/* Approved LumenFinanz homepage. Isolated from existing service/form styles. */
@font-face {
  font-family: "Lumen Inter";
  src: url("../fonts/InterVariable.woff2") format("woff2");
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
}
.page-home-refined {
  --ref-ink: #1d1d1f;
  --ref-green: #164f40;
  --ref-forest: #14231f;
  --ref-mint: #b6d7c8;
  color: var(--ref-ink);
  background: #fff;
  font-family: "Lumen Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
.page-home-refined::before { display: none; }
.page-home-refined .site-header { background: rgba(255,255,255,.96); border-bottom: 1px solid #e7e8e7; }
.page-home-refined .nav-wrap,
.page-home-refined .site-header.is-scrolled .nav-wrap { width: min(1320px, calc(100% - 72px)); min-height: 70px; padding: 10px 0; }
.page-home-refined .site-nav { gap: clamp(24px, 3vw, 42px); }
.page-home-refined .site-nav a { font-size: 14px; color: var(--ref-ink); }
.page-home-refined .site-nav .lf-nav-request { padding: 9px 16px; border-radius: 999px; background: var(--ref-green); color: #fff; white-space: nowrap; font-size: 13px; }
.page-home-refined .site-nav .lf-nav-request:hover { background: #0d3c30; }
.page-home-refined .site-nav .lf-nav-request::after { display: none; }
.page-home-refined .mobile-cta { display: none; }
.page-home-refined a:focus-visible,
.page-home-refined button:focus-visible { outline: 3px solid #087a66; outline-offset: 5px; }
.lf-refined-hero { padding: 56px 0 32px; background: #fff; text-align: center; }
.lf-refined-intro { width: min(1240px, calc(100% - 56px)); margin: 0 auto; }
.lf-refined-eyebrow { margin: 0 0 24px; color: var(--ref-green); font-size: 18px; font-weight: 500; line-height: 1.4; }
.lf-refined-intro > .lf-refined-eyebrow { margin-bottom: 14px; }
.lf-refined-intro h1 { max-width: none; margin: 0; font-family: inherit; font-size: clamp(48px, 8.6vw, 110px); font-weight: 700; line-height: 1.06; letter-spacing: -.048em; color: var(--ref-ink); }
.lf-refined-intro h1 span { display: block; color: var(--ref-green); }
.lf-refined-lead { max-width: 920px; margin: 25px auto 0; color: #595b5d; font-size: 22px; line-height: 1.5; letter-spacing: -.012em; }
.lf-refined-actions { display: flex; align-items: center; justify-content: center; gap: 40px; margin-top: 40px; }
.lf-refined-button { display: inline-flex; min-height: 58px; width: max-content; align-items: center; justify-content: center; padding: 15px 34px; border: 0; border-radius: 999px; color: #fff; background: var(--ref-green); font-size: 18px; line-height: 1.5; font-weight: 600; text-align: center; transition: background .16s ease; }
.lf-refined-button:hover { background: #0d3c30; color: #fff; }
.lf-refined-link { display: inline-flex; min-height: 48px; align-items: center; color: var(--ref-green); font-size: 18px; font-weight: 600; text-decoration: underline; text-underline-offset: 7px; text-decoration-thickness: 1px; }
.lf-refined-note { margin: 19px 0 0; color: #595b5d; font-size: 16px; line-height: 1.5; }
.lf-refined-shell,
.lf-refined-portrait { width: min(1160px, 81.5%); margin-right: auto; margin-left: auto; }
.lf-refined-portrait { margin-top: 38px; margin-bottom: 0; }
.lf-refined-portrait > img { display: block; width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; object-position: 50% 34%; border-radius: 18px; }
.lf-refined-portrait figcaption { margin-top: 16px; color: #595b5d; font-size: 16px; line-height: 1.5; }
.lf-refined-topics { padding: 44px 0 40px; background: var(--ref-forest); color: #f9fbfa; }
.lf-refined-topics .lf-refined-eyebrow { margin-bottom: 18px; color: var(--ref-mint); }
.lf-refined-topics h2,
.lf-refined-process h2 { max-width: none; margin: 0; font-family: inherit; font-size: clamp(36px, 4.65vw, 56px); font-weight: 650; line-height: 1.12; letter-spacing: -.034em; }
.lf-refined-topics h2 { color: #f9fbfa; }
.lf-refined-topic-list { margin-top: 27px; }
.lf-refined-topic { display: grid; grid-template-columns: 48px minmax(0, 1fr) 36px; align-items: start; gap: 36px; min-height: 132px; padding: 23px 0; border-bottom: 1px solid rgba(182,215,200,.27); color: #f9fbfa; text-decoration: none; }
.lf-refined-topic:last-child { border-bottom: 0; }
.lf-refined-number { padding-top: 3px; color: var(--ref-mint); font-size: 18px; line-height: 1.5; }
.lf-refined-topic-copy { min-width: 0; }
.lf-refined-topic-copy strong { display: block; color: #f9fbfa; font-size: clamp(22px, 2.65vw, 30px); font-weight: 620; line-height: 1.35; letter-spacing: -.022em; }
.lf-refined-topic-copy > span { display: block; max-width: 620px; margin-top: 8px; color: #c8d0cc; font-size: 18px; line-height: 1.55; }
.lf-refined-topic > img { align-self: center; width: 36px; height: 36px; transition: transform .16s ease; }
.lf-refined-topic:hover .lf-refined-topic-copy strong { color: var(--ref-mint); }
.lf-refined-topic:hover > img { transform: translateX(4px); }
.lf-refined-topics a:focus-visible { outline-color: var(--ref-mint); }
.lf-refined-topic-note { margin: 17px 0 0; color: var(--ref-mint); font-size: 18px; line-height: 1.5; }
.lf-refined-process { padding: 96px 0; background: #f5f6f4; }
.lf-refined-process-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 80px; }
.lf-refined-process h2 { color: var(--ref-ink); font-size: clamp(34px, 3.7vw, 48px); }
.lf-refined-process .lf-refined-button { margin-top: 32px; font-size: 16px; min-height: 50px; padding: 12px 25px; }
.lf-refined-process-list { list-style: none; margin: 0; padding: 0; }
.lf-refined-process-list li { display: grid; grid-template-columns: 30px 1fr; gap: 20px; border-top: 1px solid #d4d9d5; padding: 20px 0; }
.lf-refined-process-list li > span { color: var(--ref-green); font-size: 14px; padding-top: 4px; }
.lf-refined-process-list h3 { margin: 0; font-family: inherit; font-size: 20px; line-height: 1.4; font-weight: 600; letter-spacing: -.015em; }
.lf-refined-process-list p { margin: 7px 0 0; color: #595b5d; font-size: 16px; line-height: 1.6; }
.lf-refined-more { padding: 25px 0; background: #fff; border-bottom: 1px solid #e1e5e1; }
.lf-refined-more > div { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.lf-refined-more a { display: inline-flex; min-height: 44px; align-items: center; color: var(--ref-green); font-size: 15px; }
.lf-refined-more a:hover { text-decoration: underline; text-underline-offset: 4px; }
.page-home-refined section[id] { scroll-margin-top: 90px; }
@media (min-width: 1100px) {
  .lf-refined-hero { padding-top: 74px; }
  .lf-refined-topics { padding-top: 66px; padding-bottom: 60px; }
  .lf-refined-topic-list { margin-top: 35px; }
  .lf-refined-topic { padding-top: 27px; padding-bottom: 27px; }
}
@media (max-width: 820px) {
  .page-home-refined .nav-wrap,
  .page-home-refined .site-header.is-scrolled .nav-wrap { width: calc(100% - 40px); min-height: 64px; }
  .page-home-refined .site-nav { gap: 20px; }
  .page-home-refined .site-nav a { font-size: 13px; }
  .page-home-refined .brand-copy strong { font-size: 14px; }
  .page-home-refined .brand-mark { width: 36px; height: 40px; }
  .lf-refined-shell, .lf-refined-portrait { width: calc(100% - 64px); }
  .lf-refined-process-grid { gap: 40px; }
}
@media (max-width: 720px) {
  .page-home-refined .site-nav { gap: 0; background: #fff; padding: 12px 20px 20px; }
  .page-home-refined .site-nav a { min-height: 48px; font-size: 16px; }
  .page-home-refined .site-nav .lf-nav-request { display: flex; justify-content: center; margin-top: 12px; padding: 12px 20px; }
  .lf-refined-hero { padding: 43px 0 30px; }
  .lf-refined-intro { width: calc(100% - 32px); }
  .lf-refined-eyebrow { margin-bottom: 22px; font-size: 14px; }
  .lf-refined-intro h1 { font-size: clamp(35px, 8.9vw, 64px); line-height: 1.13; letter-spacing: -.048em; }
  .lf-refined-lead { max-width: 520px; margin-top: 24px; padding: 0 8px; font-size: 17px; line-height: 1.6; }
  .lf-desktop-break { display: none; }
  .lf-refined-actions { margin-top: 28px; gap: 12px; flex-direction: column; }
  .lf-refined-button { min-height: 52px; padding: 13px 27px; font-size: 16px; }
  .lf-refined-link { font-size: 16px; min-height: 40px; }
  .lf-refined-note { margin-top: 10px; padding: 0 12px; font-size: 13px; }
  .lf-refined-shell, .lf-refined-portrait { width: calc(100% - 40px); }
  .lf-refined-portrait { margin-top: 28px; }
  .lf-refined-portrait > img { border-radius: 14px; }
  .lf-refined-portrait figcaption { margin-top: 13px; max-width: 310px; margin-left: auto; margin-right: auto; font-size: 13px; line-height: 1.5; }
  .lf-refined-topics { padding: 36px 0 34px; }
  .lf-refined-topics h2 { max-width: 470px; font-size: clamp(30px, 7.7vw, 44px); line-height: 1.15; }
  .lf-refined-topics .lf-refined-eyebrow { font-size: 14px; margin-bottom: 14px; }
  .lf-refined-topic-list { margin-top: 22px; }
  .lf-refined-topic { grid-template-columns: minmax(0, 1fr) 28px; gap: 18px; min-height: 0; padding: 22px 0; }
  .lf-refined-number { display: none; }
  .lf-refined-topic-copy strong { font-size: 20px; line-height: 1.4; }
  .lf-refined-topic-copy > span { margin-top: 8px; font-size: 16px; line-height: 1.55; }
  .lf-refined-topic > img { width: 28px; height: 28px; }
  .lf-refined-topic-note { margin-top: 16px; font-size: 15px; }
  .lf-refined-process { padding: 52px 0; }
  .lf-refined-process-grid { grid-template-columns: 1fr; gap: 34px; }
  .lf-refined-process h2 { font-size: 34px; }
  .lf-refined-process .lf-refined-button { margin-top: 24px; }
  .lf-refined-process-list li { padding: 19px 0; }
  .lf-refined-more > div { flex-direction: column; gap: 0; }
}
@media (max-width: 360px) {
  .lf-refined-intro h1 { font-size: 31px; }
  .lf-refined-eyebrow { max-width: 260px; margin-left: auto; margin-right: auto; }
  .lf-refined-topic-copy strong { font-size: 19px; }
}
@media (prefers-reduced-motion: reduce) {
  .page-home-refined *, .page-home-refined *::before, .page-home-refined *::after { scroll-behavior: auto !important; transition: none !important; }
}