body { background: #fffaf4; }

.insurance-hero {
  position: relative;
  min-height: 84vh;
  display: grid;
  align-items: center;
  padding: 120px 20px 70px;
  color: #fff;
  background: url("../images/insurance.avif") center/cover no-repeat;
}
.insurance-hero-overlay { position: absolute; inset: 0; background: linear-gradient(110deg, rgba(14, 18, 34, 0.84) 18%, rgba(17, 40, 71, 0.62) 52%, rgba(66, 145, 255, 0.24) 100%); }
.insurance-hero-wrap { position: relative; z-index: 1; width: min(1200px, 100%); margin: 0 auto; }
.insurance-hero-copy { max-width: 700px; }
.insurance-kicker { margin: 0 0 16px; color: #c9e4ff; font-size: 14px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.insurance-hero h1 { margin: 0 0 20px; font-size: clamp(40px, 5vw, 66px); line-height: 1.1; color: #fff; }
.insurance-hero h1 em { color: #93c5fd; font-style: normal; }
.insurance-hero p { margin: 0 0 24px; font-size: 18px; line-height: 1.6; color: rgba(230, 242, 255, 0.95); }
.insurance-legal-inline { margin-top: -8px; font-size: 13px; line-height: 1.6; color: rgba(196, 220, 250, 0.95); }
.insurance-hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }

.insurance-features, .insurance-process { background: #fff; }
.insurance-features { padding: 78px 20px 68px; }
.insurance-process { padding: 12px 20px 78px; }
.insurance-feature-grid, .insurance-process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(220px, 1fr));
  gap: 16px;
  width: min(1120px, 100%);
  margin: 42px auto 0;
}
.insurance-feature-grid article, .insurance-process-grid article {
  padding: 22px 20px;
  border-radius: 12px;
  border: 1px solid #d7e7f7;
  background: #f7fbff;
}
.insurance-feature-grid h3, .insurance-process-grid h3 { margin: 12px 0 8px; font-size: 20px; }
.insurance-feature-grid p, .insurance-process-grid p { margin: 0; color: #4b5f78; font-size: 14px; line-height: 1.65; }
.insurance-process-grid span {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; border-radius: 50%; color: #fff; background: #2563eb; font-size: 13px; font-weight: 700;
}

.live { padding-top: 74px; }

.insurance-cta {
  padding: 78px 20px;
  text-align: center;
  color: #fff;
  background: linear-gradient(180deg, #2d6fe8 0%, #143e85 100%);
}
.insurance-cta h2 { margin: 0; font-size: clamp(28px, 4vw, 46px); line-height: 1.15; }
.insurance-cta p { margin: 18px auto 26px; width: min(760px, 100%); color: rgba(230, 242, 255, 0.95); }
.insurance-disclaimer {
  margin: 0 auto 24px;
  width: min(980px, 100%);
  padding: 13px 14px;
  border: 1px solid rgba(180, 214, 255, 0.55);
  border-radius: 10px;
  text-align: left;
  font-size: 13px;
  line-height: 1.65;
  color: rgba(230, 242, 255, 0.95);
  background: rgba(9, 28, 58, 0.35);
}

@media (max-width: 900px) {
  .insurance-feature-grid, .insurance-process-grid { grid-template-columns: 1fr; }
  .insurance-hero { min-height: 72vh; padding-top: 110px; }
}