.insurance-hero{position:relative;min-height:620px;display:flex;align-items:center;overflow:hidden;background:var(--ink)}
.insurance-hero-bg{position:absolute;inset:0;background:url("assets/background14.jpg") center/cover no-repeat}
.insurance-copy{max-width:700px;color:#fff}
.insurance-eyebrow,.section-kicker{display:inline-flex;align-items:center;gap:7px;color:var(--gold);font-size:9px;font-weight:800;letter-spacing:.16em}
.insurance-eyebrow i{font-size:11px}
.insurance-copy h1{font-size:clamp(42px,6vw,72px);line-height:.96;letter-spacing:-.06em;margin:18px 0}
.insurance-copy h1 strong{color:var(--gold)}
.insurance-copy>p{max-width:620px;color:#dce4ef;font-size:14px;line-height:1.7}
.insurance-points{display:grid;grid-template-columns:repeat(3,max-content);gap:18px;margin-top:24px}
.insurance-points span{display:flex;align-items:center;gap:7px;color:#e5ebf3;font-size:10px;font-weight:700}
.insurance-points i{color:var(--gold)}
.insurance-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:28px}
.insurance-glass{border:1px solid rgba(255,255,255,.25)!important;background:rgba(255,255,255,.08)!important;color:#fff!important}
.insurance-glass:hover{background:rgba(255,255,255,.15)!important}
.insurance-hero-inner{
  position:relative;
  z-index:2;
  display:grid;
  grid-template-columns:1fr 300px;
  gap:40px;
  align-items:center;
  padding:80px 0
}

.insurance-hero-card{
  padding:16px;
  border:1px solid rgba(255,255,255,.2);
  border-radius:16px;
  background:rgba(255,255,255,.09);
  backdrop-filter:blur(14px);
  color:#fff;
  box-shadow:var(--shadow-lg)
}

.insurance-card-icon{
  width:36px;
  height:36px;
  display:grid;
  place-items:center;
  margin-bottom:12px;
  border-radius:10px;
  background:var(--gold);
  color:var(--ink);
  font-size:15px
}

.insurance-hero-card>span{
  font-size:7px;
  font-weight:800;
  letter-spacing:.14em;
  color:var(--gold)
}

.insurance-hero-card>strong{
  display:block;
  margin:7px 0 9px;
  font-size:22px;
  line-height:1.02;
  letter-spacing:-.04em
}

.insurance-hero-card>p{
  color:#d6deea;
  font-size:9px;
  line-height:1.5
}

.insurance-card-line{
  height:1px;
  margin:15px 0 10px;
  background:rgba(255,255,255,.15)
}

.insurance-hero-card small{
  display:flex;
  align-items:center;
  gap:7px;
  margin-top:7px;
  color:#e8edf5;
  font-size:8px
}

.insurance-hero-card small i{
  color:var(--gold)
}

.insurance-section{padding:50px 0;background:var(--paper)}
.insurance-heading{text-align:center;max-width:760px;margin:0 auto}
.insurance-heading>span{display:inline-flex;align-items:center;gap:7px;color:var(--gold);font-size:9px;font-weight:800;letter-spacing:.16em}
.insurance-heading h2{font-size:clamp(30px,4vw,48px);line-height:1;letter-spacing:-.05em;margin:10px 0}
.insurance-heading h2 strong{color:var(--gold)}
.insurance-heading p{color:var(--muted);font-size:12px;line-height:1.7}
.insurance-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:38px}
.insurance-card{padding:25px 22px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:var(--shadow-xs);transition:.25s var(--ease)}
.insurance-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.insurance-icon{display:grid;place-items:center;width:48px;height:48px;margin-bottom:18px;border-radius:14px;background:#fff7d9;color:var(--ink);font-size:19px}
.insurance-card h3{font-size:15px;line-height:1.25;margin-bottom:8px}
.insurance-card p{color:var(--muted);font-size:10px;line-height:1.7}

.insurance-network{padding:50px 0;background:#fff}
.partner-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:38px}
.partner-grid>div{display:flex;align-items:center;gap:14px;min-height:74px;padding:18px;border:1px solid var(--line);border-radius:16px;background:#fafbfc;transition:.2s var(--ease)}
.partner-grid>div:hover{border-color:rgba(242,179,0,.45);background:#fffdf6;transform:translateY(-3px)}
.partner-grid i{display:grid;place-items:center;width:38px;height:38px;border-radius:11px;background:#fff7d9;color:var(--gold);font-size:16px}
.partner-grid strong{font-size:11px;color:var(--ink)}

.insurance-support{padding:50px 0;background:var(--ink)}
.support-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}
.support-layout h2{margin:10px 0;font-size:clamp(30px,4vw,48px);line-height:1;letter-spacing:-.05em;color:#fff}
.support-layout h2 strong{color:var(--gold)}
.support-layout p{max-width:500px;color:#c9d2df;font-size:12px;line-height:1.8}
.support-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.support-list>div{display:flex;align-items:center;gap:13px;padding:18px;border:1px solid rgba(255,255,255,.12);border-radius:16px;background:rgba(255,255,255,.06);color:#fff}
.support-list i{display:grid;place-items:center;width:38px;height:38px;flex:0 0 38px;border-radius:11px;background:rgba(242,179,0,.14);color:var(--gold)}
.support-list span{font-size:10px;font-weight:700;line-height:1.5}

.insurance-support-action{display:flex;justify-content:center;margin-top:36px}
.insurance-support-action .btn{min-height:52px;padding:0 28px}

.insurance-note{padding:22px 0;background:#fff9e6;border-top:1px solid rgba(242,179,0,.18)}
.insurance-note .wrap{display:flex;align-items:flex-start;gap:13px;color:#5f4c13}
.insurance-note i{margin-top:2px;color:#c48b00;font-size:16px}
.insurance-note p{font-size:10px;line-height:1.7}
.insurance-note strong{color:var(--ink)}

.insurance-form-section{position:fixed;inset:0;z-index:1400;display:none;align-items:center;justify-content:center;padding:18px;background:rgba(7,21,47,.84);backdrop-filter:blur(10px);overflow:auto}
.insurance-form-section.active{display:flex}
.insurance-form-section>.wrap{width:min(920px,100%);margin:auto}
.insurance-form-section .insurance-heading{display:none}
.insurance-form{position:relative;width:100%;max-height:94vh;overflow:auto;padding:30px;border:1px solid var(--line);background:#fff;box-shadow:0 35px 100px rgba(0,0,0,.42);animation:insuranceModalIn .3s var(--ease)}
@keyframes insuranceModalIn{from{opacity:0;transform:translateY(18px) scale(.98)}to{opacity:1;transform:none}}
.insurance-form-close{position:absolute;top:20px;right:20px;width:40px;height:40px;border:0;border-radius:13px;background:var(--ink);color:#fff;font-size:15px;cursor:pointer}
.insurance-form-group{margin-bottom:22px;padding-bottom:22px;border-bottom:1px solid var(--line)}
.insurance-form-group:last-of-type{border-bottom:0;padding-bottom:0}
.insurance-form-group h3{margin:0 0 16px;font-size:15px;letter-spacing:-.02em}
.insurance-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.insurance-form-grid label,.insurance-upload-grid label{display:flex;flex-direction:column;gap:7px;color:var(--ink);font-size:9px;font-weight:800}
.insurance-form-grid input,.insurance-form-grid select{width:100%;height:46px;padding:0 12px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);outline:0;transition:.2s}
.insurance-form-grid input:focus,.insurance-form-grid select:focus{border-color:rgba(242,179,0,.65);box-shadow:0 0 0 4px rgba(242,179,0,.1)}
.insurance-category-group h3{margin-bottom:12px}
.insurance-category-toggle{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:4px;border:1px solid var(--line);border-radius:14px;background:#f2f5f8}
.category-btn{display:flex;align-items:center;justify-content:center;gap:8px;min-height:46px;border:0;border-radius:11px;background:transparent;color:var(--muted);font-size:11px;font-weight:800;letter-spacing:.02em;cursor:pointer;transition:.2s}
.category-btn i{font-size:12px}
.category-btn.active{background:var(--ink);color:#fff;box-shadow:var(--shadow-xs)}
.category-btn:not(.active):hover{color:var(--ink)}
.optional-tag{color:var(--muted);font-weight:600;font-size:9px;text-transform:none;letter-spacing:0}
.insurance-textarea-label{display:flex;flex-direction:column;gap:7px;margin-top:14px;color:var(--ink);font-size:9px;font-weight:800}
.insurance-form-grid textarea,.insurance-textarea-label textarea{width:100%;min-height:90px;padding:10px 12px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);font:inherit;resize:vertical;outline:0;transition:.2s;box-sizing:border-box}
.insurance-form-grid textarea:focus,.insurance-textarea-label textarea:focus{border-color:rgba(242,179,0,.65);box-shadow:0 0 0 4px rgba(242,179,0,.1)}
.value-input{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;background:#fff;overflow:hidden;transition:.2s}
.value-input:focus-within{border-color:rgba(242,179,0,.65);box-shadow:0 0 0 4px rgba(242,179,0,.1)}
.value-input span{padding:0 10px;height:46px;display:flex;align-items:center;color:var(--muted);font-size:10px;font-weight:800;border-right:1px solid var(--line);flex-shrink:0}
.value-input input{flex:1;min-width:0;height:44px;padding:0 12px;border:0;background:transparent;color:var(--ink);font:inherit;outline:0}
.insurance-form-grid select:disabled{background:#f2f5f8;color:#9aa5b3;cursor:not-allowed}

.insurance-upload-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.insurance-upload-grid label{position:relative;min-height:145px;justify-content:center;padding:18px;border:1px dashed #d6dce5;border-radius:15px;background:#fafbfc;cursor:pointer;transition:.2s}
.insurance-upload-grid label:hover{border-color:rgba(242,179,0,.65);background:#fffdf5}
.insurance-upload-grid label small{color:var(--muted);font-size:9px;font-weight:500;line-height:1.6}
.insurance-upload-grid input[type=file]{width:100%;font-size:9px;color:var(--muted)}
.insurance-upload-grid input[type=file]::file-selector-button{margin-right:8px;padding:8px 10px;border:0;border-radius:8px;background:#fff7d9;color:var(--ink);font-size:9px;font-weight:800;cursor:pointer}

.insurance-consent{margin:18px 0;padding:15px 16px;border:1px solid rgba(242,179,0,.25);border-radius:14px;background:#fff9e6}
.insurance-consent label{display:flex;align-items:flex-start;gap:10px;color:#5f4c13;font-size:10px;line-height:1.7}
.insurance-consent input{margin-top:3px;accent-color:var(--gold)}
.insurance-form>.btn{min-width:230px}
.insurance-form-note{margin:14px 0 0;color:var(--muted);font-size:9px;line-height:1.7}
#insuranceFormStatus{margin:12px 0!important;padding:0!important}

@media(max-width:600px){
.insurance-hero{min-height:620px;padding:30px 0 40px;align-items:flex-start}
.insurance-hero-bg{background:url("assets/background14.jpg") center top/cover no-repeat;background-attachment:scroll}
.insurance-hero-inner{grid-template-columns:1fr;gap:24px;padding:0}
.insurance-copy{max-width:100%;text-align:left}
.insurance-eyebrow{font-size:8px;letter-spacing:.12em;gap:5px}
.insurance-eyebrow i{font-size:10px}
.insurance-copy h1{font-size:clamp(32px,9vw,42px);line-height:1.02;letter-spacing:-.04em;margin:14px 0}
.insurance-copy>p{font-size:13px;line-height:1.6;max-width:100%}
.insurance-points{grid-template-columns:1fr 1fr;gap:7px;margin-top:20px}
.insurance-points span{padding:8px 9px;border-radius:10px;background:rgba(255,255,255,.06);font-size:8px;gap:5px}
.insurance-points i{font-size:8px}
.insurance-actions{flex-direction:column;gap:7px;margin-top:20px}
.insurance-actions .btn{width:100%;min-height:46px;padding:0 16px;border-radius:13px;font-size:10px;justify-content:center}
.insurance-hero-card{padding:20px;border-radius:17px}
.insurance-card-icon{width:42px;height:42px;margin-bottom:16px;border-radius:12px;font-size:17px}
.insurance-hero-card>span{font-size:8px}
.insurance-hero-card>strong{font-size:25px;margin:7px 0 10px}
.insurance-hero-card>p{font-size:10px;line-height:1.55}
.insurance-card-line{margin:17px 0 12px}
.insurance-hero-card small{font-size:8px;gap:7px;margin-top:8px}
.insurance-section{padding:45px 0}
.insurance-heading{padding:0 12px}
.insurance-heading>span{font-size:8px;letter-spacing:.12em}
.insurance-heading h2{font-size:28px;letter-spacing:-.04em;margin:8px 0}
.insurance-heading p{font-size:11px;line-height:1.6}
.insurance-grid{grid-template-columns:1fr 1fr;gap:8px;margin-top:24px}
.insurance-card{padding:16px 12px;border-radius:14px}
.insurance-icon{width:36px;height:36px;margin-bottom:12px;border-radius:10px;font-size:14px}
.insurance-card h3{font-size:12px;margin-bottom:5px}
.insurance-card p{font-size:8px;line-height:1.5}
.insurance-network{padding:45px 0}
.partner-grid{grid-template-columns:1fr 1fr;gap:8px;margin-top:24px}
.partner-grid>div{min-height:62px;padding:12px 10px;gap:9px;border-radius:13px}
.partner-grid i{width:32px;height:32px;flex:0 0 32px;border-radius:9px;font-size:13px}
.partner-grid strong{font-size:8px;line-height:1.35}
.insurance-support{padding:45px 0}
.support-layout{grid-template-columns:1fr;gap:24px}
.support-layout h2{font-size:28px;letter-spacing:-.04em}
.support-layout p{font-size:10px;line-height:1.6}
.support-list{grid-template-columns:1fr 1fr;gap:8px}
.support-list>div{padding:12px 10px;gap:8px;border-radius:13px}
.support-list i{width:32px;height:32px;flex:0 0 32px;border-radius:9px;font-size:12px}
.support-list span{font-size:8px;line-height:1.4}
.insurance-support-action{margin-top:24px}
.insurance-support-action .btn{width:100%;min-height:48px;padding:0 18px;font-size:11px;border-radius:13px;justify-content:center}
.insurance-note{padding:14px 0}
.insurance-note .wrap{gap:9px}
.insurance-note i{font-size:12px}
.insurance-note p{font-size:8px;line-height:1.55}
.insurance-form-section{position:fixed;inset:0;padding:0;align-items:stretch;overflow:hidden}
.insurance-form-section>.wrap{width:100%;height:100%;margin:0;padding:0}
.insurance-form{position:relative;width:100vw;max-width:none;height:100dvh;max-height:none;margin:0;padding:22px 14px 28px;border:0;border-radius:0;overflow-x:hidden;overflow-y:auto;-webkit-overflow-scrolling:touch;box-sizing:border-box;animation:insuranceModalInMobile .28s ease-out}
@keyframes insuranceModalInMobile{from{opacity:0;transform:translateY(40px)}to{opacity:1;transform:translateY(0)}}
.insurance-form-close{top:18px;right:14px;width:36px;height:36px;border-radius:11px;font-size:14px}
.insurance-form-group{margin-bottom:20px;padding-bottom:20px}
.insurance-form-group h3{font-size:14px;margin-bottom:14px}
.insurance-form-grid{width:100%;min-width:0;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:10px}
.insurance-form-grid label,.insurance-upload-grid label{min-width:0;font-size:8px;gap:5px}
.insurance-form-grid input,.insurance-form-grid select{width:100%;min-width:0;max-width:100%;height:44px;padding:0 10px;border-radius:11px;font-size:11px;box-sizing:border-box}
.insurance-category-toggle{gap:6px;padding:3px;border-radius:12px}
.category-btn{min-height:42px;font-size:9px;gap:5px;border-radius:9px}
.insurance-form-grid textarea,.insurance-textarea-label textarea{min-height:80px;font-size:11px;padding:9px 10px}
.value-input span{font-size:9px;padding:0 8px;height:44px}
.value-input input{height:42px;font-size:11px}
.insurance-upload-grid{grid-template-columns:1fr 1fr;gap:8px}
.insurance-upload-grid label{min-height:110px;padding:11px;border-radius:12px}
.insurance-upload-grid label small{font-size:7px;line-height:1.5}
.insurance-upload-grid input[type=file]{max-width:100%;font-size:7px}
.insurance-upload-grid input[type=file]::file-selector-button{margin-right:5px;padding:7px 8px;border-radius:7px;font-size:7px}
.insurance-consent{margin:14px 0;padding:12px 13px;border-radius:12px}
.insurance-consent label{gap:8px;font-size:8px;line-height:1.55}
.insurance-consent input{margin-top:2px;width:14px;height:14px;flex:0 0 14px}
.insurance-form>.btn{width:100%;min-width:0;min-height:46px;padding:0 16px;border-radius:13px;font-size:10px;justify-content:center;box-sizing:border-box}
.insurance-form-note{margin:10px 0 0;font-size:8px;line-height:1.55}
#insuranceFormStatus{width:100%;margin:9px 0!important;font-size:8px!important;line-height:1.5!important;overflow-wrap:anywhere}
}

@media(max-width:600px){

  .insurance-actions{
    width:100%;
    display:grid;
    grid-template-columns:minmax(0,1fr) minmax(0,1fr);
    gap:7px;
    margin-top:20px;
  }

  .insurance-actions .btn{
    width:100%;
    min-width:0;
    min-height:46px;
    padding:0 10px;
    border-radius:13px;
    font-size:10px;
    white-space:nowrap;
    justify-content:center;
  }

}

/* FULL-VIEWPORT HERO */
.insurance-hero{min-height:calc(100vh - var(--site-header-height,78px));min-height:calc(100dvh - var(--site-header-height,78px))}
@media(max-width:600px){.insurance-hero{min-height:calc(100vh - var(--site-header-height,68px));min-height:calc(100dvh - var(--site-header-height,68px))}}