.home-variant-modern .content,
.home-variant-modern-mobile .content {
    padding: 0;
    font-family: "Segoe UI", system-ui, -apple-system, sans-serif;
}

.home-modern {
    color: #1a2433;
}

.home-modern-hero {
    padding: 36px 32px 32px;
    background: linear-gradient(135deg, #0b4a82 0%, #0077cc 55%, #1496e8 100%);
    color: #fff;
}

.home-modern-eyebrow {
    margin: 0 0 8px;
    font-size: 0.82rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    opacity: 0.88;
}

.home-modern-hero h1 {
    margin: 0 0 14px;
    font-size: clamp(1.75rem, 3vw, 2.35rem);
    line-height: 1.15;
    font-weight: 700;
    max-width: 16ch;
}

.home-modern-lead {
    margin: 0;
    max-width: 52ch;
    font-size: 1.05rem;
    line-height: 1.6;
    opacity: 0.96;
}

.home-modern-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin: 22px 0 0;
    padding: 0;
    list-style: none;
}

.home-modern-stats li {
    margin: 0;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    border: 1px solid rgba(255, 255, 255, 0.22);
    font-size: 0.92rem;
}

.home-modern-stats strong {
    font-weight: 700;
}

.home-modern-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 24px;
}

.home-modern-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 44px;
    padding: 0 20px;
    border-radius: 999px;
    font-weight: 700;
    text-decoration: none;
    transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}

.home-modern-btn:hover {
    transform: translateY(-1px);
}

.home-modern-btn-primary {
    background: #fff;
    color: #0b4a82;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.16);
}

.home-modern-btn-primary:hover {
    background: #f4f8fc;
}

.home-modern-btn-secondary {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255, 255, 255, 0.72);
}

.home-modern-btn-secondary:hover {
    background: rgba(255, 255, 255, 0.12);
}

.home-modern-steps {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
    padding: 24px 32px;
    background: #f3f7fb;
    border-bottom: 1px solid #dbe6f0;
}

.home-modern-step {
    background: #fff;
    border: 1px solid #dbe6f0;
    border-radius: 12px;
    padding: 18px 18px 16px;
}

.home-modern-step-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    margin-bottom: 10px;
    border-radius: 50%;
    background: #0077cc;
    color: #fff;
    font-size: 0.85rem;
    font-weight: 700;
}

.home-modern-step h2 {
    margin: 0 0 8px;
    font-size: 1rem;
    color: #123052;
}

.home-modern-step p {
    margin: 0;
    font-size: 0.92rem;
    line-height: 1.55;
    color: #4a5968;
}

.home-modern-articles {
    margin-top: 0;
    padding: 28px 32px 32px;
}

.home-modern-articles-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 18px;
}

.home-modern-articles-head h2 {
    margin: 0;
    font-size: 1.35rem;
    color: #123052;
}

.home-modern-articles-all {
    color: #0077cc;
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
}

.home-modern-articles-all:hover {
    text-decoration: underline;
}

.home-modern-articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 18px;
}

.home-modern-article-card {
    display: flex;
    flex-direction: column;
    overflow: hidden;
    border: 1px solid #dbe6f0;
    border-radius: 12px;
    background: #fff;
    box-shadow: 0 2px 8px rgba(18, 48, 82, 0.05);
    transition: box-shadow 0.2s ease, border-color 0.2s ease;
}

.home-modern-article-card:hover {
    border-color: #9ec7ea;
    box-shadow: 0 8px 22px rgba(0, 119, 204, 0.12);
}

.home-modern-article-thumb {
    display: block;
    height: 160px;
    background: #eef3f8;
}

.home-modern-article-thumb img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.home-modern-article-body {
    display: flex;
    flex-direction: column;
    flex: 1 1 auto;
    padding: 16px 18px 18px;
}

.home-modern-article-body h3 {
    margin: 0 0 8px;
    font-size: 1.05rem;
    line-height: 1.35;
}

.home-modern-article-body h3 a {
    color: #123052;
    text-decoration: none;
}

.home-modern-article-body h3 a:hover {
    color: #0077cc;
}

.home-modern-article-body > p:not(.article-meta) {
    margin: 0 0 12px;
    font-size: 0.92rem;
    line-height: 1.55;
    color: #4a5968;
}

.home-modern-article-body .article-meta {
    margin: 0 0 6px;
}

.home-modern-article-body .article-read-more {
    margin-top: auto;
}

@media (max-width: 960px) {
    .home-modern-steps {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .home-modern-hero,
    .home-modern-steps,
    .home-modern-articles {
        padding-left: 20px;
        padding-right: 20px;
    }

    .home-modern-articles-head {
        flex-direction: column;
        align-items: flex-start;
    }
}