.hrt-urr{background:#fffdf9;color:#000}.hrt-urr *{box-sizing:border-box}.hrt-urr__inner{display:flex;flex-direction:column;gap:28px;width:100%;margin:auto}.hrt-urr__header{text-align:center}.hrt-urr__badge{display:inline-flex;align-items:center;gap:8px;margin-bottom:12px;padding:7px 15px;border-radius:99px;background:#fff1db;color:#a85c00;font-size:12px;font-weight:800;text-transform:uppercase}.hrt-urr svg{fill:currentColor}.hrt-urr__title{margin:0;font-size:clamp(30px,4vw,48px);line-height:1.12}.hrt-urr__highlight,.hrt-urr__icon{color:#ff9600}.hrt-urr__description{max-width:850px;margin:15px auto 0;color:#4a4a4a;font-size:17px;line-height:1.7}.hrt-urr__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.hrt-urr__card{padding:26px 24px;border:1px solid #f0e4d3;border-radius:22px;background:#fff}.hrt-urr__icon{display:inline-flex;margin-bottom:14px;font-size:30px}.hrt-urr__card h3{margin:0 0 9px;font-size:20px}.hrt-urr__card-text{color:#4a4a4a;line-height:1.65}.hrt-urr__guidance{display:flex;gap:15px;padding:24px 26px;border-left:4px solid #ff9600;border-radius:18px;background:#fff1db;color:#333;line-height:1.7}.hrt-urr__guidance h3{margin:0 0 7px}.hrt-urr__checklist{padding:24px 26px;border:1px solid #f0e4d3;border-radius:18px;background:#fff}.hrt-urr__checklist h3{margin:0 0 12px}.hrt-urr__checklist ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 24px;margin:0;padding:0;list-style:none}.hrt-urr__checklist li{display:flex;gap:9px;line-height:1.55}.hrt-urr__check{color:#22a55a}.hrt-urr__disclaimer{padding:13px 17px;border-radius:12px;background:#f5f5f5;color:#666;font-size:13px;text-align:center}.hrt-urr__cta{display:flex;justify-content:center}.hrt-urr__button{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:99px;background:#ff9600;color:#000;font-weight:700;text-decoration:none}.hrt-urr__button:hover{background:#df7615;color:#000}@media(max-width:767px){.hrt-urr__grid,.hrt-urr__checklist ul{grid-template-columns:1fr}.hrt-urr__button{width:100%}}