/* ══════════════════════════════
   HOME INSURANCE — HERO
══════════════════════════════ */
.hmi-hero {
  position: relative; padding: 30px 0 100px;
  overflow: hidden; background: var(--bg);
  font-family: 'Zen Maru Gothic', sans-serif;
}
.hmi-hero__bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; }
.hmi-hero__blob {
  position: absolute; border-radius: 50%;
  filter: blur(100px); animation: hmiBlob 16s ease-in-out infinite;
}
.hmi-hero__blob--1 { width: 520px; height: 520px; background: #4ADE80; opacity: .07; top: -120px; left: -80px; }
.hmi-hero__blob--2 { width: 400px; height: 400px; background: var(--p1); opacity: .07; bottom: -80px; right: 5%; animation-delay: -8s; }
.hmi-hero__blob--3 { width: 300px; height: 300px; background: var(--gold); opacity: .05; top: 40%; right: -60px; animation-delay: -4s; }
@keyframes hmiBlob { 0%,100% { transform: scale(1) translate(0,0); } 50% { transform: scale(1.1) translate(15px,-20px); } }
.hmi-hero__grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(74,222,128,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(74,222,128,.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 40%, black 20%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 80% at 50% 40%, black 20%, transparent 100%);
}
.hmi-hero__diag { position: absolute; top: 0; right: 0; width: 55%; height: 100%; background: linear-gradient(135deg, transparent 40%, rgba(74,222,128,.03) 100%); }
.hmi-hero__inner {
  position: relative; z-index: 1; max-width: 1280px; margin: 0 auto; padding: 0 48px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}
.hmi-hero__breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--lo); margin-bottom: 24px; flex-wrap: wrap; }
.hmi-hero__breadcrumb a { color: var(--mid); text-decoration: none; transition: color .2s; }
.hmi-hero__breadcrumb a:hover { color: #4ADE80; }
.hmi-hero__breadcrumb i { font-size: 9px; }
.hmi-hero__breadcrumb span { color: #4ADE80; font-weight: 600; }
.hmi-hero__badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 16px; border-radius: 100px;
  background: rgba(74,222,128,.08); border: 1px solid rgba(74,222,128,.25);
  font-size: 12px; font-weight: 700; color: #4ADE80; letter-spacing: .08em; margin-bottom: 24px;
}
.hmi-hero__badge-dot { width: 7px; height: 7px; border-radius: 50%; background: #4ADE80; box-shadow: 0 0 8px #4ADE80; animation: pulse 2s ease-in-out infinite; }
.hmi-hero__heading { font-size: clamp(36px, 4.5vw, 62px); font-weight: 900; line-height: 1.1; letter-spacing: -.025em; color: var(--hi); margin-bottom: 20px; }
.hmi-hero__heading em { font-style: italic; background: linear-gradient(120deg, #4ADE80 0%, var(--p2) 60%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.line-green { color: #4ADE80; -webkit-text-fill-color: #4ADE80; }
.hmi-hero__sub { font-size: 15.5px; color: var(--mid); line-height: 1.8; margin-bottom: 28px; }
.hmi-hero__sub strong { color: var(--hi); }
.hmi-hero__chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.hmi-hero__chip { display: inline-flex; align-items: center; gap: 7px; padding: 8px 14px; border-radius: 8px; background: rgba(255,255,255,.04); border: 1px solid var(--bdr); font-size: 12.5px; font-weight: 600; color: var(--mid); transition: all .2s; }
.hmi-hero__chip:hover { border-color: rgba(74,222,128,.3); color: var(--hi); }
.hmi-hero__chip.green { background: rgba(74,222,128,.08); border-color: rgba(74,222,128,.22); color: #4ADE80; }
.hmi-hero__chip.gold  { background: rgba(200,168,75,.08); border-color: rgba(200,168,75,.22); color: var(--gold2); }
.hmi-hero__chip i { font-size: 11px; }
.hmi-hero__cta-row { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; margin-bottom: 32px; }
.hmi-hero__btn-primary {
  display: inline-flex; align-items: center; gap: 9px; padding: 14px 28px; border-radius: 10px;
  background: linear-gradient(135deg, #4ADE80, #22c55e); color: #0a1a0a;
  font-family: 'Zen Maru Gothic', sans-serif; font-size: 14px; font-weight: 700; text-decoration: none;
  box-shadow: 0 6px 28px rgba(74,222,128,.35); transition: all .25s; position: relative; overflow: hidden;
}
.hmi-hero__btn-primary::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(255,255,255,.15), transparent); }
.hmi-hero__btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 36px rgba(74,222,128,.5); }
.hmi-hero__btn-secondary { display: inline-flex; align-items: center; gap: 9px; padding: 14px 24px; border-radius: 10px; background: transparent; border: 1px solid rgba(200,168,75,.35); color: var(--gold2); font-family: 'Zen Maru Gothic', sans-serif; font-size: 14px; font-weight: 700; text-decoration: none; transition: all .25s; }
.hmi-hero__btn-secondary:hover { background: rgba(200,168,75,.08); border-color: rgba(200,168,75,.6); transform: translateY(-2px); }
.hmi-hero__proof { display: flex; align-items: center; gap: 14px; }
.hmi-hero__avatars { display: flex; }
.hmi-hero__av { width: 34px; height: 34px; border-radius: 50%; border: 2px solid var(--bg); background: linear-gradient(135deg, #4ADE80, var(--p1)); display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 700; color: #fff; margin-left: -8px; }
.hmi-hero__av:first-child { margin-left: 0; }
.hmi-hero__proof-val { font-size: 13px; font-weight: 700; color: var(--hi); }
.hmi-hero__proof-lbl { font-size: 11px; color: var(--lo); }
.hmi-hero__proof-txt { display: flex; flex-direction: column; gap: 2px; }
.hmi-hero__right { position: relative; }
.hmi-hero__glow { position: absolute; width: 400px; height: 400px; border-radius: 50%; background: #4ADE80; filter: blur(120px); opacity: .06; top: 50%; left: 50%; transform: translate(-50%,-50%); pointer-events: none; }
.hmi-hero__float { position: absolute; display: flex; align-items: center; gap: 11px; padding: 12px 18px; background: linear-gradient(135deg, rgba(13,8,37,.97), rgba(7,3,26,.99)); border: 1px solid var(--bdrhi); border-radius: 14px; box-shadow: 0 16px 40px rgba(0,0,0,.5); z-index: 2; animation: floatBob 4s ease-in-out infinite; }
.hmi-hero__float--tl { top: -18px; left: -18px; animation-delay: 0s; }
.hmi-hero__float--br { bottom: -18px; right: -18px; animation-delay: -2s; }
.hmi-hero__float-ico { width: 34px; height: 34px; border-radius: 9px; display: flex; align-items: center; justify-content: center; font-size: 13px; }
.hmi-hero__float-ico.green { background: rgba(74,222,128,.15); color: #4ADE80; }
.hmi-hero__float-ico.gold  { background: rgba(200,168,75,.15); color: var(--gold2); }
.hmi-hero__float-val { font-size: 13px; font-weight: 700; color: var(--hi); }
.hmi-hero__float-lbl { font-size: 10px; color: var(--lo); letter-spacing: .04em; }
.hmi-hero__card { border-radius: 22px; border: 1px solid var(--bdrhi); background: linear-gradient(150deg, rgba(13,8,37,.96), rgba(7,3,26,.98)); overflow: hidden; padding: 28px; box-shadow: 0 40px 80px rgba(0,0,0,.5); }
.hmi-hero__card-head { display: flex; align-items: center; gap: 14px; margin-bottom: 24px; }
.hmi-hero__card-icon { width: 50px; height: 50px; border-radius: 14px; flex-shrink: 0; background: linear-gradient(135deg, #4ADE80, #22c55e); display: flex; align-items: center; justify-content: center; font-size: 20px; color: #0a1a0a; box-shadow: 0 6px 20px rgba(74,222,128,.35); }
.hmi-hero__card-title { font-size: 17px; font-weight: 700; color: var(--hi); }
.hmi-hero__card-sub { font-size: 12px; color: var(--lo); }
.hmi-hero__coverage { margin-bottom: 22px; }
.hmi-hero__coverage-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.hmi-hero__coverage-lbl { font-size: 12px; color: var(--mid); }
.hmi-hero__coverage-val { font-size: 14px; font-weight: 700; color: #4ADE80; }
.hmi-hero__bar-track { height: 5px; border-radius: 10px; background: rgba(255,255,255,.07); }
.hmi-hero__bar-fill { height: 100%; width: 65%; border-radius: 10px; background: linear-gradient(90deg, #4ADE80, var(--p2)); }
.hmi-hero__features { display: flex; flex-direction: column; gap: 14px; margin-bottom: 22px; }
.hmi-hero__feat-row { display: flex; align-items: center; gap: 12px; }
.hmi-hero__feat-ico { width: 36px; height: 36px; border-radius: 10px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 14px; }
.hmi-hero__feat-ico.green  { background: rgba(74,222,128,.12); color: #4ADE80; }
.hmi-hero__feat-ico.purple { background: rgba(124,79,255,.12); color: var(--p2); }
.hmi-hero__feat-ico.gold   { background: rgba(200,168,75,.12); color: var(--gold2); }
.hmi-hero__feat-ico.blue   { background: rgba(56,189,248,.12); color: #38BDF8; }
.hmi-hero__feat-name { font-size: 13.5px; font-weight: 600; color: var(--hi); }
.hmi-hero__feat-desc { font-size: 11.5px; color: var(--lo); }
.hmi-hero__feat-check { color: #4ADE80; font-size: 16px; margin-left: auto; flex-shrink: 0; }
.hmi-hero__card-cta { display: flex; gap: 10px; border-top: 1px solid var(--bdr); padding-top: 18px; }
.hmi-hero__card-btn { flex: 1; padding: 11px; border-radius: 9px; background: linear-gradient(135deg, #4ADE80, #22c55e); color: #0a1a0a; border: none; font-family: 'Zen Maru Gothic', sans-serif; font-size: 13px; font-weight: 700; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 7px; transition: all .2s; }
.hmi-hero__card-btn:hover { transform: translateY(-1px); }
.hmi-hero__card-outline { padding: 11px 18px; border-radius: 9px; background: transparent; border: 1px solid var(--bdr); color: var(--mid); font-family: 'Zen Maru Gothic', sans-serif; font-size: 13px; font-weight: 600; cursor: pointer; display: flex; align-items: center; gap: 7px; transition: all .2s; }
.hmi-hero__card-outline:hover { border-color: rgba(74,222,128,.35); color: #4ADE80; }

/* ── HOME INS SECTION 1-4 (reuse motor pattern with green accent) ── */
.home-ins-section1,.home-ins-section2,.home-ins-section3,.home-ins-section4 {
  position: relative; overflow: hidden;
  font-family: 'Zen Maru Gothic', sans-serif;
}
.home-ins-section1,.home-ins-section3 { padding: 30px 0 110px; background: var(--bg2); }
.home-ins-section2,.home-ins-section4 { padding: 30px 0 110px; background: var(--bg); }

.home-ins-section1__bg,.home-ins-section2__bg,
.home-ins-section3__bg,.home-ins-section4__bg { position: absolute; inset: 0; pointer-events: none; z-index: 0; }

.home-ins-section1__blob,.home-ins-section2__blob,
.home-ins-section3__blob,.home-ins-section4__blob {
  position: absolute; border-radius: 50%; filter: blur(100px); opacity: .08;
  animation: hiBlob 18s ease-in-out infinite;
}
.home-ins-section1__blob--1,.home-ins-section3__blob--1 { width: 480px; height: 480px; background: #4ADE80; top: -100px; right: -80px; }
.home-ins-section1__blob--2,.home-ins-section3__blob--2 { width: 360px; height: 360px; background: var(--gold); bottom: -80px; left: 10%; opacity: .06; animation-delay: -9s; }
.home-ins-section2__blob--1,.home-ins-section4__blob--1 { width: 480px; height: 480px; background: var(--p1); top: -100px; right: -80px; }
.home-ins-section2__blob--2,.home-ins-section4__blob--2 { width: 360px; height: 360px; background: #4ADE80; bottom: -80px; left: 5%; opacity: .06; animation-delay: -9s; }
@keyframes hiBlob { 0%,100% { transform: scale(1); } 50% { transform: scale(1.1) translate(10px,-10px); } }

.home-ins-section1__grid,.home-ins-section2__grid,
.home-ins-section3__grid,.home-ins-section4__grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(74,222,128,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(74,222,128,.04) 1px, transparent 1px);
  background-size: 58px 58px;
}
.home-ins-section1__inner,.home-ins-section2__inner,
.home-ins-section3__inner,.home-ins-section4__inner { position: relative; z-index: 1; max-width: 1280px; margin: 0 auto; padding: 0 48px; }
.home-ins-section2__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }

/* Badges */
.home-ins-section1__badge,.home-ins-section2__badge,
.home-ins-section3__badge,.home-ins-section4__badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 18px; border-radius: 100px;
  background: rgba(74,222,128,.08); border: 1px solid rgba(74,222,128,.25);
  font-size: 12px; font-weight: 700; color: #4ADE80; letter-spacing: .08em; margin-bottom: 18px;
}

/* Titles */
.home-ins-section1__title,.home-ins-section3__title,.home-ins-section4__title {
  font-size: clamp(30px,4vw,50px); font-weight: 900; line-height: 1.12; letter-spacing: -.02em; color: var(--hi); margin-bottom: 16px;
}
.home-ins-section2__title { font-size: clamp(28px,3.5vw,44px); font-weight: 900; line-height: 1.15; letter-spacing: -.02em; color: var(--hi); margin-bottom: 18px; }
.home-ins-section1__title span,.home-ins-section2__title span,
.home-ins-section3__title span,.home-ins-section4__title span {
  background: linear-gradient(120deg, #4ADE80, var(--p2)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.home-ins-section1__sub,.home-ins-section2__sub,
.home-ins-section3__sub,.home-ins-section4__sub { font-size: 15px; color: var(--mid); line-height: 1.75; max-width: 560px; }
.home-ins-section1__sub,.home-ins-section3__sub,.home-ins-section4__sub { margin: 0 auto; }
.home-ins-section1__head,.home-ins-section3__head,.home-ins-section4__head { text-align: center; margin-bottom: 56px; }
.home-ins-section2__sub { margin-bottom: 32px; }

/* Cards grid (section 1) */
.home-ins-section1__gridcards { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.home-ins-section1__card { padding: 28px 24px; background: linear-gradient(145deg, rgba(13,8,37,.92), rgba(7,3,26,.97)); border: 1px solid var(--bdr); border-radius: 18px; display: flex; flex-direction: column; gap: 14px; transition: border-color .25s, transform .25s; }
.home-ins-section1__card:hover { border-color: rgba(74,222,128,.35); transform: translateY(-5px); }
.home-ins-section1__icon { width: 52px; height: 52px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.home-ins-section1__icon.green  { background: rgba(74,222,128,.12); color: #4ADE80; }
.home-ins-section1__icon.blue   { background: rgba(56,189,248,.12); color: #38BDF8; }
.home-ins-section1__icon.gold   { background: rgba(200,168,75,.12); color: var(--gold2); }
.home-ins-section1__icon.purple { background: rgba(124,79,255,.12); color: var(--p2); }
.home-ins-section1__card-title { font-size: 16px; font-weight: 700; color: var(--hi); }
.home-ins-section1__card-text  { font-size: 13px; color: var(--mid); line-height: 1.7; }

/* Section 2 points */
.home-ins-section2__points { display: flex; flex-direction: column; gap: 20px; }
.home-ins-section2__point { display: flex; align-items: flex-start; gap: 16px; }
.home-ins-section2__point-icon { width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 17px; }
.home-ins-section2__point-icon.green { background: rgba(74,222,128,.12); color: #4ADE80; }
.home-ins-section2__point-icon.gold  { background: rgba(200,168,75,.12); color: var(--gold2); }
.home-ins-section2__point-icon.blue  { background: rgba(56,189,248,.12); color: #38BDF8; }
.home-ins-section2__point h4 { font-size: 15px; font-weight: 700; color: var(--hi); margin-bottom: 5px; }
.home-ins-section2__point p  { font-size: 13px; color: var(--mid); line-height: 1.65; }

/* Panel (section 2) */
.home-ins-section2__panel { border-radius: 20px; border: 1px solid var(--bdrhi); background: linear-gradient(150deg, rgba(13,8,37,.96), rgba(7,3,26,.98)); overflow: hidden; padding: 28px; box-shadow: 0 32px 64px rgba(0,0,0,.45); }
.home-ins-section2__panel-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 24px; }
.home-ins-section2__mini { font-size: 10px; font-weight: 700; color: #4ADE80; letter-spacing: .1em; text-transform: uppercase; display: block; margin-bottom: 4px; }
.home-ins-section2__panel-head h3 { font-size: 18px; font-weight: 700; color: var(--hi); }
.home-ins-section2__status { display: flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 600; color: #4ADE80; padding: 6px 12px; border-radius: 20px; background: rgba(74,222,128,.08); border: 1px solid rgba(74,222,128,.2); }
.home-ins-section2__status .dot { width: 6px; height: 6px; border-radius: 50%; background: #4ADE80; }
.home-ins-section2__list { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.home-ins-section2__item { display: flex; align-items: center; justify-content: space-between; gap: 14px; padding: 14px; background: rgba(255,255,255,.03); border: 1px solid var(--bdr); border-radius: 12px; }
.home-ins-section2__item-left { display: flex; align-items: center; gap: 12px; flex: 1; }
.home-ins-section2__item-icon { width: 38px; height: 38px; border-radius: 10px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: 14px; }
.home-ins-section2__item-icon.green  { background: rgba(74,222,128,.12); color: #4ADE80; }
.home-ins-section2__item-icon.purple { background: rgba(124,79,255,.12); color: var(--p2); }
.home-ins-section2__item-icon.gold   { background: rgba(200,168,75,.12); color: var(--gold2); }
.home-ins-section2__item-icon.blue   { background: rgba(56,189,248,.12); color: #38BDF8; }
.home-ins-section2__item-title { font-size: 13.5px; font-weight: 600; color: var(--hi); margin-bottom: 3px; }
.home-ins-section2__item-text  { font-size: 12px; color: var(--lo); line-height: 1.5; }
.home-ins-section2__check { color: #4ADE80; font-size: 18px; flex-shrink: 0; }
.home-ins-section2__panel-bottom { display: flex; gap: 12px; padding-top: 20px; border-top: 1px solid var(--bdr); }
.home-ins-section2__btn-primary { flex: 1; padding: 12px; border-radius: 9px; background: linear-gradient(135deg, #4ADE80, #22c55e); color: #0a1a0a; font-family: 'Zen Maru Gothic', sans-serif; font-size: 13px; font-weight: 700; text-decoration: none; display: flex; align-items: center; justify-content: center; gap: 8px; transition: all .25s; }
.home-ins-section2__btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(74,222,128,.35); }
.home-ins-section2__btn-secondary { padding: 12px 18px; border-radius: 9px; background: transparent; border: 1px solid rgba(200,168,75,.3); color: var(--gold2); font-family: 'Zen Maru Gothic', sans-serif; font-size: 13px; font-weight: 700; text-decoration: none; display: flex; align-items: center; gap: 8px; transition: all .25s; }
.home-ins-section2__btn-secondary:hover { background: rgba(200,168,75,.08); transform: translateY(-2px); }

/* Section 3 — Plan cards */
.home-ins-section3__cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.home-ins-section3__card { position: relative; border-radius: 20px; border: 1px solid var(--bdr); background: linear-gradient(150deg, rgba(13,8,37,.92), rgba(7,3,26,.97)); padding: 30px 26px; display: flex; flex-direction: column; gap: 16px; overflow: hidden; transition: border-color .25s, transform .25s, box-shadow .25s; }
.home-ins-section3__card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, #4ADE80, transparent); opacity: 0; transition: opacity .3s; }
.home-ins-section3__card:hover { border-color: rgba(74,222,128,.38); transform: translateY(-6px); box-shadow: 0 24px 50px rgba(0,0,0,.4); }
.home-ins-section3__card:hover::before { opacity: 1; }
.home-ins-section3__card--featured { border-color: rgba(74,222,128,.3); background: linear-gradient(150deg, rgba(74,222,128,.07), rgba(7,3,26,.97)); }
.home-ins-section3__ribbon { position: absolute; top: 18px; right: -8px; background: linear-gradient(135deg, #4ADE80, #22c55e); color: #0a1a0a; font-size: 10px; font-weight: 700; padding: 5px 16px 5px 12px; letter-spacing: .06em; clip-path: polygon(0 0,100% 0,100% 100%,0 100%,8px 50%); }
.home-ins-section3__top { display: flex; align-items: center; justify-content: space-between; }
.home-ins-section3__icon { width: 52px; height: 52px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.home-ins-section3__icon.purple { background: rgba(124,79,255,.14); color: var(--p2); }
.home-ins-section3__icon.green  { background: rgba(74,222,128,.14); color: #4ADE80; }
.home-ins-section3__icon.gold   { background: rgba(200,168,75,.13); color: var(--gold2); }
.home-ins-section3__tag { font-size: 10px; font-weight: 700; color: var(--lo); letter-spacing: .06em; text-align: right; max-width: 120px; }
.home-ins-section3__card-title { font-size: 20px; font-weight: 700; color: var(--hi); }
.home-ins-section3__card-text  { font-size: 13px; color: var(--mid); line-height: 1.7; }
.home-ins-section3__pricebox { display: flex; flex-direction: column; gap: 2px; }
.home-ins-section3__price-label { font-size: 11px; color: var(--lo); }
.home-ins-section3__price { font-size: 28px; font-weight: 900; color: #4ADE80; line-height: 1; }
.home-ins-section3__price span { font-size: 14px; font-weight: 400; color: var(--lo); }
.home-ins-section3__features { display: flex; flex-direction: column; gap: 9px; flex: 1; }
.home-ins-section3__feature { display: flex; align-items: center; gap: 9px; font-size: 13px; color: var(--mid); }
.home-ins-section3__feature i { color: #4ADE80; font-size: 13px; }
.home-ins-section3__btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px; border-radius: 9px; width: 100%; background: rgba(74,222,128,.1); border: 1px solid rgba(74,222,128,.28); color: #4ADE80; font-family: 'Zen Maru Gothic', sans-serif; font-size: 13.5px; font-weight: 700; text-decoration: none; transition: all .25s; }
.home-ins-section3__btn:hover { background: rgba(74,222,128,.18); border-color: rgba(74,222,128,.5); transform: translateY(-2px); }

/* Section 4 — Timeline */
.home-ins-section4__timeline { position: relative; display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; margin-bottom: 56px; }
.home-ins-section4__line { position: absolute; top: 36px; left: 12%; right: 12%; height: 1px; background: linear-gradient(90deg, transparent, rgba(74,222,128,.35) 20%, rgba(74,222,128,.35) 80%, transparent); z-index: 0; }
.home-ins-section4__step { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: center; gap: 20px; }
.home-ins-section4__num { width: 52px; height: 52px; border-radius: 50%; flex-shrink: 0; background: linear-gradient(135deg, rgba(13,8,37,.98), rgba(7,3,26,.99)); border: 2px solid rgba(74,222,128,.4); display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 900; color: #4ADE80; box-shadow: 0 0 20px rgba(74,222,128,.2); }
.home-ins-section4__card { background: linear-gradient(145deg, rgba(13,8,37,.92), rgba(7,3,26,.97)); border: 1px solid var(--bdr); border-radius: 16px; padding: 24px 20px; display: flex; flex-direction: column; gap: 12px; width: 100%; transition: border-color .25s, transform .25s; }
.home-ins-section4__card:hover { border-color: rgba(74,222,128,.35); transform: translateY(-4px); }
.home-ins-section4__icon { width: 46px; height: 46px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 18px; }
.home-ins-section4__icon.purple { background: rgba(124,79,255,.14); color: var(--p2); }
.home-ins-section4__icon.green  { background: rgba(74,222,128,.12); color: #4ADE80; }
.home-ins-section4__icon.gold   { background: rgba(200,168,75,.12); color: var(--gold2); }
.home-ins-section4__icon.blue   { background: rgba(56,189,248,.12); color: #38BDF8; }
.home-ins-section4__card-title { font-size: 15px; font-weight: 700; color: var(--hi); }
.home-ins-section4__card-text  { font-size: 12.5px; color: var(--mid); line-height: 1.65; }
.home-ins-section4__bottom { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; }
.home-ins-section4__btn-primary { display: inline-flex; align-items: center; gap: 9px; padding: 14px 32px; border-radius: 10px; background: linear-gradient(135deg, #4ADE80, #22c55e); color: #0a1a0a; font-family: 'Zen Maru Gothic', sans-serif; font-size: 14px; font-weight: 700; text-decoration: none; box-shadow: 0 6px 28px rgba(74,222,128,.35); transition: all .25s; }
.home-ins-section4__btn-primary:hover { transform: translateY(-2px); box-shadow: 0 12px 36px rgba(74,222,128,.5); }
.home-ins-section4__btn-secondary { display: inline-flex; align-items: center; gap: 9px; padding: 14px 28px; border-radius: 10px; background: transparent; border: 1px solid rgba(200,168,75,.35); color: var(--gold2); font-family: 'Zen Maru Gothic', sans-serif; font-size: 14px; font-weight: 700; text-decoration: none; transition: all .25s; }
.home-ins-section4__btn-secondary:hover { background: rgba(200,168,75,.08); transform: translateY(-2px); }

/* RESPONSIVE — Home Insurance */
@media (max-width: 1024px) {
  .hmi-hero__inner,.home-ins-section2__inner {  gap: 48px; padding: 0 28px; }
  .home-ins-section1__gridcards { grid-template-columns: repeat(2,1fr); }
  .home-ins-section3__cards {  margin: 0 auto; }
  .home-ins-section4__timeline { grid-template-columns: repeat(2,1fr); }
  .home-ins-section4__line { display: none; }
  .home-ins-section1__inner,.home-ins-section3__inner,.home-ins-section4__inner { padding: 0 28px; }
}
@media (max-width: 640px) {
  .hmi-hero { padding: 30px 0 72px; }
  .hmi-hero__inner,.home-ins-section1__inner,.home-ins-section2__inner,
  .home-ins-section3__inner,.home-ins-section4__inner { padding: 0 20px; grid-template-columns: 1fr; }
  .home-ins-section1__gridcards { grid-template-columns: 1fr; }
  .home-ins-section3__cards { max-width: 100%; grid-template-columns: 1fr; }
  .home-ins-section4__timeline { grid-template-columns: 1fr; }
  .hmi-hero__float { display: none; }
}