/* Home page sections below the hero (hm-*). Uses the --as-* tokens from artha-services.css. */
.hm-sec {
  padding: clamp(56px, 6.5vw, 110px) 0;
}
.hm-sec .as-title em {
  font-style: normal;
  color: var(--as-navy);
  background: linear-gradient(transparent 62%, rgba(255, 184, 0, 0.45) 62%);
}
.hm-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px 48px;
  margin-bottom: clamp(28px, 3.4vw, 52px);
}
.hm-head > p {
  max-width: 480px;
  margin: 0;
  color: var(--as-muted);
  line-height: 1.7;
}
.hm-head.is-center {
  justify-content: center;
  text-align: center;
}
.hm-head.is-center .as-eyebrow {
  justify-content: center;
}

/* ---------- NAV ticker ---------- */
.hm-ticker {
  position: relative;
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: center;
  margin-top: clamp(24px, 3vw, 40px);
  background: #000;
  color: #fff;
  overflow: hidden;
}
.hm-ticker-label {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 2px;
  align-self: stretch;
  align-content: center;
  padding: 0 clamp(16px, 2vw, 30px);
  background: #000;
  box-shadow: 24px 0 24px -6px #000;
}
.hm-ticker-label b {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.01em;
  color: var(--as-accent);
  white-space: nowrap;
}
.hm-ticker-label small {
  font-size: 12px;
  color: #B8C2D0;
  white-space: nowrap;
}
.hm-ticker-dot {
  position: absolute;
  left: clamp(4px, 0.8vw, 14px);
  top: 50%;
  width: 6px;
  height: 6px;
  margin-top: -3px;
  border-radius: 50%;
  background: #2ECC71;
  animation: hm-blink 1.6s ease-in-out infinite;
}
@keyframes hm-blink {
  50% {
    opacity: 0.25;
  }
}
.hm-ticker-rows {
  display: grid;
}
.hm-ticker-row {
  display: flex;
  width: max-content;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  animation: hm-marquee 60s linear infinite;
}
.hm-ticker-row.is-reverse {
  border-bottom: 0;
  animation-direction: reverse;
  animation-duration: 54s;
}
.hm-ticker:hover .hm-ticker-row {
  animation-play-state: paused;
}
@keyframes hm-marquee {
  to {
    transform: translateX(-50%);
  }
}
.hm-ticker-row ul {
  display: flex;
  margin: 0;
  padding: 0;
  list-style: none;
}
.hm-ticker-row li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 26px;
  border-right: 1px solid rgba(255, 255, 255, 0.1);
  white-space: nowrap;
  font-size: 14px;
}
.hm-ticker-row li b {
  font-weight: 600;
  color: #fff;
}
.hm-ticker-cat {
  padding: 2px 8px;
  border-radius: 6px;
  background: rgba(255, 184, 0, 0.14);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--as-accent);
}
.hm-ticker-nav {
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  color: #E6EBF2;
}
.hm-ticker-note {
  grid-column: 1 / -1;
  margin: 0;
  padding: 7px clamp(16px, 2vw, 30px);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 12px;
  color: #98A2B3;
  text-align: center;
}

/* ---------- services bento ---------- */
.hm-bento {
  display: grid;
  grid-template-columns: repeat(12, minmax(0, 1fr));
  gap: clamp(14px, 1.4vw, 22px);
}
.hm-card {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 300px;
  padding: clamp(24px, 2.4vw, 38px);
  border-radius: 26px;
  border: 1px solid var(--as-line);
  background: #fff;
  color: var(--as-ink);
  overflow: hidden;
  isolation: isolate;
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease, opacity 0.8s ease;
}
.hm-card:hover {
  transform: translateY(-6px);
  border-color: var(--as-accent);
  box-shadow: 0 30px 60px -36px rgba(11, 37, 69, 0.55);
  color: var(--as-ink);
}
.hm-card-mf {
  grid-column: span 7;
  min-height: 380px;
  background: var(--as-navy);
  border-color: var(--as-navy);
  color: #fff;
}
.hm-card-mf:hover {
  color: #fff;
}
.hm-card-sip {
  grid-column: span 5;
  background: var(--as-tint);
}
.hm-card-life {
  grid-column: span 5;
}
.hm-card-health {
  grid-column: span 7;
  background: #FFF8E6;
  border-color: #F6E7BC;
}
.hm-card-photo {
  position: absolute;
  inset: 0 0 0 auto;
  z-index: -1;
  width: 55%;
  height: 100%;
  object-fit: cover;
  opacity: 0.55;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 55%);
  mask-image: linear-gradient(90deg, transparent, #000 55%);
  transition: transform 0.8s ease;
}
.hm-card-mf:hover .hm-card-photo {
  transform: scale(1.05);
}
.hm-card-tag {
  padding: 4px 10px;
  border-radius: 999px;
  background: rgba(11, 37, 69, 0.08);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--as-navy);
}
.hm-card-mf .hm-card-tag {
  background: var(--as-accent);
}
.hm-card h3 {
  margin: 16px 0 10px;
  font-size: clamp(24px, 2vw, 34px);
  font-weight: 700;
  letter-spacing: -0.01em;
  color: inherit;
}
.hm-card p {
  max-width: 420px;
  margin: 0 0 20px;
  line-height: 1.65;
  color: var(--as-muted);
}
.hm-card-mf p {
  color: rgba(255, 255, 255, 0.82);
}
.hm-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
}
.hm-chips span {
  padding: 6px 14px;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.3);
  font-size: 13.5px;
  font-weight: 600;
}
.hm-card-go {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  font-size: 15px;
  font-weight: 700;
  color: var(--as-navy);
}
.hm-card-mf .hm-card-go {
  color: var(--as-accent);
}
.hm-card-go svg {
  transition: transform 0.3s ease;
}
.hm-card:hover .hm-card-go svg {
  transform: translate(3px, -3px);
}
.hm-card-icon {
  position: absolute;
  right: clamp(24px, 2.4vw, 38px);
  top: clamp(24px, 2.4vw, 38px);
  display: grid;
  place-items: center;
  width: 60px;
  height: 60px;
  border-radius: 18px;
  background: var(--as-tint);
  color: var(--as-navy);
  transition: background-color 0.3s ease, color 0.3s ease, transform 0.4s ease;
}
.hm-card-health .hm-card-icon {
  background: #fff;
}
.hm-card:hover .hm-card-icon {
  background: var(--as-navy);
  color: var(--as-accent);
  transform: rotate(-8deg);
}
/* growing bars on the SIP card */
.hm-bars {
  display: flex;
  align-items: flex-end;
  gap: 8px;
  width: 100%;
  height: 80px;
  margin-bottom: 22px;
}
.hm-bars i {
  flex: 1;
  height: var(--h);
  border-radius: 6px 6px 2px 2px;
  background: linear-gradient(180deg, var(--as-accent), #FFD466);
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform 0.6s cubic-bezier(0.34, 1.4, 0.64, 1) calc(0.3s + var(--i) * 0.08s);
}
.hm-bars i:last-child {
  background: var(--as-navy);
}
.hm-card-sip.is-in .hm-bars i {
  transform: scaleY(1);
}
/* heartbeat line on the health card */
.hm-pulse {
  width: 100%;
  height: 50px;
  margin-bottom: 20px;
}
.hm-pulse path {
  fill: none;
  stroke: var(--as-accent);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-dasharray: 420;
  stroke-dashoffset: 420;
}
.hm-card-health.is-in .hm-pulse path {
  animation: hm-pulse 2.8s ease-in-out 0.3s infinite;
}
@keyframes hm-pulse {
  60%,
  100% {
    stroke-dashoffset: 0;
  }
}

/* ---------- why Artha ---------- */
.hm-why {
  background: var(--as-tint);
}
.hm-why-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(28px, 4vw, 72px);
  align-items: center;
}
.hm-why-intro > p {
  margin: 18px 0 0;
  line-height: 1.7;
  color: var(--as-muted);
}
.hm-numbers {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: clamp(24px, 2.6vw, 40px);
}
.hm-numbers div {
  padding: 18px 16px;
  border-radius: 18px;
  background: #fff;
  border: 1px solid var(--as-line);
}
.hm-numbers b {
  display: block;
  font-size: clamp(28px, 2.4vw, 40px);
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--as-navy);
}
.hm-numbers span {
  display: block;
  margin-top: 8px;
  font-size: 13.5px;
  line-height: 1.4;
  color: var(--as-muted);
}
.hm-why-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(14px, 1.4vw, 20px);
}
.hm-why-item {
  padding: clamp(22px, 2vw, 30px);
  border-radius: 22px;
  background: #fff;
  border: 1px solid var(--as-line);
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease, opacity 0.8s ease;
}
.hm-why-item:nth-child(even) {
  transform: translateY(26px);
}
.hm-why-item:nth-child(even).is-in {
  transform: translateY(26px);
}
.hm-why-item:hover {
  border-color: var(--as-accent);
  box-shadow: 0 24px 50px -30px rgba(11, 37, 69, 0.4);
}
.hm-why-icon {
  display: inline-grid;
  place-items: center;
  width: 52px;
  height: 52px;
  margin-bottom: 18px;
  border-radius: 16px;
  background: var(--as-navy);
  color: var(--as-accent);
}
.hm-why-item h3 {
  margin: 0 0 8px;
  font-size: 18px;
  font-weight: 700;
  color: var(--as-ink);
}
.hm-why-item p {
  margin: 0;
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--as-muted);
}

/* ---------- how we work ---------- */
.hm-steps-list {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: clamp(16px, 2vw, 32px);
  margin: 0;
  padding: 0;
  list-style: none;
}
/* dashed line through the numbers */
.hm-steps-list::before {
  content: "";
  position: absolute;
  left: 12.5%;
  right: 12.5%;
  top: 34px;
  border-top: 2px dashed #C9D3E0;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 1.2s ease 0.2s;
}
.hm-steps-list.is-in::before {
  transform: scaleX(1);
}
.hm-steps-list li {
  position: relative;
  text-align: center;
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease var(--d), transform 0.6s ease var(--d);
}
.hm-steps-list.is-in li {
  opacity: 1;
  transform: none;
}
.hm-steps-num {
  position: relative;
  display: inline-grid;
  place-items: center;
  width: 70px;
  height: 70px;
  margin-bottom: 20px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--as-accent);
  box-shadow: 0 0 0 8px #fff;
  font-size: 22px;
  font-weight: 800;
  color: var(--as-navy);
  transition: background-color 0.3s ease, color 0.3s ease;
}
.hm-steps-list li:hover .hm-steps-num {
  background: var(--as-navy);
  border-color: var(--as-navy);
  color: var(--as-accent);
}
.hm-steps-list h3 {
  margin: 0 0 8px;
  font-size: 19px;
  font-weight: 700;
  color: var(--as-ink);
}
.hm-steps-list p {
  max-width: 260px;
  margin: 0 auto;
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--as-muted);
}
.hm-steps-cta {
  margin-top: clamp(32px, 3.4vw, 52px);
  text-align: center;
}

/* ---------- quick SIP estimate ---------- */
.hm-sip {
  padding-top: 0;
}
.hm-sip-box {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  border-radius: 30px;
  border: 1px solid var(--as-line);
  background: #fff;
  overflow: hidden;
  box-shadow: 0 40px 80px -60px rgba(11, 37, 69, 0.5);
}
.hm-sip-form {
  padding: clamp(26px, 3.4vw, 56px);
}
.hm-sip-form .as-title {
  margin-bottom: clamp(20px, 2.4vw, 34px);
}
.hm-range {
  display: block;
  margin-bottom: 24px;
}
.hm-range > span {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 12px;
  font-weight: 600;
  color: var(--as-ink);
}
.hm-range b {
  padding: 4px 12px;
  border-radius: 8px;
  background: var(--as-tint);
  font-variant-numeric: tabular-nums;
  color: var(--as-navy);
}
.hm-range input {
  width: 100%;
  height: 6px;
  border-radius: 6px;
  background: linear-gradient(90deg, var(--as-navy) var(--p), #E3E9F1 var(--p));
  appearance: none;
  -webkit-appearance: none;
  outline: none;
  cursor: pointer;
}
.hm-range input::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--as-accent);
  border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(11, 37, 69, 0.35);
}
.hm-range input::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--as-accent);
  border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(11, 37, 69, 0.35);
}
.hm-range input:focus-visible::-webkit-slider-thumb {
  box-shadow: 0 0 0 4px rgba(255, 184, 0, 0.4);
}
.hm-rates {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  font-weight: 600;
  color: var(--as-ink);
}
.hm-rates > div {
  display: inline-flex;
  padding: 4px;
  border-radius: 12px;
  background: var(--as-tint);
}
.hm-rates button {
  min-width: 58px;
  padding: 8px 12px;
  border: 0;
  border-radius: 9px;
  background: transparent;
  font-weight: 700;
  color: var(--as-muted);
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease;
}
.hm-rates button.is-on {
  background: var(--as-navy);
  color: #fff;
}
.hm-sip-result {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: clamp(26px, 3.4vw, 56px);
  background: var(--as-navy);
  color: #fff;
}
.hm-sip-result small {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.72);
}
.hm-sip-total {
  margin: 6px 0 22px;
  font-size: clamp(34px, 3.6vw, 60px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  color: var(--as-accent);
  overflow-wrap: anywhere;
}
.hm-sip-bar {
  width: 100%;
  height: 14px;
  border-radius: 8px;
  background: var(--as-accent);
  overflow: hidden;
}
.hm-sip-bar i {
  display: block;
  height: 100%;
  background: #fff;
  transition: width 0.4s ease;
}
.hm-sip-split {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
  margin: 14px 0 20px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.8);
}
.hm-sip-split span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.hm-sip-split b {
  color: #fff;
}
.hm-sip-split i {
  width: 10px;
  height: 10px;
  border-radius: 3px;
}
.hm-sip-split .is-invested {
  background: #fff;
}
.hm-sip-split .is-gain {
  background: var(--as-accent);
}
.hm-sip-note {
  margin: 0 0 22px;
  font-size: 12.5px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.6);
}
.hm-sip-more {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  margin-top: 22px;
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.7);
}
.hm-sip-more a {
  padding: 5px 12px;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  font-weight: 600;
  color: #fff;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}
.hm-sip-more a:hover {
  background: var(--as-accent);
  border-color: var(--as-accent);
  color: var(--as-navy);
}

/* ---------- risk profile band ---------- */
.hm-risk-wrap {
  padding-top: 0;
}
.hm-risk {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: clamp(20px, 3vw, 52px);
  padding: clamp(26px, 3vw, 48px) clamp(26px, 3.6vw, 60px);
  border-radius: 28px;
  background: linear-gradient(110deg, #FFF8E6, #FFFFFF 70%);
  border: 1px solid #F6E7BC;
}
.hm-gauge {
  width: clamp(150px, 14vw, 210px);
  overflow: visible;
}
.hm-gauge path {
  fill: none;
  stroke-width: 16;
  stroke-linecap: round;
}
.hm-gauge-track {
  stroke: #E9EEF5;
}
.hm-gauge-fill {
  stroke: var(--as-accent);
  stroke-dasharray: 100;
  stroke-dashoffset: 100;
  transition: stroke-dashoffset 1.4s ease 0.3s;
}
.hm-risk.is-in .hm-gauge-fill {
  stroke-dashoffset: 40;
}
.hm-gauge-needle {
  transform-origin: 100px 100px;
  transform: rotate(-90deg);
  transition: transform 1.4s cubic-bezier(0.34, 1.3, 0.64, 1) 0.3s;
}
.hm-risk.is-in .hm-gauge-needle {
  transform: rotate(18deg);
}
.hm-gauge line {
  stroke: var(--as-navy);
  stroke-width: 5;
  stroke-linecap: round;
}
.hm-gauge circle {
  fill: var(--as-navy);
}
.hm-gauge text {
  font-size: 12px;
  font-weight: 600;
  fill: var(--as-muted);
}
.hm-risk-txt h2 {
  margin: 10px 0 8px;
  font-size: clamp(22px, 1.9vw, 32px);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.01em;
  color: var(--as-ink);
}
.hm-risk-txt p {
  margin: 0;
  color: var(--as-muted);
}
.hm-risk .as-btn-accent:hover {
  background: var(--as-navy);
  color: #fff;
}

/* ---------- FAQ ---------- */
.hm-faq {
  background: var(--as-tint);
}
.hm-faq-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: clamp(28px, 4vw, 72px);
  align-items: start;
}
.hm-faq-side {
  position: sticky;
  top: 120px;
}
.hm-faq-side p {
  margin: 16px 0 26px;
  line-height: 1.7;
  color: var(--as-muted);
}
.hm-faq-list {
  display: grid;
  gap: 12px;
}
.hm-faq-list details {
  border-radius: 18px;
  background: #fff;
  border: 1px solid var(--as-line);
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.hm-faq-list details[open] {
  border-color: var(--as-accent);
  box-shadow: 0 20px 40px -30px rgba(11, 37, 69, 0.4);
}
.hm-faq-list summary {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 22px;
  font-size: 16.5px;
  font-weight: 700;
  line-height: 1.4;
  color: var(--as-ink);
  list-style: none;
  cursor: pointer;
}
.hm-faq-list summary::-webkit-details-marker {
  display: none;
}
.hm-faq-list summary span {
  position: relative;
  flex: none;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--as-tint);
  transition: background-color 0.25s ease, transform 0.3s ease;
}
.hm-faq-list summary span::before,
.hm-faq-list summary span::after {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  width: 12px;
  height: 2px;
  margin: -1px 0 0 -6px;
  border-radius: 2px;
  background: var(--as-navy);
}
.hm-faq-list summary span::after {
  transform: rotate(90deg);
  transition: transform 0.3s ease;
}
.hm-faq-list details[open] summary span {
  background: var(--as-accent);
}
.hm-faq-list details[open] summary span::after {
  transform: rotate(0deg);
}
.hm-faq-list details p {
  margin: 0;
  padding: 0 22px 22px;
  line-height: 1.7;
  color: var(--as-muted);
}
.hm-faq-list details p a {
  font-weight: 600;
  color: var(--as-navy);
  text-decoration: underline;
}

/* ---------- closing CTA ---------- */
.hm-cta {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px 40px;
  padding: clamp(30px, 4vw, 64px);
  border-radius: 30px;
  background: var(--as-navy);
  color: #fff;
  overflow: hidden;
  isolation: isolate;
}
.hm-cta::before {
  content: "";
  position: absolute;
  right: -80px;
  top: -120px;
  z-index: -1;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  border: 60px solid rgba(255, 184, 0, 0.12);
}
.hm-cta h2 {
  margin: 0 0 10px;
  font-size: clamp(26px, 2.4vw, 42px);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: #fff;
}
.hm-cta p {
  max-width: 560px;
  margin: 0;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.7;
}
.hm-cta-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.hm-cta .as-btn-outline:hover {
  background: #fff;
  color: var(--as-navy);
}

/* ---------- responsive ---------- */
@media (max-width: 1199px) {
  .hm-card-mf,
  .hm-card-health {
    grid-column: span 7;
  }
}
@media (max-width: 991px) {
  .hm-head {
    flex-direction: column;
    align-items: flex-start;
  }
  .hm-head.is-center {
    align-items: center;
  }
  .hm-bento {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .hm-card-mf {
    grid-column: 1 / -1;
  }
  .hm-card-sip,
  .hm-card-life {
    grid-column: span 1;
  }
  .hm-card-health {
    grid-column: 1 / -1;
  }
  .hm-why-grid,
  .hm-sip-box,
  .hm-faq-grid {
    grid-template-columns: minmax(0, 1fr);
  }
  .hm-faq-side {
    position: static;
  }
  .hm-steps-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    row-gap: 36px;
  }
  .hm-steps-list::before {
    display: none;
  }
  .hm-risk {
    grid-template-columns: auto minmax(0, 1fr);
  }
  .hm-risk .as-btn {
    grid-column: 1 / -1;
    justify-self: start;
  }
  .hm-cta {
    flex-direction: column;
    align-items: flex-start;
  }
}
@media (max-width: 767px) {
  .hm-ticker {
    grid-template-columns: minmax(0, 1fr);
  }
  .hm-ticker-label {
    grid-template-columns: auto auto auto;
    justify-content: center;
    align-items: baseline;
    gap: 10px;
    padding: 10px 16px;
    box-shadow: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }
  .hm-ticker-dot {
    position: static;
    display: inline-block;
    margin: 0;
  }
  .hm-ticker-row li {
    padding: 12px 18px;
    font-size: 13.5px;
  }
  .hm-bento {
    grid-template-columns: minmax(0, 1fr);
  }
  .hm-card,
  .hm-card-mf {
    grid-column: 1 / -1 !important;
    min-height: 0;
  }
  .hm-card-photo {
    width: 100%;
    opacity: 0.25;
    -webkit-mask-image: none;
    mask-image: none;
  }
  .hm-card-icon {
    width: 50px;
    height: 50px;
  }
  .hm-why-list {
    grid-template-columns: minmax(0, 1fr);
  }
  .hm-why-item:nth-child(even),
  .hm-why-item:nth-child(even).is-in {
    transform: none;
  }
  .hm-steps-list {
    grid-template-columns: minmax(0, 1fr);
    max-width: 420px;
    margin: 0 auto;
  }
  .hm-steps-list li {
    display: grid;
    grid-template-columns: 56px minmax(0, 1fr);
    column-gap: 16px;
    text-align: left;
  }
  .hm-steps-num {
    grid-row: span 2;
    width: 56px;
    height: 56px;
    margin: 0;
    font-size: 18px;
    box-shadow: none;
  }
  .hm-steps-list p {
    margin: 0;
  }
  .hm-risk {
    grid-template-columns: minmax(0, 1fr);
    justify-items: start;
  }
  .hm-gauge {
    width: 150px;
  }
}
@media (max-width: 479px) {
  .hm-numbers {
    grid-template-columns: minmax(0, 1fr);
  }
  .hm-numbers div {
    display: flex;
    align-items: center;
    gap: 14px;
  }
  .hm-numbers span {
    margin: 0;
  }
  .hm-rates {
    flex-direction: column;
    align-items: flex-start;
  }
  .hm-cta-btns,
  .hm-cta-btns .as-btn {
    width: 100%;
  }
  .hm-steps-cta .as-btn,
  .hm-risk .as-btn,
  .hm-faq-side .as-btn,
  .hm-sip-result .as-btn {
    width: 100%;
    white-space: normal;
    text-align: center;
  }
}
@media (prefers-reduced-motion: reduce) {
  .hm-ticker-row {
    animation-duration: 240s;
  }
  .hm-bars i,
  .hm-steps-list li,
  .hm-steps-list::before {
    transform: none !important;
    opacity: 1 !important;
    transition: none;
  }
}