.ref-wrap{background:#f7f1ee;color:#111; padding: 50px 20px;}
    .ref-con{max-width:1120px;margin:0 auto;display:grid;gap:34px}
    /* .ref-eyebrow{text-align:center;letter-spacing:.18em;text-transform:uppercase;font-weight:800;font-size:12px;color:#3E5FB9} */
 .ref-title {
    /* margin: 0; */
    text-align: center;
    font-weight: 800;
    font-size: clamp(24px,4vw,34px);
    letter-spacing: .02em;
    color: rgb(217, 85, 82);
}
.ref-lead {
    max-width: 80ch;
    margin: 20px auto;
    text-align: center;
    opacity: 1;
    font-size: 20px;
}
    .ref-grid{display:grid;grid-template-columns:1fr;gap:16px}
    @media(min-width:860px){.ref-grid{grid-template-columns:1fr 1fr}}
    .ref-card{background:#fff;border:1px solid rgba(62,95,185,.18);border-radius:16px;padding:18px;display:grid;gap:10px;transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
    .ref-card:hover{transform:translateY(-4px);box-shadow:0 12px 26px rgba(62,95,185,.12);border-color:#3E5FB9}
    .ref-h3{margin:0;display:flex;align-items:center;gap:10px;font-weight:80.ref-h30;font-size:22px;color:#3E5FB9}
    .ref-ico{width:28px;height:28px;display:inline-grid;place-items:center;border-radius:8px;background:linear-gradient(180deg,rgba(62,95,185,.08),rgba(62,95,185,.03));border:1px solid rgba(62,95,185,.18);color:#3E5FB9}
    .ref-ico svg{width:16px;height:16px}
    .ref-p{margin:0;opacity:.85;font-size:13px}
    .ref-list{display:grid;gap:6px}
    .ref-li{display:grid;grid-template-columns:120px 1fr;gap:10px;align-items:center}
    .ref-k{font-size:17px}
    .ref-v{font-weight:700;font-size:17px}
    .ref-badge{display:inline-flex;align-items:center;gap:8px;border:2px solid #3E5FB9;color:#3E5FB9;background:#fff;border-radius:999px;padding:8px 14px;font-weight:800;text-decoration:none;transition:transform .15s ease,background .2s ease,color .2s ease,border-color .2s ease}
    .ref-badge:hover{background:#d45b52;border-color:#d45b52;color:#fff;transform:translateY(-1px)}
    .ref-chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
    .ref-subtitle{margin:30px 0;text-align:center;font-weight:800;font-size:clamp(32px,3vw,30px); color: rgb(217, 85, 82);}
    .ref-note{text-align:center;font-size:17px;}
    .ref-pol{display:grid;gap:18px}
    .ref-polGrid{display:grid;grid-template-columns:1fr;gap:12px}
    @media(min-width:740px){.ref-polGrid{grid-template-columns:repeat(3,1fr)}}
    .ref-chip{display:flex;justify-content:center}
    .ref-cta{display:grid;gap:8px;justify-items:center}
    .ref-phone{font-weight:800}
    .ref-btn{display:inline-block;background:#3E5FB9;color:#fff;border:2px solid #3E5FB9;border-radius:999px;padding:10px 18px;font-weight:800;text-decoration:none;transition:transform .15s ease,opacity .2s ease}
    .ref-btn:hover{transform:translateY(-1px);opacity:.95}
    .ref-divider{height:1px;background:rgba(0,0,0,.08);margin:4px 0 0}
    .ref-block{background:#fff;border:1px solid rgba(0,0,0,.08);border-radius:16px;padding:18px}
    .ref-phones{display:grid;grid-template-columns:1fr;gap:22px}
    @media(min-width:860px){.ref-phones{grid-template-columns:1fr 1fr}}
    .ref-line{height:1px;background:rgba(0,0,0,.12);margin:10px 0}
    .ref-num{font-size:18px;font-weight:800;color:#3E5FB9}
    .ref-sites{display:grid;grid-template-columns:1fr;gap:22px;}
    @media(min-width:860px){.ref-sites{grid-template-columns:1fr 1fr}}
    .ref-site{background:#fff;border:1px solid rgba(0,0,0,.08);border-radius:14px;padding:16px;display:grid;gap:8px}
.ref-site h4 {
    margin: 0;
    font-size: 20px;
    font-weight: 800;
}
    .ref-site p{margin:0;font-size:12px;opacity:.8}
    .ref-site a{justify-self:start}
    .ref-reveal{opacity:0;transform:translateY(10px);transition:opacity .5s ease,transform .5s ease}
    .ref-in{opacity:1;transform:none}
        @media(max-width:460px){
            .ref-li {
    display: grid;
    grid-template-columns: 74px 1fr;
    gap: 10px;
    align-items: center;
}
        }