.vfo-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin:1.5em 0}
.vfo-card{border:1px solid #e3e6ea;border-radius:8px;padding:16px;background:#fff;display:flex;flex-direction:column;gap:8px}
.vfo-card h3{margin:0;font-size:1.05em;line-height:1.4}
.vfo-card h3 a{text-decoration:none}
.vfo-card p{margin:0;font-size:.9em;color:#444}
.vfo-card .vfo-meta{font-size:.8em;color:#666}
.vfo-chip{display:inline-block;border:1px solid #d5dae0;border-radius:999px;padding:2px 10px;font-size:.78em;margin:0 6px 6px 0;text-decoration:none;color:inherit;background:#f7f8fa}
.vfo-badge{display:inline-block;background:#0b6b3a;color:#fff;border-radius:4px;padding:1px 8px;font-size:.75em;margin-left:6px;vertical-align:middle}
.vfo-btn{display:inline-block;background:#d9480f;color:#fff!important;border-radius:6px;padding:10px 18px;text-decoration:none;font-weight:700}
.vfo-btn--ghost{background:#fff;color:#d9480f!important;border:1px solid #d9480f}
.vfo-filter{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px;margin:1em 0;padding:14px;border:1px solid #e3e6ea;border-radius:8px;background:#f7f8fa}
.vfo-filter label{font-size:.8em;display:block;margin-bottom:2px}
.vfo-filter select{width:100%}
.vfo-filter .vfo-filter__actions{display:flex;align-items:end;gap:8px}
.vfo-breadcrumb{font-size:.8em;margin:0 0 1em;color:#666}
.vfo-breadcrumb a{color:inherit}
.vfo-facts{width:100%;border-collapse:collapse;margin:1em 0}
.vfo-facts th,.vfo-facts td{border:1px solid #e3e6ea;padding:8px 10px;text-align:left;font-size:.92em;vertical-align:top}
.vfo-facts th{width:32%;background:#f7f8fa}
.vfo-why{border-left:4px solid #0b6b3a;background:#f2faf5;padding:12px 16px;margin:1.5em 0}
.vfo-why ul{margin:.4em 0 0 1.2em}
.vfo-note{font-size:.8em;color:#666}
.vfo-cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:12px;margin:1.5em 0}
.vfo-cat-grid a{border:1px solid #e3e6ea;border-radius:8px;padding:14px;text-decoration:none;color:inherit;background:#fff}
.vfo-cat-grid strong{display:block}
.vfo-cat-grid span{font-size:.8em;color:#666}
.vfo-qf{background:#fff;border:1px solid #ecd9a8;border-top:4px solid #c62d1f;border-radius:8px;padding:18px}
.vfo-qf label{font-size:.8em;display:block;margin:8px 0 2px}.vfo-qf select{width:100%;padding:8px}
.vfo-qf button{width:100%;margin-top:12px;border:0;cursor:pointer}.vfo-qf small{display:block;margin-top:8px;color:#666;font-size:.78em}
.vfo-rg{display:grid;gap:10px;margin:1em 0}.vfo-rg a{display:flex;justify-content:space-between;align-items:center;border:1px solid #e3e6ea;border-radius:8px;padding:12px 14px;text-decoration:none;background:#fff;color:inherit}.vfo-rg i{font-style:normal;color:#c62d1f;font-weight:700;white-space:nowrap}
.vfo-hero__in{max-width:960px;margin:0 auto;display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:center}
@media(max-width:800px){.vfo-hero__in{grid-template-columns:1fr;gap:20px}}
.vfo-hi{color:#c62d1f;font-weight:700;font-size:.9em;letter-spacing:.04em;margin:0}
.vfo-hero h1{margin:.2em 0 .4em;font-size:2em;line-height:1.3}
.vfo-trust{font-size:.82em;color:#444}
.vfo-av{flex:none;width:64px;height:64px;border-radius:50%;background:#c62d1f;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.4em;border:3px solid #e8a923}
.vfo-person p{margin:0}
.vfo-cta-band h2{color:#fff}