/* ============================================
   Lending section (hard money capital desk)
   ============================================ */

/* Hero */
.hml-hero {
  min-height: 88vh;
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-light) 55%, #1a3a5c 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 9rem 2rem 5rem;
  position: relative;
  overflow: hidden;
}

.hml-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 20% 80%, rgba(201, 169, 98, 0.08) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 20%, rgba(201, 169, 98, 0.05) 0%, transparent 40%);
  pointer-events: none;
}

.hml-hero > * {
  position: relative;
  z-index: 1;
}

.hml-hero h1 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: clamp(2.75rem, 5.5vw, 4.25rem);
  font-weight: 500;
  color: var(--white);
  line-height: 1.12;
  max-width: 820px;
  margin-bottom: 1.5rem;
}

.hml-hero h1 .accent {
  color: var(--gold);
  font-style: italic;
}

.hml-hero-sub {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.8;
  max-width: 640px;
  margin-bottom: 2.5rem;
}

.hml-hero .btn-primary {
  font-size: 1rem;
  padding: 1.15rem 2.5rem;
}

.hml-hero-note {
  margin-top: 1rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.45);
}

/* Plain-talk strip */
.hml-truth {
  background: var(--navy);
  border-top: 1px solid rgba(201, 169, 98, 0.2);
  padding: 3.5rem 2rem;
}

.hml-truth-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.hml-truth-item h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.35rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.hml-truth-item p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.95rem;
  line-height: 1.7;
}

/* Loan program cards */
.hml-programs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 1100px;
  margin: 0 auto;
}

.hml-program {
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.06);
  border-top: 3px solid var(--gold);
  box-shadow: 0 12px 40px rgba(10, 22, 40, 0.05);
  padding: 2.5rem 2rem;
}

.hml-program h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.5rem;
  color: var(--navy);
  font-weight: 600;
  margin-bottom: 0.6rem;
}

.hml-program p {
  font-size: 0.95rem;
  color: var(--slate);
  line-height: 1.7;
}

/* Steps */
.hml-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 1100px;
  margin: 0 auto;
}

.hml-step {
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: 0 12px 40px rgba(10, 22, 40, 0.05);
  padding: 2.5rem 2rem;
  text-align: center;
}

.hml-step-number {
  width: 48px;
  height: 48px;
  margin: 0 auto 1.25rem;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  color: var(--navy);
  font-weight: 700;
  font-size: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: "Cormorant Garamond", Georgia, serif;
}

.hml-step h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.4rem;
  color: var(--navy);
  font-weight: 600;
  margin-bottom: 0.6rem;
}

.hml-step p {
  font-size: 0.95rem;
  color: var(--slate);
  line-height: 1.7;
}

.hml-steps-note {
  max-width: 640px;
  margin: 2rem auto 0;
  font-size: 0.85rem;
  color: var(--slate);
  text-align: center;
  line-height: 1.7;
}

/* Why CMF / candor */
.hml-split {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}

.hml-panel {
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: 0 12px 40px rgba(10, 22, 40, 0.05);
  padding: 2.75rem;
}

.hml-panel.navy {
  background: linear-gradient(150deg, var(--navy) 0%, var(--navy-light) 100%);
  border: 1px solid rgba(201, 169, 98, 0.25);
}

.hml-panel h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 1rem;
}

.hml-panel.navy h3 {
  color: var(--gold);
}

.hml-panel p {
  font-size: 1rem;
  line-height: 1.8;
  color: var(--text);
  margin-bottom: 1rem;
}

.hml-panel.navy p {
  color: rgba(255, 255, 255, 0.75);
}

.hml-panel p:last-child {
  margin-bottom: 0;
}

.hml-panel ul {
  list-style: none;
  margin: 0 0 1rem;
}

.hml-panel ul li {
  padding: 0.4rem 0 0.4rem 1.75rem;
  position: relative;
  font-size: 0.98rem;
  color: var(--text);
}

.hml-panel ul li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold-dark);
  font-weight: 700;
}

.hml-panel a {
  color: inherit;
}

/* Inquiry form */
.hml-inquiry {
  background: linear-gradient(165deg, var(--navy) 0%, var(--navy-light) 60%, #1a3a5c 100%);
  padding: 6rem 2rem;
}

.hml-inquiry .section-header h2 {
  color: var(--white);
}

.hml-inquiry-sub {
  text-align: center;
  color: rgba(255, 255, 255, 0.65);
  max-width: 560px;
  margin: -1.5rem auto 2.5rem;
  font-size: 1rem;
  line-height: 1.7;
}

.hml-form-card {
  max-width: 640px;
  margin: 0 auto;
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 2.5rem;
  position: relative;
}

.hml-form-card::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 2rem;
  right: 2rem;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.hml-form-card label {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0.4rem;
}

.hml-form-card .hml-field {
  margin-bottom: 1.1rem;
}

.hml-form-card input,
.hml-form-card select,
.hml-form-card textarea {
  width: 100%;
  padding: 0.9rem 1rem;
  border: 1.5px solid rgba(255, 255, 255, 0.15);
  background: rgba(255, 255, 255, 0.05);
  color: var(--white);
  font-family: inherit;
  font-size: 16px;
  transition: border-color 0.3s ease;
}

.hml-form-card textarea {
  min-height: 110px;
  resize: vertical;
}

.hml-form-card input::placeholder,
.hml-form-card textarea::placeholder {
  color: rgba(255, 255, 255, 0.35);
}

.hml-form-card select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23c9a962' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  cursor: pointer;
}

.hml-form-card select option {
  background: var(--navy);
  color: var(--white);
}

.hml-form-card input:focus,
.hml-form-card select:focus,
.hml-form-card textarea:focus {
  outline: none;
  border-color: var(--gold);
}

.hml-form-card .btn-primary {
  width: 100%;
  text-align: center;
  font-size: 1rem;
  padding: 1.1rem;
  margin-top: 0.5rem;
}

.hml-form-card .btn-primary:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
  box-shadow: none;
}

.hml-form-error {
  margin-top: 0.9rem;
  padding: 0.75rem 1rem;
  background: rgba(248, 113, 113, 0.12);
  border: 1px solid rgba(248, 113, 113, 0.4);
  color: #fca5a5;
  font-size: 0.9rem;
  text-align: center;
}

.hml-form-privacy {
  margin-top: 0.9rem;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.4);
  text-align: center;
  line-height: 1.6;
}

/* Confirmation state */
.hml-confirm {
  text-align: center;
  padding: 1.5rem 0;
}

.hml-confirm-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.5rem;
  border-radius: 50%;
  background: rgba(201, 169, 98, 0.15);
  border: 1.5px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.75rem;
}

.hml-confirm h3 {
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.75rem;
  color: var(--white);
  font-weight: 600;
  margin-bottom: 0.75rem;
}

.hml-confirm p {
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.8;
  max-width: 440px;
  margin: 0 auto;
}

/* Disclosures */
.hml-disclosures {
  max-width: 900px;
  margin: 0 auto;
  padding: 3.5rem 2rem;
}

.hml-disclosures h4 {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.hml-disclosures p {
  font-size: 0.8rem;
  color: var(--slate);
  line-height: 1.7;
  margin-bottom: 0.75rem;
}

/* Responsive */
@media (max-width: 900px) {
  .hml-truth-grid,
  .hml-programs,
  .hml-steps,
  .hml-split {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
}

@media (max-width: 768px) {
  .hml-hero {
    min-height: 78vh;
    padding: 7.5rem 1.5rem 4rem;
  }

  .hml-panel {
    padding: 1.75rem;
  }

  .hml-form-card {
    padding: 1.5rem;
  }

  .hml-inquiry {
    padding: 4rem 1.25rem;
  }
}