.hrt-nzr{background:#fffdf9;color:#000}.hrt-nzr *{box-sizing:border-box}.hrt-nzr__inner{display:flex;flex-direction:column;gap:28px;width:100%;margin:auto}.hrt-nzr__header{text-align:center}.hrt-nzr__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-nzr svg{fill:currentColor}.hrt-nzr__title{margin:0;font-size:clamp(30px,4vw,48px);line-height:1.12}.hrt-nzr__highlight,.hrt-nzr__icon{color:#ff9600}.hrt-nzr__description{max-width:850px;margin:15px auto 0;color:#4a4a4a;font-size:17px;line-height:1.7}.hrt-nzr__grid{--hrt-nzr-columns:3;--hrt-nzr-card-gap:20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:var(--hrt-nzr-card-gap)}.hrt-nzr__grid--balanced{display:flex;flex-wrap:wrap;align-items:stretch}.hrt-nzr__grid--balanced>.hrt-nzr__card{flex:0 0 auto;min-width:0}.hrt-nzr__grid--fixed{align-items:stretch}.hrt-nzr__grid--fixed>.hrt-nzr__card,.hrt-nzr__grid--auto>.hrt-nzr__card{height:100%}.hrt-nzr__card{height:100%;padding:30px 28px;border:1px solid #f0e4d3;border-radius:22px;background:#fff;text-align:center}.hrt-nzr__card-link{display:block;height:100%;color:inherit;text-decoration:none}.hrt-nzr__card-link:focus-visible{outline:3px solid #ff9600;outline-offset:5px}.hrt-nzr__icon{display:inline-flex;margin-bottom:14px;font-size:40px}.hrt-nzr__image{margin-bottom:16px}.hrt-nzr__image img{display:block;width:100%;height:150px;border-radius:14px;object-fit:cover}.hrt-nzr__card h3{margin:0 0 9px;font-size:20px}.hrt-nzr__card-text{color:#4a4a4a;line-height:1.65}.hrt-nzr__fee{margin-top:14px;color:#ff9600;font-weight:800}.hrt-nzr__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-nzr__guidance h3{margin:0 0 7px}.hrt-nzr__checklist{padding:24px 26px;border:1px solid #f0e4d3;border-radius:18px;background:#fff}.hrt-nzr__checklist h3{margin:0 0 12px}.hrt-nzr__checklist ul{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:12px 24px;margin:0;padding:0;list-style:none}.hrt-nzr__checklist li{display:flex;gap:9px;line-height:1.55}.hrt-nzr__check{color:#22a55a}.hrt-nzr__disclaimer{padding:13px 17px;border-radius:12px;background:#f5f5f5;color:#666;font-size:13px;text-align:center}.hrt-nzr__cta{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:18px;padding:20px 24px;border-radius:18px;background:#fff1db;text-align:center}.hrt-nzr__cta-text{color:#000;font-size:17px}.hrt-nzr__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;transition:transform .2s ease,background-color .2s ease,color .2s ease}.hrt-nzr__button:hover{background:#df7615;color:#000;transform:translateY(-2px)}@media(max-width:767px){.hrt-nzr__grid,.hrt-nzr__checklist ul{grid-template-columns:1fr}.hrt-nzr__cta{align-items:stretch}.hrt-nzr__button{width:100%}}@media(prefers-reduced-motion:reduce){.hrt-nzr__card,.hrt-nzr__button{transition:none!important;transform:none!important}}