/* Reference / Testimonial block */
.vhv-refs{background:#fff;padding:3rem 1.5rem;border-top:1px solid #e2e8f0}
.vhv-refs-inner{max-width:1200px;margin:0 auto}
.vhv-refs-head{text-align:center;margin-bottom:2.5rem}
.vhv-refs-head h2{color:#03274b;font-size:clamp(1.5rem,1.2rem+.9vw,2rem);margin:0 0 .5rem}
.vhv-refs-rating{display:inline-flex;align-items:center;gap:.5rem;background:#f1f7ff;padding:.5rem 1.25rem;border-radius:50px;font-weight:600;color:#03274b;font-size:1rem;margin-top:.5rem}
.vhv-refs-stars{color:#f6ad0f;letter-spacing:.15em;font-size:1.15rem}
.vhv-refs-rating strong{color:#0061a5;font-size:1.15rem}
.vhv-refs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
@media(max-width:900px){.vhv-refs-grid{grid-template-columns:1fr}}
.vhv-ref-card{background:#f9fcff;border:1px solid #c4daea;border-radius:14px;padding:1.75rem;display:flex;flex-direction:column;gap:1rem;position:relative;transition:transform .2s,box-shadow .2s}
.vhv-ref-card:hover{transform:translateY(-3px);box-shadow:0 10px 30px rgba(0,97,165,.1)}
.vhv-ref-card .quote-mark{position:absolute;top:.5rem;right:1rem;font-family:"Ubuntu",serif;font-size:3.5rem;color:#c4daea;line-height:1;font-weight:700}
.vhv-ref-stars{color:#f6ad0f;font-size:1.05rem;letter-spacing:.12em}
.vhv-ref-text{color:#2d3748;font-size:.98rem;line-height:1.55;margin:0;flex:1}
.vhv-ref-author{display:flex;align-items:center;gap:.75rem;margin-top:.5rem}
.vhv-ref-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,#0061a5,#067fd3);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1rem;flex-shrink:0;font-family:"Ubuntu",sans-serif}
.vhv-ref-meta{display:flex;flex-direction:column;line-height:1.3}
.vhv-ref-meta strong{color:#03274b;font-size:.95rem}
.vhv-ref-meta span{color:#718096;font-size:.85rem}
.vhv-ref-footer{text-align:center;margin-top:2rem;color:#4a5568;font-size:.95rem}
.vhv-ref-footer a{color:#0061a5;font-weight:600;text-decoration:none}
.vhv-ref-footer a:hover{text-decoration:underline}