@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;500;600;700&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400&family=DM+Mono:wght@400;500&display=swap');

/* ── DESIGN TOKENS ── */
:root {
  --ink:      #0c1017;
  --ink2:     #1d2535;
  --ink3:     #2e3a4e;
  --muted:    #64748b;
  --muted2:   #94a3b8;
  --line:     #e2e8f0;
  --line2:    #f1f5f9;
  --canvas:   #ffffff;
  --offwhite: #f8fafc;
  --cobalt:   #1a56db;
  --cobalt2:  #2563eb;
  --cobalt3:  #60a5fa;
  --amber:    #d97706;
  --amber2:   #f59e0b;
  --emerald:  #059669;
  --rose:     #e11d48;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.04);
  --shadow-lg:  0 12px 40px rgba(0,0,0,.1), 0 4px 12px rgba(0,0,0,.05);
  --shadow-xl:  0 24px 64px rgba(0,0,0,.12), 0 8px 24px rgba(0,0,0,.06);
  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;
  --r-xl: 28px;
}

/* ── RESET & BASE ── */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; font-size:16px; }
body {
  font-family: 'DM Sans', system-ui, sans-serif;
  background: var(--canvas);
  color: var(--ink3);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width:100%; display:block; }
a { text-decoration:none; color:inherit; }
::-webkit-scrollbar { width:5px; }
::-webkit-scrollbar-track { background:var(--line2); }
::-webkit-scrollbar-thumb { background:var(--cobalt2); border-radius:3px; }

/* ── DISCLAIMER STRIP ── */
.strip {
  background: var(--ink);
  padding: 10px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  font-size: 11.5px;
  color: rgba(255,255,255,.55);
  font-weight: 500;
  letter-spacing: .2px;
}
.strip strong { color: #fbbf24; }
.strip a { color: #60a5fa; text-decoration: underline; }

/* ── NAVIGATION ── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(16px) saturate(180%);
  -webkit-backdrop-filter: blur(16px) saturate(180%);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
  height: 68px;
  display: flex;
  align-items: center;
  gap: 0;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-right: 40px;
  flex-shrink: 0;
}
.nav-logo-mark {
  width: 36px; height: 36px;
  background: var(--cobalt2);
  border-radius: 10px;
  display: grid;
  place-items: center;
  font-size: 17px;
}
.nav-brand-text {
  font-family: 'DM Sans', sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -.3px;
}
.nav-brand-text span { color: var(--cobalt2); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  flex: 1;
  list-style: none;
}
.nav-links a {
  font-size: 13.5px;
  font-weight: 500;
  color: var(--muted);
  padding: 6px 12px;
  border-radius: var(--r-sm);
  transition: color .15s, background .15s;
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--ink);
  background: var(--line2);
}
.nav-links .has-sub { position: relative; }
.nav-links .has-sub > a::after { content: ' ▾'; font-size: 10px; }
.nav-cta-btn {
  margin-left: auto;
  background: var(--cobalt2);
  color: #fff !important;
  font-weight: 600 !important;
  border-radius: var(--r-sm) !important;
  padding: 8px 18px !important;
  font-size: 13.5px !important;
  transition: background .15s, transform .15s !important;
}
.nav-cta-btn:hover { background: #1d4ed8 !important; transform: translateY(-1px) !important; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  margin-left: auto;
  padding: 4px;
}
.hamburger span { width: 22px; height: 2px; background: var(--ink); border-radius: 2px; display: block; transition: all .25s; }
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--canvas);
  z-index: 199;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 20px;
  font-weight: 600;
  color: var(--ink);
  padding: 10px 24px;
  border-radius: var(--r-md);
  width: 240px;
  text-align: center;
  transition: background .15s;
}
.mobile-menu a:hover { background: var(--line2); }
.mobile-close {
  position: absolute;
  top: 20px; right: 24px;
  font-size: 26px;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--muted);
}

/* ── HERO ── */
.hero {
  background: var(--ink);
  position: relative;
  overflow: hidden;
  padding: 100px 32px 80px;
}
.hero-bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-bg-glow {
  position: absolute;
  width: 700px; height: 700px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37,99,235,.18) 0%, transparent 65%);
  top: -200px; right: -100px;
  pointer-events: none;
}
.hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 72px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
  color: rgba(255,255,255,.6);
  letter-spacing: .5px;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-eyebrow .dot {
  width: 6px; height: 6px;
  background: #34d399;
  border-radius: 50%;
  animation: pulse-dot 2s ease infinite;
}
@keyframes pulse-dot { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.4;transform:scale(.7)} }
.hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(38px, 5vw, 62px);
  font-weight: 600;
  color: #fff;
  line-height: 1.08;
  letter-spacing: -.5px;
  margin-bottom: 22px;
}
.hero h1 em { font-style: normal; color: var(--cobalt3); }
.hero-sub {
  font-size: 17px;
  color: rgba(255,255,255,.52);
  line-height: 1.8;
  max-width: 520px;
  margin-bottom: 40px;
  font-weight: 400;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 56px; }
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--cobalt2);
  color: #fff;
  font-size: 14.5px;
  font-weight: 600;
  padding: 13px 28px;
  border-radius: var(--r-sm);
  border: none;
  cursor: pointer;
  transition: background .15s, transform .15s, box-shadow .15s;
  letter-spacing: -.1px;
}
.btn-primary:hover { background:#1d4ed8; transform:translateY(-2px); box-shadow:0 8px 24px rgba(37,99,235,.4); }
.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.08);
  color: rgba(255,255,255,.85);
  font-size: 14.5px;
  font-weight: 500;
  padding: 13px 28px;
  border-radius: var(--r-sm);
  border: 1px solid rgba(255,255,255,.16);
  cursor: pointer;
  transition: background .15s;
}
.btn-secondary:hover { background: rgba(255,255,255,.14); }
.hero-trust {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  color: rgba(255,255,255,.4);
  font-weight: 400;
}
.hero-trust-item svg { color: #34d399; flex-shrink: 0; }

/* Hero Stats Card */
.hero-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-xl);
  padding: 32px;
  backdrop-filter: blur(20px);
}
.hero-card-title {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.4);
  letter-spacing: .8px;
  text-transform: uppercase;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.hc-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 13px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: 14px;
}
.hc-row:last-child { border-bottom: none; }
.hc-label { color: rgba(255,255,255,.45); font-weight: 400; }
.hc-val { color: #fff; font-weight: 600; }
.badge-sm {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 100px;
}
.badge-green { background: rgba(52,211,153,.15); color: #34d399; border: 1px solid rgba(52,211,153,.25); }
.badge-blue  { background: rgba(96,165,250,.15); color: #93c5fd; border: 1px solid rgba(96,165,250,.25); }
.badge-amber { background: rgba(245,158,11,.15); color: #fcd34d; border: 1px solid rgba(245,158,11,.25); }

/* ── INSURER CARDS (index page) ── */
.insurer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
}
.ins-card {
  background: var(--canvas);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: transform .2s, box-shadow .2s, border-color .2s;
  position: relative;
  overflow: hidden;
  cursor: pointer;
}
.ins-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--cobalt2);
}
.ins-card-stripe {
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  border-radius: var(--r-lg) var(--r-lg) 0 0;
}
.ins-logo-wrap {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  font-family: 'DM Sans', sans-serif;
  font-weight: 800;
  font-size: 14px;
  color: #fff;
  margin-bottom: 16px;
  margin-top: 8px;
}
.ins-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 6px;
}
.ins-card p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 20px;
  flex: 1;
}
.ins-card-meta {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.ins-tag {
  font-size: 11px;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: 100px;
  background: var(--line2);
  color: var(--muted);
  border: 1px solid var(--line);
}
.ins-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--cobalt2);
  transition: gap .15s;
}
.ins-card-link:hover { gap: 10px; }

/* ── PAGE HERO (inner pages) ── */
.page-hero {
  background: var(--ink);
  padding: 72px 32px 64px;
  position: relative;
  overflow: hidden;
}
.page-hero-bg {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.02) 1px,transparent 1px), linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);
  background-size: 40px 40px;
}
.page-hero-glow {
  position: absolute;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37,99,235,.15) 0%, transparent 65%);
  top: -150px; right: -80px;
}
.page-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}
.page-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  color: rgba(255,255,255,.45);
  letter-spacing: .8px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.page-hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(32px, 4.5vw, 52px);
  font-weight: 600;
  color: #fff;
  line-height: 1.1;
  letter-spacing: -.3px;
  margin-bottom: 14px;
}
.page-hero h1 span { color: var(--cobalt3); }
.page-hero-sub {
  font-size: 16px;
  color: rgba(255,255,255,.5);
  max-width: 560px;
  line-height: 1.75;
}
.breadcrumb {
  background: var(--offwhite);
  border-bottom: 1px solid var(--line);
  padding: 12px 32px;
  font-size: 13px;
  color: var(--muted2);
  display: flex;
  align-items: center;
  gap: 8px;
  max-width: 100%;
}
.breadcrumb a { color: var(--cobalt2); }
.breadcrumb span { opacity: .4; }

/* ── SECTIONS ── */
section { padding: 80px 32px; }
.section-inner { max-width: 1280px; margin: 0 auto; }
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--cobalt2);
  margin-bottom: 12px;
}
.section-label::before { content:''; width:20px; height:1.5px; background:var(--cobalt2); }
.section-h {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 600;
  color: var(--ink);
  line-height: 1.12;
  letter-spacing: -.3px;
  margin-bottom: 14px;
}
.section-h span { color: var(--cobalt2); }
.section-sub {
  font-size: 16px;
  color: var(--muted);
  line-height: 1.8;
  max-width: 600px;
  margin-bottom: 52px;
}

/* ── GRIDS ── */
.g2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(380px, 1fr)); gap: 24px; }
.g3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 22px; }
.g4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; }

/* ── CARDS ── */
.card {
  background: var(--canvas);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 28px 24px;
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #bfdbfe; }
.card-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  display: grid;
  place-items: center;
  font-size: 20px;
  margin-bottom: 16px;
}
.card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
}
.card p { font-size: 14px; color: var(--muted); line-height: 1.75; }
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--cobalt2);
  margin-top: 14px;
  transition: gap .15s;
}
.card-link:hover { gap: 9px; }

/* ── EXPANDABLE INSURER SECTIONS ── */
.exp-block {
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--canvas);
  transition: box-shadow .2s;
}
.exp-block:hover { box-shadow: var(--shadow-sm); }
.exp-head {
  padding: 22px 28px;
  display: flex;
  align-items: center;
  gap: 18px;
  cursor: pointer;
  border-bottom: 1px solid transparent;
  transition: background .15s, border-color .15s;
  user-select: none;
}
.exp-head:hover { background: var(--offwhite); }
.exp-block.open .exp-head { border-bottom-color: var(--line); background: var(--offwhite); }
.exp-logo {
  width: 48px; height: 48px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 13px;
  color: #fff;
  flex-shrink: 0;
}
.exp-title { font-weight: 700; font-size: 16px; color: var(--ink); }
.exp-subtitle { font-size: 12.5px; color: var(--muted); margin-top: 2px; }
.exp-arrow {
  margin-left: auto;
  width: 32px; height: 32px;
  border: 1px solid var(--line);
  border-radius: 8px;
  display: grid;
  place-items: center;
  background: var(--canvas);
  transition: all .25s;
  color: var(--muted);
  font-size: 13px;
  flex-shrink: 0;
}
.exp-block.open .exp-arrow { background: var(--cobalt2); border-color: var(--cobalt2); color: #fff; transform: rotate(180deg); }
.exp-body { display: none; padding: 28px; }
.exp-block.open .exp-body { display: block; }
.exp-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid var(--line2);
  font-size: 13.5px;
}
.exp-row:last-of-type { border-bottom: none; }
.exp-row .rl { color: var(--muted); }
.exp-row .rv { font-weight: 600; color: var(--ink); text-align: right; }
.exp-features { list-style: none; margin-top: 16px; }
.exp-features li {
  font-size: 13.5px;
  color: var(--muted);
  padding: 8px 0;
  border-bottom: 1px solid var(--line2);
  display: flex;
  gap: 10px;
}
.exp-features li:last-child { border-bottom: none; }
.exp-features li::before { content: "✓"; color: var(--cobalt2); font-weight: 700; flex-shrink: 0; }

/* ── DATA TABLE ── */
.tbl-wrap {
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
table { width: 100%; border-collapse: collapse; }
thead tr { background: var(--offwhite); border-bottom: 2px solid var(--line); }
th {
  padding: 14px 18px;
  text-align: left;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .8px;
  text-transform: uppercase;
  color: var(--muted);
  white-space: nowrap;
}
td {
  padding: 13px 18px;
  font-size: 14px;
  color: var(--ink3);
  border-bottom: 1px solid var(--line2);
}
tr:hover td { background: var(--offwhite); }
tr:last-child td { border-bottom: none; }
.t-yes { color: var(--emerald); font-weight: 700; }
.t-no  { color: var(--rose);    font-weight: 700; }
.t-partial { color: var(--amber); font-weight: 700; }

/* ── FAQ ── */
.faq-item {
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
  background: var(--canvas);
  transition: box-shadow .2s, border-color .2s;
}
.faq-item.open { border-color: var(--cobalt2); box-shadow: 0 0 0 3px rgba(37,99,235,.06); }
.faq-q {
  padding: 18px 22px;
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  user-select: none;
  transition: background .15s;
}
.faq-q:hover { background: var(--offwhite); }
.faq-q.active { color: var(--cobalt2); }
.faq-icon {
  width: 28px; height: 28px;
  border: 1.5px solid var(--line);
  border-radius: 7px;
  display: grid;
  place-items: center;
  font-size: 16px;
  flex-shrink: 0;
  color: var(--muted2);
  transition: all .2s;
}
.faq-q.active .faq-icon { background: var(--cobalt2); border-color: var(--cobalt2); color: #fff; transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 22px 18px;
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.85;
  border-top: 1px solid var(--line2);
  padding-top: 16px;
}
.faq-item.open .faq-a { display: block; }

/* ── STEPS ── */
.steps-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(185px, 1fr));
  gap: 0;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
}
.step-cell {
  padding: 32px 24px;
  border-right: 1px solid var(--line);
  background: var(--canvas);
  transition: background .2s;
  position: relative;
}
.step-cell:last-child { border-right: none; }
.step-cell:hover { background: var(--offwhite); }
.step-num {
  font-family: 'DM Mono', monospace;
  font-size: 28px;
  font-weight: 500;
  color: var(--cobalt2);
  margin-bottom: 14px;
  line-height: 1;
  opacity: .7;
}
.step-cell h4 { font-weight: 700; font-size: 15px; color: var(--ink); margin-bottom: 8px; }
.step-cell p { font-size: 13.5px; color: var(--muted); line-height: 1.7; }

/* ── PLAN CARDS ── */
.plan-card {
  background: var(--canvas);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 28px 22px;
  position: relative;
  overflow: hidden;
  transition: transform .2s, box-shadow .2s;
}
.plan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.plan-card.featured { border: 2px solid var(--cobalt2); }
.plan-card.featured::before {
  content: 'RECOMMENDED';
  position: absolute; top: 14px; right: -24px;
  background: var(--cobalt2); color: #fff;
  font-size: 9px; font-weight: 800; letter-spacing: 1px;
  padding: 4px 32px;
  transform: rotate(35deg);
}
.plan-tag { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--cobalt2); margin-bottom: 10px; }
.plan-name { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 600; color: var(--ink); margin-bottom: 10px; }
.plan-desc { font-size: 13.5px; color: var(--muted); line-height: 1.75; margin-bottom: 18px; }
.plan-list { list-style: none; }
.plan-list li { font-size: 13.5px; color: var(--ink3); padding: 8px 0; border-bottom: 1px solid var(--line2); display: flex; gap: 10px; align-items: flex-start; }
.plan-list li:last-child { border-bottom: none; }
.plan-list li .ck { color: var(--emerald); font-weight: 700; flex-shrink: 0; }
.plan-note { margin-top: 14px; padding: 10px 14px; background: #f0f9ff; border-left: 3px solid var(--cobalt2); border-radius: 0 8px 8px 0; font-size: 12.5px; color: var(--muted); }

/* ── TESTIMONIALS ── */
.testi-card {
  background: var(--canvas);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 28px;
  transition: box-shadow .2s;
}
.testi-card:hover { box-shadow: var(--shadow-md); }
.testi-stars { color: var(--amber2); font-size: 13px; letter-spacing: 2px; margin-bottom: 14px; }
.testi-text { font-size: 14.5px; color: var(--muted); line-height: 1.85; font-style: italic; margin-bottom: 20px; }
.testi-author { display: flex; align-items: center; gap: 12px; border-top: 1px solid var(--line2); padding-top: 16px; }
.testi-av { width: 40px; height: 40px; border-radius: 50%; background: var(--cobalt2); display: grid; place-items: center; font-weight: 700; font-size: 14px; color: #fff; flex-shrink: 0; }
.testi-name { font-weight: 700; font-size: 14px; color: var(--ink); }
.testi-location { font-size: 12px; color: var(--muted2); }

/* ── INFO/WARN BOXES ── */
.disc-box { background: #fffbeb; border: 1px solid #fde68a; border-left: 4px solid var(--amber2); border-radius: 0 var(--r-md) var(--r-md) 0; padding: 18px 22px; margin: 18px 0; }
.disc-box h4 { font-size: 14px; font-weight: 700; color: #92400e; margin-bottom: 6px; }
.disc-box p { font-size: 13.5px; color: #78350f; line-height: 1.8; }
.info-box { background: #f0f9ff; border: 1px solid #bae6fd; border-left: 4px solid #38bdf8; border-radius: 0 var(--r-md) var(--r-md) 0; padding: 14px 18px; margin: 14px 0; }
.info-box p { font-size: 13.5px; color: #0c4a6e; line-height: 1.8; }
.warn-box { background: #fff1f2; border: 1px solid #fecdd3; border-left: 4px solid var(--rose); border-radius: 0 var(--r-md) var(--r-md) 0; padding: 14px 18px; margin: 14px 0; }
.warn-box p { font-size: 13.5px; color: #881337; line-height: 1.8; }

/* ── PROS / CONS ── */
.pc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.pros-box { background: #f0fdf4; border: 1px solid #bbf7d0; border-radius: var(--r-md); padding: 22px; }
.cons-box { background: #fff1f2; border: 1px solid #fecdd3; border-radius: var(--r-md); padding: 22px; }
.pros-box h4 { font-weight: 700; font-size: 15px; color: var(--emerald); margin-bottom: 14px; }
.cons-box h4 { font-weight: 700; font-size: 15px; color: var(--rose); margin-bottom: 14px; }
.pros-box ul, .cons-box ul { list-style: none; }
.pros-box li, .cons-box li { font-size: 13.5px; padding: 8px 0; border-bottom: 1px solid rgba(0,0,0,.05); display: flex; gap: 8px; color: var(--ink3); }
.pros-box li:last-child, .cons-box li:last-child { border-bottom: none; }
.pros-box li::before { content:"✓"; color:var(--emerald); font-weight:700; flex-shrink:0; }
.cons-box li::before { content:"✗"; color:var(--rose); font-weight:700; flex-shrink:0; }

/* ── COVERAGE TABLE CARDS ── */
.cov-card { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--r-md); padding: 22px 18px; transition: border-color .2s, transform .2s; }
.cov-card:hover { border-color: #bfdbfe; transform: translateY(-2px); }
.cov-icon { font-size: 26px; margin-bottom: 10px; }
.cov-card h4 { font-weight: 700; font-size: 15px; color: var(--ink); margin-bottom: 7px; }
.cov-card p { font-size: 13px; color: var(--muted); line-height: 1.75; }
.cov-badge { display: inline-block; margin-top: 9px; font-size: 11px; font-weight: 600; padding: 3px 9px; border-radius: 100px; background: #eff6ff; border: 1px solid #bfdbfe; color: var(--cobalt2); }

/* ── FORM ── */
.form-card { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--r-xl); padding: 36px; box-shadow: var(--shadow-sm); }
.form-group { margin-bottom: 18px; }
.form-label { display: block; font-size: 12px; font-weight: 600; letter-spacing: .5px; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; }
.form-input {
  width: 100%;
  background: var(--offwhite);
  border: 1.5px solid var(--line);
  color: var(--ink);
  padding: 12px 16px;
  border-radius: var(--r-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  outline: none;
  transition: border-color .15s, box-shadow .15s, background .15s;
}
.form-input:focus { border-color: var(--cobalt2); background: var(--canvas); box-shadow: 0 0 0 3px rgba(37,99,235,.08); }
.form-input::placeholder { color: var(--muted2); }
textarea.form-input { resize: vertical; min-height: 120px; }
select.form-input { cursor: pointer; }
.form-submit {
  width: 100%;
  background: var(--cobalt2);
  color: #fff;
  border: none;
  padding: 14px;
  border-radius: var(--r-sm);
  font-family: 'Playfair Display', serif;
  font-size: 17px;
  font-weight: 600;
  cursor: pointer;
  transition: background .15s, box-shadow .15s;
  letter-spacing: .2px;
}
.form-submit:hover { background: #1d4ed8; box-shadow: 0 6px 20px rgba(37,99,235,.35); }

/* ── POLICY PAGES ── */
.policy-wrap { max-width: 800px; }
.policy-section { margin-bottom: 36px; padding-bottom: 36px; border-bottom: 1px solid var(--line); }
.policy-section:last-child { border-bottom: none; }
.policy-section h3 { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 600; color: var(--ink); margin-bottom: 13px; display: flex; align-items: center; gap: 10px; }
.policy-section h3::before { content:''; width: 18px; height: 2px; background: var(--cobalt2); flex-shrink: 0; }
.policy-section p, .policy-section li { font-size: 15px; color: var(--muted); line-height: 1.9; margin-bottom: 9px; }
.policy-section ul { padding-left: 22px; }
.policy-section li { list-style: disc; }

/* ── GLOSSARY ── */
.glossary-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 10px; }
.glossary-item { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--r-md); padding: 18px 16px; transition: border-color .15s, transform .15s; }
.glossary-item:hover { border-color: #bfdbfe; transform: translateY(-2px); }
.glossary-term { font-weight: 700; font-size: 13.5px; color: var(--cobalt2); margin-bottom: 6px; }
.glossary-def { font-size: 13px; color: var(--muted); line-height: 1.7; }

/* ── CONTACT INFO ── */
.contact-info { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--r-xl); padding: 32px; }
.ci-row { display: flex; gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--line2); }
.ci-row:last-child { border-bottom: none; }
.ci-icon { width: 44px; height: 44px; background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 11px; display: grid; place-items: center; font-size: 18px; flex-shrink: 0; }
.ci-label { font-size: 11px; font-weight: 700; letter-spacing: .8px; text-transform: uppercase; color: var(--muted2); margin-bottom: 4px; }
.ci-value { font-size: 15px; font-weight: 700; color: var(--ink); }

/* ── CTA SECTION ── */
.cta-section { background: var(--cobalt2); padding: 80px 32px; text-align: center; position: relative; overflow: hidden; }
.cta-section::before { content:''; position:absolute; top:-100px; right:-100px; width:400px; height:400px; border-radius:50%; background:rgba(255,255,255,.06); pointer-events:none; }
.cta-section h2 { font-family:'Playfair Display',serif; font-size:clamp(30px,4vw,46px); font-weight:600; color:#fff; margin-bottom:14px; position:relative; }
.cta-section p { font-size:16px; color:rgba(255,255,255,.65); max-width:500px; margin:0 auto 32px; line-height:1.8; position:relative; }
.btn-white { background:#fff; color:var(--cobalt2); font-weight:700; font-size:14.5px; padding:13px 28px; border-radius:var(--r-sm); border:none; cursor:pointer; transition:all .15s; display:inline-flex; align-items:center; gap:8px; }
.btn-white:hover { background:var(--offwhite); transform:translateY(-2px); }

/* ── STAT CARDS ── */
.stat-card { background:var(--canvas); border:1px solid var(--line); border-radius:var(--r-lg); padding:24px; text-align:center; }
.stat-num { font-family:'Playfair Display',serif; font-size:40px; font-weight:600; color:var(--cobalt2); line-height:1; margin-bottom:6px; }
.stat-label { font-size:13px; color:var(--muted); font-weight:500; }

/* ── INSURER DEDICATED PAGE HERO ── */
.ins-page-hero { padding: 80px 32px 72px; position: relative; overflow: hidden; }
.ins-page-hero-inner { max-width: 1280px; margin: 0 auto; display: grid; grid-template-columns: 1fr 360px; gap: 64px; align-items: center; position: relative; z-index: 2; }
.ins-brand-block { display: flex; align-items: center; gap: 18px; margin-bottom: 28px; }
.ins-brand-logo { width: 64px; height: 64px; border-radius: 16px; display: grid; place-items: center; font-weight: 800; font-size: 18px; color: #fff; flex-shrink: 0; }
.ins-brand-name { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 600; }
.ins-brand-tagline { font-size: 13px; color: var(--muted); margin-top: 2px; }
.ins-page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(30px, 4vw, 48px); font-weight: 600; color: var(--ink); line-height: 1.1; margin-bottom: 16px; letter-spacing: -.3px; }
.ins-page-hero h1 em { font-style: normal; color: var(--cobalt2); }
.ins-page-hero p { font-size: 16px; color: var(--muted); line-height: 1.8; max-width: 520px; margin-bottom: 32px; }
.ins-quick-facts { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--r-xl); padding: 28px; box-shadow: var(--shadow-md); }
.ins-qf-title { font-size: 12px; font-weight: 700; color: var(--muted2); letter-spacing: .8px; text-transform: uppercase; margin-bottom: 18px; }
.ins-qf-row { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid var(--line2); font-size: 13.5px; }
.ins-qf-row:last-child { border-bottom: none; }
.ins-qf-row .qfl { color: var(--muted); }
.ins-qf-row .qfv { font-weight: 700; color: var(--ink); text-align: right; }

/* ── RATING DISPLAY ── */
.rating-row { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; }
.rating-bar-wrap { flex: 1; height: 8px; background: var(--line2); border-radius: 4px; overflow: hidden; }
.rating-bar-fill { height: 100%; border-radius: 4px; background: var(--cobalt2); }
.rating-label { font-size: 13px; font-weight: 600; color: var(--ink); white-space: nowrap; min-width: 120px; }
.rating-score { font-size: 13px; font-weight: 700; color: var(--cobalt2); min-width: 32px; text-align: right; }

/* ── FLOAT CALL ── */
.float-call { position:fixed; bottom:28px; right:28px; z-index:300; width:56px; height:56px; border-radius:50%; background:var(--cobalt2); color:#fff; display:grid; place-items:center; font-size:22px; text-decoration:none; box-shadow:0 4px 20px rgba(37,99,235,.5); animation:callring 2.5s ease infinite; }
@keyframes callring { 0%,100%{box-shadow:0 4px 20px rgba(37,99,235,.5)} 50%{box-shadow:0 4px 32px rgba(37,99,235,.8)} }

/* ── FOOTER ── */
footer { background: var(--ink); padding: 64px 32px 28px; }
.footer-inner { max-width: 1280px; margin: 0 auto; }
.footer-disc { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08); border-left: 3px solid var(--amber2); border-radius: 0 var(--r-md) var(--r-md) 0; padding: 16px 20px; margin-bottom: 52px; font-size: 12.5px; color: rgba(255,255,255,.35); line-height: 1.8; }
.footer-disc strong { color: #fbbf24; }
.footer-disc a { color: #60a5fa; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.07); margin-bottom: 32px; }
.footer-brand { }
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-logo-icon { width: 36px; height: 36px; background: var(--cobalt2); border-radius: 9px; display: grid; place-items: center; font-size: 16px; }
.footer-logo-text { font-weight: 700; font-size: 17px; color: #fff; }
.footer-logo-text span { color: var(--cobalt3); }
.footer-desc { font-size: 13.5px; color: rgba(255,255,255,.38); line-height: 1.8; margin-bottom: 16px; }
.footer-note { font-size: 11.5px; color: rgba(255,255,255,.2); line-height: 1.7; padding: 12px 14px; border-left: 2px solid rgba(255,255,255,.1); }
.footer-col h5 { font-size: 11px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: rgba(255,255,255,.35); margin-bottom: 14px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 9px; }
.footer-col a { font-size: 13.5px; color: rgba(255,255,255,.5); transition: color .15s; }
.footer-col a:hover { color: #fff; }
.footer-bottom { display: flex; justify-content: space-between; font-size: 12.5px; color: rgba(255,255,255,.25); flex-wrap: wrap; gap: 8px; }
.footer-bottom a { color: rgba(255,255,255,.4); }

/* ── ANIMATIONS ── */
.fade-up { opacity:0; transform:translateY(20px); transition:opacity .6s ease, transform .6s ease; }
.fade-up.visible { opacity:1; transform:none; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 44px; }
  .ins-page-hero-inner { grid-template-columns: 1fr; gap: 36px; }
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 860px) {
  .nav-inner { padding: 0 20px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  section, .hero, .page-hero, .ins-page-hero, .cta-section { padding-left: 20px; padding-right: 20px; }
  .breadcrumb, footer { padding-left: 20px; padding-right: 20px; }
  .g2, .g3 { grid-template-columns: 1fr; }
  .pc-grid { grid-template-columns: 1fr; }
  .steps-row { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .float-call { display: none; }
}
@media (max-width: 540px) {
  .footer-grid { grid-template-columns: 1fr; }
  .steps-row { grid-template-columns: 1fr; }
  table th, table td { padding: 11px 13px; font-size: 13px; }
}