.sip-why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.sip-why-card{background:var(--white);border-radius:var(--radius-lg);padding:28px 20px;text-align:center;box-shadow:0 4px 16px rgba(0,0,0,.04);border:1px solid var(--gray-100);transition:all .4s ease}
.sip-why-card:hover{transform:translateY(-5px);box-shadow:0 12px 28px rgba(26,58,92,.08);border-color:rgba(232,122,46,.1)}
.sip-why-icon{width:56px;height:56px;background:linear-gradient(135deg,rgba(232,122,46,.1),rgba(232,122,46,.04));border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 12px;font-size:1.2rem;color:var(--secondary);transition:all .4s}
.sip-why-card:hover .sip-why-icon{background:linear-gradient(135deg,var(--secondary),var(--secondary-light));color:#fff;transform:scale(1.1)}
.sip-why-card h5{font-size:.9rem;color:var(--primary);margin-bottom:4px}
.sip-why-card p{font-size:.78rem;color:var(--gray-500);line-height:1.5}
.sip-form-layout{display:grid;grid-template-columns:1fr;gap:30px;align-items:start}
.sip-form-card{background:var(--white);border-radius:var(--radius-lg);padding:30px;margin-bottom:22px;box-shadow:0 3px 14px rgba(0,0,0,.04);border:1px solid var(--gray-100)}
.sip-form-title{display:flex;align-items:center;gap:10px;font-size:1rem;font-weight:600;color:var(--primary);margin-bottom:18px;padding-bottom:12px;border-bottom:1px solid var(--gray-100)}
.sip-form-title i{width:30px;height:30px;background:rgba(232,122,46,.08);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--secondary);font-size:.75rem}
.sf-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.sf-group{margin-bottom:14px}
.sf-group label{display:block;font-size:.78rem;font-weight:600;color:var(--gray-700);margin-bottom:4px}
.sf-group label .req{color:var(--red)}
.sf-group input,.sf-group select{width:100%;padding:10px 12px;border:2px solid var(--gray-200);border-radius:var(--radius-sm);font-size:.85rem;font-family:var(--font);transition:all .3s}
.sf-group input:focus,.sf-group select:focus{border-color:var(--secondary);box-shadow:0 0 0 3px rgba(232,122,46,.06);outline:none}
.sf-group.error input,.sf-group.error select{border-color:var(--red)}
.sf-group .sf-error{display:none;font-size:.7rem;color:var(--red);margin-top:3px}
.sf-group.error .sf-error{display:block}
.sip-form-card.error .sf-error{display:block}
.form-actions-sip{display:flex;gap:12px;justify-content:flex-end;margin-top:20px;flex-wrap:wrap}
@media(max-width:768px){.sip-why-grid{grid-template-columns:1fr}.sf-row{grid-template-columns:1fr}.form-actions-sip{flex-direction:column}.form-actions-sip .btn{width:100%;justify-content:center}}