/* =========================================================
   INSURANCE HERO
   Uses existing base hero + theme button styles
   ========================================================= */

.insurance-hero {
    position: relative;
    min-height: clamp(560px, 82vh, 760px);
    display: flex;
    align-items: center;
    overflow: hidden;
    background: #000;
    padding: clamp(22px, 4vw, 60px);
}

.insurance-hero__media {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.insurance-hero__bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    display: block;
}

.insurance-hero__overlay {
    position: absolute;
    inset: 0;
    z-index: 1;
    background: linear-gradient(90deg, rgba(0,0,0,.74) 0%, rgba(0,0,0,.56) 42%, rgba(0,0,0,.30) 100%), linear-gradient(180deg, rgba(0,0,0,.12) 0%, rgba(0,0,0,.34) 100%);
}

.insurance-hero__container {
    position: relative;
    z-index: 2;
}

.insurance-hero__kicker {
    margin-bottom: 18px;
}

.insurance-hero__title {
    margin-bottom: 1rem;
}

.insurance-hero__subtitle {
    max-width: 60ch;
    margin-bottom: 1.5rem;
}

.insurance-hero__chips {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 1.75rem;
}

.insurance-chip {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 38px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255,255,255,.10);
    border: 1px solid rgba(255,255,255,.18);
    color: rgba(255,255,255,.92);
    font-size: 14px;
    font-weight: 500;
    line-height: 1.2;
    backdrop-filter: blur(8px);
}

.insurance-hero__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 2rem;
}

.insurance-hero__btn--light {
    color: #fff;
    border-color: rgba(255,255,255,.65);
    background: rgba(255,255,255,.06);
}

    .insurance-hero__btn--light:hover {
        color: var(--brand-dark);
        background: var(--brand-yellow);
        border-color: var(--brand-yellow);
    }

.insurance-hero__stats {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,.16);
}

.insurance-stat {
    min-width: 140px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

    .insurance-stat strong {
        font-size: clamp(1.25rem, 2.4vw, 1.7rem);
        line-height: 1;
        font-weight: 700;
        color: var(--brand-yellow);
    }

    .insurance-stat span {
        font-size: 13px;
        line-height: 1.4;
        color: rgba(255,255,255,.72);
    }

/* =========================
   Responsive
   ========================= */
@media (max-width: 991.98px) {
    .insurance-hero {
        min-height: 620px;
    }

    .insurance-hero__overlay {
        background: linear-gradient(180deg, rgba(0,0,0,.72) 0%, rgba(0,0,0,.52) 45%, rgba(0,0,0,.72) 100%);
    }

    .insurance-hero__title {
        max-width: 14ch;
    }

    .insurance-hero__stats {
        gap: 16px 24px;
    }
}

@media (max-width: 575.98px) {
    .insurance-hero {
        min-height: 540px;
    }

    .insurance-hero__bg {
        object-position: 62% center;
    }

    .insurance-hero__title {
        max-width: 100%;
    }

    .insurance-hero__subtitle {
        max-width: 100%;
    }

    .insurance-hero__chips {
        gap: 8px;
    }

    .insurance-chip {
        font-size: 12px;
        min-height: 34px;
        padding: 7px 12px;
    }

    .insurance-hero__actions {
        flex-direction: column;
    }

    .insurance-hero__btn {
        width: 100%;
        justify-content: center;
    }

    .insurance-hero__stats {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 14px;
    }

    .insurance-stat {
        min-width: 0;
    }
}


/* =========================================================
   INSURANCE PAIN POINTS
   ========================================================= */

.section-space {
    padding: clamp(48px, 7vw, 70px) 0;
}

.insurance-pain {
    background: radial-gradient(700px 320px at 10% 0%, rgba(222,31,38,.06) 0%, transparent 60%), radial-gradient(600px 280px at 90% 10%, rgba(246,180,0,.08) 0%, transparent 60%), #fff;
}

.insurance-pain__head {
    max-width: 820px;
    margin: 0 auto 40px;
}

.insurance-pain__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
    font-weight: 600;
    font-size: 14px;
    line-height: 1.2;
    margin-bottom: 14px;
}

    .insurance-pain__eyebrow i {
        color: var(--brand-yellow);
        font-size: 14px;
    }

.insurance-pain__title {
    margin: 0 0 12px;
    font-weight: 600;
    font-size: clamp(2rem, 4vw, 3.5rem);
    line-height: 1.08;
    letter-spacing: -0.02em;
    color: var(--brand-dark);
}

    .insurance-pain__title span {
        color: var(--brand-red);
    }

.insurance-pain__subtitle {
    margin: 0 auto;
    max-width: 60ch;
    color: var(--text-muted);
    font-size: clamp(0.98rem, 1.25vw, 1.08rem);
    line-height: 1.7;
}

.insurance-pain__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
}

.insurance-pain-card {
    position: relative;
    min-height: 250px;
    border-radius: 20px;
    overflow: hidden;
    padding: 28px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    box-shadow: 0 16px 36px rgba(28,28,28,.08);
    transition: transform .18s ease, box-shadow .18s ease;
}

    .insurance-pain-card:hover {
        transform: translateY(-3px);
        box-shadow: 0 22px 44px rgba(28,28,28,.12);
    }

.insurance-pain-card--dark {
    background: #1C1C1C;
}

.insurance-pain-card--red {
    background: var(--brand-red);
}

.insurance-pain-card--green {
    background: #213b2d;
}

.insurance-pain-card--navy {
    background: #1d243d;
}

.insurance-pain-card__number {
    position: absolute;
    top: 14px;
    right: 18px;
    font-size: clamp(3.5rem, 7vw, 5.25rem);
    line-height: 1;
    font-weight: 700;
    color: rgba(255,255,255,.09);
    pointer-events: none;
    user-select: none;
}

.insurance-pain-card__pill {
    display: inline-flex;
    align-items: center;
    width: fit-content;
    min-height: 30px;
    padding: 5px 10px;
    margin-bottom: 14px;
    border-radius: 999px;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.15);
    color: rgba(255,255,255,.88);
    font-size: 12px;
    font-weight: 600;
    line-height: 1.2;
}

.insurance-pain-card__title {
    margin: 0 0 8px;
    font-size: clamp(1.05rem, 1.4vw, 1.2rem);
    line-height: 1.35;
    font-weight: 600;
    color: #fff;
}

.insurance-pain-card__text {
    margin: 0;
    color: rgba(255,255,255,.76);
    font-size: 0.97rem;
    line-height: 1.65;
}

/* Responsive */
@media (max-width: 991.98px) {
    .insurance-pain__grid {
        gap: 16px;
    }

    .insurance-pain-card {
        min-height: 220px;
        padding: 24px;
        border-radius: 18px;
    }
}

@media (max-width: 767.98px) {
    .insurance-pain__grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 575.98px) {
    .section-space {
        padding: 42px 0;
    }

    .insurance-pain__head {
        margin-bottom: 26px;
    }

    .insurance-pain__eyebrow {
        font-size: 12px;
        padding: 7px 12px;
        margin-bottom: 10px;
    }

    .insurance-pain-card {
        min-height: 190px;
        padding: 20px;
        border-radius: 16px;
    }

    .insurance-pain-card__pill {
        font-size: 11px;
        margin-bottom: 10px;
    }

    .insurance-pain-card__text {
        font-size: 0.92rem;
        line-height: 1.6;
    }
}



/* =========================================================
   INSURANCE NEED SELECTOR
   Mobile-first
   ========================================================= */

.insurance-need {
    background: radial-gradient(680px 300px at 8% 0%, rgba(246,180,0,.08) 0%, transparent 60%), radial-gradient(560px 260px at 92% 10%, rgba(222,31,38,.06) 0%, transparent 60%), #fff;
}

.insurance-need__head {
    max-width: 780px;
    margin: 0 auto 24px;
    text-align: left;
}

.insurance-need__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
    font-size: 12px;
    font-weight: 600;
    line-height: 1.2;
}

    .insurance-need__eyebrow i {
        color: var(--brand-yellow);
        font-size: 12px;
    }

.insurance-need__title {
    margin: 0 0 10px;
    color: var(--brand-dark);
    font-size: clamp(1.85rem, 4.8vw, 3.35rem);
    line-height: 1.08;
    letter-spacing: -0.02em;
    font-weight: 600;
}

    .insurance-need__title span {
        color: var(--brand-red);
    }

.insurance-need__subtitle {
    margin: 0;
    max-width: 62ch;
    color: var(--text-muted);
    font-size: 0.96rem;
    line-height: 1.68;
}

.insurance-need__wrap {
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 20px;
    overflow: hidden;
    background: #fff;
    box-shadow: 0 16px 40px rgba(28,28,28,.06);
}

.insurance-need-tabs {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0;
    border-bottom: 1px solid rgba(28,28,28,.08);
    background: #fff;
}

.insurance-need-tab {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 6px;
    min-height: 56px;
    padding: 14px 12px;
    border: 0;
    border-right: 1px solid rgba(28,28,28,.08);
    border-bottom: 1px solid rgba(28,28,28,.08);
    background: #fff;
    color: rgba(28,28,28,.72);
    text-align: center;
    cursor: pointer;
    transition: background-color .18s ease, color .18s ease;
}

    .insurance-need-tab:nth-child(2n) {
        border-right: 0;
    }

    .insurance-need-tab.is-active {
        background: var(--brand-red);
        color: #fff;
        box-shadow: inset 0 -2px 0 rgba(0,0,0,.12);
    }

    .insurance-need-tab i {
        font-size: clamp(18px, 2vw, 20px);
        line-height: 1;
        color: var(--brand-red);
        opacity: .85;
    }

    .insurance-need-tab.is-active i {
        color: #fff;
        opacity: 1;
    }

    .insurance-need-tab span {
        font-size: clamp(13px, 1.6vw, 15px);
        line-height: 1.25;
        font-weight: 600;
    }

    .insurance-need-tab.is-active i {
        color: #fff;
    }

.insurance-need-panel {
    padding: 18px;
}

.insurance-need-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}

.insurance-need-card {
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 18px;
    background: #fff;
    overflow: hidden;
}

.insurance-need-card__head {
    padding: 12px 16px;
    font-size: 12px;
    font-weight: 700;
    line-height: 1.2;
    text-transform: uppercase;
    letter-spacing: .04em;
}

.insurance-need-card__head--must {
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
}

.insurance-need-card__head--recommended {
    background: rgba(246,180,0,.16);
    color: #6b5600;
}

.insurance-need-list {
    padding: 6px 16px 8px;
}

.insurance-need-item {
    display: grid;
    grid-template-columns: 12px 1fr;
    gap: 12px;
    padding: 14px 0;
    border-top: 1px solid rgba(28,28,28,.08);
}

    .insurance-need-item:first-child {
        border-top: 0;
    }

.insurance-need-item__dot {
    width: 10px;
    height: 10px;
    margin-top: 6px;
    border-radius: 50%;
    display: block;
}

.insurance-need-item__dot--must {
    background: var(--brand-red);
}

.insurance-need-item__dot--recommended {
    background: var(--brand-yellow);
}

.insurance-need-item h3 {
    margin: 0 0 2px;
    color: var(--brand-dark);
    font-size: 1rem;
    line-height: 1.35;
    font-weight: 600;
}

.insurance-need-item small {
    display: block;
    margin-bottom: 6px;
    color: rgba(28,28,28,.48);
    font-size: 0.78rem;
    line-height: 1.3;
    font-weight: 500;
}

.insurance-need-item p {
    margin: 0;
    color: var(--text-muted);
    font-size: 0.93rem;
    line-height: 1.6;
}

.insurance-need__note {
    margin-top: 18px;
}

.insurance-need-note {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 14px 16px;
    border-radius: 14px;
    border: 1px solid rgba(246,180,0,.30);
    background: rgba(246,180,0,.10);
}

    .insurance-need-note i {
        color: #8a6d00;
        font-size: 15px;
        margin-top: 2px;
    }

    .insurance-need-note p {
        margin: 0;
        color: rgba(28,28,28,.72);
        font-size: 0.92rem;
        line-height: 1.6;
    }

/* Tablet */
@media (min-width: 576px) {
    .insurance-need__head {
        margin-bottom: 28px;
    }

    .insurance-need__eyebrow {
        font-size: 13px;
        padding: 8px 14px;
    }

    .insurance-need__subtitle {
        font-size: 1rem;
    }

    .insurance-need-panel {
        padding: 20px;
    }

    .insurance-need-item h3 {
        font-size: 1.04rem;
    }
}

/* Tabs in one row on medium screens */
@media (min-width: 768px) {

    .insurance-need-tabs {
        grid-template-columns: repeat(4, minmax(0, 1fr));
    }

    .insurance-need-tab {
        min-height: 58px;
        border-bottom: 0;
        border-right: 1px solid rgba(28,28,28,.08);
        flex-direction: row;
        gap: 8px;
    }

        .insurance-need-tab:last-child {
            border-right: 0;
        }

        .insurance-need-tab i {
            font-size: 16px;
        }

    .insurance-need-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

/* Desktop */
@media (min-width: 992px) {
    .insurance-need__head {
        text-align: center;
        margin-bottom: 34px;
    }

    .insurance-need__subtitle {
        margin-inline: auto;
    }

    .insurance-need__wrap {
        border-radius: 22px;
    }

    .insurance-need-panel {
        padding: 26px;
    }

    .insurance-need-grid {
        gap: 20px;
    }

    .insurance-need-card {
        border-radius: 20px;
    }

    .insurance-need-card__head {
        padding: 14px 18px;
    }

    .insurance-need-list {
        padding: 8px 18px 10px;
    }

    .insurance-need-item {
        padding: 16px 0;
    }
}




/* =========================================================
   INSURANCE EXPLORER
   Mobile-first
   ========================================================= */

.insurance-explorer {
    background: radial-gradient(640px 280px at 8% 0%, rgba(222,31,38,.06) 0%, transparent 60%), radial-gradient(560px 240px at 92% 8%, rgba(246,180,0,.08) 0%, transparent 60%), #fff;
}

.insurance-explorer__head {
    max-width: 820px;
    margin: 0 auto 24px;
    text-align: left;
}

.insurance-explorer__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
    font-size: 12px;
    font-weight: 600;
    line-height: 1.2;
}

    .insurance-explorer__eyebrow i {
        color: var(--brand-yellow);
        font-size: 12px;
    }

.insurance-explorer__title {
    margin: 0 0 10px;
    color: var(--brand-dark);
    font-size: clamp(1.85rem, 4.8vw, 3.35rem);
    line-height: 1.08;
    letter-spacing: -0.02em;
    font-weight: 600;
}

    .insurance-explorer__title span {
        color: var(--brand-red);
    }

.insurance-explorer__subtitle {
    margin: 0;
    max-width: 62ch;
    color: var(--text-muted);
    font-size: clamp(0.98rem, 1.2vw, 1.05rem);
    line-height: 1.68;
}

.insurance-explorer__wrap {
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 20px;
    background: #fff;
    box-shadow: 0 16px 40px rgba(28,28,28,.06);
    overflow: hidden;
}

.insurance-explorer__filters {
    display: flex;
    gap: 10px;
    padding: 14px;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    border-bottom: 1px solid rgba(28,28,28,.08);
    background: #fff;
}

    .insurance-explorer__filters::-webkit-scrollbar {
        display: none;
    }

.insurance-filter {
    flex: 0 0 auto;
    min-height: 40px;
    padding: 9px 14px;
    border-radius: 999px;
    border: 1px solid rgba(28,28,28,.12);
    background: #fff;
    color: rgba(28,28,28,.72);
    font-size: 13px;
    font-weight: 600;
    line-height: 1.2;
    cursor: pointer;
    transition: background-color .18s ease, color .18s ease, border-color .18s ease;
}

    .insurance-filter.is-active {
        background: var(--brand-red);
        border-color: var(--brand-red);
        color: #fff;
    }

.insurance-explorer__panel {
    padding: 14px;
}

.insurance-explorer__list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.insurance-row {
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 18px;
    overflow: hidden;
    background: #fff;
}

.insurance-row__trigger {
    width: 100%;
    padding: 16px 14px;
    border: 0;
    background: #fff;
    text-align: left;
    display: grid;
    grid-template-columns: 42px 1fr auto;
    gap: 12px;
    align-items: center;
    cursor: pointer;
}

.insurance-row.is-open .insurance-row__trigger {
    background: rgba(222,31,38,.01);
}

.insurance-row__icon {
    width: 42px;
    height: 42px;
    border-radius: 12px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--brand-red);
    background: rgba(222,31,38,.08);
    border: 1px solid rgba(222,31,38,.10);
    flex-shrink: 0;
}

.insurance-row__meta {
    min-width: 0;
}

.insurance-row__title {
    margin: 0 0 2px;
    color: var(--brand-dark);
    font-size: 1rem;
    line-height: 1.35;
    font-weight: 600;
}

.insurance-row__sub {
    margin: 0;
    color: rgba(28,28,28,.48);
    font-size: 0.78rem;
    line-height: 1.35;
    font-weight: 500;
}

.insurance-row__right {
    display: flex;
    align-items: center;
    gap: 8px;
    justify-self: end;
}

.insurance-badge {
    display: inline-flex;
    align-items: center;
    min-height: 26px;
    padding: 4px 9px;
    border-radius: 999px;
    font-size: 10px;
    font-weight: 700;
    line-height: 1.2;
    white-space: nowrap;
}

.insurance-badge--mandatory {
    background: rgba(222,31,38,.10);
    color: var(--brand-red);
}

.insurance-badge--important {
    background: rgba(246,180,0,.18);
    color: #7a5c00;
}

.insurance-badge--optional {
    background: rgba(147,168,172,.16);
    color: #3f4f53;
}

.insurance-row__arrow {
    width: 16px;
    height: 16px;
    color: rgba(28,28,28,.45);
    transition: transform .18s ease;
    flex-shrink: 0;
}

.insurance-row.is-open .insurance-row__arrow {
    transform: rotate(180deg);
}

.insurance-row__body {
    display: none;
    padding: 0 14px 16px 14px;
}

.insurance-row.is-open .insurance-row__body {
    display: block;
}

.insurance-row__body-inner {
    margin-left: 54px;
    padding-top: 2px;
}

.insurance-row__desc {
    margin: 0 0 12px;
    color: var(--text-muted);
    font-size: 0.94rem;
    line-height: 1.68;
}

.insurance-row__who {
    display: flex;
    gap: 8px;
    align-items: flex-start;
    padding-top: 12px;
    border-top: 1px solid rgba(28,28,28,.08);
}

.insurance-row__who-label {
    color: var(--brand-dark);
    font-size: 0.86rem;
    font-weight: 700;
    line-height: 1.5;
    flex-shrink: 0;
}

.insurance-row__who-text {
    color: rgba(28,28,28,.68);
    font-size: 0.9rem;
    line-height: 1.6;
}

/* Hover only where supported */
@media (hover: hover) {
    .insurance-filter:hover {
        border-color: rgba(222,31,38,.28);
        color: var(--brand-red);
    }

    .insurance-row__trigger:hover {
        background: rgba(222,31,38,.02);
    }
}

/* Tablet */
@media (min-width: 576px) {
    .insurance-explorer__head {
        margin-bottom: 28px;
    }

    .insurance-explorer__eyebrow {
        font-size: 13px;
        padding: 8px 14px;
    }

    .insurance-filter {
        font-size: 13px;
    }

    .insurance-explorer__panel {
        padding: 18px;
    }

    .insurance-row__trigger {
        padding: 17px 16px;
    }

    .insurance-row__body {
        padding: 0 16px 18px 16px;
    }
}

/* Desktop */
@media (min-width: 992px) {
    .insurance-explorer__head {
        text-align: center;
        margin-bottom: 34px;
    }

    .insurance-explorer__subtitle {
        margin-inline: auto;
    }

    .insurance-explorer__wrap {
        border-radius: 22px;
    }

    .insurance-explorer__filters {
        padding: 16px 18px;
        justify-content: center;
        flex-wrap: wrap;
        overflow: visible;
    }

    .insurance-explorer__panel {
        padding: 20px;
    }

    .insurance-row__trigger {
        padding: 18px 18px;
        grid-template-columns: 46px 1fr auto;
    }

    .insurance-row__icon {
        width: 46px;
        height: 46px;
        font-size: 19px;
    }

    .insurance-row__title {
        font-size: 1.05rem;
    }

    .insurance-row__body {
        padding: 0 18px 18px 18px;
    }

    .insurance-row__body-inner {
        margin-left: 58px;
        max-width: 80ch;
    }
}

/* Small mobile cleanup */
@media (max-width: 420px) {
    .insurance-row__trigger {
        grid-template-columns: 38px 1fr auto;
        gap: 10px;
    }

    .insurance-row__icon {
        width: 38px;
        height: 38px;
        border-radius: 10px;
        font-size: 16px;
    }

    .insurance-badge {
        display: none;
    }

    .insurance-row__body-inner {
        margin-left: 0;
    }
}


/* =========================================================
   INSURANCE TAX TABLE
   ========================================================= */

.insurance-tax {
    background: radial-gradient(600px 260px at 10% 0%, rgba(246,180,0,.08) 0%, transparent 60%), radial-gradient(520px 240px at 90% 10%, rgba(222,31,38,.06) 0%, transparent 60%), #fff;
}

.insurance-tax__head {
    max-width: 780px;
    margin: 0 auto 28px;
    text-align: left;
}

.insurance-tax__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(246,180,0,.14);
    color: #7a5c00;
    font-size: 12px;
    font-weight: 600;
    line-height: 1.2;
}

.insurance-tax__title {
    margin: 0 0 10px;
    font-size: clamp(1.9rem, 4.5vw, 3.2rem);
    font-weight: 600;
    line-height: 1.08;
    color: var(--brand-dark);
}

    .insurance-tax__title span {
        color: var(--brand-red);
    }

.insurance-tax__subtitle {
    margin: 0;
    max-width: 60ch;
    color: var(--text-muted);
    font-size: clamp(0.98rem, 1.2vw, 1.05rem);
    line-height: 1.7;
}

.insurance-tax__wrap {
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 20px;
    overflow: hidden;
    background: #fff;
    box-shadow: 0 16px 40px rgba(28,28,28,.06);
}

.tax-table {
    width: 100%;
    border-collapse: collapse;
}

    .tax-table thead tr {
        border-bottom: 1px solid rgba(28,28,28,.08);
    }

    .tax-table th {
        padding: 14px 16px;
        text-align: left;
        font-size: 11px;
        font-weight: 700;
        line-height: 1.2;
        letter-spacing: .04em;
        text-transform: uppercase;
        color: rgba(28,28,28,.52);
        background: #fff;
    }

    .tax-table tbody tr {
        border-bottom: 1px solid rgba(28,28,28,.08);
        transition: background-color .18s ease;
    }

        .tax-table tbody tr:last-child {
            border-bottom: 0;
        }

.trow-ico {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
}

.tax-table td {
    padding: 16px;
    vertical-align: middle;
}

.trow-name {
    margin-bottom: 2px;
    color: var(--brand-dark);
    font-size: 1rem;
    font-weight: 600;
    line-height: 1.35;
}

.trow-de {
    color: rgba(28,28,28,.48);
    font-size: 0.8rem;
    line-height: 1.35;
    font-weight: 500;
}

.trow-desc {
    color: var(--text-muted);
    font-size: 0.94rem;
    line-height: 1.65;
}

.trow-benefit {
    display: inline-flex;
    align-items: center;
    min-height: 28px;
    padding: 5px 10px;
    border-radius: 999px;
    background: rgba(246,180,0,.18);
    color: #7a5c00;
    font-size: 11px;
    font-weight: 700;
    line-height: 1.2;
    white-space: nowrap;
}

.insurance-tax__note {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    padding: 14px 16px;
    border-top: 1px solid rgba(28,28,28,.08);
    background: rgba(246,180,0,.08);
}

    .insurance-tax__note i {
        color: #7a5c00;
        font-size: 15px;
        margin-top: 2px;
    }

    .insurance-tax__note p {
        margin: 0;
        color: rgba(28,28,28,.72);
        font-size: 0.92rem;
        line-height: 1.6;
    }

@media (hover: hover) {
    .tax-table tbody tr:hover {
        background: rgba(222,31,38,.02);
    }
}

/* Tablet */
@media (min-width: 768px) {
    .insurance-tax__head {
        margin-bottom: 32px;
    }
}

/* Desktop */
@media (min-width: 992px) {
    .insurance-tax__head {
        text-align: center;
    }

    .insurance-tax__subtitle {
        margin-inline: auto;
    }
}

/* Mobile */
@media (max-width: 767.98px) {
    .tax-col-desc {
        display: none;
    }

    .tax-table th,
    .tax-table td {
        padding: 14px 12px;
    }

    .trow-name {
        font-size: 0.95rem;
    }

    .trow-de {
        font-size: 0.76rem;
    }

    .trow-benefit {
        font-size: 10px;
        padding: 4px 8px;
    }
}

@media (max-width: 479.98px) {
    .tax-table th:first-child,
    .tax-table td:first-child {
        width: 52px;
    }

    .trow-ico {
        width: 34px;
        height: 34px;
        font-size: 15px;
    }

    .trow-benefit {
        white-space: normal;
        text-align: center;
    }
}


/* =========================================================
   INSURANCE STEPS
   ========================================================= */

.insurance-steps {
    background: radial-gradient(640px 280px at 10% 0%, rgba(222,31,38,.06) 0%, transparent 60%), radial-gradient(520px 240px at 90% 10%, rgba(246,180,0,.08) 0%, transparent 60%), #fff;
}

.insurance-steps__head {
    max-width: 780px;
    margin: 0 auto 28px;
    text-align: left;
}

.insurance-steps__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
    font-size: 12px;
    font-weight: 600;
    line-height: 1.2;
}

    .insurance-steps__eyebrow i {
        color: var(--brand-yellow);
        font-size: 12px;
    }

.insurance-steps__title {
    margin: 0 0 10px;
    color: var(--brand-dark);
    font-size: clamp(1.9rem, 4.5vw, 3.2rem);
    font-weight: 600;
    line-height: 1.08;
    letter-spacing: -0.02em;
}

    .insurance-steps__title span {
        color: var(--brand-red);
    }

.insurance-steps__subtitle {
    margin: 0;
    max-width: 60ch;
    color: var(--text-muted);
    font-size: clamp(0.98rem, 1.2vw, 1.05rem);
    line-height: 1.7;
}

.insurance-steps__grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}

.insurance-step-card {
    position: relative;
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 20px;
    background: #fff;
    padding: 22px 20px;
    box-shadow: 0 14px 32px rgba(28,28,28,.06);
    overflow: hidden;
}

.insurance-step-card__number {
    width: 48px;
    height: 48px;
    margin-bottom: 14px;
    border-radius: 50%;
    background: var(--brand-red);
    color: #fff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 700;
    line-height: 1;
    box-shadow: 0 10px 20px rgba(222,31,38,.18);
}

.insurance-step-card__title {
    margin: 0 0 8px;
    color: var(--brand-dark);
    font-size: 1.08rem;
    font-weight: 600;
    line-height: 1.35;
}

.insurance-step-card__text {
    margin: 0 0 14px;
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.65;
}

.insurance-step-card__tag {
    display: inline-flex;
    align-items: center;
    min-height: 30px;
    padding: 6px 10px;
    border-radius: 999px;
    background: rgba(222,31,38,.08);
    color: var(--brand-red);
    font-size: 12px;
    font-weight: 700;
    line-height: 1.2;
}

@media (hover: hover) {
    .insurance-step-card:hover {
        transform: translateY(-3px);
        box-shadow: 0 20px 40px rgba(28,28,28,.10);
        transition: transform .18s ease, box-shadow .18s ease;
    }
}

/* Tablet */
@media (min-width: 576px) {
    .insurance-steps__head {
        margin-bottom: 30px;
    }

    .insurance-step-card {
        padding: 24px;
    }

    .insurance-step-card__title {
        font-size: 1.12rem;
    }
}

/* Desktop */
@media (min-width: 992px) {
    .insurance-steps__head {
        text-align: center;
        margin-bottom: 36px;
    }

    .insurance-steps__subtitle {
        margin-inline: auto;
    }

    .insurance-steps__grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 20px;
    }

    .insurance-step-card {
        padding: 28px 24px;
    }
}