.home-hard-money {
    position: relative;
    isolation: isolate;
    overflow: hidden;
    background:
        radial-gradient(circle at 88% 12%, rgb(239 21 27 / 7%), transparent 28rem),
        linear-gradient(135deg, #fff, #f3f6f9);
}

.home-hard-money__layout {
    display: grid;
    grid-template-columns: minmax(420px, .95fr) minmax(0, 1.05fr);
    gap: clamp(54px, 6vw, 100px);
    align-items: center;
    min-height: 760px;
}

.hard-money-visual {
    position: absolute;
    z-index: 0;
    top: 0;
    bottom: 0;
    left: 0;
    width: 68%;
    min-height: 0;
    background: var(--color-navy-950);
}

.hard-money-visual::after {
    position: absolute;
    z-index: 2;
    inset: 0;
    background:
        radial-gradient(ellipse 44% 30% at 106% 22%, #f6f8fa 0 38%, rgb(246 248 250 / 62%) 54%, transparent 74%),
        radial-gradient(ellipse 48% 34% at 108% 82%, #f6f8fa 0 34%, rgb(246 248 250 / 58%) 52%, transparent 73%),
        linear-gradient(102deg, transparent 48%, rgb(246 248 250 / 46%) 68%, #f6f8fa 90%),
        linear-gradient(180deg, transparent 58%, rgb(4 18 31 / 52%));
    content: "";
    pointer-events: none;
}

.hard-money-visual img {
    position: relative;
    z-index: 1;
    width: 100%;
    height: 100%;
    min-height: 760px;
    object-fit: cover;
}

.hard-money-visual > span {
    position: absolute;
    z-index: 3;
    bottom: 28px;
    left: 28px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 12px 16px;
    border: 1px solid rgb(255 255 255 / 22%);
    border-radius: 9px;
    background: rgb(6 23 41 / 88%);
    color: var(--color-white);
    font-size: .78rem;
    font-weight: 800;
    letter-spacing: .06em;
    text-transform: uppercase;
    backdrop-filter: blur(8px);
}

.hard-money-visual > span i {
    color: #ff454b;
}

.home-hard-money h2 span {
    color: var(--color-red-600);
}

.home-hard-money__content {
    position: relative;
    z-index: 1;
    grid-column: 2;
}

.home-hard-money__content::before {
    position: absolute;
    z-index: -1;
    inset: -90px -60px;
    background: radial-gradient(ellipse at 44% 42%, rgb(246 248 250 / 96%) 0 34%, rgb(246 248 250 / 76%) 56%, transparent 78%);
    content: "";
    pointer-events: none;
}

.funding-scenarios {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-top: 34px;
}

.funding-scenarios article {
    min-height: 180px;
    padding: 22px;
    border: 1px solid #dce2e8;
    border-radius: 14px;
    background: rgb(255 255 255 / 80%);
    box-shadow: 0 16px 36px rgb(6 23 41 / 8%);
    transition: border-color var(--motion-fast) ease, box-shadow var(--motion-fast) ease, transform var(--motion-fast) ease;
}

.funding-scenarios article:hover {
    border-color: rgb(239 21 27 / 36%);
    box-shadow: 0 20px 44px rgb(6 23 41 / 12%);
    transform: translateY(-4px);
}

.funding-scenarios i {
    color: var(--color-navy-950);
    font-size: 2rem;
}

.funding-scenarios h3 {
    margin: 16px 0 6px;
    font-size: 1rem;
}

.funding-scenarios p {
    margin: 0;
    color: var(--color-gray-700);
    font-size: .82rem;
}

.home-hard-money__review-note {
    margin: 22px 0 0;
    color: var(--color-gray-700);
}

.home-hard-money__actions {
    display: flex;
    align-items: center;
    gap: 28px;
    margin-top: 18px;
}

.home-hard-money__actions .button {
    min-width: 230px;
    gap: 12px;
}

.consultation-form {
    margin-top: 28px;
    padding: 22px;
    border: 1px solid #d8dfe6;
    border-radius: 16px;
    background: rgb(255 255 255 / 72%);
    box-shadow: 0 18px 44px rgb(6 23 41 / 7%);
    backdrop-filter: blur(8px);
}

.consultation-form__heading {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 18px;
    margin-bottom: 14px;
}

.consultation-form__heading h3,
.consultation-form__heading p {
    margin: 0;
}

.consultation-form__heading h3 {
    font-size: 1rem;
}

.consultation-form__heading p,
.consultation-form__status {
    color: var(--color-gray-700);
    font-size: .76rem;
}

.consultation-form__fields {
    display: grid;
    grid-template-columns: .75fr 1fr 1.35fr auto;
    gap: 10px;
}

.consultation-form label {
    display: block;
}

.consultation-form label span {
    position: absolute;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip-path: inset(50%);
}

.consultation-form input {
    width: 100%;
    min-height: 50px;
    padding: 0 14px;
    border: 1px solid #cbd3db;
    border-radius: 8px;
    background: rgb(255 255 255 / 84%);
    color: var(--color-navy-950);
}

.consultation-form input:focus {
    border-color: var(--color-red-500);
}

.consultation-form .button {
    min-height: 50px;
    gap: 10px;
    padding-inline: 18px;
}

.consultation-form__status {
    margin: 10px 0 0;
}

.consultation-form__status.is-prepared {
    color: #167445;
    font-weight: 700;
}

.hard-money-boundary {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-top: 18px;
    padding: 18px 20px;
    border: 1px solid #d8dfe6;
    border-radius: 14px;
    background: rgb(255 255 255 / 68%);
}

.hard-money-boundary > i {
    color: var(--color-red-600);
    font-size: 2rem;
}

.hard-money-boundary p {
    margin: 0;
    color: var(--color-gray-700);
    font-size: .84rem;
}

.hard-money-boundary strong {
    display: block;
    margin-bottom: 2px;
    color: var(--color-navy-950);
}

@media (max-width: 1180px) {
    .home-hard-money__layout {
        grid-template-columns: 1fr;
        min-height: 0;
    }

    .hard-money-visual {
        position: relative;
        width: calc(100% + var(--section-gutter));
        margin-left: calc(var(--section-gutter) * -1);
        min-height: 540px;
    }

    .hard-money-visual img { min-height: 540px; }

    .hard-money-visual::after {
        background:
            radial-gradient(ellipse 46% 30% at 108% 24%, #f6f8fa 0 36%, rgb(246 248 250 / 62%) 54%, transparent 74%),
            radial-gradient(ellipse 50% 35% at 110% 84%, #f6f8fa 0 34%, rgb(246 248 250 / 58%) 52%, transparent 73%),
            linear-gradient(103deg, transparent 54%, rgb(246 248 250 / 46%) 72%, #f6f8fa 90%),
            linear-gradient(180deg, transparent 58%, rgb(4 18 31 / 52%));
    }

    .home-hard-money__content { grid-column: 1; }

    .consultation-form__fields {
        grid-template-columns: 1fr 1fr;
    }

}

@media (max-width: 700px) {
    .hard-money-visual,
    .hard-money-visual img {
        min-height: 420px;
    }

    .hard-money-visual > span {
        right: 18px;
        bottom: 18px;
        left: 18px;
        justify-content: center;
    }

    .funding-scenarios,
    .consultation-form__fields {
        grid-template-columns: 1fr;
    }

    .funding-scenarios article {
        min-height: 0;
    }

    .home-hard-money__actions {
        align-items: stretch;
        flex-direction: column;
        gap: 16px;
    }

    .home-hard-money__actions .text-link {
        align-self: flex-start;
    }

    .consultation-form__heading {
        align-items: flex-start;
        flex-direction: column;
        gap: 4px;
    }

    .hard-money-boundary {
        align-items: flex-start;
    }
}

@media (prefers-reduced-motion: reduce) {
    .funding-scenarios article {
        transition: none;
    }
}