.hml-returns{--r-ink:#0f2c3f;--r-mut:#5b7385;--r-line:#e3ebf1;--r-bg:#f5f9fb;--r-acc:#0d7ea8;--r-acc2:#0aa06e;font-family:Inter,system-ui,sans-serif;color:var(--r-ink)}
.hml-returns .hmlr-wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.hmlr-hero{background:linear-gradient(135deg,#0d7ea8,#0f5f80);color:#fff;padding:56px 0 48px;margin-bottom:44px}
.hmlr-hero h1{font-family:Poppins,sans-serif;font-weight:800;font-size:clamp(28px,4vw,44px);margin:8px 0 12px;color:#fff;line-height:1.15}
.hmlr-eyebrow{display:inline-block;background:rgba(255,255,255,.18);border-radius:999px;padding:5px 14px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.hmlr-lead{font-size:16px;line-height:1.6;max-width:62ch;color:rgba(255,255,255,.92);margin:0}
.hml-returns .hmlr-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-bottom:clamp(44px,6vw,72px)}
.hmlr-card{background:#fff;border:1px solid var(--r-line);border-radius:14px;padding:22px}
.hmlr-ico{font-size:28px;display:block;margin-bottom:10px}
.hmlr-card h3{font-family:Poppins,sans-serif;font-size:16px;font-weight:700;margin:0 0 8px}
.hmlr-card p{font-size:15px;line-height:1.6;color:var(--r-mut);margin:0}
.hml-returns .hmlr-steps{margin-bottom:clamp(48px,6vw,80px)}
.hmlr-steps h2,.hmlr-cta h2{font-family:Poppins,sans-serif;font-weight:700;font-size:clamp(22px,3vw,30px);margin:0 0 24px}
.hmlr-stepgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.hmlr-step{background:var(--r-bg);border-radius:14px;padding:22px;position:relative}
.hmlr-num{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:var(--r-acc);color:#fff;font-weight:700;font-size:14px;margin-bottom:12px}
.hmlr-step h4{font-family:Poppins,sans-serif;font-size:16px;margin:0 0 6px}
.hmlr-step p{font-size:14px;line-height:1.6;color:var(--r-mut);margin:0}
.hml-returns .hmlr-prose{margin-bottom:clamp(44px,6vw,72px);font-size:16px;line-height:1.75;color:#33475b}
.hmlr-prose h2{font-family:Poppins,sans-serif;font-size:24px;margin:34px 0 12px;color:var(--r-ink)}
.hmlr-prose h3{font-family:Poppins,sans-serif;font-size:18px;margin:26px 0 10px;color:var(--r-ink)}
.hmlr-prose ul,.hmlr-prose ol{padding-left:22px}
.hmlr-prose li{margin-bottom:7px}
.hmlr-prose a{color:var(--r-acc);text-decoration:underline}
.hmlr-cta{background:var(--r-bg);border-top:1px solid var(--r-line);padding:clamp(44px,6vw,64px) 0;text-align:center}
.hmlr-cta h2{margin-bottom:12px}
.hmlr-cta p{color:var(--r-mut);margin:0 auto 24px;font-size:16px;max-width:60ch}
.hmlr-btns{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.hmlr-btn{display:inline-block;padding:13px 24px;border-radius:10px;font-weight:600;font-size:15px;text-decoration:none}
.hmlr-btn--wa{background:var(--r-acc2);color:#fff}
.hmlr-btn--ghost{background:#fff;color:var(--r-ink);border:1px solid var(--r-line)}
@media(max-width:600px){.hmlr-hero{padding:40px 0 34px}}