.card-grid {
    display: grid;
    gap: 1.25rem;
}

.card-grid-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.card-grid-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.card-grid-2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card,
.panel {
    background: #ffffff;
    border: 1px solid var(--sfs-border);
    border-radius: 1rem;
    padding: 1.4rem;
    box-shadow: var(--sfs-card-shadow);
}

.panel {
    padding: 1.5rem;
}

    .card h3,
    .panel h3 {
        font-size: 1.15rem;
        margin-bottom: 0.6rem;
    }

    .card p,
    .panel p {
        color: var(--sfs-muted);
    }

.credibility-strip {
    border-top: 1px solid var(--sfs-border);
    border-bottom: 1px solid var(--sfs-border);
    background: var(--sfs-strip-bg);
}

.credibility-items {
    min-height: 72px;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 1rem 2rem;
    padding: 1rem 0;
    color: #29455f;
    font-weight: 700;
    text-align: center;
}

.process-row {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 0.9rem;
    margin-bottom: 1.5rem;
}

.process-step {
    background: var(--sfs-blue-gradient);
    color: #ffffff;
    border-radius: 999px;
    text-align: center;
    padding: 0.9rem 1rem;
    font-weight: 700;
    white-space: nowrap;
    border: 1px solid var(--sfs-blue-border);
    box-shadow: var(--sfs-blue-shadow);
    transition: transform 0.28s ease, box-shadow 0.28s ease, opacity 0.55s ease;
}

@media (hover: hover) and (pointer: fine) {
    .process-step:hover {
        transform: translateY(-2px);
        box-shadow: 0 16px 30px rgba(9, 25, 40, 0.24), inset 0 1px 0 rgba(255, 255, 255, 0.14);
    }
}