-hero,
  .events-page .events-archive {
    padding: 62px 0;
  }

  .events-page .event-detail {
    padding: 18px;
    border-radius: 22px;
  }

  .events-page .event-detail-gallery {
    grid-template-columns: 1fr;
  }
}

/* V4.1 Premium Motion & Layout Refinement */
.home-page {
  --hyf-motion: cubic-bezier(0.22, 1, 0.36, 1);
}

/* Slower, softer hero entrance */
.home-page .hero-home-modern::before {
  animation-duration: 30s;
  animation-timing-function: ease-in-out;
}

.home-page .hero-home-modern .eyebrow,
.home-page .hero-home-modern h1,
.home-page .hero-home-modern .hero-lead,
.home-page .hero-home-modern .hero-btn,
.home-page .hero-home-modern .hero-note {
  animation-timing-function: var(--hyf-motion) !important;
}

.home-page .hero-home-modern .eyebrow {
  animation-name: hyfHeroEyebrowPremium !important;
  animation-duration: 1.8s !important;
  animation-delay: .2s !important;
  transform-origin: center center;
}

.home-page .hero-home-modern h1 {
  animation-name: hyfHeroFloatPremium !important;
  animation-duration: 1.35s !important;
  animation-delay: .65s !important;
}

.home-page .hero-home-modern .hero-lead {
  animation-name: hyfHeroFloatPremium !important;
  animation-duration: 1.3s !important;
  animation-delay: 1.05s !important;
}

.home-page .hero-home-modern .trust-badges {
  opacity: 1 !important;
  transform: none !important;
  animation: none !important;
}

.home-page .hero-home-modern .trust-badges li {
  opacity: 0;
  transform: translateY(14px) scale(.97);
  animation: hyfBadgePremium .95s var(--hyf-motion) forwards;
}

.home-page .hero-home-modern .trust-badges li:nth-child(1) { animation-delay: 1.35s; }
.home-page .hero-home-modern .trust-badges li:nth-child(2) { animation-delay: 1.52s; }
.home-page .hero-home-modern .trust-badges li:nth-child(3) { animation-delay: 1.69s; }

.home-page .hero-home-modern .hero-btn {
  animation-name: hyfButtonPremium !important;
  animation-duration: 1.1s !important;
  animation-delay: 1.95s !important;
}

.home-page .hero-home-modern .hero-note {
  animation-name: hyfHeroFloatPremium !important;
  animation-duration: 1s !important;
  animation-delay: 2.18s !important;
}

.home-page .hero-home-modern::after {
  background:
    radial-gradient(circle at 50% 22%, rgba(214, 173, 97, .18) 0%, rgba(214, 173, 97, 0) 30%),
    radial-gradient(circle at 50% 42%, rgba(13, 59, 120, .22) 0%, rgba(13, 59, 120, 0) 44%),
    linear-gradient(180deg, rgba(6, 15, 32, .82) 0%, rgba(6, 15, 32, .60) 52%, rgba(6, 15, 32, .42) 100%);
}

@keyframes hyfHeroEyebrowPremium {
  0% {
    opacity: 0;
    transform: translateY(22px) scale(.92);
    filter: blur(3px);
    letter-spacing: .22em;
  }
  70% {
    opacity: 1;
    transform: translateY(-2px) scale(1.015);
    filter: blur(.2px);
  }
  100% {
    opacity: 1;
    transform: translateY(0) scale(1);
    filter: blur(0);
    letter-spacing: .16em;
  }
}

@keyframes hyfHeroFloatPremium {
  from {
    opacity: 0;
    transform: translateY(18px);
    filter: blur(2px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
    filter: blur(0);
  }
}

@keyframes hyfBadgePremium {
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@keyframes hyfButtonPremium {
  from {
    opacity: 0;
    transform: translateY(12px) scale(.96);
    filter: blur(2px);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
    filter: blur(0);
  }
}

@keyframes hyfButtonBreath {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-1px) scale(1.018); }
}

.home-page .hero-home-modern .hero-btn {
  animation-fill-mode: forwards;
}

.home-page .hero-home-modern .hero-btn:not(:hover) {
  animation-name: hyfButtonPremium, hyfButtonBreath !important;
  animation-duration: 1.1s, 8s !important;
  animation-delay: 1.95s, 4.2s !important;
  animation-timing-function: var(--hyf-motion), ease-in-out !important;
  animation-iteration-count: 1, infinite !important;
}

/* Premium lender access block */
.home-page .lender-access-section {
  padding: 108px 0;
  background:
    radial-gradient(circle at 12% 12%, rgba(214, 173, 97, .18) 0%, rgba(214, 173, 97, 0) 34%),
    radial-gradient(circle at 82% 20%, rgba(255, 255, 255, .10) 0%, rgba(255, 255, 255, 0) 32%),
    linear-gradient(135deg, #07142b 0%, #0b2a59 48%, #0d3b78 100%);
}

.home-page .lender-access-premium {
  grid-template-columns: minmax(320px, .92fr) minmax(460px, 1.08fr);
  gap: 64px;
}

.home-page .lender-brand-card {
  display: grid;
  width: 88px;
  height: 88px;
  place-items: center;
  margin: 0 0 26px;
  border-radius: 26px;
  background: rgba(255, 255, 255, .96);
  box-shadow: 0 24px 54px rgba(0, 0, 0, .20);
}

.home-page .lender-brand-card img {
  display: block;
  width: 64px;
  height: 64px;
  object-fit: contain;
}

.home-page .lender-access-copy .section-title {
  max-width: 640px;
  margin-bottom: 18px;
}

.home-page .lender-access-copy .lead {
  max-width: 560px;
  font-size: clamp(1.08rem, 1.5vw, 1.28rem);
}

.home-page .lender-access-premium-grid {
  gap: 16px;
}

.home-page .lender-chip {
  position: relative;
  min-height: 86px;
  padding: 22px 22px 22px 24px;
  border-radius: 22px;
  background: rgba(255, 255, 255, .10);
  border: 1px solid rgba(255, 255, 255, .18);
  box-shadow: 0 18px 42px rgba(0, 0, 0, .16);
  font-size: 1.02rem;
  line-height: 1.28;
}

.home-page .lender-chip span {
  flex: 0 0 auto;
  width: 10px;
  height: 10px;
  border-radius: 999px;
  background: var(--hyf-gold);
  box-shadow: 0 0 0 7px rgba(214, 173, 97, .14);
}

.home-page .lender-chip-logo,
.home-page .lender-chip img {
  display: none !important;
}

.home-page .lender-chip:hover {
  transform: translateY(-5px);
  background: rgba(255, 255, 255, .16);
  border-color: rgba(214, 173, 97, .64);
}

/* Slightly more premium spacing and interactions */
.home-page .service-blocks,
.home-page .why-choose-section,
.home-page .events-section {
  padding-top: 96px;
  padding-bottom: 104px;
}

.home-page .contact-cta {
  padding: 94px 0;
}

.home-page .home-awards-section .award-panel.square-panel,
.home-page .boe-card,
.home-page .service-link-card,
.home-page .why-card,
.home-page .event-card,
.home-page .lender-chip {
  transition-duration: .34s;
  transition-timing-function: var(--hyf-motion);
}

/* Premium dark footer */
.home-page .footer-modern {
  padding: 64px 0 0;
  background: #07142b;
  color: rgba(255, 255, 255, .82);
}

.home-page .footer-modern .footer-grid {
  padding-bottom: 38px;
  gap: 32px;
}

.home-page .footer-modern h3 {
  color: #fff;
  letter-spacing: -.01em;
}

.home-page .footer-modern p {
  color: rgba(255, 255, 255, .78);
  line-height: 1.7;
}

.home-page .footer-modern a {
  color: rgba(255, 255, 255, .86);
}

.home-page .footer-modern a:hover {
  color: #fff;
  text-decoration-color: var(--hyf-gold);
}

.home-page .footer-modern .compliance {
  padding-top: 28px;
  padding-bottom: 34px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  color: rgba(255, 255, 255, .62);
}

@media (max-width: 980px) {
  .home-page .lender-brand-card {
    margin-left: auto;
    margin-right: auto;
  }

  .home-page .lender-access-premium {
    gap: 38px;
  }
}

@media (max-width: 640px) {
  .home-page .hero-home-modern .eyebrow {
    animation-duration: 1.55s !important;
  }

  .home-page .lender-access-section,
  .home-page .service-blocks,
  .home-page .why-choose-section,
  .home-page .events-section,
  .home-page .contact-cta {
    padding-top: 70px;
    padding-bottom: 74px;
  }

  .home-page .lender-chip {
    min-height: 72px;
    padding: 18px 18px 18px 20px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .home-page .hero-home-modern .trust-badges li,
  .home-page .hero-home-modern .hero-btn:not(:hover) {
    animation: none !important;
    opacity: 1 !important;
    transform: none !important;
    filter: none !important;
  }
}

/* V4.1.1 mobile polish: Mortgage Access brand mark */
@media (max-width: 980px) {
  .home-page .lender-brand-card {
    width: 72px;
    height: 72px;
    border-radius: 22px;
    margin-bottom: 18px;
  }

  .home-page .lender-brand-card img {
    width: 52px;
    height: 52px;
  }
}

@media (max-width: 640px) {
  .home-page .lender-access-copy {
    max-width: 360px;
    margin-left: auto;
    margin-right: auto;
  }

  .home-page .lender-brand-card {
    width: 56px;
    height: 56px;
    border-radius: 18px;
    margin: 0 auto 16px;
    box-shadow: 0 16px 34px rgba(0, 0, 0, .16);
  }

  .home-page .lender-brand-card img {
    width: 40px;
    height: 40px;
  }

  .home-page .lender-access-copy .section-title {
    margin-bottom: 14px;
  }

  .home-page .lender-access-copy .lead,
  .home-page .lender-access-copy p:not(.section-kicker):not(.lead) {
    max-width: 330px;
    margin-left: auto;
    margin-right: auto;
  }

  .home-page .lender-access-premium-grid {
    gap: 12px;
  }

  .home-page .lender-chip {
    min-height: 64px;
    padding: 16px 16px 16px 18px;
    border-radius: 18px;
    font-size: .96rem;
  }

  .home-page .lender-chip span {
    width: 8px;
    height: 8px;
    box-shadow: 0 0 0 5px rgba(214, 173, 97, .14);
  }
}

/* V4.1.2 mobile fix: make Mortgage Access list fully visible */
@media (max-width: 768px) {
  .home-page .lender-access-wrap,
  .home-page .lender-access-premium {
    display: block !important;
    width: 100% !important;
    max-width: 100% !important;
  }

  .home-page .lender-access-copy {
    width: 100% !important;
    max-width: 100% !important;
    margin: 0 auto 28px !important;
    text-align: center;
  }

  .home-page .lender-access-copy .section-title,
  .home-page .lender-access-copy .lead,
  .home-page .lender-access-copy p:not(.section-kicker):not(.lead) {
    max-width: 100% !important;
  }

  .home-page .lender-access-grid,
  .home-page .lender-access-premium-grid {
    display: grid !important;
    grid-template-columns: 1fr !important;
    width: 100% !important;
    max-width: 100% !important;
    min-width: 0 !important;
    margin: 0 !important;
    gap: 12px !important;
  }

  .home-page .lender-chip {
    width: 100% !important;
    max-width: 100% !important;
    min-width: 0 !important;
    box-sizing: border-box !important;
    justify-content: flex-start;
    text-align: left;
    min-height: 58px;
    padding: 15px 16px !important;
    font-size: .94rem;
    line-height: 1.25;
    white-space: normal;
  }

  .home-page .lender-chip span {
    flex: 0 0 auto;
  }
}

@media (max-width: 420px) {
  .home-page .lender-access-section .wrap {
    padding-left: 18px;
    padding-right: 18px;
  }

  .home-page .lender-chip {
    padding: 14px 14px !important;
    font-size: .92rem;
  }
}


/* V6 Simplified Chinese pages */
.cn-page {
  font-family: -apple-system, BlinkMacSystemFont, "PingFang SC", "Microsoft YaHei", "Noto Sans SC", "Helvetica Neue", Arial, sans-serif;
}

.cn-page .hero-home-modern h1 {
  letter-spacing: -0.02em;
  line-height: 1.12;
}

.cn-page .hero-lead,
.cn-page .lead,
.cn-page p {
  letter-spacing: .01em;
}

.cn-page .section-title {
  letter-spacing: -0.015em;
}

.cn-page .lender-chip,
.cn-page .event-body h3,
.cn-page .why-card h3 {
  letter-spacing: .01em;
}

.cn-page .footer-premium .compliance {
  line-height: 1.75;
}

@media (max-width: 640px) {
  .cn-page .hero-home-modern h1 {
    font-size: clamp(2.05rem, 10vw, 3rem);
  }
  .cn-page .hero-lead {
    font-size: 1.02rem;
  }
}

/* V6.1 Traditional Chinese + mobile BOE typography polish */
.tc-page {
  font-family: -apple-system, BlinkMacSystemFont, "PingFang HK", "Noto Sans TC", "Microsoft JhengHei", "Helvetica Neue", Arial, sans-serif;
}

.tc-page .hero-home-modern h1 {
  letter-spacing: -0.02em;
  line-height: 1.12;
}

.tc-page .section-title,
.cn-page .section-title {
  text-wrap: balance;
}

.home-page .boe-card strong {
  display: block;
  max-width: 100%;
  white-space: nowrap;
  line-height: 1.08;
  overflow-wrap: normal;
}

@media (max-width: 640px) {
  .home-page .boe-row {
    gap: 14px;
  }

  .home-page .boe-card {
    padding: 18px 14px;
    min-width: 0 !important;
  }

  .home-page .boe-label {
    font-size: clamp(.78rem, 3.4vw, .9rem);
    line-height: 1.25;
    display: block;
  }

  .home-page .boe-card strong {
    font-size: clamp(1.45rem, 8vw, 2.05rem) !important;
    letter-spacing: -0.04em;
  }

  .cn-page .boe-card strong,
  .tc-page .boe-card strong {
    font-size: clamp(1.22rem, 6.4vw, 1.72rem) !important;
    letter-spacing: -0.05em;
  }
}

@media (max-width: 380px) {
  .home-page .boe-card strong {
    font-size: clamp(1.25rem, 7.2vw, 1.78rem) !important;
  }

  .cn-page .boe-card strong,
  .tc-page .boe-card strong {
    font-size: clamp(1.08rem, 5.8vw, 1.45rem) !important;
  }
}


/* ================================
   V8 Premium Brand Experience
   Video-ready hero, glass navigation, premium cards and magazine layouts.
   ================================ */
:root {
  --hyf-ease-premium: cubic-bezier(.22, 1, .36, 1);
  --hyf-radius-lg: 30px;
  --hyf-radius-md: 22px;
  --hyf-champagne: #d9b66d;
  --hyf-midnight: #061226;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: background .35s var(--hyf-ease-premium), backdrop-filter .35s var(--hyf-ease-premium), box-shadow .35s var(--hyf-ease-premium), transform .35s var(--hyf-ease-premium);
}
.site-header.is-scrolled {
  background: rgba(255, 255, 255, .82);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  box-shadow: 0 18px 46px rgba(8,23,47,.10);
}
.site-header .nav-cta {
  border: 1px solid rgba(13,59,120,.18);
  border-radius: 999px;
  padding-left: 16px !important;
  padding-right: 16px !important;
  background: rgba(13,59,120,.06);
}
.site-header .nav-cta:hover { background: rgba(13,59,120,.11); }

.home-page .v8-hero {
  position: relative;
  min-height: min(820px, calc(100vh - 0px));
  overflow: hidden;
  isolation: isolate;
  background-image: url('assets/hero-shard.jpg');
  background-size: cover;
  background-position: center top;
}
.home-page .v8-hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  z-index: -3;
  opacity: 0;
  animation: v8VideoFade 1.2s .3s var(--hyf-ease-premium) both;
}
.home-page .v8-hero-overlay {
  position: absolute;
  inset: 0;
  z-index: -2;
  background:
    radial-gradient(circle at 50% 18%, rgba(217,182,109,.18), transparent 34%),
    linear-gradient(90deg, rgba(5, 13, 28, .86) 0%, rgba(7, 18, 38, .70) 46%, rgba(7, 18, 38, .38) 100%),
    linear-gradient(180deg, rgba(6, 15, 32, .50) 0%, rgba(6, 15, 32, .22) 45%, rgba(6, 15, 32, .62) 100%);
  pointer-events: none;
}
.home-page .v8-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0 0;
  height: 35%;
  background: linear-gradient(180deg, transparent, rgba(6,18,38,.38));
  z-index: -1;
}
.home-page .v8-hero-inner { min-height: min(820px, 100vh); justify-content: flex-start; }
.home-page .v8-hero-copy {
  max-width: 760px;
  margin: 0;
  text-align: left;
  padding: 110px 0 140px;
}
.home-page .v8-hero-copy .eyebrow {
  padding: 8px 14px;
  border: 1px solid rgba(217,182,109,.34);
  border-radius: 999px;
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(10px);
  color: var(--hyf-champagne);
  box-shadow: 0 18px 46px rgba(0,0,0,.16);
}
.home-page .v8-hero-copy h1 {
  margin-top: 10px;
  max-width: 760px;
  font-size: clamp(3rem, 6.2vw, 6.3rem);
  letter-spacing: -.06em;
  line-height: .96;
  text-wrap: balance;
  text-shadow: 0 18px 56px rgba(0,0,0,.30);
}
.home-page .v8-hero-copy .hero-lead {
  max-width: 650px;
  margin-left: 0;
  margin-right: 0;
  font-size: clamp(1.1rem, 1.55vw, 1.38rem);
  color: rgba(255,255,255,.88);
}
.home-page .hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin: 18px 0 0;
}
.home-page .hero-btn-secondary {
  background: rgba(255,255,255,.10) !important;
  border: 1px solid rgba(255,255,255,.28) !important;
  color: #fff !important;
  box-shadow: 0 16px 34px rgba(0,0,0,.18) !important;
}
.home-page .hero-btn-secondary:hover { background: rgba(255,255,255,.16) !important; }
.home-page .v8-trust-strip {
  position: absolute;
  left: 50%;
  bottom: 28px;
  transform: translateX(-50%);
  width: min(1120px, calc(100% - 40px));
}
.home-page .v8-trust-strip ul {
  margin: 0;
  padding: 14px;
  list-style: none;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 8px;
  border-radius: 26px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
  backdrop-filter: blur(18px);
  box-shadow: 0 26px 70px rgba(0,0,0,.22);
}
.home-page .v8-trust-strip li {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 42px;
  color: #fff;
  font-weight: 800;
  font-size: .92rem;
  text-align: center;
}
.home-page .v8-trust-strip li::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--hyf-champagne);
  box-shadow: 0 0 0 6px rgba(217,182,109,.12);
}
.home-page .v8-scroll-cue {
  position: absolute;
  right: clamp(22px, 4vw, 58px);
  bottom: 42px;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #fff;
  text-decoration: none;
  border: 1px solid rgba(255,255,255,.28);
  background: rgba(255,255,255,.10);
  animation: v8ScrollCue 1.8s ease-in-out infinite;
}

.home-page main .section { padding-top: clamp(84px, 9vw, 132px); padding-bottom: clamp(84px, 9vw, 132px); }
.home-page .section-title { font-size: clamp(2rem, 4vw, 3.35rem); line-height: 1.04; letter-spacing: -.04em; }
.home-page .lead { font-size: clamp(1.05rem, 1.5vw, 1.22rem); line-height: 1.7; }
.home-page .section-kicker { color: var(--hyf-champagne); letter-spacing: .16em; }

.home-page .v8-awards-section { background: linear-gradient(180deg, #fff 0%, #f5f8fc 100%); }
.home-page .v8-awards-wrap {
  display: grid;
  grid-template-columns: minmax(260px, .86fr) minmax(340px, 1.14fr);
  gap: 44px;
  align-items: start;
}
.home-page .v8-awards-copy .section-title { text-align: left; }
.home-page .v8-awards-content {
  padding: 28px;
  border-radius: 32px;
  background: rgba(255,255,255,.78);
  border: 1px solid rgba(8,23,47,.08);
  box-shadow: 0 24px 64px rgba(8,23,47,.08);
}
.home-page .v8-awards-timeline {
  list-style: none;
  margin: 26px 0 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.home-page .v8-awards-timeline li {
  position: relative;
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 12px;
  padding: 16px 18px;
  border-radius: 20px;
  background: #f7f9fc;
  border: 1px solid rgba(8,23,47,.06);
}
.home-page .v8-awards-timeline strong { color: var(--hyf-gold); font-size: .9rem; }
.home-page .v8-awards-timeline span { font-weight: 900; color: var(--hyf-ink); }
.home-page .v8-awards-timeline em { grid-column: 2; color: #667386; font-style: normal; font-size: .92rem; }
.home-page .v8-boe-row { grid-column: 1 / -1; margin-top: 34px; }
.home-page .boe-card { border: 1px solid rgba(8,23,47,.07); }

.home-page .v8-home-hub-section { background: #061226; color: #fff; overflow: hidden; position: relative; }
.home-page .v8-home-hub-section::before {
  content: "";
  position: absolute;
  inset: -30% -20% auto auto;
  width: 560px;
  height: 560px;
  background: radial-gradient(circle, rgba(217,182,109,.18), transparent 64%);
  pointer-events: none;
}
.home-page .v8-home-hub-wrap {
  display: grid;
  grid-template-columns: minmax(260px, .8fr) minmax(420px, 1.2fr);
  gap: 44px;
  align-items: center;
  position: relative;
}
.home-page .v8-home-hub-copy .section-title { text-align: left; color: #fff; }
.home-page .v8-home-hub-copy .lead { color: rgba(255,255,255,.75); }
.home-page .v8-home-tool-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.home-page .v8-tool-card {
  min-height: 270px;
  padding: 28px;
  border-radius: 30px;
  background: linear-gradient(180deg, rgba(255,255,255,.14), rgba(255,255,255,.07));
  border: 1px solid rgba(255,255,255,.16);
  color: #fff;
  text-decoration: none;
  box-shadow: 0 28px 70px rgba(0,0,0,.22);
  transition: transform .42s var(--hyf-ease-premium), border-color .42s ease, background .42s ease;
  position: relative;
  overflow: hidden;
}
.home-page .v8-tool-card::after { content:""; position:absolute; inset:auto -40% -34% -40%; height: 180px; background: radial-gradient(circle, rgba(217,182,109,.20), transparent 62%); opacity:.6; }
.home-page .v8-tool-card:hover { transform: translateY(-8px); border-color: rgba(217,182,109,.45); background: linear-gradient(180deg, rgba(255,255,255,.18), rgba(255,255,255,.09)); }
.home-page .v8-tool-card h3 { margin: 22px 0 12px; font-size: clamp(1.35rem, 2.4vw, 1.85rem); line-height: 1.08; }
.home-page .v8-tool-card p { color: rgba(255,255,255,.74); line-height: 1.65; }
.home-page .v8-tool-card strong { color: var(--hyf-champagne); font-size: 1.4rem; }
.home-page .hub-tool-tag { background: rgba(217,182,109,.16); color: var(--hyf-champagne); }

.home-page .service-link-card,
.home-page .why-card,
.home-page .event-card,
.home-page .lender-chip,
.calculator-page .calculator-panel,
.calculator-page .result-card {
  transition: transform .42s var(--hyf-ease-premium), box-shadow .42s var(--hyf-ease-premium), border-color .42s ease;
}
.home-page .service-link-card:hover,
.home-page .why-card:hover,
.home-page .event-card:hover,
.home-page .lender-chip:hover,
.calculator-page .calculator-panel:hover,
.calculator-page .result-card:hover {
  transform: translateY(-6px);
}
.home-page .service-link-card img,
.home-page .event-media img,
.events-page .event-detail-media img {
  transition: transform .55s var(--hyf-ease-premium), filter .55s ease;
}
.home-page .service-link-card:hover img,
.home-page .event-card:hover .event-media img,
.events-page .event-detail:hover .event-detail-media img { transform: scale(1.035); }

.home-page .events-grid { align-items: stretch; }
.home-page .events-grid .event-card-featured { grid-column: span 2; display: grid; grid-template-columns: 1.15fr .85fr; }
.home-page .events-grid .event-card-featured .event-media { min-height: 100%; }
.home-page .events-grid .event-card-featured img { height: 100%; }
.events-page .v8-events-hero { background: linear-gradient(135deg, #061226 0%, #0d3b78 100%); color: #fff; position: relative; overflow: hidden; }
.events-page .v8-events-hero::after { content:""; position:absolute; inset:auto -15% -45% auto; width:460px; height:460px; background:radial-gradient(circle, rgba(217,182,109,.20), transparent 62%); }
.events-page .v8-events-hero .wrap { position: relative; z-index: 1; }
.events-page .event-detail {
  border-radius: 34px;
  background: #fff;
  border: 1px solid rgba(8,23,47,.07);
  box-shadow: 0 24px 64px rgba(8,23,47,.08);
  overflow: hidden;
}
.events-page .event-detail-media { overflow: hidden; }

.home-page .v8-contact-cta {
  background:
    radial-gradient(circle at 20% 10%, rgba(217,182,109,.15), transparent 35%),
    linear-gradient(135deg, #f7f9fc 0%, #edf3f8 100%);
}
.home-page .btn { position: relative; overflow: hidden; }
.home-page .btn::after {
  content: "";
  position: absolute;
  top: -60%;
  bottom: -60%;
  width: 38px;
  left: -55px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.45), transparent);
  transform: rotate(18deg);
  transition: left .65s var(--hyf-ease-premium);
}
.home-page .btn:hover::after { left: calc(100% + 55px); }

.footer-premium {
  background:
    radial-gradient(circle at 12% 0%, rgba(217,182,109,.10), transparent 28%),
    linear-gradient(180deg, #061226 0%, #08172f 100%) !important;
  color: rgba(255,255,255,.82) !important;
}
.footer-premium h3 { color: #fff !important; }
.footer-premium a { color: rgba(255,255,255,.82) !important; }
.footer-premium .compliance { border-top: 1px solid rgba(255,255,255,.10); padding-top: 24px; color: rgba(255,255,255,.62); }

@keyframes v8VideoFade { to { opacity: .96; } }
@keyframes v8ScrollCue { 0%,100% { transform: translateY(0); } 50% { transform: translateY(8px); } }

@media (max-width: 1100px) {
  .home-page .v8-home-tool-grid { grid-template-columns: 1fr; }
  .home-page .v8-tool-card { min-height: auto; }
}
@media (max-width: 980px) {
  .home-page .v8-hero-inner { min-height: 720px; justify-content: center; }
  .home-page .v8-hero-copy { text-align: center; margin: 0 auto; padding: 90px 0 165px; }
  .home-page .v8-hero-copy .hero-lead { margin-left: auto; margin-right: auto; }
  .home-page .hero-actions { justify-content: center; }
  .home-page .v8-trust-strip ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .home-page .v8-awards-wrap, .home-page .v8-home-hub-wrap { grid-template-columns: 1fr; }
  .home-page .v8-awards-copy, .home-page .v8-home-hub-copy, .home-page .v8-awards-copy .section-title, .home-page .v8-home-hub-copy .section-title { text-align: center; }
  .home-page .events-grid .event-card-featured { grid-column: auto; grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .site-header .nav-cta { border-radius: 12px; }
  .home-page .v8-hero { min-height: 690px; }
  .home-page .v8-hero-video { display: none; }
  .home-page .v8-hero-overlay { background: linear-gradient(180deg, rgba(5,13,28,.82) 0%, rgba(6,18,38,.62) 48%, rgba(6,18,38,.78) 100%); }
  .home-page .v8-hero-copy { padding: 66px 0 180px; }
  .home-page .v8-hero-copy h1 { font-size: clamp(2.55rem, 13vw, 3.75rem); line-height: 1.02; }
  .home-page .hero-actions { flex-direction: column; align-items: stretch; }
  .home-page .hero-actions .btn { width: 100%; text-align: center; }
  .home-page .v8-trust-strip { bottom: 22px; width: calc(100% - 28px); }
  .home-page .v8-trust-strip ul { grid-template-columns: 1fr; padding: 10px; gap: 4px; border-radius: 22px; }
  .home-page .v8-trust-strip li { min-height: 34px; font-size: .84rem; }
  .home-page .v8-scroll-cue { display: none; }
  .home-page .v8-awards-content { padding: 18px; border-radius: 24px; }
  .home-page .v8-awards-timeline li { grid-template-columns: 56px 1fr; padding: 14px; }
  .home-page .v8-home-tool-grid { gap: 12px; }
  .home-page .v8-tool-card { padding: 22px; border-radius: 24px; }
  .home-page main .section { padding-top: 76px; padding-bottom: 76px; }
}
@media (prefers-reduced-motion: reduce) {
  .home-page .v8-hero-video,
  .home-page .v8-scroll-cue,
  .home-page .btn::after { animation: none !important; transition: none !important; }
}


/* ================================
   V8.1 Hero image refinement
   Keep V8 premium design but use a polished image-first hero until a licensed video is available.
   ================================ */
.home-page .v8-hero {
  min-height: clamp(640px, 76vh, 760px) !important;
  background-image: url('assets/hero-shard.jpg') !important;
  background-size: cover !important;
  background-position: center top !important;
}
.home-page .v8-hero::before {
  content: "";
  position: absolute;
  inset: -2%;
  z-index: -4;
  background-image: url('assets/hero-shard.jpg');
  background-size: cover;
  background-position: center top;
  transform-origin: center top;
  animation: v81HeroImageDrift 26s ease-in-out infinite alternate;
}
.home-page .v8-hero-video { display: none !important; }
.home-page .v8-hero-overlay {
  background:
    radial-gradient(circle at 54% 16%, rgba(217,182,109,.13), transparent 30%),
    linear-gradient(90deg, rgba(5, 13, 28, .78) 0%, rgba(7, 18, 38, .62) 46%, rgba(7, 18, 38, .34) 100%),
    linear-gradient(180deg, rgba(6, 15, 32, .38) 0%, rgba(6, 15, 32, .18) 48%, rgba(6, 15, 32, .58) 100%) !important;
}
.home-page .v8-hero-inner { min-height: clamp(640px, 76vh, 760px) !important; }
.home-page .v8-hero-copy {
  padding: 96px 0 132px !important;
  max-width: 780px !important;
}
.home-page .v8-hero-copy h1 {
  font-size: clamp(2.85rem, 5.4vw, 5.45rem) !important;
}
.home-page .v8-trust-strip {
  bottom: 26px !important;
}
@keyframes v81HeroImageDrift {
  from { transform: scale(1.01) translate3d(0, 0, 0); }
  to { transform: scale(1.055) translate3d(0, -12px, 0); }
}
@media (max-width: 980px) {
  .home-page .v8-hero,
  .home-page .v8-hero-inner { min-height: 680px !important; }
  .home-page .v8-hero-copy { padding: 82px 0 158px !important; }
}
@media (max-width: 640px) {
  .home-page .v8-hero,
  .home-page .v8-hero-inner { min-height: 650px !important; }
  .home-page .v8-hero::before { background-position: center top; }
  .home-page .v8-hero-overlay {
    background:
      radial-gradient(circle at 50% 10%, rgba(217,182,109,.10), transparent 32%),
      linear-gradient(180deg, rgba(5,13,28,.82) 0%, rgba(6,18,38,.62) 48%, rgba(6,18,38,.80) 100%) !important;
  }
  .home-page .v8-hero-copy { padding: 62px 0 176px !important; }
  .home-page .v8-hero-copy h1 { font-size: clamp(2.35rem, 12vw, 3.45rem) !important; }
}
@media (prefers-reduced-motion: reduce) {
  .home-page .v8-hero::before { animation: none !important; transform: none !important; }
}


/* V9.0 complete multilingual pages */
.inner-page .premium-inner-hero {
  padding: 150px 0 86px;
  background:
    radial-gradient(circle at 20% 10%, rgba(214,173,97,.18), transparent 32%),
    linear-gradient(135deg, #07152c 0%, #0d2b57 58%, #123f78 100%);
  color: #fff;
  overflow: hidden;
}
.inner-page .inner-hero-wrap { max-width: 940px; text-align: center; }
.inner-page .premium-inner-hero .section-kicker { color: var(--hyf-gold); }
.inner-page .premium-inner-hero h1 {
  margin: 0 auto 20px;
  max-width: 900px;
  color: #fff;
  font-size: clamp(2.55rem, 5vw, 4.5rem);
  line-height: 1.03;
  letter-spacing: -.035em;
  text-wrap: balance;
}
.inner-page .premium-inner-hero .lead {
  max-width: 760px;
  margin: 0 auto;
  color: rgba(255,255,255,.86);
}
.inner-split { display:grid; grid-template-columns: minmax(260px,.85fr) minmax(300px,1.15fr); gap: 56px; align-items:start; }
.left-align { text-align:left !important; }
.inner-copy p { color:#526174; font-size:1.05rem; line-height:1.75; }
.premium-card-grid { display:grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap:20px; }
.service-solution-grid { grid-template-columns: repeat(3,minmax(0,1fr)); }
.premium-info-card {
  display:block;
  min-height: 100%;
  padding: 28px;
  border-radius: 24px;
  background: #fff;
  border: 1px solid rgba(8,23,47,.08);
  box-shadow: 0 18px 45px rgba(8,23,47,.08);
  color: inherit;
  text-decoration: none;
  transition: transform .28s cubic-bezier(.22,1,.36,1), box-shadow .28s, border-color .28s;
}
.premium-info-card:hover { transform: translateY(-5px); box-shadow: 0 24px 58px rgba(8,23,47,.13); border-color: rgba(214,173,97,.45); }
.premium-info-card h3 { margin: 14px 0 10px; color: var(--hyf-ink); font-size: 1.18rem; }
.premium-info-card p { margin:0; color:#536174; line-height:1.65; }
.premium-info-card strong { display:inline-block; margin-top:18px; color: var(--hyf-blue); }
.premium-dot { display:inline-block; width:12px; height:12px; border-radius:50%; background: var(--hyf-gold); box-shadow:0 0 0 8px rgba(214,173,97,.14); }
.recognition-section { background:#fff; }
.recognition-timeline { display:grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap:18px; margin-top:32px; }
.recognition-timeline article { padding:24px; border-radius:22px; background:linear-gradient(180deg,#fff,#f7f9fc); border:1px solid rgba(8,23,47,.08); box-shadow:0 14px 34px rgba(8,23,47,.07); }
.recognition-timeline strong { display:block; color:var(--hyf-gold); font-size:1.35rem; margin-bottom:12px; }
.recognition-timeline span { display:block; color:var(--hyf-ink); font-weight:800; margin-bottom:10px; }
.recognition-timeline b { color:#536174; font-size:.96rem; }
.team-placeholder { padding:38px; border-radius:28px; background:linear-gradient(135deg,#f7f9fc,#eef4fb); border:1px dashed rgba(8,23,47,.18); }
.journey-section { background:#fff; text-align:center; }
.journey-steps { display:grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap:18px; margin:30px 0 20px; }
.journey-steps article { padding:24px 18px; border-radius:22px; background:#f5f8fc; border:1px solid rgba(8,23,47,.06); }
.journey-steps strong { color:var(--hyf-gold); }
.journey-steps h3 { margin:10px 0 0; font-size:1.05rem; }
.journey-note { max-width:760px; margin: 0 auto 24px; color:#536174; }
.contact-grid-premium { display:grid; grid-template-columns: 1fr 1fr; gap:24px; }
.contact-panel { padding:34px; border-radius:26px; background:#fff; box-shadow:0 18px 45px rgba(8,23,47,.08); border:1px solid rgba(8,23,47,.08); }
.contact-panel h2 { margin-top:0; color:var(--hyf-ink); }
.contact-panel p { color:#536174; line-height:1.7; }
@media (max-width: 980px) {
  .inner-split, .contact-grid-premium { grid-template-columns: 1fr; }
  .premium-card-grid, .service-solution-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .recognition-timeline { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .journey-steps { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .left-align { text-align:center !important; }
}
@media (max-width: 640px) {
  .inner-page .premium-inner-hero { padding: 118px 0 62px; }
  .premium-card-grid, .service-solution-grid, .recognition-timeline, .journey-steps { grid-template-columns: 1fr; }
  .premium-info-card, .contact-panel { padding: 24px; border-radius: 20px; }
}

/* V9.0.2 desktop refinement: restore stable desktop layout and tidy Mortgage Hub cards */
@media (min-width: 981px) {
  .home-page .v8-home-hub-wrap {
    grid-template-columns: 1fr !important;
    gap: 34px !important;
    align-items: stretch !important;
  }
  .home-page .v8-home-hub-copy {
    max-width: 820px;
    margin: 0 auto;
    text-align: center;
  }
  .home-page .v8-home-hub-copy .section-title,
  .home-page .v8-home-hub-copy .lead {
    text-align: center !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }
  .home-page .v8-home-tool-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr)) !important;
    gap: 22px !important;
  }
  .home-page .v8-tool-card {
    min-height: 250px !important;
    padding: 30px !important;
  }
  .home-page .v8-tool-card h3 {
    font-size: clamp(1.45rem, 1.6vw, 1.8rem) !important;
  }
}
@media (min-width: 981px) and (max-width: 1180px) {
  .home-page .v8-home-tool-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr)) !important;
  }
  .home-page .v8-tool-card {
    padding: 24px !important;
  }
}
@media (max-width: 980px) {
  .home-page .v8-home-tool-grid { grid-template-columns: 1fr !important; }
}
@media (min-width: 981px) {
  .home-page .v8-awards-wrap {
    grid-template-columns: minmax(300px,.82fr) minmax(520px,1.18fr) !important;
    align-items: center !important;
  }
}

/* V9.0.4 desktop polish: improve homepage awards, Mortgage Hub teaser and trust strip */
@media (min-width: 981px) {
  /* Trust strip: tighter, aligned, no conflict with scroll cue */
  .home-page .v8-trust-strip {
    width: min(1180px, calc(100% - 72px)) !important;
    bottom: 30px !important;
  }
  .home-page .v8-trust-strip ul {
    grid-template-columns: repeat(4, minmax(0, 1fr)) !important;
    gap: 10px !important;
    padding: 12px !important;
    align-items: stretch !important;
  }
  .home-page .v8-trust-strip li {
    min-height: 46px !important;
    padding: 0 10px !important;
    line-height: 1.22 !important;
    font-size: clamp(.78rem, .78vw, .92rem) !important;
    letter-spacing: .005em !important;
  }
  .home-page.cn-page .v8-trust-strip li,
  .home-page.tc-page .v8-trust-strip li {
    font-size: clamp(.76rem, .72vw, .86rem) !important;
    font-weight: 800 !important;
  }
  .home-page .v8-trust-strip li::before {
    flex: 0 0 8px !important;
  }
  .home-page .v8-scroll-cue { display: none !important; }

  /* Awards section: make desktop look intentional, like the mobile design but wider */
  .home-page .v8-awards-wrap {
    grid-template-columns: 1fr !important;
    gap: 30px !important;
    align-items: center !important;
  }
  .home-page .v8-awards-copy {
    max-width: 880px !important;
    margin: 0 auto !important;
    text-align: center !important;
  }
  .home-page .v8-awards-copy .section-title,
  .home-page .v8-awards-copy .lead {
    text-align: center !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }
  .home-page .v8-awards-content {
    max-width: 1060px !important;
    width: 100% !important;
    margin: 0 auto !important;
    padding: 34px !important;
  }
  .home-page .v8-awards-content .awards-row {
    margin-bottom: 30px !important;
  }
  .home-page .v8-awards-timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    gap: 16px !important;
  }
  .home-page .v8-awards-timeline li {
    min-height: 116px !important;
    grid-template-columns: 78px 1fr !important;
    align-items: center !important;
    padding: 20px 22px !important;
  }
  .home-page .v8-awards-timeline strong {
    font-size: 1.05rem !important;
  }
  .home-page .v8-awards-timeline span {
    font-size: 1.03rem !important;
    line-height: 1.25 !important;
  }
  .home-page .v8-awards-timeline em {
    font-size: .95rem !important;
    line-height: 1.45 !important;
  }
  .home-page .v8-boe-row {
    max-width: 760px !important;
    margin: 34px auto 0 !important;
  }

  /* Home Mortgage Hub teaser: use an editorial split layout instead of cramped equal cards */
  .home-page .v8-home-hub-section {
    padding-top: 118px !important;
    padding-bottom: 118px !important;
  }
  .home-page .v8-home-hub-wrap {
    grid-template-columns: minmax(320px, .78fr) minmax(560px, 1.22fr) !important;
    gap: clamp(42px, 5vw, 70px) !important;
    align-items: center !important;
  }
  .home-page .v8-home-hub-copy {
    max-width: 470px !important;
    margin: 0 !important;
    text-align: left !important;
  }
  .home-page .v8-home-hub-copy .section-title,
  .home-page .v8-home-hub-copy .lead {
    text-align: left !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
  }
  .home-page .v8-home-tool-grid {
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 16px !important;
    max-width: 700px !important;
    margin-left: auto !important;
  }
  .home-page .v8-tool-card {
    min-height: 0 !important;
    padding: 24px 78px 24px 108px !important;
    border-radius: 26px !important;
    box-shadow: 0 22px 54px rgba(0,0,0,.18) !important;
  }
  .home-page .v8-tool-card::before {
    content: "";
    position: absolute;
    left: 28px;
    top: 50%;
    width: 52px;
    height: 52px;
    transform: translateY(-50%);
    border-radius: 18px;
    background: linear-gradient(145deg, rgba(217,182,109,.28), rgba(255,255,255,.10));
    border: 1px solid rgba(255,255,255,.14);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.22);
  }
  .home-page .v8-tool-card::after {
    inset: -40% -20% auto auto !important;
    width: 220px !important;
    height: 220px !important;
    opacity: .42 !important;
  }
  .home-page .v8-tool-card .hub-tool-tag {
    margin-bottom: 10px !important;
  }
  .home-page .v8-tool-card h3 {
    margin: 6px 0 6px !important;
    font-size: clamp(1.35rem, 1.55vw, 1.75rem) !important;
    line-height: 1.15 !important;
  }
  .home-page .v8-tool-card p {
    max-width: 480px !important;
    margin: 0 !important;
    line-height: 1.55 !important;
  }
  .home-page .v8-tool-card strong {
    position: absolute !important;
    right: 30px !important;
    top: 50% !important;
    transform: translateY(-50%) !important;
    font-size: 1.6rem !important;
  }
}

@media (min-width: 981px) and (max-width: 1120px) {
  .home-page .v8-home-hub-wrap {
    grid-template-columns: 1fr !important;
  }
  .home-page .v8-home-hub-copy {
    max-width: 780px !important;
    margin: 0 auto !important;
    text-align: center !important;
  }
  .home-page .v8-home-hub-copy .section-title,
  .home-page .v8-home-hub-copy .lead {
    text-align: center !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }
  .home-page .v8-home-tool-grid {
    margin-right: auto !important;
  }
}


/* ================================
   V9.0.6 Cross-browser compatibility & desktop polish
   Stabilises desktop rendering in Microsoft Edge without changing the Chrome design intent.
   ================================ */
html.is-windows body {
  -webkit-font-smoothing: antialiased;
  text-rendering: geometricPrecision;
}

/* Edge can render backdrop-filter heavier than Chrome, especially on Windows display scaling. */
html.is-edge .site-header.is-scrolled {
  background: rgba(255,255,255,.96) !important;
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
  box-shadow: 0 12px 34px rgba(8,23,47,.10) !important;
}
html.is-edge .home-page .v8-trust-strip ul,
html.is-edge .home-page .v8-hero-copy .eyebrow,
html.is-edge .home-page .lender-chip,
html.is-edge .home-page .trust-badges li {
  backdrop-filter: none !important;
  -webkit-backdrop-filter: none !important;
}
html.is-edge .home-page .v8-trust-strip ul {
  background: rgba(8,23,47,.62) !important;
}
html.is-edge .home-page .v8-hero-copy .eyebrow {
  background: rgba(8,23,47,.42) !important;
}

/* Make Grid/Flex tracks predictable in Edge and prevent small overflow caused by long labels. */
.grid-3 > *,
.events-grid > *,
.hub-tool-grid > *,
.why-grid > *,
.premium-card-grid > *,
.service-solution-grid > *,
.recognition-timeline > *,
.journey-steps > *,
.calculator-grid > *,
.result-stats > *,
.home-page .v8-home-tool-grid > *,
.home-page .v8-awards-timeline > *,
.home-page .lender-access-grid > * {
  min-width: 0;
}

.home-page .v8-tool-card,
.hub-tool-card,
.premium-info-card,
.service-link-card,
.event-card,
.why-card,
.calculator-panel,
.results-card,
.table-card {
  backface-visibility: hidden;
  transform-style: flat;
}

/* Desktop layout guardrails. Keeps card sets tidy in Chrome and Edge. */
@media (min-width: 981px) {
  .grid-3,
  .events-grid,
  .hub-tool-grid,
  .premium-card-grid,
  .service-solution-grid,
  .recognition-timeline,
  .journey-steps {
    align-items: stretch;
  }

  .grid-3 > *,
  .events-grid > *,
  .hub-tool-grid > *,
  .premium-card-grid > *,
  .service-solution-grid > *,
  .recognition-timeline > *,
  .journey-steps > * {
    height: 100%;
  }

  .home-page .v8-home-tool-grid {
    width: 100%;
  }

  .home-page .v8-tool-card {
    display: block;
    width: 100%;
  }

  .home-page .v8-awards-content,
  .home-page .v8-home-hub-wrap,
  .hub-page .hub-tool-grid,
  .calculator-layout {
    min-width: 0;
  }

  .home-page .v8-awards-timeline li,
  .recognition-timeline article,
  .journey-steps article,
  .premium-info-card,
  .hub-tool-card {
    overflow-wrap: anywhere;
  }

  .event-media img,
  .service-link-card img,
  .event-detail-gallery img,
  .event-detail-media img {
    transform: translateZ(0);
  }
}

/* Edge-specific: reduce layered transforms and heavy shadows for smoother paint. */
@media (min-width: 981px) {
  html.is-edge .home-page .v8-hero::before {
    animation-duration: 34s !important;
    transform: scale(1.025) translateY(0) !important;
  }
  html.is-edge .home-page .v8-tool-card:hover,
  html.is-edge .home-page .service-link-card:hover,
  html.is-edge .home-page .event-card:hover,
  html.is-edge .home-page .why-card:hover,
  html.is-edge .hub-page .hub-tool-card:hover,
  html.is-edge .premium-info-card:hover {
    transform: translateY(-4px) !important;
  }
  html.is-edge .home-page .v8-tool-card,
  html.is-edge .hub-page .hub-tool-card,
  html.is-edge .premium-info-card,
  html.is-edge .event-card,
  html.is-edge .service-link-card,
  html.is-edge .why-card {
    box-shadow: 0 14px 34px rgba(8,23,47,.09) !important;
  }
}

/* Calculator and Mortgage Hub desktop consistency. */
@media (min-width: 981px) {
  .calculator-layout {
    grid-template-columns: minmax(360px, .92fr) minmax(460px, 1.08fr) !important;
  }
  .result-stats {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }
  .hub-page .hub-tool-grid {
    grid-template-columns: repeat(3, minmax(260px, 1fr)) !important;
  }
  .hub-page .hub-tool-card {
    min-height: 340px !important;
  }
}
@media (min-width: 981px) and (max-width: 1180px) {
  .hub-page .hub-tool-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr)) !important;
    gap: 18px !important;
  }
  .hub-page .hub-tool-card {
    padding: 24px !important;
  }
}

/* Typography: neutralise minor Windows/Edge rendering differences. */
html.is-edge body {
  letter-spacing: 0;
}
html.is-edge .section-title,
html.is-edge .home-page .v8-hero-copy h1,
html.is-edge .inner-hero h1,
html.is-edge .calculator-hero h1,
html.is-edge .hub-hero h1,
html.is-edge .events-hero h1 {
  letter-spacing: -.032em !important;
}
html.is-edge .lead,
html.is-edge p,
html.is-edge li {
  line-height: 1.68;
}

/* Mobile is already tuned; keep changes minimal below tablet width. */
@media (max-width: 980px) {
  .home-page .v8-home-tool-grid,
  .hub-tool-grid,
  .calculator-layout,
  .events-grid,
  .grid-3 {
    width: 100%;
  }
}

/* ================================
   V9.0.7 Edge calculator / Mortgage Hub layout patch
   Purpose: Edge on Windows can render nested grid cards and glass/transformed cards tighter than Chrome.
   This patch gives Edge a more stable desktop Mortgage Hub / calculator layout while preserving
   the existing mobile view and the Chrome visual direction.
   ================================ */
@media (min-width: 981px) {
  html.is-edge .home-page .v8-home-hub-wrap {
    grid-template-columns: 1fr !important;
    gap: 32px !important;
    align-items: stretch !important;
  }

  html.is-edge .home-page .v8-home-hub-copy {
    max-width: 880px !important;
    margin: 0 auto !important;
    text-align: center !important;
  }

  html.is-edge .home-page .v8-home-hub-copy .section-title,
  html.is-edge .home-page .v8-home-hub-copy .lead {
    text-align: center !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }

  html.is-edge .home-page .v8-home-tool-grid {
    width: 100% !important;
    max-width: 1180px !important;
    margin: 0 auto !important;
    display: grid !important;
    grid-template-columns: repeat(3, minmax(0, 1fr)) !important;
    gap: 22px !important;
    align-items: stretch !important;
  }

  html.is-edge .home-page .v8-tool-card {
    min-height: 250px !important;
    padding: 28px 26px !important;
    display: flex !important;
    flex-direction: column !important;
    justify-content: space-between !important;
    transform: none;
  }

  html.is-edge .home-page .v8-tool-card h3 {
    font-size: 1.45rem !important;
    line-height: 1.12 !important;
    margin-top: 18px !important;
  }

  html.is-edge .home-page .v8-tool-card p {
    font-size: .96rem !important;
    line-height: 1.58 !important;
  }

  html.is-edge .home-page .v8-tool-card:hover {
    transform: translateY(-4px) !important;
  }
}

@media (min-width: 981px) and (max-width: 1180px) {
  html.is-edge .home-page .v8-home-tool-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr)) !important;
    gap: 16px !important;
  }
  html.is-edge .home-page .v8-tool-card {
    padding: 24px 22px !important;
  }
}

@media (max-width: 980px) {
  html.is-edge .home-page .v8-home-tool-grid {
    grid-template-columns: 1fr !important;
  }
}

/* ================================
   V9.1.3 Stable two-tier header recovery
   Built from V9.0.9 so Calculator / Edge fixes and premium visual effects are preserved.
   Top bar returns to light/white; main navigation carries Hua Yin red.
   ================================ */
:root{
  --hyf-brand-red:#9f1f31;
  --hyf-brand-red-dark:#86192a;
  --hyf-header-gold:#d9b66d;
}
.site-header{
  background:transparent !important;
  box-shadow:0 1px 0 rgba(8,23,47,.08) !important;
  backdrop-filter:none !important;
  -webkit-backdrop-filter:none !important;
}
.site-header.is-scrolled{
  background:transparent !important;
  backdrop-filter:none !important;
  -webkit-backdrop-filter:none !important;
  box-shadow:0 12px 34px rgba(8,23,47,.10) !important;
}
.topbar{
  background:#fbfbfb !important;
  border-bottom:1px solid rgba(8,23,47,.08) !important;
}
.topbar-inner{
  min-height:64px !important;
}
.brand{color:var(--hyf-navy) !important;}
.brand img{box-shadow:0 6px 16px rgba(8,23,47,.10);}
.contact-mini{color:#526174 !important;}
.contact-mini strong{color:var(--hyf-navy) !important;}
.mainnav{
  background:var(--hyf-brand-red) !important;
  border-top:0 !important;
  border-bottom:2px solid var(--hyf-header-gold) !important;
  box-shadow:0 10px 24px rgba(65,10,18,.14) !important;
}
.nav-inner{
  min-height:56px !important;
  gap:4px !important;
}
.mainnav .nav-link{
  color:#fff !important;
  background:transparent !important;
  border-radius:999px !important;
  font-weight:820 !important;
  text-shadow:none !important;
}
.mainnav .nav-link:hover,
.mainnav .nav-link.active{
  color:#fff !important;
  background:rgba(255,255,255,.14) !important;
}
.mainnav .nav-link.active{
  box-shadow:inset 0 -2px 0 var(--hyf-header-gold);
}
.mainnav .nav-cta{
  color:var(--hyf-brand-red) !important;
  background:#fff !important;
  border:1px solid rgba(255,255,255,.70) !important;
  box-shadow:0 8px 20px rgba(0,0,0,.10) !important;
}
.mainnav .nav-cta:hover{
  color:var(--hyf-brand-red-dark) !important;
  background:#fff7ef !important;
}
.mainnav .dropdown-menu{
  background:#fff !important;
  border:1px solid rgba(8,23,47,.10) !important;
  box-shadow:0 22px 52px rgba(8,23,47,.16) !important;
}
.mainnav .dropdown-menu a{
  color:#24344c !important;
  text-shadow:none !important;
}
.mainnav .dropdown-menu a:hover{
  color:var(--hyf-brand-red) !important;
  background:#fff5f6 !important;
}
.menu-toggle{
  background:var(--hyf-brand-red) !important;
  color:#fff !important;
}
@media (max-width:900px){
  .topbar-inner{min-height:62px !important;}
  .mainnav .nav-inner.open{
    background:var(--hyf-brand-red) !important;
    padding:12px 0 14px !important;
  }
  .mainnav .nav-link{
    justify-content:center !important;
    border-radius:14px !important;
    margin:1px 0 !important;
  }
  .mainnav .dropdown-menu{
    background:#fff !important;
    margin:6px 0 10px !important;
    border-radius:14px !important;
  }
}
@media (max-width:640px){
  .topbar-inner{min-height:58px !important;}
  .brand img{width:36px !important;height:36px !important;}
}

/* Edge header rendering should stay deterministic: no glass layer over the red nav. */
html.is-edge .site-header,
html.is-edge .site-header.is-scrolled{
  background:transparent !important;
  backdrop-filter:none !important;
  -webkit-backdrop-filter:none !important;
}
html.is-edge .mainnav{
  background:#9f1f31 !important;
}

/* ================================
   V9.1.4 Header & Navigation Final Patch
   Fixes Edge Mortgage Hub teaser layout and mobile submenu display.
   Keeps the two-tier header: white topbar + Hua Yin red main nav.
   ================================ */

/* --- Desktop / Edge: robust home Mortgage Hub teaser --- */
.home-page .v8-home-hub-section {
  overflow: hidden !important;
}
.home-page .v8-home-hub-wrap,
.home-page .v8-home-tool-grid,
.home-page .v8-tool-card {
  min-width: 0 !important;
  box-sizing: border-box !important;
}
.home-page .v8-tool-card .hub-tool-tag,
.home-page .hub-tool-tag {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: auto !important;
  max-width: max-content !important;
  align-self: flex-start !important;
  padding: 7px 12px !important;
  border-radius: 999px !important;
  background: rgba(217,182,109,.16) !important;
  color: var(--hyf-champagne) !important;
  line-height: 1 !important;
  white-space: nowrap !important;
}
.home-page .v8-tool-card strong {
  flex: 0 0 auto !important;
  line-height: 1 !important;
}
@media (min-width: 981px) {
  .home-page .v8-home-hub-wrap {
    display: grid !important;
    grid-template-columns: minmax(300px, .82fr) minmax(520px, 1.18fr) !important;
    gap: clamp(36px, 4vw, 64px) !important;
    align-items: center !important;
  }
  .home-page .v8-home-tool-grid {
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 16px !important;
    width: 100% !important;
    max-width: 680px !important;
    margin-left: auto !important;
    overflow: visible !important;
  }
  .home-page .v8-tool-card {
    display: grid !important;
    grid-template-columns: 56px minmax(0,1fr) 34px !important;
    grid-template-rows: auto auto !important;
    column-gap: 18px !important;
    row-gap: 8px !important;
    align-items: center !important;
    width: 100% !important;
    min-height: 132px !important;
    padding: 22px 24px !important;
    border-radius: 24px !important;
  }
  .home-page .v8-tool-card::before {
    position: static !important;
    grid-column: 1 !important;
    grid-row: 1 / span 2 !important;
    transform: none !important;
    width: 54px !important;
    height: 54px !important;
    border-radius: 18px !important;
    content: "" !important;
  }
  .home-page .v8-tool-card::after {
    pointer-events: none !important;
  }
  .home-page .v8-tool-card .hub-tool-tag {
    grid-column: 2 !important;
    grid-row: 1 !important;
    margin: 0 0 2px 0 !important;
  }
  .home-page .v8-tool-card h3 {
    grid-column: 2 !important;
    grid-row: 2 !important;
    margin: 0 !important;
    font-size: clamp(1.32rem, 1.55vw, 1.72rem) !important;
    line-height: 1.12 !important;
    max-width: 100% !important;
  }
  .home-page .v8-tool-card p {
    grid-column: 1 / -1 !important;
    grid-row: 3 !important;
    margin: 2px 0 0 0 !important;
    padding-left: 72px !important;
    max-width: none !important;
    font-size: .98rem !important;
    line-height: 1.55 !important;
    overflow-wrap: break-word !important;
  }
  .home-page .v8-tool-card strong {
    position: static !important;
    grid-column: 3 !important;
    grid-row: 1 / span 2 !important;
    transform: none !important;
    justify-self: end !important;
    align-self: center !important;
    width: 34px !important;
    height: 34px !important;
    border-radius: 50% !important;
    display: inline-flex !important;
    align-items: center !important;
    justify-content: center !important;
    background: rgba(217,182,109,.16) !important;
  }
  html.is-edge .home-page .v8-home-hub-wrap {
    grid-template-columns: minmax(300px,.82fr) minmax(500px,1.18fr) !important;
  }
  html.is-edge .home-page .v8-tool-card {
    transform: none !important;
  }
  html.is-edge .home-page .v8-tool-card:hover {
    transform: translateY(-3px) !important;
  }
}
@media (min-width: 981px) and (max-width: 1120px) {
  .home-page .v8-home-hub-wrap,
  html.is-edge .home-page .v8-home-hub-wrap {
    grid-template-columns: 1fr !important;
    gap: 30px !important;
  }
  .home-page .v8-home-hub-copy,
  .home-page .v8-home-hub-copy .section-title,
  .home-page .v8-home-hub-copy .lead {
    max-width: 860px !important;
    margin-left: auto !important;
    margin-right: auto !important;
    text-align: center !important;
  }
  .home-page .v8-home-tool-grid {
    margin-left: auto !important;
    margin-right: auto !important;
  }
}
@media (max-width: 980px) {
  .home-page .v8-tool-card {
    display: block !important;
    padding: 24px !important;
  }
  .home-page .v8-tool-card p { padding-left: 0 !important; }
  .home-page .v8-tool-card strong { position: static !important; transform: none !important; }
}

/* --- Mobile menu: remove white dropdown panel, show simple nested links --- */
@media (max-width: 900px) {
  .mainnav .nav-inner.open {
    gap: 6px !important;
    padding: 12px 16px 16px !important;
  }
  .mainnav .nav-item.has-dropdown {
    width: 100% !important;
    border-radius: 16px !important;
    overflow: hidden !important;
  }
  .mainnav .nav-item.has-dropdown > .nav-link {
    width: 100% !important;
    justify-content: flex-start !important;
    padding: 16px 22px !important;
    background: rgba(255,255,255,.10) !important;
    border: 1px solid rgba(255,255,255,.10) !important;
    border-bottom: 1px solid rgba(217,182,109,.55) !important;
    border-radius: 16px !important;
  }
  .mainnav .nav-item.has-dropdown > .nav-link::after {
    content: "▾";
    margin-left: 8px;
    font-size: .75em;
    opacity: .9;
  }
  .mainnav .nav-item.has-dropdown .dropdown-menu {
    position: static !important;
    display: block !important;
    min-width: 0 !important;
    width: 100% !important;
    margin: 0 !important;
    padding: 8px 0 10px 18px !important;
    background: transparent !important;
    border: 0 !important;
    border-radius: 0 !important;
    box-shadow: none !important;
  }
  .mainnav .nav-item.has-dropdown .dropdown-menu a {
    color: rgba(255,255,255,.92) !important;
    background: transparent !important;
    border-radius: 0 !important;
    padding: 10px 18px 10px 18px !important;
    margin: 0 !important;
    font-size: .98rem !important;
    font-weight: 780 !important;
    border-left: 2px solid rgba(217,182,109,.72) !important;
    white-space: normal !important;
  }
  .mainnav .nav-item.has-dropdown .dropdown-menu a:hover,
  .mainnav .nav-item.has-dropdown .dropdown-menu a:focus {
    color: #fff !important;
    background: rgba(255,255,255,.08) !important;
  }
  .mainnav .nav-link:not(.nav-cta) {
    width: 100% !important;
    justify-content: flex-start !important;
    padding: 15px 22px !important;
  }
  .mainnav .nav-cta {
    width: 100% !important;
    justify-content: center !important;
    margin-top: 6px !important;
  }
}


/* ================================
   V9.1.7 Mobile submenu final patch
   Services submenu is hidden by default on phones and only opens after tap.
   ================================ */
@media (max-width: 900px) {
  .mainnav .nav-item.has-dropdown {
    overflow: visible !important;
  }
  .mainnav .nav-item.has-dropdown > .nav-link {
    cursor: pointer !important;
  }
  .mainnav .nav-item.has-dropdown > .nav-link::after {
    transition: transform .22s ease, opacity .22s ease !important;
  }
  .mainnav .nav-item.has-dropdown.submenu-open > .nav-link::after {
    transform: rotate(180deg) !important;
  }
  .mainnav .nav-item.has-dropdown .dropdown-menu {
    display: none !important;
    max-height: 0 !important;
    overflow: hidden !important;
    opacity: 0 !important;
    visibility: hidden !important;
    margin: 0 !important;
    padding: 0 0 0 18px !important;
    background: transparent !important;
    border: 0 !important;
    box-shadow: none !important;
  }
  .mainnav .nav-item.has-dropdown.submenu-open .dropdown-menu {
    display: block !important;
    max-height: 360px !important;
    opacity: 1 !important;
    visibility: visible !important;
    padding: 8px 0 10px 18px !important;
  }
  .mainnav .nav-item.has-dropdown.submenu-open .dropdown-menu a {
    display: block !important;
    color: rgba(255,255,255,.94) !important;
    background: transparent !important;
    padding: 10px 18px !important;
    border-left: 2px solid rgba(217,182,109,.72) !important;
    border-radius: 0 !important;
  }
}


/* V9.1.8 Events visibility and homepage featured image refinement */
.events-page .v8-events-hero .section-kicker,
.events-page .v8-events-hero h1,
.events-page .v8-events-hero .lead {
  color: #ffffff !important;
  text-shadow: 0 2px 16px rgba(0, 0, 0, .28);
}
.events-page .v8-events-hero .section-kicker {
  color: #f2d48b !important;
  opacity: 1 !important;
}
.events-page .v8-events-hero h1 {
  color: #ffffff !important;
}
.events-page .v8-events-hero .lead {
  color: rgba(255, 255, 255, .88) !important;
}

/* Keep the latest event image fully visible on the homepage featured card */
.home-page .events-grid .event-card-featured .event-media {
  background: linear-gradient(135deg, rgba(8,23,47,.04), rgba(167,30,50,.04));
}
.home-page .events-grid .event-card-featured .event-media img {
  object-fit: contain !important;
  object-position: center center !important;
  padding: 0;
  background: transparent;
}
.home-page .events-grid .event-card-featured:hover .event-media img {
  transform: scale(1.015);
}
@media (min-width: 900px) {
  .home-page .events-grid .event-card-featured .event-media {
    min-height: 340px;
  }
}
@media (max-width: 899px) {
  .home-page .events-grid .event-card-featured .event-media {
    aspect-ratio: 4 / 3;
  }
}

/* V9.1.9 — Latest Events featured image overlay refinement
   Keeps the British Bank Awards team photo visually strong while retaining all people in frame. */
.home-page .events-grid .event-card-featured.event-card-overlay {
  grid-column: span 2 !important;
  display: block !important;
  min-height: 430px;
  padding: 0 !important;
  position: relative;
  overflow: hidden;
  background: #08172f;
}

.home-page .events-grid .event-card-featured.event-card-overlay .event-media,
.home-page .events-grid .event-card-featured.event-card-overlay .event-media-featured {
  min-height: 430px !important;
  height: 100% !important;
  aspect-ratio: 16 / 9 !important;
  display: block;
  position: relative;
  background-color: #08172f;
  background-image:
    linear-gradient(180deg, rgba(8,23,47,.08) 0%, rgba(8,23,47,.16) 48%, rgba(8,23,47,.76) 100%),
    url('assets/events/british-bank-awards-2026.jpg');
  background-size: cover;
  background-position: center 44%;
}

.home-page .events-grid .event-card-featured.event-card-overlay .event-media::before {
  content: "";
  position: absolute;
  inset: 0;
  background: inherit;
  filter: blur(14px) saturate(.95) brightness(.72);
  transform: scale(1.05);
  opacity: .92;
}

.home-page .events-grid .event-card-featured.event-card-overlay .event-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(8,23,47,.38) 0%, rgba(8,23,47,.06) 46%, rgba(8,23,47,.30) 100%),
    linear-gradient(180deg, rgba(8,23,47,0) 42%, rgba(8,23,47,.72) 100%);
  z-index: 2;
}

.home-page .events-grid .event-card-featured.event-card-overlay .event-media img {
  position: absolute;
  inset: 0;
  z-index: 1;
  width: 100%;
  height: 100%;
  object-fit: contain !important;
  object-position: center center !important;
  padding: 0;
  transform: none !important;
  filter: none;
}

.home-page .events-grid .event-card-featured.event-card-overlay:hover .event-media img {
  transform: scale(1.018) !important;
}

.home-page .events-grid .event-card-featured.event-card-overlay .event-tag {
  z-index: 4;
  background: rgba(242, 212, 139, .96);
  color: #08172f;
  box-shadow: 0 10px 26px rgba(0,0,0,.16);
}

.home-page .event-overlay-copy {
  position: absolute;
  left: clamp(20px, 4vw, 42px);
  right: clamp(20px, 4vw, 42px);
  bottom: clamp(20px, 4vw, 38px);
  z-index: 4;
  color: #fff;
  display: grid;
  gap: 6px;
  max-width: 720px;
  text-shadow: 0 2px 18px rgba(0,0,0,.36);
}

.home-page .event-overlay-copy strong {
  font-size: clamp(1.65rem, 3.2vw, 3rem);
  line-height: .98;
  letter-spacing: -.035em;
  font-weight: 950;
}

.home-page .event-overlay-copy em {
  font-style: normal;
  font-size: clamp(1rem, 1.4vw, 1.18rem);
  color: #f2d48b;
  font-weight: 900;
}

.home-page .event-overlay-meta {
  color: rgba(255,255,255,.86);
  font-size: .86rem;
  font-weight: 850;
  letter-spacing: .08em;
  text-transform: uppercase;
}

@media (max-width: 899px) {
  .home-page .events-grid .event-card-featured.event-card-overlay {
    grid-column: auto !important;
    min-height: 420px;
  }
  .home-page .events-grid .event-card-featured.event-card-overlay .event-media,
  .home-page .events-grid .event-card-featured.event-card-overlay .event-media-featured {
    min-height: 420px !important;
    aspect-ratio: 4 / 5 !important;
  }
  .home-page .event-overlay-copy {
    max-width: none;
  }
}

@media (max-width: 520px) {
  .home-page .events-grid .event-card-featured.event-card-overlay,
  .home-page .events-grid .event-card-featured.event-card-overlay .event-media,
  .home-page .events-grid .event-card-featured.event-card-overlay .event-media-featured {
    min-height: 390px !important;
  }
  .home-page .event-overlay-meta {
    font-size: .72rem;
  }
}


/* V9.2 — Unified page hero and Events layout refinement
   Aligns Events/About/inner pages with the Mortgage Hub visual language. */
:root {
  --hyf-page-hero-bg:
    radial-gradient(circle at top left, rgba(177, 31, 51, 0.08), transparent 34%),
    linear-gradient(135deg, #f8fafc 0%, #ffffff 52%, #f4f7fb 100%);
  --hyf-page-ink: #102033;
  --hyf-page-muted: #5b6472;
  --hyf-page-red: #b11f33;
  --hyf-page-gold: #d9b66d;
}

.inner-hero.premium-inner-hero,
.calculator-hero,
.events-page .calculator-hero.events-hero,
.events-page .v8-events-hero {
  background: var(--hyf-page-hero-bg) !important;
  color: var(--hyf-page-ink) !important;
  text-align: center;
  position: relative;
  overflow: hidden;
  padding: clamp(72px, 8vw, 118px) 0 clamp(58px, 7vw, 94px) !important;
}

.inner-hero.premium-inner-hero::after,
.calculator-hero::after,
.events-page .calculator-hero.events-hero::after,
.events-page .v8-events-hero::after {
  content: "";
  position: absolute;
  right: -12%;
  bottom: -40%;
  width: 460px;
  height: 460px;
  background: radial-gradient(circle, rgba(217, 182, 109, .16), transparent 62%);
  pointer-events: none;
}

.inner-hero.premium-inner-hero .wrap,
.inner-hero.premium-inner-hero .inner-hero-wrap,
.calculator-hero .wrap,
.calculator-hero .calculator-hero-inner,
.events-page .calculator-hero.events-hero .wrap,
.events-page .v8-events-hero .wrap {
  position: relative;
  z-index: 1;
}

.inner-hero.premium-inner-hero .section-kicker,
.calculator-hero .section-kicker,
.events-page .calculator-hero.events-hero .section-kicker,
.events-page .v8-events-hero .section-kicker {
  color: var(--hyf-page-red) !important;
  opacity: 1 !important;
  text-shadow: none !important;
}

.inner-hero.premium-inner-hero h1,
.calculator-hero h1,
.events-page .calculator-hero.events-hero h1,
.events-page .v8-events-hero h1 {
  color: var(--hyf-page-ink) !important;
  text-shadow: none !important;
  margin-left: auto;
  margin-right: auto;
  max-width: 980px;
}

.inner-hero.premium-inner-hero .lead,
.calculator-hero .lead,
.events-page .calculator-hero.events-hero .lead,
.events-page .v8-events-hero .lead {
  color: var(--hyf-page-muted) !important;
  text-shadow: none !important;
  margin-left: auto;
  margin-right: auto;
  max-width: 780px;
}

.events-page .events-page-section {
  background: #fff;
  padding: clamp(70px, 8vw, 112px) 0;
}

.events-page .events-timeline {
  display: grid;
  gap: 28px;
}

.events-page .timeline-year {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 18px 0 2px;
}

.events-page .timeline-year span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(177, 31, 51, .08);
  color: var(--hyf-page-red);
  font-weight: 900;
  letter-spacing: .08em;
}

.events-page .timeline-year::after {
  content: "";
  height: 1px;
  flex: 1;
  background: linear-gradient(90deg, rgba(177,31,51,.22), rgba(217,182,109,.10), transparent);
}

.events-page .event-card.event-detail-card {
  display: grid;
  grid-template-columns: minmax(280px, .95fr) minmax(320px, 1.05fr);
  gap: 34px;
  align-items: center;
  padding: 30px;
  margin: 0 0 8px;
  border-radius: 28px;
  background: #fff;
  border: 1px solid rgba(8,23,47,.07);
  box-shadow: 0 18px 44px rgba(8,23,47,.09);
  overflow: hidden;
}

.events-page .event-card.event-detail-card .event-media,
.events-page .event-card.event-detail-card .event-gallery-two {
  min-width: 0;
}

.events-page .event-card.event-detail-card .event-media {
  position: relative;
  overflow: hidden;
  border-radius: 22px;
  background: #f4f7fb;
}

.events-page .event-card.event-detail-card .event-media img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 260px;
  max-height: 520px;
  object-fit: cover;
  object-position: center center;
  transform: translateZ(0);
}

.events-page .event-gallery-two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.events-page .event-gallery-two .event-media img {
  aspect-ratio: 4 / 3;
}

.events-page .event-tag {
  position: absolute;
  left: 16px;
  top: 16px;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  width: auto;
  max-width: calc(100% - 32px);
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(177,31,51,.94);
  color: #fff;
  font-size: .76rem;
  font-weight: 900;
  letter-spacing: .04em;
  text-transform: uppercase;
  box-shadow: 0 10px 26px rgba(8,23,47,.18);
}

.events-page .event-body h2 {
  margin: 0 0 14px;
  color: var(--hyf-page-ink);
  font-size: clamp(1.65rem, 3vw, 2.55rem);
  line-height: 1.08;
  letter-spacing: -.025em;
}

.events-page .event-body p:not(.event-meta) {
  margin: 0 0 12px;
  color: #536174;
  line-height: 1.75;
}

.events-page .event-body p:not(.event-meta):last-child {
  margin-bottom: 0;
}

.events-page .event-meta {
  color: var(--hyf-page-red);
  font-weight: 900;
  letter-spacing: .02em;
}

@media (max-width: 900px) {
  .events-page .event-card.event-detail-card {
    grid-template-columns: 1fr;
    padding: 18px;
    border-radius: 22px;
  }
}

@media (max-width: 640px) {
  .events-page .event-gallery-two {
    grid-template-columns: 1fr;
  }
  .events-page .event-card.event-detail-card .event-media img {
    min-height: 220px;
  }
}


/* V9.3 — Unified inner-page hero colour system
   Uses the Mortgage Hub hero direction as the single source of truth. */
:root {
  --hyf-hero-navy-1: #08172f;
  --hyf-hero-navy-2: #0d3b78;
  --hyf-hero-gold-glow: rgba(214, 173, 97, .20);
  --hyf-hero-gold: #d9b66d;
  --hyf-hero-white-soft: rgba(255, 255, 255, .86);
}

body.inner-page .inner-hero.premium-inner-hero,
body.calculator-page .calculator-hero,
body.hub-page .calculator-hero.hub-hero,
body.events-page .calculator-hero.events-hero,
body.events-page .v8-events-hero {
  background:
    radial-gradient(circle at top left, var(--hyf-hero-gold-glow), transparent 34%),
    linear-gradient(135deg, var(--hyf-hero-navy-1) 0%, var(--hyf-hero-navy-2) 100%) !important;
  color: #fff !important;
  text-align: center !important;
  padding: clamp(88px, 9vw, 132px) 0 clamp(72px, 7vw, 96px) !important;
  overflow: hidden !important;
}

body.inner-page .inner-hero.premium-inner-hero::after,
body.calculator-page .calculator-hero::after,
body.hub-page .calculator-hero.hub-hero::after,
body.events-page .calculator-hero.events-hero::after,
body.events-page .v8-events-hero::after {
  content: "";
  position: absolute;
  right: -12%;
  bottom: -42%;
  width: 520px;
  height: 520px;
  background: radial-gradient(circle, rgba(217, 182, 109, .18), transparent 62%);
  pointer-events: none;
}

body.inner-page .inner-hero.premium-inner-hero .wrap,
body.inner-page .inner-hero.premium-inner-hero .inner-hero-wrap,
body.calculator-page .calculator-hero .wrap,
body.calculator-page .calculator-hero .calculator-hero-inner,
body.hub-page .calculator-hero.hub-hero .wrap,
body.hub-page .calculator-hero.hub-hero .calculator-hero-inner,
body.events-page .calculator-hero.events-hero .wrap,
body.events-page .calculator-hero.events-hero .calculator-hero-inner,
body.events-page .v8-events-hero .wrap {
  position: relative;
  z-index: 1;
}

body.inner-page .inner-hero.premium-inner-hero .section-kicker,
body.calculator-page .calculator-hero .section-kicker,
body.hub-page .calculator-hero.hub-hero .section-kicker,
body.events-page .calculator-hero.events-hero .section-kicker,
body.events-page .v8-events-hero .section-kicker {
  color: var(--hyf-hero-gold) !important;
  opacity: 1 !important;
  text-shadow: none !important;
}

body.inner-page .inner-hero.premium-inner-hero h1,
body.calculator-page .calculator-hero h1,
body.hub-page .calculator-hero.hub-hero h1,
body.events-page .calculator-hero.events-hero h1,
body.events-page .v8-events-hero h1 {
  color: #fff !important;
  text-shadow: none !important;
  max-width: 980px;
  margin-left: auto;
  margin-right: auto;
}

body.inner-page .inner-hero.premium-inner-hero .lead,
body.calculator-page .calculator-hero .lead,
body.hub-page .calculator-hero.hub-hero .lead,
body.events-page .calculator-hero.events-hero .lead,
body.events-page .v8-events-hero .lead {
  color: var(--hyf-hero-white-soft) !important;
  text-shadow: none !important;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}

@media (max-width: 640px) {
  body.inner-page .inner-hero.premium-inner-hero,
  body.calculator-page .calculator-hero,
  body.hub-page .calculator-hero.hub-hero,
  body.events-page .calculator-hero.events-hero,
  body.events-page .v8-events-hero {
    padding: 66px 0 58px !important;
  }
}

/* V9.4 — Events final card layout (sync with requested screenshot style)
   Full-width image/story cards with text below; 2-photo event galleries remain side-by-side on desktop. */
body.events-page .events-page-section {
  background: #f6f8fb !important;
  padding: clamp(64px, 7vw, 108px) 0 !important;
}

body.events-page .events-timeline {
  display: grid !important;
  gap: 34px !important;
  max-width: 1120px;
  margin: 0 auto;
}

body.events-page .timeline-year {
  display: flex !important;
  align-items: center;
  gap: 16px;
  margin: 10px 0 -4px !important;
  padding: 0 !important;
  border: 0 !important;
  box-shadow: none !important;
  background: transparent !important;
  border-radius: 0 !important;
}

body.events-page .timeline-year span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 84px;
  padding: 9px 18px;
  border-radius: 999px;
  background: rgba(217, 182, 109, .18) !important;
  color: #8b6a2b !important;
  font-weight: 950;
  letter-spacing: .08em;
}

body.events-page .timeline-year::after {
  content: "";
  height: 1px;
  flex: 1;
  background: linear-gradient(90deg, rgba(217,182,109,.45), rgba(8,23,47,.08), transparent) !important;
}

body.events-page .event-card.event-detail-card {
  display: block !important;
  padding: 0 !important;
  margin: 0 0 4px !important;
  border-radius: 26px !important;
  background: #fff !important;
  border: 1px solid rgba(8, 23, 47, .08) !important;
  box-shadow: 0 18px 46px rgba(8, 23, 47, .08) !important;
  overflow: hidden !important;
}

body.events-page .event-card.event-detail-card .event-media {
  position: relative !important;
  display: block !important;
  overflow: hidden !important;
  border-radius: 0 !important;
  background: #eef3f8 !important;
}

body.events-page .event-card.event-detail-card .event-media img {
  display: block !important;
  width: 100% !important;
  height: clamp(300px, 34vw, 430px) !important;
  min-height: 0 !important;
  max-height: none !important;
  object-fit: cover !important;
  object-position: center center !important;
  transform: none !important;
}

body.events-page #british-bank-awards-2026 .event-media img {
  object-position: center 44% !important;
}

body.events-page .event-gallery-two {
  display: grid !important;
  grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  gap: 0 !important;
  width: 100% !important;
}

body.events-page .event-gallery-two .event-media {
  border-radius: 0 !important;
}

body.events-page .event-gallery-two .event-media + .event-media {
  border-left: 1px solid rgba(255, 255, 255, .55);
}

body.events-page .event-gallery-two .event-media img {
  height: clamp(300px, 32vw, 420px) !important;
  aspect-ratio: auto !important;
  object-fit: cover !important;
}

body.events-page #business-moneyfacts-awards-2026 .event-gallery-two .event-media:first-child img,
body.events-page #business-moneyfacts-awards-2025 .event-gallery-two .event-media:first-child img {
  object-position: center center !important;
}

body.events-page #business-moneyfacts-awards-2026 .event-gallery-two .event-media:nth-child(2) img,
body.events-page #business-moneyfacts-awards-2025 .event-gallery-two .event-media:nth-child(2) img {
  object-position: center top !important;
}

body.events-page .event-tag {
  position: absolute !important;
  left: 18px !important;
  top: 18px !important;
  z-index: 2 !important;
  display: inline-flex !important;
  align-items: center !important;
  width: auto !important;
  max-width: calc(100% - 36px) !important;
  padding: 8px 14px !important;
  border-radius: 999px !important;
  background: rgba(8, 23, 47, .70) !important;
  color: #fff !important;
  border: 1px solid rgba(255,255,255,.22);
  backdrop-filter: blur(10px);
  font-size: .74rem !important;
  font-weight: 900 !important;
  letter-spacing: .05em !important;
  text-transform: uppercase !important;
  box-shadow: 0 10px 26px rgba(8,23,47,.22) !important;
}

body.events-page .event-body {
  padding: clamp(26px, 4vw, 42px) !important;
}

body.events-page .event-body h2 {
  margin: 0 0 16px !important;
  color: #102033 !important;
  font-size: clamp(1.7rem, 3vw, 2.45rem) !important;
  line-height: 1.08 !important;
  letter-spacing: -.025em !important;
}

body.events-page .event-body p:not(.event-meta) {
  max-width: 940px;
  margin: 0 0 12px !important;
  color: #536174 !important;
  line-height: 1.75 !important;
}

body.events-page .event-meta {
  margin: 0 0 18px !important;
  color: #9c7a35 !important;
  font-weight: 900 !important;
  letter-spacing: .02em !important;
}

@media (max-width: 760px) {
  body.events-page .event-gallery-two {
    grid-template-columns: 1fr !important;
  }
  body.events-page .event-gallery-two .event-media + .event-media {
    border-left: 0;
    border-top: 1px solid rgba(255, 255, 255, .55);
  }
  body.events-page .event-card.event-detail-card .event-media img,
  body.events-page .event-gallery-two .event-media img {
    height: 260px !important;
  }
}


/* V9.4.1 — Events hotfix: join image and copy into one continuous card.
   This patch overrides older event/grid rules that could separate media and text. */
body.events-page .events-page-section {
  background: #f6f8fb !important;
}

body.events-page .events-timeline {
  display: grid !important;
  gap: 36px !important;
  max-width: 1120px !important;
  margin: 0 auto !important;
}

body.events-page .event-card.event-detail-card {
  display: block !important;
  width: 100% !important;
  height: auto !important;
  min-height: 0 !important;
  margin: 0 0 44px !important;
  padding: 0 !important;
  overflow: hidden !important;
  border-radius: 26px !important;
  background: #fff !important;
  border: 1px solid rgba(8,23,47,.08) !important;
  box-shadow: 0 18px 46px rgba(8,23,47,.08) !important;
  transform: none;
}

body.events-page .event-card.event-detail-card > .event-media,
body.events-page .event-card.event-detail-card > .event-gallery-two {
  margin: 0 !important;
  padding: 0 !important;
  width: 100% !important;
  height: auto !important;
  min-height: 0 !important;
  max-height: none !important;
  border-radius: 0 !important;
  background: #eef3f8 !important;
  overflow: hidden !important;
}

body.events-page .event-card.event-detail-card > .event-media {
  display: block !important;
  position: relative !important;
}

body.events-page .event-card.event-detail-card > .event-gallery-two {
  display: grid !important;
  grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  gap: 0 !important;
}

body.events-page .event-card.event-detail-card > .event-gallery-two > .event-media {
  position: relative !important;
  display: block !important;
  margin: 0 !important;
  padding: 0 !important;
  height: auto !important;
  min-height: 0 !important;
  border-radius: 0 !important;
  overflow: hidden !important;
  background: #eef3f8 !important;
}

body.events-page .event-card.event-detail-card > .event-media img,
body.events-page .event-card.event-detail-card > .event-gallery-two > .event-media img {
  display: block !important;
  width: 100% !important;
  min-height: 0 !important;
  max-height: none !important;
  margin: 0 !important;
  padding: 0 !important;
  object-fit: cover !important;
  transform: none !important;
}

body.events-page .event-card.event-detail-card > .event-media img {
  height: clamp(300px, 34vw, 430px) !important;
}

body.events-page .event-card.event-detail-card > .event-gallery-two > .event-media img {
  height: clamp(300px, 32vw, 420px) !important;
}

body.events-page #british-bank-awards-2026 > .event-media img {
  object-position: center 44% !important;
}

body.events-page #business-moneyfacts-awards-2026 > .event-gallery-two > .event-media:first-child img,
body.events-page #business-moneyfacts-awards-2025 > .event-gallery-two > .event-media:first-child img {
  object-position: center center !important;
}

body.events-page #business-moneyfacts-awards-2026 > .event-gallery-two > .event-media:nth-child(2) img,
body.events-page #business-moneyfacts-awards-2025 > .event-gallery-two > .event-media:nth-child(2) img {
  object-position: center top !important;
}

body.events-page .event-card.event-detail-card > .event-body {
  display: block !important;
  position: relative !important;
  top: auto !important;
  left: auto !important;
  right: auto !important;
  bottom: auto !important;
  transform: none !important;
  margin: 0 !important;
  padding: clamp(26px, 4vw, 42px) !important;
  width: 100% !important;
  min-height: 0 !important;
  background: #fff !important;
  border-radius: 0 !important;
}

body.events-page .event-card.event-detail-card > .event-body .event-meta {
  margin: 0 0 18px !important;
  color: #9c7a35 !important;
  font-weight: 900 !important;
  letter-spacing: .02em !important;
  text-transform: uppercase;
}

body.events-page .event-card.event-detail-card > .event-body h2 {
  margin: 0 0 16px !important;
  color: #102033 !important;
  font-size: clamp(1.7rem, 3vw, 2.45rem) !important;
  line-height: 1.08 !important;
}

body.events-page .event-card.event-detail-card > .event-body p:not(.event-meta) {
  margin: 0 0 12px !important;
  max-width: 940px !important;
  color: #536174 !important;
  line-height: 1.75 !important;
}

@media (max-width: 760px) {
  body.events-page .event-card.event-detail-card {
    margin-bottom: 30px !important;
    border-radius: 22px !important;
  }
  body.events-page .event-card.event-detail-card > .event-gallery-two {
    grid-template-columns: 1fr !important;
  }
  body.events-page .event-card.event-detail-card > .event-media img,
  body.events-page .event-card.event-detail-card > .event-gallery-two > .event-media img {
    height: 260px !important;
  }
}


/* V9.4.2 homepage latest-event update */
.home-page .event-media-2025-award img {
  object-position: 50% 28%;
}
.home-page .event-card-overlay .event-overlay-copy {
  background: linear-gradient(180deg, rgba(8,23,47,0) 0%, rgba(8,23,47,.22) 28%, rgba(8,23,47,.92) 100%);
}
@media (max-width: 640px) {
  .home-page .event-media-2025-award img {
    object-position: 50% 24%;
  }
}


/* V9.4.7 — British Bank Awards finalist badge in homepage recognition row */
.home-page .home-awards-section .british-bank-panel img {
  max-width: 100%;
  max-height: 100%;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 20px;
}

/* V9.4.8 — recognition badge UI polish */
.home-page .home-awards-section .award-panel.square-panel {
  padding: 18px;
  box-sizing: border-box;
}

.home-page .home-awards-section .award-panel.square-panel img,
.home-page .home-awards-section .british-bank-panel img {
  width: auto !important;
  height: auto !important;
  max-width: 82% !important;
  max-height: 82% !important;
  object-fit: contain !important;
  border-radius: 0 !important;
  margin: 0 auto !important;
}

.home-page .home-awards-section .british-bank-panel img {
  max-width: 76% !important;
  max-height: 76% !important;
}

@media (max-width: 640px) {
  .home-page .home-awards-section .award-panel.square-panel {
    padding: 14px;
  }
  .home-page .home-awards-section .award-panel.square-panel img,
  .home-page .home-awards-section .british-bank-panel img {
    max-width: 80% !important;
    max-height: 80% !important;
  }
}