.insurance-page {
  --ins-navy: #1e3a5f;
  --ins-navy-light: #2d4a6f;
  --ins-slate: #4a5568;
  --ins-charcoal: #2d3748;
  --ins-gold: #c9a227;
  --ins-gold-light: #e0bc4e;
  --ins-amber: #d4a574;
  --ins-coral: #e07b54;
  --ins-cream: #faf8f5;
  --ins-ivory: #f5f3ef;
  --ins-white: #ffffff;
  --ins-teal: #0d9488;
  --ins-teal-dark: #0a7c72;
  --ins-success: #059669;
  --font-display: "Playfair Display", Georgia, serif;
  --font-body: "Source Sans 3", -apple-system, BlinkMacSystemFont, sans-serif;
  --space-xs: 8px;
  --space-sm: 16px;
  --space-md: 24px;
  --space-lg: 40px;
  --space-xl: 64px;
  --space-2xl: 100px;
  --ease-smooth: cubic-bezier(0.4, 0, 0.2, 1);
}

.insurance-hero {
  position: relative;
  height: 65vh;
  min-height: 500px;
  max-height: 700px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background: var(--ins-navy);
}

.insurance-hero__background {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
}

.insurance-hero__image {
  width: 100%;
  height: 100%;
  -o-object-fit: cover;
     object-fit: cover;
  opacity: 0;
  -webkit-animation: heroFadeIn 1.2s var(--ease-smooth) 0.2s forwards;
          animation: heroFadeIn 1.2s var(--ease-smooth) 0.2s forwards;
}

@-webkit-keyframes heroFadeIn {
  to {
    opacity: 1;
  }
}

@keyframes heroFadeIn {
  to {
    opacity: 1;
  }
}
.insurance-hero__overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(ellipse 80% 70% at 50% 50%, rgba(30, 58, 95, 0.3) 0%, rgba(30, 58, 95, 0.5) 60%, rgba(30, 58, 95, 0.75) 100%), linear-gradient(180deg, rgba(30, 58, 95, 0.4) 0%, rgba(30, 58, 95, 0.3) 50%, rgba(30, 58, 95, 0.6) 100%);
  z-index: 1;
}

.insurance-hero__content {
  position: relative;
  z-index: 2;
  text-align: center;
  padding: 0 var(--space-md);
  max-width: 800px;
  margin-top: 80px;
}

.insurance-hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--ins-gold-light);
  margin-bottom: var(--space-sm);
  padding: 10px 24px;
  background: rgba(201, 162, 39, 0.15);
  border: 1px solid rgba(201, 162, 39, 0.3);
  border-radius: 30px;
  opacity: 0;
  -webkit-animation: slideUp 0.8s var(--ease-smooth) 0.4s forwards;
          animation: slideUp 0.8s var(--ease-smooth) 0.4s forwards;
}
.insurance-hero__badge i {
  font-size: 1.1rem;
}

.insurance-hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 5vw, 3.5rem);
  font-weight: 400;
  line-height: 1.15;
  color: var(--ins-white);
  margin: 0 0 var(--space-sm);
  opacity: 0;
  -webkit-animation: slideUp 0.8s var(--ease-smooth) 0.5s forwards;
          animation: slideUp 0.8s var(--ease-smooth) 0.5s forwards;
}
.insurance-hero__title em {
  font-style: italic;
  color: var(--ins-gold-light);
}

.insurance-hero__subtitle {
  font-family: var(--font-body);
  font-size: 1.35rem;
  color: rgba(255, 255, 255, 0.9);
  margin: 0 0 var(--space-md);
  line-height: 1.6;
  opacity: 0;
  -webkit-animation: slideUp 0.8s var(--ease-smooth) 0.6s forwards;
          animation: slideUp 0.8s var(--ease-smooth) 0.6s forwards;
}

.insurance-hero__cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ins-gold-light);
  text-decoration: none;
  padding: 12px 24px;
  border: 1px solid var(--ins-gold);
  border-radius: 30px;
  transition: all 0.3s var(--ease-smooth);
  opacity: 0;
  -webkit-animation: slideUp 0.8s var(--ease-smooth) 0.7s forwards;
          animation: slideUp 0.8s var(--ease-smooth) 0.7s forwards;
}
.insurance-hero__cta:hover {
  background: var(--ins-gold);
  color: var(--ins-navy);
}
.insurance-hero__cta i {
  transition: transform 0.3s var(--ease-smooth);
}
.insurance-hero__cta:hover i {
  transform: translateY(3px);
}

@-webkit-keyframes slideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes slideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
.insurance-trust {
  background: var(--ins-navy);
  padding: 24px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.insurance-trust__container {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 24px 48px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

.insurance-trust__item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-body);
  font-size: 1.1rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
}
.insurance-trust__item i {
  color: var(--ins-gold);
  font-size: 1.35rem;
}

.insurance-coverage {
  background: var(--ins-cream);
  padding: var(--space-xl) 0 var(--space-2xl);
}

.insurance-coverage__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

.insurance-coverage__header {
  text-align: center;
  max-width: 800px;
  margin: 0 auto var(--space-xl);
}

.insurance-coverage__title {
  font-family: var(--font-display);
  font-size: 2.25rem;
  font-weight: 500;
  color: var(--ins-navy);
  margin: 0 0 var(--space-md);
}

.insurance-coverage__intro {
  font-family: var(--font-body);
  font-size: 1.25rem;
  line-height: 1.8;
  color: var(--ins-slate);
  margin: 0;
}

.insurance-coverage__grid {
  display: grid;
  grid-template-columns: repeat(1, 1fr);
  gap: var(--space-md);
}
@media (min-width: 768px) {
  .insurance-coverage__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 992px) {
  .insurance-coverage__grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.insurance-card {
  background: var(--ins-white);
  border-radius: 16px;
  padding: var(--space-lg);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: transform 0.3s var(--ease-smooth), box-shadow 0.3s var(--ease-smooth);
  border-top: 4px solid var(--ins-gold);
}
.insurance-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.1);
}

.insurance-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--ins-cream);
  border-radius: 50%;
  margin-bottom: var(--space-sm);
}
.insurance-card__icon i {
  font-size: 1.25rem;
  color: var(--ins-navy);
}

.insurance-card__title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--ins-navy);
  margin: 0 0 var(--space-sm);
}

.insurance-card__description {
  font-family: var(--font-body);
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--ins-slate);
  margin: 0 0 var(--space-md);
}

.insurance-card__features {
  list-style: none;
  padding: 0;
  margin: 0;
  border-top: 1px solid rgba(0, 0, 0, 0.08);
  padding-top: var(--space-sm);
}
.insurance-card__features li {
  font-family: var(--font-body);
  font-size: 1.05rem;
  color: var(--ins-charcoal);
  padding: 8px 0;
  padding-left: 24px;
  position: relative;
}
.insurance-card__features li::before {
  content: "\f00c";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.8rem;
  color: var(--ins-teal);
}

.insurance-benefits {
  background: var(--ins-white);
  padding: var(--space-xl) 0;
}

.insurance-benefits__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-md);
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-xl);
  align-items: center;
}
@media (min-width: 992px) {
  .insurance-benefits__container {
    grid-template-columns: 1fr 1fr;
  }
}

.insurance-benefits__content {
  order: 2;
}
@media (min-width: 992px) {
  .insurance-benefits__content {
    order: 1;
  }
}

.insurance-benefits__title {
  font-family: var(--font-display);
  font-size: 2.25rem;
  font-weight: 500;
  color: var(--ins-navy);
  margin: 0 0 var(--space-sm);
}

.insurance-benefits__intro {
  font-family: var(--font-body);
  font-size: 1.2rem;
  line-height: 1.7;
  color: var(--ins-slate);
  margin: 0 0 var(--space-lg);
}

.insurance-benefits__list {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.insurance-benefit {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
}

.insurance-benefit__icon {
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(13, 148, 136, 0.1);
  border-radius: 50%;
  flex-shrink: 0;
}
.insurance-benefit__icon i {
  font-size: 0.875rem;
  color: var(--ins-teal);
}

.insurance-benefit__text h4 {
  font-family: var(--font-body);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--ins-navy);
  margin: 0 0 4px;
}
.insurance-benefit__text p {
  font-family: var(--font-body);
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--ins-slate);
  margin: 0;
}

.insurance-benefits__image {
  order: 1;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.15);
}
@media (min-width: 992px) {
  .insurance-benefits__image {
    order: 2;
  }
}
.insurance-benefits__image img {
  width: 100%;
  height: auto;
  display: block;
}

.insurance-pricing {
  background: var(--ins-cream);
  padding: var(--space-xl) 0;
}

.insurance-pricing__container {
  max-width: 1000px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

.insurance-pricing__header {
  text-align: center;
  margin-bottom: var(--space-xl);
}
.insurance-pricing__header h2 {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 500;
  color: var(--ins-navy);
  margin: 0 0 var(--space-sm);
}
.insurance-pricing__header p {
  font-family: var(--font-body);
  font-size: 1.1rem;
  color: var(--ins-slate);
  margin: 0;
}

.insurance-pricing__title {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 500;
  color: var(--ins-navy);
  margin: 0 0 var(--space-sm);
}

.insurance-pricing__intro {
  font-family: var(--font-body);
  font-size: 1.1rem;
  color: var(--ins-slate);
  margin: 0;
}

.insurance-pricing__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-md);
}
@media (min-width: 768px) {
  .insurance-pricing__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.insurance-plan {
  background: var(--ins-white);
  border-radius: 16px;
  padding: var(--space-lg);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  position: relative;
  overflow: hidden;
}
.insurance-plan--featured {
  border: 2px solid var(--ins-gold);
}

.insurance-plan__badge {
  position: absolute;
  top: 28px;
  right: -42px;
  background: var(--ins-gold);
  color: var(--ins-navy);
  font-family: var(--font-body);
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 6px 50px;
  transform: rotate(45deg);
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.15);
  text-align: center;
}

.insurance-plan__header {
  text-align: center;
  padding-bottom: var(--space-md);
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
  margin-bottom: var(--space-md);
}

.insurance-plan__name {
  font-family: var(--font-display);
  font-size: 1.65rem;
  font-weight: 500;
  color: var(--ins-navy);
  margin: 0 0 var(--space-sm);
}

.insurance-plan__price {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 4px;
}

.insurance-plan__rate {
  font-family: var(--font-body);
  font-size: 3rem;
  font-weight: 700;
  color: var(--ins-teal);
  line-height: 1;
}

.insurance-plan__unit {
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ins-slate);
}

.insurance-plan__body {
  text-align: center;
}

.insurance-plan__description {
  font-family: var(--font-body);
  font-size: 1.1rem;
  color: var(--ins-slate);
  margin: 0 0 var(--space-md);
}

.insurance-plan__features {
  list-style: none;
  padding: 0;
  margin: 0 0 var(--space-md);
  text-align: left;
}
.insurance-plan__features li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  font-family: var(--font-body);
  font-size: 1.05rem;
  color: var(--ins-charcoal);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}
.insurance-plan__features li:last-child {
  border-bottom: none;
}
.insurance-plan__features li i {
  color: var(--ins-teal);
  font-size: 1rem;
}
.insurance-plan__features li i.fa-star {
  color: var(--ins-gold);
}
.insurance-plan__features li strong {
  font-weight: 600;
}

.insurance-plan__note {
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--ins-slate);
  font-style: italic;
  margin: 0;
}

.insurance-pricing__example {
  background: var(--ins-white);
  border-radius: 12px;
  padding: var(--space-md);
  margin-top: var(--space-lg);
  text-align: center;
}
.insurance-pricing__example h4 {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ins-navy);
  margin: 0 0 var(--space-xs);
}
.insurance-pricing__example > p {
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ins-slate);
  margin: 0 0 var(--space-sm);
}

.insurance-pricing__calc {
  display: flex;
  justify-content: center;
  gap: var(--space-xl);
  flex-wrap: wrap;
}

.insurance-pricing__calc-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.insurance-pricing__calc-label {
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: var(--ins-slate);
}

.insurance-pricing__calc-value {
  font-family: var(--font-body);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--ins-teal);
}

.insurance-cta {
  background: linear-gradient(135deg, var(--ins-navy) 0%, var(--ins-navy-light) 100%);
  padding: var(--space-xl) 0;
  position: relative;
  overflow: hidden;
}
.insurance-cta::before {
  content: "";
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 162, 39, 0.15) 0%, transparent 70%);
  pointer-events: none;
}

.insurance-cta__container {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 var(--space-md);
  position: relative;
  z-index: 1;
}

.insurance-cta__content {
  text-align: center;
}

.insurance-cta__title {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  font-weight: 500;
  color: var(--ins-white);
  margin: 0 0 var(--space-sm);
}

.insurance-cta__text {
  font-family: var(--font-body);
  font-size: 1.25rem;
  color: rgba(255, 255, 255, 0.9);
  margin: 0 0 var(--space-lg);
  line-height: 1.7;
}

.insurance-cta__button {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 18px 40px;
  font-family: var(--font-body);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--ins-navy);
  background: var(--ins-gold);
  border: none;
  border-radius: 8px;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.3s var(--ease-smooth);
}
.insurance-cta__button:hover {
  background: var(--ins-gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201, 162, 39, 0.4);
  color: var(--ins-navy);
}
.insurance-cta__button i {
  font-size: 0.9rem;
}

.insurance-cta__disclaimer {
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
  margin: var(--space-md) 0 0;
}

.insurance-faq {
  background: var(--ins-cream);
  padding: var(--space-xl) 0 var(--space-2xl);
}

.insurance-faq__container {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 var(--space-md);
}

.insurance-faq__title {
  font-family: var(--font-display);
  font-size: 2.25rem;
  font-weight: 500;
  color: var(--ins-navy);
  text-align: center;
  margin: 0 0 var(--space-lg);
}

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

.insurance-faq__item {
  background: var(--ins-white);
  border-radius: 12px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.05);
  overflow: hidden;
  border: 1px solid rgba(0, 0, 0, 0.04);
  transition: box-shadow 0.2s var(--ease-smooth);
}
.insurance-faq__item:hover {
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
}

.insurance-faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  font-family: var(--font-body);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--ins-navy);
  background: transparent;
  border: none;
  outline: none;
  cursor: pointer;
  text-align: left;
  transition: color 0.2s var(--ease-smooth);
}
.insurance-faq__question:hover {
  color: var(--ins-teal);
}
.insurance-faq__question:focus {
  outline: none;
}
.insurance-faq__question:focus-visible {
  outline: 2px solid var(--ins-gold);
  outline-offset: -2px;
  border-radius: 12px;
}
.insurance-faq__question span {
  flex: 1;
  padding-right: var(--space-md);
}
.insurance-faq__question i {
  font-size: 0.9rem;
  color: var(--ins-gold);
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--ins-cream);
  border-radius: 50%;
  transition: transform 0.3s var(--ease-smooth), background 0.2s var(--ease-smooth);
  flex-shrink: 0;
}
.insurance-faq__question:hover i {
  background: var(--ins-gold);
  color: var(--ins-white);
}
.insurance-faq__question[aria-expanded=true] i {
  transform: rotate(180deg);
  background: var(--ins-navy);
  color: var(--ins-white);
}

.insurance-faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s var(--ease-smooth);
}
.insurance-faq__answer p {
  padding: 0 24px 24px;
  padding-top: 0;
  font-family: var(--font-body);
  font-size: 1.1rem;
  line-height: 1.8;
  color: var(--ins-slate);
  margin: 0;
  border-top: 1px solid rgba(0, 0, 0, 0.06);
  padding-top: 16px;
  margin-left: 24px;
  margin-right: 24px;
  padding-left: 0;
  padding-right: 0;
}

@media (max-width: 767px) {
  .insurance-hero {
    height: 55vh;
    min-height: 450px;
  }
  .insurance-hero__content {
    margin-top: 40px;
  }
  .insurance-trust__container {
    flex-direction: column;
    align-items: center;
    gap: var(--space-sm);
  }
  .insurance-coverage,
.insurance-pricing,
.insurance-faq {
    padding: var(--space-lg) 0;
  }
  .insurance-benefits {
    padding: var(--space-lg) 0;
  }
  .insurance-cta {
    padding: var(--space-lg) 0;
  }
  .insurance-cta__button {
    width: 100%;
    justify-content: center;
  }
}
@media (prefers-reduced-motion: reduce) {
  .insurance-hero__image,
.insurance-hero__badge,
.insurance-hero__title,
.insurance-hero__subtitle,
.insurance-hero__cta {
    -webkit-animation: none;
            animation: none;
    opacity: 1;
  }
  .insurance-card,
.insurance-cta__button {
    transition: none;
  }
}
.insurance-cta__button:focus-visible,
.insurance-faq__question:focus-visible {
  outline: 3px solid var(--ins-gold);
  outline-offset: 2px;
}