/* Hard money home — stone / teal (not navy-gold) */

.theme-hard-money {
  --color-bg: #fafaf9;
  --color-surface: #ffffff;
  --color-ink: #1c1917;
  --color-muted: #57534e;
  --color-border: #e7e5e4;
  --color-accent: #0f766e;
  --color-accent-ink: #f0fdfa;
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Source Serif 4", Georgia, serif;
}

.theme-hard-money .site-main {
  padding-block: 0;
}

.hm-kicker {
  margin: 0 0 0.75rem;
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-accent);
}

.hm-hero {
  background:
    linear-gradient(145deg, #292524 0%, #1c1917 55%, #0f766e 160%);
  color: #fafaf9;
  padding: 4rem 0 3.5rem;
}

.hm-hero__grid {
  display: grid;
  gap: 2rem;
}

.hm-hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.1rem, 5vw, 3.4rem);
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin: 0 0 1rem;
  color: #fafaf9;
}

.hm-hero__sub {
  margin: 0;
  max-width: 34rem;
  font-size: 1.15rem;
  line-height: 1.5;
  color: rgba(250, 250, 249, 0.78);
}

.hm-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.75rem;
}

.hm-hero .btn {
  background: #14b8a6;
  color: #042f2e;
}

.hm-hero .btn--ghost {
  border-color: rgba(250, 250, 249, 0.35);
  color: #fafaf9;
}

.hm-hero__card {
  background: rgba(250, 250, 249, 0.06);
  border: 1px solid rgba(250, 250, 249, 0.14);
  border-radius: 0.5rem;
  padding: 1.25rem 1.35rem;
  display: grid;
  gap: 1rem;
  align-content: start;
}

.hm-stat strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.65rem;
  letter-spacing: -0.02em;
  color: #5eead4;
}

.hm-stat span {
  color: rgba(250, 250, 249, 0.7);
  font-size: 0.92rem;
}

.hm-section {
  padding: 3.25rem 0;
}

.hm-section--alt {
  background: var(--color-surface);
  border-block: 1px solid var(--color-border);
}

.hm-narrow {
  max-width: 40rem;
}

.hm-steps {
  list-style: none;
  margin: 1.75rem 0 0;
  padding: 0;
  display: grid;
  gap: 1.25rem;
}

.hm-steps li {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 0.4rem;
  padding: 1.15rem 1.2rem 1.2rem 1.15rem;
}

.hm-steps__num {
  display: inline-grid;
  place-items: center;
  width: 1.75rem;
  height: 1.75rem;
  margin-bottom: 0.55rem;
  border-radius: 999px;
  background: var(--color-accent);
  color: var(--color-accent-ink);
  font-size: 0.85rem;
  font-weight: 700;
}

.hm-steps h3 {
  margin: 0 0 0.35rem;
  font-family: var(--font-display);
  font-size: 1.2rem;
}

.hm-steps p {
  margin: 0;
  color: var(--color-muted);
}

.hm-cards {
  display: grid;
  gap: 1rem;
  margin-top: 1.75rem;
}

.hm-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: 0.4rem;
  padding: 1.25rem;
}

.hm-card h3 {
  margin: 0 0 0.4rem;
  font-family: var(--font-display);
  font-size: 1.2rem;
}

.hm-card p {
  margin: 0;
  color: var(--color-muted);
}

.hm-cta {
  background: #0f766e;
  color: #f0fdfa;
}

.hm-cta .section-title {
  color: #f0fdfa;
}

.hm-cta .section-lead {
  color: rgba(240, 253, 250, 0.82);
}

.hm-cta .btn {
  background: #fafaf9;
  color: #134e4a;
}

.hm-cta__inner {
  display: grid;
  gap: 1.25rem;
  align-items: center;
}

/* Interior + apply */

.hm-interior-hero {
  padding: 3rem 0 2rem;
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface);
}

.hm-interior-hero__title {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 4vw, 2.75rem);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin: 0 0 0.75rem;
}

.hm-interior-hero__sub {
  margin: 0;
  max-width: 38rem;
  color: var(--color-muted);
  font-size: 1.1rem;
}

.hm-stack {
  display: grid;
  gap: 1.75rem;
  max-width: 42rem;
}

.hm-block h2 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  margin: 0 0 0.45rem;
}

.hm-block p {
  margin: 0;
  color: var(--color-muted);
}

.hm-block ul {
  margin: 0.75rem 0 0;
  padding-left: 1.2rem;
  color: var(--color-muted);
}

.hm-block li + li {
  margin-top: 0.35rem;
}

.hm-apply {
  max-width: 36rem;
}

.hm-form {
  display: grid;
  gap: 1rem;
}

.hm-form__grid {
  display: grid;
  gap: 1rem;
}

.hm-form__row {
  display: grid;
  gap: 0.35rem;
}

.hm-form label {
  font-size: 0.9rem;
  font-weight: 600;
}

.hm-form input,
.hm-form textarea {
  width: 100%;
  padding: 0.7rem 0.8rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  background: var(--color-surface);
  color: var(--color-ink);
  font: inherit;
}

.hm-form input:focus,
.hm-form textarea:focus {
  outline: 2px solid color-mix(in srgb, var(--color-accent) 45%, transparent);
  outline-offset: 1px;
}

.hm-form__error {
  margin: 0;
  padding: 0.75rem 0.9rem;
  background: #fef2f2;
  border: 1px solid #fecaca;
  color: #991b1b;
  border-radius: var(--radius);
}

.hm-thanks {
  padding: 0.5rem 0 1rem;
}

.hm-service-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.hm-service-tile {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  min-width: 0;
  padding: 1.15rem 1.2rem;
  text-align: left;
  text-decoration: none;
  color: var(--color-ink);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: 0.4rem;
  transition: border-color 0.15s ease, transform 0.15s ease, background 0.15s ease;
}

.hm-service-tile span {
  font-family: var(--font-display);
  font-size: 1.05rem;
  line-height: 1.25;
  letter-spacing: -0.01em;
}

.hm-service-tile p {
  margin: 0;
  color: var(--color-muted);
  font-size: 0.92rem;
  line-height: 1.4;
}

.hm-service-tile:hover {
  border-color: var(--color-accent);
  background: color-mix(in srgb, var(--color-accent) 8%, var(--color-surface));
  transform: translateY(-1px);
  color: var(--color-ink);
}

@media (max-width: 900px) {
  .hm-service-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 600px) {
  .hm-service-grid {
    grid-template-columns: 1fr;
  }
}

@media (min-width: 800px) {
  .hm-hero__grid {
    grid-template-columns: 1.5fr 0.9fr;
    align-items: end;
  }

  .hm-steps {
    grid-template-columns: repeat(3, 1fr);
  }

  .hm-cards {
    grid-template-columns: repeat(3, 1fr);
  }

  .hm-cta__inner {
    grid-template-columns: 1fr auto;
  }

  .hm-form__grid {
    grid-template-columns: 1fr 1fr;
  }
}