/* EMIFORMULA — HOMEPAGE EXPERIENCE */
.home-main {
  overflow: hidden;
}

.home-hero {
  position: relative;
  margin: 1.5rem 0 3.5rem;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1.25rem, 5vw, 4.5rem);
  border-radius: 28px;
  color: #fff;
  background:
    radial-gradient(circle at 12% 15%, rgba(255,255,255,.24), transparent 30%),
    radial-gradient(circle at 90% 80%, rgba(34,211,238,.30), transparent 32%),
    linear-gradient(135deg, #1d4ed8 0%, #4f46e5 48%, #7c3aed 100%);
  box-shadow: 0 22px 60px rgba(37, 99, 235, .22);
  isolation: isolate;
}

.home-hero::before,
.home-hero::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: -1;
}

.home-hero::before {
  width: 180px;
  height: 180px;
  right: 7%;
  top: -70px;
  background: rgba(255,255,255,.10);
  animation: homeFloat 7s ease-in-out infinite;
}

.home-hero::after {
  width: 120px;
  height: 120px;
  left: 45%;
  bottom: -55px;
  background: rgba(34,211,238,.16);
  animation: homeFloat 6s ease-in-out infinite reverse;
}

.home-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  margin-bottom: 1rem;
  padding: .45rem .8rem;
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 999px;
  background: rgba(255,255,255,.10);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.home-eyebrow::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #67e8f9;
  box-shadow: 0 0 0 5px rgba(103,232,249,.15);
}

.home-hero h1 {
  max-width: 780px;
  margin: 0 0 1rem;
  color: #fff;
  font-size: clamp(2.15rem, 6vw, 4.35rem);
  line-height: 1.04;
  letter-spacing: -.045em;
}

.home-hero p {
  max-width: 720px;
  margin: 0;
  color: rgba(255,255,255,.88);
  font-size: clamp(1rem, 2vw, 1.15rem);
}

.home-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: .8rem;
  margin-top: 1.75rem;
}

.home-hero-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: .7rem 1rem;
  border-radius: 12px;
  font-weight: 800;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}

.home-hero-button.primary {
  color: #1e3a8a;
  background: #fff;
  box-shadow: 0 10px 24px rgba(15,23,42,.16);
}

.home-hero-button.secondary {
  color: #fff;
  border: 1px solid rgba(255,255,255,.28);
  background: rgba(255,255,255,.10);
}

.home-hero-button:hover {
  transform: translateY(-2px);
}

.home-section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.home-section-head .home-kicker {
  margin: 0 0 .4rem;
  color: #2563eb;
  font-size: .75rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.home-section-head h2 {
  margin: 0;
  font-size: clamp(1.65rem, 3vw, 2.25rem);
  letter-spacing: -.025em;
}

.home-section-head p {
  max-width: 560px;
  margin: .55rem 0 0;
  color: var(--text-secondary);
}

.home-category-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.1rem;
  margin-bottom: 3.75rem;
}

.home-category-card {
  position: relative;
  min-height: 265px;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  padding: 1.45rem;
  border: 1px solid var(--border);
  border-radius: 22px;
  background: var(--background);
  box-shadow: 0 8px 24px rgba(15,23,42,.06);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  animation: cardReveal .65s ease both;
}

.home-category-card:nth-child(2) { animation-delay: .08s; }
.home-category-card:nth-child(3) { animation-delay: .16s; }

.home-category-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  background: var(--category-accent, #2563eb);
}

.home-category-card:hover {
  transform: translateY(-7px);
  border-color: color-mix(in srgb, var(--category-accent, #2563eb) 40%, var(--border));
  box-shadow: 0 18px 38px rgba(15,23,42,.11);
}

.home-category-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  margin-bottom: 1.1rem;
  border-radius: 16px;
  color: var(--category-accent, #2563eb);
  background: color-mix(in srgb, var(--category-accent, #2563eb) 10%, white);
}

.home-category-icon svg {
  width: 27px;
  height: 27px;
}

.home-category-card h3 {
  margin: 0 0 .55rem;
  font-size: 1.28rem;
}

.home-category-card p {
  margin: 0;
  color: var(--text-secondary);
  font-size: .92rem;
}

.home-category-link {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  margin-top: auto;
  padding-top: 1.25rem;
  color: var(--category-accent, #2563eb);
  font-size: .88rem;
  font-weight: 800;
}

.home-category-link span {
  transition: transform .2s ease;
}

.home-category-card:hover .home-category-link span {
  transform: translateX(4px);
}

.home-feature-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  margin-bottom: 4rem;
}

.home-feature {
  padding: 1.25rem;
  border-radius: 18px;
  background: var(--surface);
  border: 1px solid var(--border);
}

.home-feature strong {
  display: block;
  margin-bottom: .3rem;
  font-size: .98rem;
}

.home-feature span {
  color: var(--text-secondary);
  font-size: .86rem;
}

@keyframes homeFloat {
  0%, 100% { transform: translate3d(0, 0, 0); }
  50% { transform: translate3d(0, 16px, 0); }
}

@keyframes cardReveal {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (prefers-reduced-motion: reduce) {
  .home-hero::before,
  .home-hero::after,
  .home-category-card {
    animation: none;
  }

  .home-category-card,
  .home-hero-button,
  .home-category-link span {
    transition: none;
  }
}

@media (max-width: 900px) {
  .home-category-grid,
  .home-feature-strip {
    grid-template-columns: 1fr;
  }

  .home-category-card {
    min-height: 220px;
  }
}

@media (max-width: 600px) {
  .home-hero {
    margin-top: 1rem;
    margin-bottom: 2.75rem;
    border-radius: 22px;
    padding: 2.2rem 1.2rem;
  }

  .home-hero h1 {
    font-size: 2.35rem;
  }

  .home-hero-actions {
    flex-direction: column;
  }

  .home-hero-button {
    width: 100%;
  }

  .home-section-head {
    display: block;
  }

  .home-category-grid {
    gap: .9rem;
    margin-bottom: 2.75rem;
  }
}

/* --- EMIFORMULA homepage tool cards --- */
.home-tool-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.15rem;
  margin-bottom: 3.5rem;
}

.home-tool-card {
  position: relative;
  min-height: 330px;
  display: flex;
  flex-direction: column;
  padding: 1.5rem;
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: 24px;
  background: var(--background);
  box-shadow: 0 10px 28px rgba(15,23,42,.07);
  animation: cardReveal .65s ease both;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.home-tool-card:nth-child(2) { animation-delay: .08s; }
.home-tool-card:nth-child(3) { animation-delay: .16s; }

.home-tool-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
}

.home-tool-emi::before { background: #2563eb; }
.home-tool-loan::before { background: #7c3aed; }
.home-tool-financial::before { background: #059669; }

.home-tool-card:hover {
  transform: translateY(-7px);
  box-shadow: 0 20px 42px rgba(15,23,42,.12);
}

.home-tool-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.25rem;
}

.home-tool-icon {
  width: 54px;
  height: 54px;
  display: grid;
  place-items: center;
  border-radius: 17px;
  font-size: 1.35rem;
  font-weight: 900;
}

.home-tool-emi .home-tool-icon { color: #1d4ed8; background: #eff6ff; }
.home-tool-loan .home-tool-icon { color: #6d28d9; background: #f5f3ff; }
.home-tool-financial .home-tool-icon { color: #047857; background: #ecfdf5; }

.home-tool-label {
  font-size: .72rem;
  font-weight: 900;
  letter-spacing: .12em;
  color: var(--text-secondary);
}

.home-tool-card h3 {
  margin: 0 0 .65rem;
  font-size: 1.38rem;
  line-height: 1.2;
  letter-spacing: -.02em;
}

.home-tool-card p {
  margin: 0;
  color: var(--text-secondary);
  font-size: .92rem;
  line-height: 1.65;
}

.home-tool-actions {
  display: flex;
  flex-direction: column;
  gap: .55rem;
  margin-top: auto;
  padding-top: 1.4rem;
}

.home-action-primary,
.home-action-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  min-height: 43px;
  padding: .65rem .85rem;
  border-radius: 11px;
  font-size: .86rem;
  font-weight: 800;
}

.home-action-primary { color: #fff; }
.home-tool-emi .home-action-primary { background: #2563eb; }
.home-tool-loan .home-action-primary { background: #7c3aed; }
.home-tool-financial .home-action-primary { background: #059669; }

.home-action-secondary {
  border: 1px solid var(--border);
  color: var(--text-primary);
  background: var(--surface);
}

.home-action-primary span,
.home-action-secondary span,
.home-info-link span {
  transition: transform .2s ease;
}

.home-action-primary:hover span,
.home-action-secondary:hover span,
.home-info-link:hover span {
  transform: translateX(4px);
}

.home-info-band {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  margin: 0 0 4rem;
  padding: 1.7rem 1.8rem;
  border: 1px solid var(--border);
  border-radius: 22px;
  background: linear-gradient(135deg, var(--surface), var(--background));
  box-shadow: 0 8px 24px rgba(15,23,42,.05);
}

.home-info-band h2 {
  margin: 0 0 .55rem;
  max-width: 700px;
  font-size: clamp(1.35rem, 3vw, 1.9rem);
}

.home-info-band p:not(.home-kicker) {
  max-width: 700px;
  margin: 0;
  color: var(--text-secondary);
  line-height: 1.65;
}

.home-info-link {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-weight: 800;
}

@media (max-width: 900px) {
  .home-tool-grid { grid-template-columns: 1fr; }
  .home-tool-card { min-height: 280px; }
  .home-info-band { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 640px) {
  .home-hero { margin-top: 1rem; margin-bottom: 2.5rem; border-radius: 20px; }
  .home-hero-actions { flex-direction: column; }
  .home-hero-button { width: 100%; }
  .home-section-head { align-items: flex-start; flex-direction: column; }
  .home-feature-strip { grid-template-columns: 1fr; }
  .home-info-band { padding: 1.35rem; }
}

@media (prefers-reduced-motion: reduce) {
  .home-tool-card,
  .home-category-card,
  .home-hero::before,
  .home-hero::after { animation: none; }
  .home-tool-card,
  .home-category-card,
  .home-hero-button { transition: none; }
}