body.home-reference .home-fault-contact {
  --hfc-ink: #143e63;
  --hfc-blue: #0879bd;
  --hfc-muted: #58748a;
  --hfc-line: #c9e1f0;
  --hfc-orange: #f15a24;
  position: relative;
  z-index: 1;
  scroll-margin-top: 96px;
  width: calc(100% - 40px);
  margin: 12px auto 14px;
  padding: 20px;
  overflow: hidden;
  border: 1px solid #74bce1;
  border-radius: 16px;
  color: var(--hfc-ink);
  background: linear-gradient(125deg, #f4fbff 0%, #edf7fc 53%, #f7fbfd 100%);
  box-shadow: 0 10px 28px rgba(24, 83, 119, .075);
}

body.home-reference .hfc-shell {
  display: grid;
  grid-template-columns: minmax(0, .99fr) minmax(0, 1fr);
  align-items: center;
  gap: 22px;
  width: 100%;
  margin-inline: auto;
}

body.home-reference .hfc-intro {
  position: relative;
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  min-width: 0;
  padding: 0;
}

body.home-reference .hfc-eyebrow {
  position: relative;
  z-index: 1;
  margin: 0 0 4px;
  color: #123d70;
  font: 800 clamp(20px, 2vw, 28px)/1.2 'Poppins', sans-serif;
  letter-spacing: .01em;
}

body.home-reference .hfc-intro h2 {
  position: relative;
  z-index: 1;
  max-width: 100%;
  margin: 0;
  color: var(--hfc-orange);
  font: 800 clamp(28px, 2.7vw, 40px)/1.1 'Poppins', sans-serif;
  letter-spacing: -.045em;
}

body.home-reference .hfc-copy {
  position: relative;
  z-index: 1;
  max-width: min(54%, 290px);
  margin: 10px 0 20px;
  color: var(--hfc-muted);
  font: 400 14px/1.5 'Open Sans', sans-serif;
}

body.home-reference .hfc-trust {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 9px;
  width: min(54%, 290px);
  max-width: 100%;
  margin: 0;
  padding: 0;
  list-style: none;
}

body.home-reference .hfc-trust li {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 7px;
  color: #275979;
  font: 700 12px/1.35 'Open Sans', sans-serif;
  text-align: center;
  overflow-wrap: anywhere;
}

body.home-reference .hfc-trust svg {
  display: block;
  flex: 0 0 44px;
  width: 44px;
  height: 44px;
  padding: 9px;
  border-radius: 50%;
  background: #0562ce;
  fill: none;
  stroke: #fff;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

body.home-reference .hfc-advisor {
  position: absolute;
  z-index: 0;
  right: 0;
  bottom: 0;
  display: block;
  width: min(47%, 310px);
  height: auto;
  max-height: none;
  object-fit: contain;
  object-position: bottom right;
  pointer-events: none;
}

body.home-reference .hfc-form-panel {
  min-width: 0;
  padding: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}

body.home-reference .hfc-form-heading,
body.home-reference .hfc-form-intro { display: none; }

body.home-reference .hfc-form-heading h3 {
  margin: 0;
  color: var(--hfc-ink);
  font: 750 21px/1.2 'Poppins', sans-serif;
  letter-spacing: -.035em;
}

body.home-reference .hfc-form-intro {
  margin: 6px 0 14px;
  color: #758b9b;
  font: 400 12px/1.5 'Open Sans', sans-serif;
}

body.home-reference .hfc-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 12px;
}

body.home-reference .hfc-field { min-width: 0; }
body.home-reference .hfc-field-wide { grid-column: 1 / -1; }

body.home-reference .hfc-field > label:first-child {
  display: block;
  margin: 0 0 4px;
  color: #2a526e;
  font: 700 11px/1.35 'Open Sans', sans-serif;
}

body.home-reference .hfc-field > label:first-child > span:not(.hfc-required) {
  color: #8297a5;
  font-size: 10px;
  font-weight: 400;
}

body.home-reference .hfc-required {
  color: #aa4e31;
  font-size: 10px;
  font-weight: 700;
}

body.home-reference .hfc-field input:not([type="file"]),
body.home-reference .hfc-field select,
body.home-reference .hfc-field textarea {
  display: block;
  width: 100%;
  min-width: 0;
  min-height: 36px;
  margin: 0;
  padding: 7px 10px;
  border: 1px solid #d2e2ec;
  border-radius: 7px;
  outline: none;
  color: #173e5f;
  background: #fbfdfe;
  font: 500 13px/1.4 'Open Sans', sans-serif;
  transition: border-color .16s ease, box-shadow .16s ease, background-color .16s ease;
}

body.home-reference .hfc-field textarea { height: 60px; min-height: 60px; resize: vertical; }
body.home-reference .hfc-field input::placeholder,
body.home-reference .hfc-field textarea::placeholder { color: #93a5b2; }

body.home-reference .hfc-field input:focus,
body.home-reference .hfc-field select:focus,
body.home-reference .hfc-field textarea:focus {
  border-color: #5ba8d2;
  background: #fff;
  box-shadow: 0 0 0 3px rgba(8, 121, 189, .12);
}

body.home-reference .hfc-extra {
  margin-top: 11px;
  border-top: 1px solid #e3edf3;
}

body.home-reference .hfc-extra summary {
  width: fit-content;
  padding: 10px 0 8px;
  color: #397295;
  font: 700 11px/1.4 'Open Sans', sans-serif;
  text-underline-offset: 3px;
  cursor: pointer;
}

body.home-reference .hfc-extra summary:focus-visible {
  outline: 2px solid #4c9bc5;
  outline-offset: 3px;
  border-radius: 2px;
}

body.home-reference .hfc-extra-fields { padding: 3px 0 4px; }

body.home-reference .hfc-upload {
  display: flex;
  align-items: center;
  gap: 10px;
  min-height: 62px;
  padding: 9px 11px;
  border: 1px dashed #b8d1e0;
  border-radius: 8px;
  color: #315b78;
  background: #f7fbfe;
  cursor: pointer;
}

body.home-reference .hfc-upload:hover { border-color: #73b3d7; background: #f2f9fd; }
body.home-reference .hfc-upload-icon {
  display: grid;
  flex: 0 0 30px;
  width: 30px;
  height: 30px;
  place-items: center;
  border-radius: 50%;
  color: var(--hfc-blue);
  background: #e5f3fb;
  font: 400 22px/1 'Open Sans', sans-serif;
}

body.home-reference .hfc-upload strong,
body.home-reference .hfc-upload small,
body.home-reference .hfc-file-name { display: block; }
body.home-reference .hfc-upload strong { font: 700 11px/1.4 'Open Sans', sans-serif; }
body.home-reference .hfc-upload small { margin-top: 2px; color: #8197a7; font: 400 9px/1.4 'Open Sans', sans-serif; }
body.home-reference .hfc-file-name { margin-top: 2px; color: #38749a; font: 600 10px/1.4 'Open Sans', sans-serif; overflow-wrap: anywhere; }
body.home-reference .hfc-file-input { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); clip-path: inset(50%); white-space: nowrap; }
body.home-reference .hfc-upload:focus-within { outline: 3px solid rgba(8,121,189,.25); outline-offset: 2px; }

body.home-reference .hfc-privacy {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-top: 12px;
}

body.home-reference .hfc-privacy input {
  flex: 0 0 17px;
  width: 17px;
  height: 17px;
  margin: 1px 0 0;
  accent-color: var(--hfc-blue);
}

body.home-reference .hfc-privacy label {
  color: #647d90;
  font: 400 10px/1.55 'Open Sans', sans-serif;
}

body.home-reference .hfc-privacy a,
body.home-reference .hfc-note a { color: #0877b8; font-weight: 700; text-underline-offset: 2px; }

body.home-reference .hfc-status {
  min-height: 0;
  margin: 0;
  color: #8b3d2d;
  font: 600 12px/1.5 'Open Sans', sans-serif;
}

body.home-reference .hfc-status:not(:empty) { margin-top: 10px; }
body.home-reference .hfc-status[data-kind="success"],
body.home-reference .hfc-status[data-kind="error"] { padding: 10px 12px; border-radius: 7px; }
body.home-reference .hfc-status[data-kind="success"] { border: 1px solid #bddfcf; color: #215b43; background: #f0faf4; }
body.home-reference .hfc-status[data-kind="error"] { border: 1px solid #f0d0c5; background: #fff8f5; }
body.home-reference .hfc-status a { color: inherit; font-weight: 800; }

body.home-reference .hfc-submit {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  width: 100%;
  min-height: 46px;
  margin-top: 8px;
  padding: 11px 15px 11px 17px;
  border: 0;
  border-radius: 7px;
  color: #fff;
  background: linear-gradient(110deg, #ff891b, #f04c22);
  box-shadow: 0 4px 11px rgba(220, 81, 35, .17);
  font: 700 13px/1.3 'Poppins', sans-serif;
  text-align: left;
  cursor: pointer;
  transition: background-color .16s ease, transform .16s ease, opacity .16s ease;
}

body.home-reference .hfc-submit:hover:not(:disabled) { background: linear-gradient(110deg, #f97916, #dc411d); transform: translateY(-1px); }
body.home-reference .hfc-submit:disabled { opacity: .62; cursor: not-allowed; box-shadow: none; }
body.home-reference .hfc-submit-arrow { font-size: 21px; line-height: 1; }

body.home-reference .hfc-note {
  margin: 9px 0 0;
  color: #718696;
  font: 400 10px/1.55 'Open Sans', sans-serif;
  text-align: left;
}

body.home-reference .hfc-honeypot {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  clip-path: inset(50%) !important;
  white-space: nowrap !important;
}

@media (max-width: 900px) {
  body.home-reference .home-fault-contact { width: min(720px, calc(100% - 32px)); }
  body.home-reference .hfc-shell { grid-template-columns: minmax(0, 1fr); gap: 18px; }
  body.home-reference .hfc-intro { min-height: 220px; padding-right: 185px; }
  body.home-reference .hfc-copy { max-width: 100%; }
  body.home-reference .hfc-trust { width: 100%; max-width: 290px; }
  body.home-reference .hfc-advisor { right: 0; bottom: 0; width: 176px; max-height: 260px; }
}

@media (max-width: 560px) {
  body.home-reference .home-fault-contact {
    width: calc(100% - 24px);
    margin: 18px auto 22px;
    padding: 18px 14px;
    border-radius: 16px;
  }
  body.home-reference .hfc-shell { gap: 15px; }
  body.home-reference .hfc-intro { display: grid; grid-template-columns: minmax(0, 1fr) 110px; gap: 8px 6px; min-height: 0; padding-right: 0; }
  body.home-reference .hfc-eyebrow { grid-column: 1 / -1; margin-bottom: 0; font-size: 20px; }
  body.home-reference .hfc-intro h2 { grid-column: 1 / -1; font-size: clamp(27px, 7.2vw, 36px); }
  body.home-reference .hfc-copy { grid-column: 1; grid-row: 3; align-self: center; margin: 0; font-size: 12px; line-height: 1.55; }
  body.home-reference .hfc-trust { grid-column: 1 / -1; grid-row: 4; max-width: 100%; gap: 7px; }
  body.home-reference .hfc-trust li { gap: 8px; font-size: 11px; }
  body.home-reference .hfc-trust svg { flex-basis: 38px; width: 38px; height: 38px; padding: 7px; }
  body.home-reference .hfc-advisor { position: static; grid-column: 2; grid-row: 3; align-self: end; width: 110px; max-height: 160px; }
  body.home-reference .hfc-form-panel { padding: 0; border-radius: 0; }
  body.home-reference .hfc-form-heading h3 { font-size: 18px; }
  body.home-reference .hfc-form-intro { font-size: 11px; margin-bottom: 12px; }
  body.home-reference .hfc-fields { grid-template-columns: minmax(0, 1fr); gap: 10px; }
  body.home-reference .hfc-field-wide { grid-column: auto; }
  body.home-reference .hfc-field input:not([type="file"]),
  body.home-reference .hfc-field select { min-height: 48px; }
  body.home-reference .hfc-field input:not([type="file"]),
  body.home-reference .hfc-field select,
  body.home-reference .hfc-field textarea { font-size: 16px; }
  body.home-reference .hfc-field textarea { height: 84px; min-height: 84px; }
  body.home-reference .hfc-upload small { font-size: 10px; }
  body.home-reference .hfc-submit { min-height: 52px; }
  body.home-reference .hfc-field > label:first-child { font-size: 12px; }
  body.home-reference .hfc-privacy label { font-size: 12px; }
  body.home-reference .hfc-extra summary { min-height: 44px; display: flex; align-items: center; font-size: 12px; }
}

@media (max-width: 360px) {
  body.home-reference .home-fault-contact { width: calc(100% - 16px); padding: 15px 10px; }
  body.home-reference .hfc-intro { min-height: 0; padding-right: 0; }
  body.home-reference .hfc-advisor { width: 110px; }
  body.home-reference .hfc-form-panel { padding-inline: 0; }
}

@media (prefers-reduced-motion: reduce) {
  body.home-reference .home-fault-contact *,
  body.home-reference .home-fault-contact *::before,
  body.home-reference .home-fault-contact *::after {
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
  }
}

/* The form is the right-hand partner to the four fault cards in the approved layout. */
body.home-reference .home-fault-contact {
  width: 100%;
  min-width: 0;
  margin: 0;
  padding: 12px;
  border: 1px solid #d7e7f1;
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 2px 9px rgba(25,73,107,.08);
}
body.home-reference .hfc-shell { display: block; }
body.home-reference .hfc-intro { display: none; }
body.home-reference .hfc-form-panel { padding: 0; }
body.home-reference .hfc-form-heading { display: block; margin-bottom: 3px; }
body.home-reference .hfc-form-heading h3 {
  color: #ef5424;
  font: 800 clamp(18px, 1.7vw, 23px)/1.15 'Poppins', sans-serif;
  letter-spacing: -.035em;
}
body.home-reference .hfc-form-intro {
  display: block;
  margin: 0 0 8px;
  color: #5a7589;
  font: 400 11px/1.4 'Open Sans', sans-serif;
}
body.home-reference .hfc-fields { gap: 6px 9px; }
body.home-reference .hfc-field > label:first-child { font-size: 10px; }
body.home-reference .hfc-field input:not([type="file"]),
body.home-reference .hfc-field select { min-height: 31px; padding: 5px 8px; font-size: 11px; }
body.home-reference .hfc-field textarea { height: 44px; min-height: 44px; font-size: 11px; }
body.home-reference .hfc-extra { margin-top: 6px; }
body.home-reference .hfc-extra summary { padding-block: 6px; }
body.home-reference .hfc-privacy { margin-top: 6px; }
body.home-reference .hfc-privacy label,
body.home-reference .hfc-note { font-size: 9px; }
body.home-reference .hfc-submit { min-height: 38px; margin-top: 5px; padding-block: 8px; }
@media (max-width: 1100px) {
  body.home-reference .home-fault-contact { width: 100%; }
  body.home-reference .hfc-intro { display: flex; }
  body.home-reference .hfc-shell { display: grid; grid-template-columns: minmax(0,1fr); }
}
@media (max-width: 760px) {
  body.home-reference .home-fault-contact { padding: 13px; }
  body.home-reference .hfc-intro { display: grid; }
  body.home-reference .hfc-form-heading h3 { font-size: 19px; }
  body.home-reference .hfc-form-intro { font-size: 12px; }
  body.home-reference .hfc-field > label:first-child { font-size: 12px; }
  body.home-reference .hfc-field input:not([type="file"]),
  body.home-reference .hfc-field select,
  body.home-reference .hfc-field textarea { font-size: 16px; }
  body.home-reference .hfc-fields { grid-template-columns: minmax(0,1fr); gap: 10px; }
  body.home-reference .hfc-field-wide { grid-column: auto; }
  body.home-reference .hfc-field input:not([type="file"]),
  body.home-reference .hfc-field select { min-height: 48px; }
  body.home-reference .hfc-field textarea { height: 84px; min-height: 84px; }
  body.home-reference .hfc-privacy label,
  body.home-reference .hfc-note { font-size: 11px; }
}

/* Compact reference header; keep the friendly visual without covering fields. */
body.home-reference .approved-problem-contact .home-fault-contact {
  width: 100%;
  min-width: 0;
  margin: 0;
}
body.home-reference .approved-problem-contact .hfc-shell {
  display: block;
  min-width: 0;
}
body.home-reference .approved-problem-contact .hfc-intro {
  display: grid;
  grid-template-columns: minmax(0,1fr) 82px;
  align-items: start;
  min-height: 0;
  gap: 3px 8px;
  margin: 0 0 10px;
}
body.home-reference .approved-problem-contact .hfc-eyebrow {
  grid-column: 1;
  margin: 0;
  font-size: 15px;
}
body.home-reference .approved-problem-contact .hfc-intro h2 {
  grid-column: 1;
  font-size: clamp(20px,1.6vw,25px);
  line-height: 1.15;
}
body.home-reference .approved-problem-contact .hfc-copy {
  grid-column: 1;
  max-width: none;
  width: auto;
  margin: 3px 0;
  font-size: 11px;
  line-height: 1.4;
}
body.home-reference .approved-problem-contact .hfc-advisor {
  position: static;
  grid-column: 2;
  grid-row: 1 / 4;
  align-self: end;
  width: 82px;
  max-width: 100%;
  height: 99px;
  object-fit: contain;
  object-position: bottom;
}
body.home-reference .approved-problem-contact .hfc-trust {
  grid-column: 1 / -1;
  position: static;
  width: 100%;
  margin: 4px 0 0;
  gap: 6px;
}
body.home-reference .approved-problem-contact .hfc-trust li {
  display: flex;
  align-items: center;
  gap: 5px;
  min-width: 0;
}
body.home-reference .approved-problem-contact .hfc-trust svg {
  flex: 0 0 25px;
  width: 25px;
  height: 25px;
  margin: 0;
}
body.home-reference .approved-problem-contact .hfc-trust span {
  font-size: 10px;
  line-height: 1.3;
}
body.home-reference .approved-problem-contact .hfc-form-heading,
body.home-reference .approved-problem-contact .hfc-form-intro { display: none; }
@media (max-width: 760px) {
  body.home-reference .approved-problem-contact .hfc-intro h2 { font-size: 22px; }
  body.home-reference .approved-problem-contact .hfc-intro {
    grid-template-columns: minmax(0,1fr) 72px;
  }
  body.home-reference .approved-problem-contact .hfc-advisor { width: 72px; height: 100px; }
  body.home-reference .approved-problem-contact .hfc-trust li {
    flex-direction: column;
    text-align: center;
  }
}