.talk-hero{padding:2.3rem 0 2.6rem;background:#eef1f4}
.talk-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:1.6rem;align-items:start}
.talk-grid h1{font-size:clamp(1.25rem,3vw,1.65rem);font-weight:800;margin-bottom:.55rem}
.talk-grid p{color:#5a6570;font-size:.92rem;margin-bottom:1rem;line-height:1.65}
.rate{width:100%;border-collapse:collapse;font-size:.76rem;background:#fff;margin-top:.8rem}
.rate th,.rate td{border:1px solid #d4dae2;padding:.4rem .5rem;text-align:center}
.rate th{background:#121820;color:#3ecf8e}
.up{color:#1b6b4a;font-weight:800}
.talk-shot img{width:100%;border:1px solid #d4dae2;background:#fff;padding:.4rem}
.bub{margin-top:.6rem;background:#121820;color:#9aa8b6;padding:.7rem .85rem;font-size:.8rem}
.bub b{color:#3ecf8e}

.quote{display:flex;flex-direction:column;gap:.7rem}
.qt{display:grid;grid-template-columns:88px 1fr 120px;gap:1rem;align-items:center;background:#fff;border:1px solid #d4dae2;padding:1rem 1.1rem}
.qt-id{font-size:.72rem;font-weight:800;color:#1b6b4a;line-height:1.35}
.qt h2{font-size:.92rem;font-weight:800;margin-bottom:.2rem}
.qt p{font-size:.84rem;color:#5a6570}
.qt img{width:100%;border:1px solid #d4dae2}

.ft-bk{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem}
.ft-s{background:#121820;color:#e8edf2;padding:1rem;text-align:center}
.ft-s strong{display:block;font-size:.7rem;color:#3ecf8e;margin-bottom:.3rem}
.ft-s h3{font-size:.88rem;font-weight:800;margin-bottom:.25rem}
.ft-s p{font-size:.78rem;color:#9aa8b6}

.ft-col{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.ft-col-c{background:#fff;border:1px solid #d4dae2}
.ft-col-c h3{padding:.5rem .9rem;background:#121820;color:#3ecf8e;font-size:.84rem}
.ft-col-c ul{padding:.9rem 1rem}
.ft-col-c li{font-size:.82rem;color:#5a6570;padding:.26rem 0}

.ft-cta{text-align:center;padding:2.3rem 0;background:#1b6b4a;color:#fff}
.ft-cta h2{font-size:1.15rem;font-weight:800;margin-bottom:.4rem}
.ft-cta .btn-fx{background:#121820}

@media(max-width:768px){
  .talk-grid,.ft-col,.ft-bk{grid-template-columns:1fr}
  .qt{grid-template-columns:1fr}
  .qt img{max-width:140px}
}