.fctr-section{
  --fctr-primary:#3173CB;
  --fctr-primary-dark:#235DAA;
  --fctr-primary-soft:rgba(49,115,203,.10);
  --fctr-primary-border:rgba(49,115,203,.20);
  --fctr-ink:#101828;
  --fctr-text:#344054;
  --fctr-muted:#667085;
  --fctr-soft:#F5F8FC;
  --fctr-border:rgba(16,24,40,.10);
  --fctr-shadow:0 22px 60px rgba(16,24,40,.10);
  --fctr-shadow-soft:0 12px 34px rgba(16,24,40,.07);
  position:relative;
  overflow:hidden;
  padding:92px 0;
  background:
    radial-gradient(circle at 8% 8%, rgba(49,115,203,.10), transparent 30%),
    radial-gradient(circle at 92% 16%, rgba(49,115,203,.08), transparent 28%),
    linear-gradient(180deg,#fff 0%,#F7FAFF 100%);
  font-family:Inter,Arial,sans-serif;
  color:var(--fctr-text);
}

.fctr-section *{
  box-sizing:border-box;
}

.fctr-section a{
  color:inherit;
  text-decoration:none;
}

.fctr-wrap{
  width:min(1200px,calc(100% - 32px));
  margin:0 auto;
}

.fctr-head{
  max-width:880px;
  margin:0 auto 46px;
  text-align:center;
}

.fctr-eyebrow{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  margin:0 0 15px;
  color:var(--fctr-primary);
  font-size:13px;
  font-weight:850;
  letter-spacing:.09em;
  text-transform:uppercase;
}

.fctr-eyebrow:before,
.fctr-eyebrow:after{
  content:"";
  width:28px;
  height:2px;
  border-radius:99px;
  background:currentColor;
}

.fctr-title{
  margin:0;
  color:var(--fctr-ink);
  font-size:clamp(34px,4vw,56px);
  line-height:1.04;
  letter-spacing:-.045em;
}

.fctr-lead{
  max-width:800px;
  margin:22px auto 0;
  color:#475467;
  font-size:18px;
  line-height:1.72;
}

.fctr-lead strong{
  color:var(--fctr-ink);
  font-weight:850;
}

.fctr-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
  align-items:stretch;
}

.fctr-card{
  overflow:hidden;
  border-radius:30px;
  background:#fff;
  border:1px solid var(--fctr-border);
  box-shadow:var(--fctr-shadow-soft);
  transition:.25s ease;
}

.fctr-card:hover{
  transform:translateY(-5px);
  box-shadow:var(--fctr-shadow);
  border-color:var(--fctr-primary-border);
}

.fctr-photo{
  position:relative;
  min-height:310px;
  overflow:hidden;
  background:#D7DFEA;
}

.fctr-photo img{
  display:block;
  width:100%;
  height:310px;
  object-fit:cover;
  transition:.35s ease;
}

.fctr-card:hover .fctr-photo img{
  transform:scale(1.035);
}

.fctr-photo:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg,rgba(0,0,0,0) 34%,rgba(7,17,31,.80) 100%);
  pointer-events:none;
}

.fctr-badge{
  position:absolute;
  top:18px;
  left:18px;
  z-index:2;
  display:inline-flex;
  align-items:center;
  padding:9px 13px;
  border-radius:999px;
  background:rgba(255,255,255,.94);
  color:var(--fctr-primary-dark);
  font-size:12px;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
  backdrop-filter:blur(12px);
}

.fctr-name{
  position:absolute;
  left:22px;
  right:22px;
  bottom:21px;
  z-index:2;
}

.fctr-name h3{
  margin:0;
  color:#fff;
  font-size:29px;
  line-height:1.05;
  letter-spacing:-.04em;
}

.fctr-name span{
  display:block;
  margin-top:8px;
  color:rgba(255,255,255,.86);
  font-size:13px;
  font-weight:850;
}

.fctr-body{
  padding:26px;
}

.fctr-text{
  margin:0;
  color:var(--fctr-text);
  font-size:15.5px;
  line-height:1.72;
}

.fctr-text + .fctr-text{
  margin-top:13px;
}

.fctr-approach{
  margin-top:22px;
  padding:18px;
  border-radius:22px;
  background:
    radial-gradient(circle at 0% 0%, rgba(49,115,203,.12), transparent 34%),
    #F7FAFF;
  border:1px solid var(--fctr-primary-border);
}

.fctr-approach-title{
  display:flex;
  align-items:center;
  gap:8px;
  margin:0 0 13px;
  color:var(--fctr-primary-dark);
  font-size:12px;
  font-weight:950;
  letter-spacing:.08em;
  text-transform:uppercase;
}

.fctr-dot{
  width:8px;
  height:8px;
  border-radius:50%;
  background:var(--fctr-primary);
  box-shadow:0 0 0 5px rgba(49,115,203,.12);
  flex:0 0 auto;
}

.fctr-tags{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
}

.fctr-tag{
  display:inline-flex;
  align-items:center;
  gap:7px;
  padding:8px 10px;
  border-radius:999px;
  background:#fff;
  border:1px solid rgba(49,115,203,.16);
  color:var(--fctr-ink);
  font-size:12.5px;
  font-weight:800;
  line-height:1.2;
}

.fctr-tag:before{
  content:"✓";
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:17px;
  height:17px;
  border-radius:50%;
  background:var(--fctr-primary-soft);
  color:var(--fctr-primary);
  font-size:11px;
  font-weight:950;
  flex:0 0 auto;
}

.fctr-note{
  max-width:880px;
  margin:38px auto 0;
  padding:24px 28px;
  border-radius:26px;
  background:#fff;
  border:1px solid var(--fctr-primary-border);
  box-shadow:0 12px 34px rgba(16,24,40,.06);
  text-align:center;
}

.fctr-note p{
  margin:0;
  color:var(--fctr-muted);
  font-size:15.5px;
  line-height:1.7;
}

.fctr-note strong{
  color:var(--fctr-ink);
  font-weight:850;
}

@media (max-width:1100px){
  .fctr-grid{
    grid-template-columns:1fr;
    max-width:720px;
    margin:0 auto;
  }

  .fctr-photo,
  .fctr-photo img{
    height:360px;
    min-height:360px;
  }
}

@media (max-width:640px){
  .fctr-section{
    padding:68px 0;
  }

  .fctr-wrap{
    width:min(100% - 22px,1200px);
  }

  .fctr-head{
    margin-bottom:34px;
  }

  .fctr-title{
    font-size:34px;
  }

  .fctr-lead{
    font-size:16.5px;
    line-height:1.65;
  }

  .fctr-card{
    border-radius:24px;
  }

  .fctr-photo,
  .fctr-photo img{
    height:315px;
    min-height:315px;
  }

  .fctr-body{
    padding:22px;
  }

  .fctr-name{
    left:19px;
    right:19px;
  }

  .fctr-name h3{
    font-size:25px;
  }

  .fctr-note{
    padding:22px;
    border-radius:22px;
  }
}