.ref-hero { position: relative; overflow: hidden; background: var(--ink-hero); color: var(--on-dark); padding: 88px 0 70px; }
.ref-hero .wrap { position: relative; z-index: 2; }
.ref-hero h1 { margin-top: 16px; font-size: clamp(38px, 9vw, 60px); color: var(--on-dark); max-width: 18em; }
.ref-hero__lead { margin-top: 20px; max-width: 42em; color: var(--on-dark-soft); font-size: 16.5px; }
.ref-hero__cta { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 14px; }
.ref-hero__stats { margin-top: 48px; display: flex; flex-wrap: wrap; gap: 28px; }

@media (max-width: 999.98px) {
  .ref-hero__stats { display: none; }
  .ref-hero .hero-photo img { object-position: 0% 60%; }
}

@media (min-width: 1000px) {
  .ref-hero .eyebrow, .ref-hero h1, .ref-hero__lead, .ref-hero__cta, .ref-hero__stats { max-width: 58%; }
  .ref-hero .hero-photo img { object-position: 10% 60%; }
}
.ref-stat { padding-top: 18px; border-top: 2px solid var(--red); }
.ref-stat__n { font-family: var(--cond); font-weight: 800; font-size: clamp(30px, 5vw, 40px); line-height: 1; color: var(--on-dark); }
.ref-stat__l { margin-top: 8px; font: 600 12px/1.3 var(--sans); letter-spacing: .04em; text-transform: uppercase; color: var(--on-dark-soft); max-width: 14em; }

.ref-role { background: var(--white); padding: 74px 0; }
.ref-role__grid { display: grid; grid-template-columns: 1fr; gap: 36px; align-items: center; }
.ref-role__body h2 { margin-top: 16px; font-size: clamp(32px, 6vw, 46px); color: var(--text-dark); }
.ref-role__body p { margin-top: 18px; color: var(--text-soft); font-size: 16.5px; }
.ref-role__cta { margin-top: 26px; }
.ref-role__media { aspect-ratio: 4 / 3; }
.ref-role__media img { width: 100%; height: 100%; object-fit: cover; }

.ref-steps { background: var(--gray-cards); padding: 74px 0; }
.ref-steps__head { max-width: 680px; }
.ref-steps__head h2 { margin-top: 16px; font-size: clamp(34px, 7vw, 50px); color: var(--text-dark); }
.ref-steps__row { margin-top: 40px; display: flex; flex-direction: column; align-items: stretch; gap: 20px; }
.ref-flow-step { background: var(--white); border: 1px solid var(--line-light); padding: 28px 24px; text-align: center; flex: 1; }
.ref-flow-step__n { width: 44px; height: 44px; margin: 0 auto; border-radius: 50%; background: var(--red); color: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--cond); font-weight: 800; font-size: 18px; }
.ref-flow-step h3 { margin-top: 16px; font-family: var(--cond); font-weight: 700; text-transform: uppercase; font-size: 19px; color: var(--text-dark); }
.ref-flow-step p { margin-top: 8px; color: var(--text-soft); font-size: 14px; }
.ref-flow-arrow { display: none; align-items: center; justify-content: center; color: var(--red); flex: 0 0 auto; }
.ref-flow-arrow svg { width: 22px; height: 22px; }

.ref-who { background: var(--ink-why); color: var(--on-dark); padding: 74px 0; }
.ref-who__head { max-width: 720px; margin-bottom: 42px; }
.ref-who__head h2 { margin-top: 16px; font-size: clamp(34px, 7vw, 50px); color: var(--on-dark); }
.ref-who__grid { display: grid; grid-template-columns: 1fr; gap: 14px; }

.ref-trust { background: var(--white); padding: 74px 0; }
.ref-trust__head { max-width: 680px; }
.ref-trust__head h2 { margin-top: 16px; font-size: clamp(34px, 7vw, 50px); color: var(--text-dark); }
.ref-trust__grid { margin-top: 34px; display: grid; grid-template-columns: 1fr; }
.ref-trust__item { display: flex; align-items: flex-start; gap: 14px; padding: 22px 4px; border-top: 1px solid var(--line-light); }
.ref-trust__item svg { width: 24px; height: 24px; flex: none; color: var(--red); margin-top: 2px; }
.ref-trust__item h3 { font-family: var(--cond); font-weight: 700; text-transform: uppercase; font-size: 17px; color: var(--text-dark); }
.ref-trust__item p { margin-top: 6px; color: var(--text-soft); font-size: 14.5px; }

.ref-close { background: var(--red); color: #fff; padding: 64px 0; text-align: center; }
.ref-close__in { max-width: 700px; margin: 0 auto; }
.ref-close h2 { font-size: clamp(30px, 6vw, 44px); color: #fff; }
.ref-close p { margin-top: 14px; color: rgba(255,255,255,.9); font-size: 17px; }
.ref-close__cta { margin-top: 26px; }

.ref-form-section { background: var(--white); padding: 74px 0; }
.ref-form-section__grid { display: grid; grid-template-columns: 1fr; gap: 36px; }
.ref-form-section__head h2 { margin-top: 16px; font-size: clamp(32px, 6vw, 46px); color: var(--text-dark); }
.ref-form-section__head p { margin-top: 16px; color: var(--text-soft); font-size: 16px; max-width: 32em; }
.ref-form { display: flex; flex-direction: column; gap: 18px; }
.ref-form[hidden] { display: none; }
.ref-form__submit { justify-content: center; }

@media (min-width: 640px) {
  .ref-who__grid { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 1000px) {
  .ref-role__grid { grid-template-columns: 1fr 1fr; gap: 60px; }
  .ref-steps__row { flex-direction: row; align-items: center; }
  .ref-flow-arrow { display: flex; }
  .ref-who__grid { grid-template-columns: repeat(4, 1fr); }
  .ref-form-section__grid { grid-template-columns: 1fr 1fr; gap: 60px; }
}