/* Isolated DESIGN CONCEPT only. No production files or calculator engines. */
.home .cards{grid-template-columns:repeat(12,minmax(0,1fr))}
.home .cards>.card{grid-column:span 3}
.home .cards>.future-card{grid-column:span 4}
.home .card-visual.refinance{display:flex;align-items:center;background:transparent}
.home .card-visual.refinance img{display:block;width:100%;height:auto;max-height:144px;object-fit:contain;border-radius:10px}
.refinance-selection .refinance-choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.refinance-selection .refinance-choice{display:flex;flex-direction:column;min-width:0;overflow:hidden;padding:0;border:1px solid var(--border);border-radius:16px;background:var(--card);color:var(--text);text-decoration:none;box-shadow:0 7px 25px #1a43770a}
.refinance-selection .refinance-choice>img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.refinance-selection .refinance-copy{padding:24px;flex:1}
.refinance-selection .refinance-copy h2{font-size:1.5rem;line-height:1.25;letter-spacing:-.025em;margin:0 0 10px}
.refinance-selection .refinance-copy p{color:var(--muted);margin:0;max-width:48ch}
.refinance-selection .refinance-choice:hover{filter:none;border-color:var(--accent);box-shadow:0 12px 32px #1a437725}
.refinance-selection .refinance-choice:active{background:var(--soft);transform:translateY(1px)}
.refinance-support{font-size:.9rem;margin:22px 0 0}
.concept-endpoint{padding:24px;background:var(--card);border:1px solid var(--border);border-radius:16px}
.concept-endpoint h2{margin-top:0}
.concept-endpoint a{background:var(--soft);color:var(--accent);border:1px solid var(--border)}
@media(prefers-reduced-motion:no-preference){.refinance-choice{transition:box-shadow .16s,border-color .16s,transform .16s}}
@media(max-width:1100px){.home .cards>.card,.home .cards>.future-card{grid-column:span 6}}
@media(max-width:700px){.refinance-selection .refinance-choices{grid-template-columns:1fr;gap:20px}.refinance-selection .refinance-copy{padding:20px}}
@media(max-width:640px){.home .cards>.card,.home .cards>.future-card{grid-column:span 12}}