.balm-wrap,.balm-home-add-on {--balm-navy:#10294d;--balm-blue:#0d58ad;--balm-ice:#eaf5ff;--balm-border:#d8e6f4;--balm-ink:#152b46; color:var(--balm-ink);font-family:inherit;line-height:1.58}
.balm-wrap{max-width:1160px;margin:30px auto 70px;padding:0 22px}
.balm-wrap *,.balm-home-add-on *{box-sizing:border-box}
.balm-hero{padding:clamp(30px,5.5vw,70px);border-radius:24px;background:radial-gradient(circle at 85% 20%,#258cbe 0%,transparent 40%),linear-gradient(118deg,#0b2345,#07549d);color:#fff;margin-bottom:32px;box-shadow:0 18px 46px rgba(5,45,91,.12)}
.balm-hero h1{font-size:clamp(29px,4vw,49px);line-height:1.16;color:#fff;margin:12px 0 15px;font-weight:800;max-width:820px}
.balm-hero p{font-size:clamp(16px,1.5vw,19px);max-width:690px;margin:0;color:#e4efff}
.balm-kicker,.balm-small-label{font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:#78d8ff}
.balm-panel{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:clamp(22px,3vw,36px);border:1px solid var(--balm-border);border-radius:20px;margin:22px 0 34px;background:#fff}
.balm-panel-emphasis{background:linear-gradient(110deg,#f0f8ff,#fff)}
.balm-panel h2,.balm-tips h2{margin:4px 0 12px;color:var(--balm-navy);font-size:clamp(22px,3vw,29px);line-height:1.23}
.balm-panel p{margin:0;max-width:670px;color:#48627a}
.balm-panel .balm-small-label{color:var(--balm-blue)}
.balm-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:18px 0 30px}
.balm-card{padding:25px 23px;background:#fff;border:1px solid var(--balm-border);box-shadow:0 8px 23px rgba(8,46,88,.055);border-radius:18px;display:flex;flex-direction:column;gap:10px;min-width:0}
.balm-card-icon{height:52px;width:52px;display:grid;place-items:center;font-size:26px;border-radius:15px;background:#eaf5ff}
.balm-card h3{font-size:20px;color:var(--balm-navy);font-weight:800;line-height:1.25;margin:4px 0 0}
.balm-card p{font-size:15px;line-height:1.6;color:#53667d;flex:1;margin:0}
.balm-btn,.balm-btn:visited{display:inline-flex;align-items:center;justify-content:center;gap:11px;text-decoration:none!important;font-size:14px;font-weight:800;border-radius:11px;padding:13px 18px;min-height:46px;transition:transform .12s ease,box-shadow .12s ease;white-space:normal}
.balm-btn:hover{transform:translateY(-1px);box-shadow:0 7px 16px rgba(9,70,138,.15)}
.balm-btn-primary,.balm-btn-primary:visited{background:#0b5eae;color:#fff!important}
.balm-btn-outline,.balm-btn-outline:visited{background:#eaf4ff;color:#114e8c!important}
.balm-btn:focus-visible{outline:3px solid #fdbe50;outline-offset:3px}
.balm-card .balm-btn{margin-top:8px;align-self:flex-start}
.balm-action-stack{flex-shrink:0}
.balm-tips{padding:28px 32px;background:#f6faff;border-radius:18px;margin:28px 0;border-left:4px solid #0b5eae}
.balm-tips ul{padding-left:22px;margin:10px 0 0}
.balm-tips li{margin:8px 0}.balm-tips p{margin:0}
.balm-section-title{font-size:27px;margin:40px 0 12px;color:var(--balm-navy)}
.balm-disclosure{font-size:12px;color:#6b7b8d;max-width:790px;border-top:1px solid var(--balm-border);padding-top:20px;margin-top:25px}
.balm-home-add-on{padding:52px 20px;background:linear-gradient(120deg,#ebf7ff,#f7fbff);margin:20px 0}
.balm-home-container{max-width:1200px;margin:auto}.balm-home-add-on .balm-kicker{color:#0b5eae}
.balm-home-add-on h2{font-size:clamp(28px,3vw,38px);color:#112b50;line-height:1.25;margin:5px 0}
.balm-home-add-on p{margin:6px 0 0;color:#53667d}.balm-home-add-on .balm-grid{margin:22px 0 0}
@media(max-width:850px){.balm-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.balm-panel{flex-direction:column;align-items:flex-start}}
@media(max-width:580px){.balm-wrap{padding:0 14px;margin:20px auto}.balm-grid{grid-template-columns:1fr;gap:14px}.balm-hero{border-radius:16px}.balm-panel{padding:22px}.balm-tips{padding:21px}.balm-btn{width:100%}}