.page{padding:22px 0 40px}
.hero-section,.section{margin-top:34px}
.hero-grid{
  display:grid;
  grid-template-columns:1.12fr .88fr;
  gap:18px;
  align-items:stretch;
}
.panel-inner{position:relative;z-index:1;padding:24px}
.chips,.cta-row,.related-links,.stat-row{display:flex;flex-wrap:wrap;gap:10px}
.chips{margin-top:18px}
.chips span,.related-links a{
  padding:9px 12px;
  border-radius:999px;
  border:1px solid rgba(255,255,255,.09);
  background:rgba(255,255,255,.03);
  color:rgba(255,255,255,.86);
  font-size:12px;
  line-height:1.3;
  text-decoration:none;
}
.cta-row{margin-top:22px}
.hero-side{display:grid;gap:16px}
.mini-card{padding:18px}
.mini-card p{margin:10px 0 0;color:var(--muted);line-height:1.7;font-size:14px}
.list{
  margin:0;
  padding-left:18px;
  color:var(--muted);
  display:grid;
  gap:10px;
  line-height:1.7;
  font-size:14px;
}
.metric{padding:16px 18px}
.metric strong{display:block;font-size:24px;letter-spacing:-.03em}
.metric span{
  display:block;
  margin-top:6px;
  font-size:12px;
  text-transform:uppercase;
  letter-spacing:.14em;
  color:rgba(255,255,255,.56);
}
.stat-row{margin-top:10px}
.stat-row .metric{flex:1 1 180px}

.section-head{display:grid;gap:10px;max-width:980px;margin-bottom:16px}
.section-grid-3,.section-grid-2,.faq-grid{
  display:grid;
  gap:16px;
  align-items:stretch;
}
.section-grid-3,.faq-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.section-grid-2{grid-template-columns:1.15fr .85fr}
.card-title{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:10px;
}
.card-copy{margin-top:10px;color:var(--muted);line-height:1.7;font-size:14px}
.service-points{display:grid;gap:10px;margin-top:14px}
.service-points div{
  display:flex;
  gap:10px;
  align-items:flex-start;
  padding:12px 13px;
  min-height:56px;
  border-radius:18px;
  border:1px solid rgba(255,255,255,.08);
  background:rgba(255,255,255,.03);
}
.service-points span{
  display:block;
  flex:1 1 auto;
  min-width:0;
  color:rgba(255,255,255,.78);
  font-size:13.4px;
  line-height:1.68;
}
.service-points a{
  color:rgba(255,255,255,.92);
}
.service-points i{
  width:9px;
  height:9px;
  border-radius:50%;
  background:rgba(255,212,0,.92);
  flex:0 0 9px;
  margin-top:6px;
  box-shadow:0 0 0 6px rgba(255,212,0,.08);
}
.quote-box{
  padding:18px;
  border-radius:20px;
  border:1px solid rgba(255,255,255,.08);
  background:rgba(255,255,255,.03);
  color:rgba(255,255,255,.84);
  line-height:1.75;
}

.process-list{
  margin:14px 0 0;
  padding:0;
  list-style:none;
  display:grid;
  gap:12px;
}
.process-list li{
  display:grid;
  grid-template-columns:56px 1fr;
  gap:14px;
  align-items:start;
  padding:14px;
  border-radius:18px;
  border:1px solid rgba(255,255,255,.08);
  background:rgba(255,255,255,.03);
}
.process-list strong{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:42px;
  height:42px;
  border-radius:14px;
  border:1px solid rgba(255,212,0,.20);
  background:rgba(255,212,0,.08);
  color:rgba(255,212,0,.94);
  font-size:12px;
  letter-spacing:.06em;
}
.process-list h3{font-size:15px}
.process-list p{margin-top:6px;color:rgba(255,255,255,.72);font-size:13px;line-height:1.66}

.faq-grid .mini-card{padding:18px;min-height:190px}
.faq-grid h3{font-size:15px;line-height:1.25}
.faq-grid p{margin-top:10px;color:rgba(255,255,255,.72);font-size:13px;line-height:1.68}

.section-cta{padding:clamp(20px,2.2vw,28px)}
.section-cta .cta-row{margin-top:18px}

.hub-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:16px;
  align-items:stretch;
}

.hub-card{
  padding:20px;
  display:flex;
  flex-direction:column;
  gap:10px;
}

.hub-card p{
  margin:0;
  color:rgba(255,255,255,.72);
  font-size:13.4px;
  line-height:1.72;
}

.hub-card .service-link{
  margin-top:auto;
  padding-top:14px;
}

.hub-card .card-copy{
  margin:0;
}

.article-grid{
  display:grid;
  grid-template-columns:1.08fr .92fr;
  gap:16px;
  align-items:start;
}

.article-content{
  display:grid;
  gap:16px;
}

.article-block{
  padding:20px;
}

.article-block h2{
  margin:0 0 10px;
}

.article-block p{
  margin:0;
  color:rgba(255,255,255,.74);
  font-size:13.8px;
  line-height:1.8;
}

.article-block p + p{
  margin-top:14px;
}

.article-list{
  margin:0;
  padding-left:18px;
  display:grid;
  gap:10px;
  color:rgba(255,255,255,.78);
  font-size:13.4px;
  line-height:1.72;
}

.article-note{
  padding:18px;
  border-radius:20px;
  border:1px solid rgba(255,255,255,.08);
  background:rgba(255,255,255,.03);
  color:rgba(255,255,255,.82);
  font-size:13.2px;
  line-height:1.72;
}

@media (max-width:980px){
  .hero-grid,.section-grid-2,.section-grid-3,.faq-grid,.hub-grid,.article-grid{grid-template-columns:1fr}
}

@media (max-width:768px){
  .panel-inner,.mini-card,.metric,.section-cta{padding:16px}
  .cta-row{flex-direction:column}
  .chips,.related-links{gap:8px}
  .stat-row{display:grid;grid-template-columns:1fr;gap:10px}
  .process-list li{grid-template-columns:1fr;gap:10px}
}