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h4{font-size:18px;font-weight:900;color:var(--navy);margin-bottom:8px;line-height:1.3}.exp-card p{font-size:15px;line-height:1.55;color:var(--gray)}.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;margin-top:32px}.step{border-radius:12px;background:var(--white);padding:20px;text-align:center;border:1px solid var(--light-gray)}.step-num{border-radius:50%;display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;background:#389bbd1a;color:var(--teal);font-weight:900;font-size:14px;margin-bottom:8px}.step-label{font-size:12px;font-weight:700;color:var(--navy);line-height:1.4}.semaphore-box{border-radius:14px;background:var(--white);padding:32px;border:1px solid var(--light-gray);margin-top:32px}.semaphore-box h3{font-size:18px;font-weight:900;color:var(--navy);margin-bottom:12px}.semaphore-box p{font-size:15px;line-height:1.7;color:var(--gray);margin-bottom:16px}.semaphore-link{display:inline-flex;align-items:center;gap:6px;color:var(--teal);font-weight:700;text-decoration:none;transition:gap .3s}.semaphore-link:hover{gap:10px}@media(max-width:1024px){.exp-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(3,1fr)}.mr-grid,.process-grid,.gov-grid,.ref-split,.ehds-banner{grid-template-columns:1fr}}@media(max-width:768px){.exp-grid{grid-template-columns:1fr}.steps{grid-template-columns:repeat(2,1fr)}}.mr-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.mr-card{background:var(--white);padding:32px;border:1px solid var(--light-gray);transition:all .35s;display:flex;flex-direction:column}.mr-card:hover{border-color:var(--teal);transform:translateY(-2px);box-shadow:0 8px 30px #389bbd14}.mr-badge{display:inline-block;padding:6px 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10px;font-size:11px;font-weight:700;border-radius:100px;background:var(--cream);color:var(--dark-gray)}.process-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.process-card{background:var(--white);padding:28px;border:1px solid var(--light-gray);transition:all .35s}.process-card:hover{border-color:var(--teal);transform:translateY(-2px)}.process-card-head{display:flex;align-items:center;gap:14px;margin-bottom:14px}.process-num{width:36px;height:36px;border-radius:50%;background:var(--teal);color:var(--white);display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:900;flex-shrink:0}.process-card-head h4{font-size:18px;font-weight:900;color:var(--navy)}.process-card p{font-size:15px;line-height:1.6;color:var(--dark-gray);margin-bottom:12px}.process-card-duration{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;color:var(--teal)}.gov-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.gov-card{background:var(--white);padding:28px;border:1px solid var(--light-gray);transition:all .35s}.gov-card:hover{border-color:var(--teal);transform:translateY(-2px)}.gov-card-icon{width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px;background:#389bbd1a;color:var(--teal);margin-bottom:16px}.gov-card-icon.ic-green{background:#1b79641a;color:var(--green)}.gov-card-icon.ic-navy{background:#26215814;color:var(--navy)}.gov-card h4{font-size:18px;font-weight:900;color:var(--navy);margin-bottom:10px}.gov-card p{font-size:15px;line-height:1.6;color:var(--dark-gray);margin-bottom:14px}.gov-card-list{list-style:none;display:flex;flex-direction:column;gap:8px}.gov-card-list li{display:flex;align-items:flex-start;gap:8px;font-size:13px;line-height:1.5;color:var(--dark-gray)}.gov-card-list li i{color:var(--teal);font-size:14px;margin-top:2px;flex-shrink:0}.ref-split{display:grid;grid-template-columns:1fr 1fr;gap:24px}.ref-block{background:var(--white);padding:32px;border:1px solid var(--light-gray)}.ref-block h3{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:900;color:var(--navy);margin-bottom:8px}.ref-block h3 i{font-size:22px;color:var(--teal)}.ref-block-sub{font-size:13px;font-weight:700;color:var(--teal);margin-bottom:14px}.ref-block>p{font-size:15px;line-height:1.7;color:var(--dark-gray);margin-bottom:18px}.ref-list{list-style:none;display:flex;flex-direction:column;gap:10px;margin-bottom:18px}.ref-list li{display:flex;align-items:flex-start;gap:8px;font-size:13px;line-height:1.5;color:var(--dark-gray)}.ref-list li i{color:var(--teal);font-size:16px;margin-top:1px;flex-shrink:0}.ref-highlight{padding:14px 18px;background:#389bbd0f;border-left:3px solid var(--teal)}.ref-highlight p{font-size:13px;line-height:1.6;color:var(--dark-gray);font-weight:700}.ehds-banner{display:grid;grid-template-columns:2fr 1fr;gap:40px;align-items:center}.ehds-content .section-tag{margin-bottom:12px}.ehds-content h3{font-size:clamp(22px,2.5vw,30px);font-weight:900;color:var(--white);line-height:1.2;margin-bottom:18px}.ehds-content h3 em{font-style:normal;color:var(--teal)}.ehds-content p{font-size:15px;line-height:1.7;color:#ffffffa6;margin-bottom:14px}.ehds-stats{display:grid;grid-template-columns:1fr 1fr;gap:16px}.ehds-stat{text-align:center;padding:20px 14px;background:#ffffff0a;border:1px solid rgba(255,255,255,.08)}.ehds-stat-val{font-size:28px;font-weight:900;color:var(--teal);margin-bottom:6px}.ehds-stat-lbl{font-size:11px;color:#ffffff80;line-height:1.4}