.process-section{padding:70px 24px 115px;scroll-margin-top:100px}
.process-panel{position:relative;max-width:1600px;margin:auto;padding:clamp(42px,6vw,96px) clamp(22px,5vw,86px) clamp(48px,6vw,90px);border-radius:clamp(22px,3vw,42px);overflow:hidden;background:radial-gradient(ellipse at 86% 5%,#dceaff 0,transparent 34%),radial-gradient(ellipse at 6% 100%,#e6eefb 0,transparent 42%),#eef3fa;box-shadow:inset 0 0 0 1px #fff9,0 25px 70px #152d5412}
.process-panel:before{content:"";position:absolute;inset:0;opacity:.23;pointer-events:none;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 180 180' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.45' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.1'/%3E%3C/svg%3E")}
.process-panel .wrap{position:relative;max-width:1390px}
.process-heading{text-align:center;max-width:900px;margin:0 auto 70px}
.process-heading .eyebrow{color:#365d9c}
.process-heading h2{font-family:'DM Serif Display',Georgia,serif;font-size:clamp(3rem,5.8vw,5.9rem);font-weight:400;line-height:1.02;letter-spacing:-.048em;margin:20px 0 22px;color:#18243a}
.process-heading h2 em{font-style:normal;color:#3767bd}
.process-heading p{font-size:clamp(1rem,1.4vw,1.25rem);color:#52637c;line-height:1.5;margin:0 auto;max-width:690px}
.process-grid{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(13px,1.7vw,27px)}
.process-grid:before{content:"";position:absolute;top:73px;left:12%;right:12%;height:2px;background:linear-gradient(90deg,#9ebef4,#3569c2 46%,#92b8ee);box-shadow:0 0 17px #5d96e48c}
.process-card{position:relative;min-height:300px;padding:35px clamp(20px,2vw,32px) 28px;background:#fffdfb;border:1px solid #fff;border-radius:19px;box-shadow:0 17px 34px #18335c13,0 2px 4px #1c397417;transition:transform .45s cubic-bezier(.2,.8,.2,1),box-shadow .45s,border-color .45s;isolation:isolate;overflow:hidden}
.process-card:hover{transform:translateY(-10px);box-shadow:0 29px 48px #18335c21,0 3px 5px #1c397415;border-color:#bad0f3}
.process-card:after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:linear-gradient(90deg,#265bcc,#8ab4f9);transform:scaleX(.22);transform-origin:left;transition:transform .5s cubic-bezier(.2,.8,.2,1)}
.process-card:hover:after{transform:scaleX(1)}
.process-icon{position:relative;z-index:1;width:76px;height:76px;display:grid;place-items:center;border-radius:50%;margin:0 auto 48px;background:#1d3b70;color:#eaf2ff;border:6px solid #eef3fa;box-shadow:0 8px 20px #19467d28,0 0 0 1px #8daee6;transition:transform .45s,background .45s}
.process-card:hover .process-icon{transform:scale(1.09) rotate(-5deg);background:#356bca}
.process-icon svg{width:31px;height:31px;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;fill:none}
.process-meta{display:flex;justify-content:space-between;align-items:baseline;gap:8px;margin-bottom:12px;color:#5778ad;font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase}
.process-meta b{color:#bdd0eb;font-size:1rem;letter-spacing:0}
.process-card h3{font-size:clamp(1.08rem,1.45vw,1.32rem);line-height:1.24;letter-spacing:-.02em;color:#172339;margin:0 0 11px}
.process-card p{font-size:.94rem;line-height:1.52;color:#617087;margin:0}
.process-bottom{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:35px;color:#526580;font-size:.9rem}
.process-bottom p{margin:0}
.process-bottom a{display:inline-flex;align-items:center;gap:13px;color:#183764;font-weight:700;text-decoration:none;border-bottom:1px solid #648bc3;padding-bottom:5px;white-space:nowrap;transition:gap .25s,color .25s}
.process-bottom a:hover{gap:20px;color:#376bca}
@media(max-width:900px){.process-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.process-grid:before{display:none}.process-heading{margin-bottom:42px}.process-card{min-height:272px}.process-icon{margin-bottom:35px}}
@media(max-width:600px){.process-section{padding:45px 14px 75px}.process-panel{padding:55px 22px 48px;border-radius:26px}.process-heading{text-align:left;margin-bottom:36px}.process-heading h2{font-size:clamp(2.9rem,11vw,4rem)}.process-grid{grid-template-columns:1fr;gap:13px}.process-grid:before{display:none}.process-card{min-height:0;padding:25px 24px}.process-icon{width:56px;height:56px;border-width:5px;margin:0 0 20px;box-shadow:0 3px 9px #19467d25}.process-icon svg{width:23px;height:23px}.process-card h3{font-size:1.22rem}.process-bottom{align-items:flex-start;flex-direction:column;gap:18px;margin-top:30px}}
.process-card.reveal-ready{opacity:0;transform:translateY(26px);transition:opacity .75s ease,transform .75s cubic-bezier(.2,.8,.2,1),box-shadow .45s;transition-delay:var(--reveal-delay,0ms)}
.process-card.reveal-ready.in-view{opacity:1;transform:none}
.process-card.reveal-ready.in-view:hover{transform:translateY(-10px)}
@media(prefers-reduced-motion:reduce){.process-card,.process-icon,.process-card:after,.process-bottom a{transition:none}}