:root{--insurance-navy:#07152f;--insurance-navy2:#0d2348;--insurance-gold:var(--gold,#f2b300);--insurance-ink:var(--ink,#07152f);--insurance-muted:var(--muted,#687386);--insurance-line:var(--line,#e8edf3);--insurance-bg:#f6f8fb;--insurance-ease:var(--ease,cubic-bezier(.2,.8,.2,1));--insurance-shadow:0 18px 45px rgba(7,21,47,.09);--insurance-shadow-lg:0 35px 90px rgba(7,21,47,.18)}

body.locked{overflow:hidden}

.insurance-hero{position:relative;overflow:hidden;height:75vh;min-height:520px;max-height:720px;padding:clamp(35px,5vh,70px) 0;color:#fff;display:flex;align-items:center;background:#07152f}
.insurance-hero:before,.insurance-hero:after{content:"";position:absolute;border-radius:50%;pointer-events:none;z-index:1}
.insurance-hero:before{width:560px;height:560px;right:-210px;top:-260px;background:rgba(242,179,0,.08);border:1px solid rgba(255,255,255,.08)}
.insurance-hero:after{width:420px;height:420px;left:-240px;bottom:-300px;background:rgba(255,255,255,.035)}
.insurance-hero-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,21,47,.92) 0%,rgba(7,21,47,.72) 48%,rgba(7,21,47,.3) 100%),url("assets/background1.jpg") center/cover}
.insurance-hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.68fr);gap:clamp(35px,6vw,80px);align-items:center}
.insurance-eyebrow,.insurance-heading>span,.section-kicker{display:inline-flex;align-items:center;gap:8px;font-size:10px;font-weight:800;letter-spacing:.16em;color:var(--insurance-gold)}
.insurance-eyebrow i{font-size:14px}
.insurance-copy h1{max-width:820px;margin:14px 0;font-size:clamp(2.6rem,5vw,4.6rem);line-height:1.02;letter-spacing:-.06em}
.insurance-copy h1 strong,.insurance-heading h2 strong,.support-layout h2 strong{color:var(--insurance-gold)}
.insurance-copy>p{max-width:650px;margin:0;color:#d6dfec;font-size:13px;line-height:1.75}
.insurance-points{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:22px}
.insurance-points span{display:inline-flex;align-items:center;gap:7px;color:#dce5f0;font-size:11px;font-weight:600}
.insurance-points i{color:var(--insurance-gold);font-size:11px}
.insurance-actions{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:27px}
.insurance-hero .btn.primary,.insurance-form .btn.primary{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:0 22px;border:1px solid var(--insurance-gold);border-radius:12px;background:var(--insurance-gold);color:var(--insurance-ink);font-size:12px;font-weight:800;cursor:pointer;box-shadow:0 12px 30px rgba(242,179,0,.2);transition:.25s var(--insurance-ease)}
.insurance-hero .btn.primary:hover,.insurance-form .btn.primary:hover{transform:translateY(-3px);box-shadow:0 18px 35px rgba(242,179,0,.28)}
.insurance-glass{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:0 20px;border:1px solid rgba(255,255,255,.2);border-radius:12px;background:rgba(255,255,255,.08);color:#fff;font-size:12px;font-weight:700;backdrop-filter:blur(8px);transition:.25s var(--insurance-ease)}
.insurance-glass:hover{color:var(--insurance-gold);border-color:rgba(242,179,0,.5);transform:translateY(-3px)}

.insurance-hero-card{padding:30px;border:1px solid rgba(255,255,255,.13);border-radius:24px;background:linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.045));box-shadow:0 30px 80px rgba(0,0,0,.22);backdrop-filter:blur(18px);transition:.3s var(--insurance-ease)}
.insurance-hero-card:hover{transform:translateY(-8px);box-shadow:0 40px 90px rgba(0,0,0,.3)}
.insurance-card-icon{width:58px;height:58px;display:grid;place-items:center;margin-bottom:21px;border-radius:16px;background:var(--insurance-gold);color:var(--insurance-navy);font-size:22px;box-shadow:0 10px 25px rgba(242,179,0,.2)}
.insurance-hero-card>span{display:block;font-size:10px;font-weight:800;letter-spacing:.14em;color:var(--insurance-gold)}
.insurance-hero-card>strong{display:block;margin:11px 0 13px;font-size:38px;line-height:1.05;letter-spacing:-.04em}
.insurance-hero-card p{margin:0;color:#d6dfec;font-size:12px;line-height:1.75}
.insurance-card-line{height:1px;margin:22px 0;background:rgba(255,255,255,.14)}
.insurance-hero-card small{display:flex;align-items:center;gap:8px;margin-top:9px;color:#d6dfec;font-size:10px}
.insurance-hero-card small i{color:var(--insurance-gold)}

.insurance-section{padding:68px 0;background:#fff}
.insurance-heading{max-width:760px;margin-bottom:36px}
.insurance-heading h2{margin:10px 0 12px;color:var(--insurance-ink);font-size:clamp(2rem,3.8vw,3.35rem);line-height:1.08;letter-spacing:-.055em}
.insurance-heading p{margin:0;color:var(--insurance-muted);font-size:13px;line-height:1.75}
.insurance-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.insurance-card{position:relative;overflow:hidden;padding:27px 23px;border:1px solid var(--insurance-line);border-radius:18px;background:#fff;box-shadow:0 7px 20px rgba(7,21,47,.04);transition:.28s var(--insurance-ease)}
.insurance-card:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--insurance-gold);transform:scaleX(0);transform-origin:left;transition:.3s var(--insurance-ease)}
.insurance-card:hover:before{transform:scaleX(1)}
.insurance-card:hover{transform:translateY(-7px);border-color:rgba(242,179,0,.4);box-shadow:var(--insurance-shadow)}
.insurance-icon{width:50px;height:50px;display:grid;place-items:center;margin-bottom:19px;border-radius:14px;background:var(--insurance-navy);color:var(--insurance-gold);font-size:19px}
.insurance-card h3{margin:0 0 9px;color:var(--insurance-ink);font-size:15px;line-height:1.35}
.insurance-card p{margin:0;color:var(--insurance-muted);font-size:11px;line-height:1.75}

.insurance-network{padding:65px 0;background:var(--insurance-bg)}
.partner-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}
.partner-grid>div{display:flex;align-items:center;gap:14px;min-height:74px;padding:18px 20px;border:1px solid var(--insurance-line);border-radius:16px;background:#fff;box-shadow:0 6px 18px rgba(7,21,47,.035);transition:.25s var(--insurance-ease)}
.partner-grid>div:hover{transform:translateY(-5px);border-color:rgba(242,179,0,.4);box-shadow:var(--insurance-shadow)}
.partner-grid i{width:40px;height:40px;display:grid;place-items:center;flex:0 0 40px;border-radius:12px;background:rgba(242,179,0,.12);color:#b78300;font-size:16px}
.partner-grid strong{color:var(--insurance-ink);font-size:12px}

.insurance-support{padding:70px 0;background:linear-gradient(135deg,var(--insurance-navy),var(--insurance-navy2));color:#fff}
.support-layout{display:grid;grid-template-columns:minmax(0,.85fr) minmax(340px,1.15fr);gap:70px;align-items:center}
.support-layout h2{margin:10px 0 13px;font-size:clamp(2rem,4vw,3.45rem);line-height:1.05;letter-spacing:-.055em}
.support-layout>div:first-child>p{max-width:520px;margin:0;color:#cbd7e5;font-size:13px;line-height:1.75}
.support-list{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.support-list>div{display:flex;align-items:center;gap:13px;min-height:72px;padding:17px 18px;border:1px solid rgba(255,255,255,.1);border-radius:16px;background:rgba(255,255,255,.06);backdrop-filter:blur(8px);transition:.25s var(--insurance-ease)}
.support-list>div:hover{transform:translateY(-4px);border-color:rgba(242,179,0,.45);background:rgba(255,255,255,.09)}
.support-list i{width:38px;height:38px;display:grid;place-items:center;flex:0 0 38px;border-radius:11px;background:rgba(242,179,0,.15);color:var(--insurance-gold);font-size:15px}
.support-list span{font-size:11px;font-weight:700;line-height:1.4}

.insurance-form-section{display:none;position:fixed;inset:0;z-index:5000;overflow-y:auto;padding:22px;background:rgba(4,13,29,.76);backdrop-filter:blur(8px)}
.insurance-form-section.active{display:block}
.insurance-form-section>.wrap{width:min(920px,100%);margin:20px auto;padding:0;border-radius:22px;background:#fff;box-shadow:var(--insurance-shadow-lg);animation:insuranceIn .25s var(--insurance-ease)}
@keyframes insuranceIn{from{opacity:0;transform:translateY(18px) scale(.985)}to{opacity:1;transform:none}}
.insurance-form-section .insurance-heading{max-width:none;margin:0;padding:29px 34px 22px;border-bottom:1px solid var(--insurance-line);background:linear-gradient(135deg,#fff,#fffaf0);border-radius:22px 22px 0 0}
.insurance-form-section .insurance-heading span{font-size:9px;color:#a87400}
.insurance-form-section .insurance-heading h2{margin:7px 0;font-size:30px}
.insurance-form-section .insurance-heading p{max-width:690px;font-size:11px}

.insurance-form{position:relative;padding:27px 34px 34px}
.insurance-form-close{position:absolute;top:-77px;right:27px;width:42px;height:42px;border:1px solid var(--insurance-line);border-radius:12px;background:#fff;color:var(--insurance-ink);font-size:18px;cursor:pointer;transition:.22s var(--insurance-ease);z-index:3}
.insurance-form-close:hover{transform:rotate(90deg);background:#fff7df;border-color:#f0c75d}
.insurance-form-group{margin-bottom:27px}
.insurance-form-group h3{margin:0 0 15px;color:var(--insurance-ink);font-size:14px}
.insurance-form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}
.insurance-form label{display:flex;flex-direction:column;gap:7px;color:#465266;font-size:11px;font-weight:700}
.insurance-form input:not([type="checkbox"]),.insurance-form select{box-sizing:border-box;width:100%;height:46px;padding:0 13px;border:1px solid var(--insurance-line);border-radius:11px;background:#fff;color:var(--insurance-ink);font:inherit;font-size:13px;transition:.2s var(--insurance-ease)}
.insurance-form select{cursor:pointer}
.insurance-form select:disabled{cursor:not-allowed;background:#f4f6f8;color:#9ba5b2}
.insurance-form input:focus,.insurance-form select:focus{outline:none;border-color:rgba(242,179,0,.8);box-shadow:0 0 0 4px rgba(242,179,0,.12)}

.insurance-upload-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.insurance-upload-grid>label{min-height:155px;padding:17px;border:1px dashed #cbd4df;border-radius:15px;background:#fafbfd;justify-content:flex-start;transition:.22s var(--insurance-ease)}
.insurance-upload-grid>label:hover{border-color:var(--insurance-gold);background:#fffaf0}
.insurance-upload-grid small{display:block;min-height:34px;color:var(--insurance-muted);font-size:9px;font-weight:500;line-height:1.55}
.insurance-upload-grid input[type="file"]{width:100%;height:auto;margin-top:auto;padding:9px 0;border:0;border-radius:0;background:transparent;font-size:10px;box-shadow:none}
.insurance-upload-grid input[type="file"]::file-selector-button{margin-right:8px;padding:8px 11px;border:1px solid var(--insurance-line);border-radius:8px;background:#fff;color:var(--insurance-ink);font:inherit;font-size:9px;font-weight:700;cursor:pointer}

.insurance-consent{margin:6px 0 21px;padding:16px 18px;border:1px solid #f0dfa9;border-radius:14px;background:#fffaf0}
.insurance-consent label{display:flex;flex-direction:row;align-items:flex-start;gap:10px;color:#655b42;font-size:10px;font-weight:600;line-height:1.65}
.insurance-consent input{width:15px;height:15px;flex:0 0 15px;margin-top:2px;accent-color:var(--insurance-gold)}
.insurance-form>.btn.primary{width:100%;min-height:50px}
.insurance-form-note{margin:13px 0 0;color:#8791a0;text-align:center;font-size:9px;line-height:1.6}

.insurance-note{padding:22px 0;background:#fffaf0;border-top:1px solid #f0dfa9}
.insurance-note .wrap{display:flex;align-items:flex-start;gap:12px}
.insurance-note i{margin-top:2px;color:#b78300;font-size:17px}
.insurance-note p{margin:0;color:#74694e;font-size:10px;line-height:1.7}
.insurance-note strong{color:var(--insurance-ink)}

/* =========================================================
   RESPONSIVE – TABLETS & SMALL LAPTOPS
   ========================================================= */
@media (max-width: 992px) {
  .insurance-hero-inner {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .insurance-hero-card {
    max-width: 500px;
  }
  .support-layout {
    grid-template-columns: 1fr;
    gap: 35px;
  }
}

/* =========================================================
   RESPONSIVE – TABLETS & LARGE PHONES
   ========================================================= */
@media (max-width: 768px) {
  /* Hero */
  .insurance-hero {
    height: auto;
    min-height: 0;
    padding: 40px 0;
  }
  .insurance-hero-inner {
    gap: 24px;
  }
  .insurance-copy h1 {
    font-size: clamp(2rem, 8vw, 3rem);
  }
  .insurance-copy > p {
    font-size: 12px;
  }
  .insurance-points {
    gap: 8px;
    margin-top: 15px;
  }
  .insurance-points span {
    font-size: 9px;
  }
  .insurance-actions {
    flex-direction: column;
    align-items: flex-start;
  }
  .insurance-actions .btn {
    width: 100%;
    justify-content: center;
  }
  .insurance-hero-card {
    padding: 20px;
  }
  .insurance-hero-card > strong {
    font-size: 28px;
  }
  .insurance-hero-card p {
    font-size: 10px;
  }

  /* Insurance cards – two columns */
  .insurance-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
  .insurance-card {
    padding: 20px 16px;
  }
  .insurance-icon {
    width: 42px;
    height: 42px;
    font-size: 16px;
    margin-bottom: 14px;
  }
  .insurance-card h3 {
    font-size: 13px;
  }
  .insurance-card p {
    font-size: 9px;
  }

  /* Partner grid – two columns */
  .partner-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
  }
  .partner-grid > div {
    min-height: 60px;
    padding: 14px 15px;
  }
  .partner-grid i {
    width: 34px;
    height: 34px;
    font-size: 14px;
  }
  .partner-grid strong {
    font-size: 11px;
  }

  /* Support list – two columns */
  .support-list {
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
  }
  .support-list > div {
    min-height: auto;
    padding: 15px;
  }
  .support-list i {
    width: 32px;
    height: 32px;
    font-size: 13px;
  }
  .support-list span {
    font-size: 10px;
  }

  /* Insurance form modal – full screen */
  .insurance-form-section {
    padding: 10px;
  }
  .insurance-form-section > .wrap {
    margin: 0 auto;
    border-radius: 18px;
  }
  .insurance-form-section .insurance-heading {
    padding: 20px 20px 16px;
  }
  .insurance-form-section .insurance-heading h2 {
    font-size: 24px;
  }
  .insurance-form {
    padding: 20px;
  }
  .insurance-form-close {
    top: -62px;
    right: 18px;
    width: 38px;
    height: 38px;
  }
  .insurance-form-grid {
    grid-template-columns: 1fr;
    gap: 13px;
  }
  .insurance-form-group h3 {
    font-size: 13px;
  }

  /* Upload grid – two columns */
  .insurance-upload-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
  }
  .insurance-upload-grid > label {
    min-height: 130px;
    padding: 14px;
  }
  .insurance-upload-grid small {
    font-size: 8px;
  }
}

/* =========================================================
   RESPONSIVE – SMALL PHONES
   ========================================================= */
@media (max-width: 480px) {
  .insurance-copy h1 {
    font-size: 1.8rem;
  }
  .insurance-points span {
    font-size: 8px;
  }

  /* Insurance cards – keep two columns but tighter */
  .insurance-grid {
    gap: 8px;
  }
  .insurance-card {
    padding: 16px 12px;
    border-radius: 14px;
  }
  .insurance-icon {
    width: 36px;
    height: 36px;
    font-size: 14px;
    margin-bottom: 10px;
  }
  .insurance-card h3 {
    font-size: 12px;
  }
  .insurance-card p {
    font-size: 8px;
  }

  /* Partner grid – two columns but smaller */
  .partner-grid {
    gap: 8px;
  }
  .partner-grid > div {
    padding: 12px;
    gap: 10px;
  }
  .partner-grid i {
    width: 30px;
    height: 30px;
    font-size: 12px;
  }
  .partner-grid strong {
    font-size: 10px;
  }

  /* Support list – two columns but compact */
  .support-list {
    gap: 8px;
  }
  .support-list > div {
    padding: 12px;
    gap: 10px;
  }
  .support-list i {
    width: 28px;
    height: 28px;
    font-size: 12px;
  }
  .support-list span {
    font-size: 9px;
  }

  /* Insurance form – full width, upload grid single column if needed */
  .insurance-form-section {
    padding: 5px;
  }
  .insurance-form-section > .wrap {
    border-radius: 14px;
  }
  .insurance-form {
    padding: 16px;
  }
  .insurance-upload-grid {
    grid-template-columns: 1fr; /* single column for very small screens */
  }
  .mpesa-presets {
    grid-template-columns: 1fr 1fr;
  }
}