.hm-tools{margin:44px auto 36px}
.hm-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:18px}
.hm-head h2{margin:.2rem 0 0;font-size:clamp(1.6rem,2.6vw,2.2rem);letter-spacing:-1px;line-height:1.1}
.hm-head a{font-weight:700;font-size:14px;text-decoration:none;color:#1477f8;white-space:nowrap}
.hm-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.hm-card{display:flex;flex-direction:column;gap:6px;padding:20px 20px 18px;border:1px solid #d5e4ef;border-top:4px solid var(--c,#1477f8);border-radius:16px;background:#fff;text-decoration:none;color:#102f4e;transition:transform .2s,box-shadow .2s}
.hm-card:hover{transform:translateY(-3px);box-shadow:0 12px 24px rgba(24,68,99,.12)}
.hm-card small{font:800 11px "DM Sans",sans-serif;letter-spacing:.1em;color:#54718a;text-transform:uppercase}
.hm-card h3{margin:0;font-size:1.12rem;line-height:1.2;letter-spacing:-.3px}
.hm-card p{margin:0;color:#567189;font-size:14px;line-height:1.5}
.hm-card b{margin-top:auto;padding-top:8px;font-size:14px;color:var(--c,#1477f8)}
.hm-card--a{--c:#1675ff}.hm-card--b{--c:#6950d8}.hm-card--c{--c:#0f9a79}.hm-card--d{--c:#d98a00}
.hm-band{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:0 auto 56px}
.hm-band a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 24px;border-radius:16px;background:#e3f0fd;color:#102f4e;text-decoration:none}
.hm-band a+a{background:#eef0fb}
.hm-band strong{display:block;font-size:1.1rem;line-height:1.2;margin-bottom:4px}
.hm-band span{font-size:14px;color:#54718a;line-height:1.45}
.hm-band b{color:#1477f8;white-space:nowrap}
@media(max-width:900px){.hm-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.hm-grid,.hm-band{grid-template-columns:1fr}.hm-head{align-items:flex-start;flex-direction:column;gap:6px}.hm-tools{margin-bottom:32px}}