.hero-insurance {
  background-image: url('/Static/images/insurance_hero.webp');
  background-size: cover;
  background-position: center;
  color: var(--text-on-green);
  text-align: center;
  padding: var(--spacing-lg) var(--spacing-sm);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}

.hero-insurance .hero-overlay {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(900px 500px at 10% 10%, rgba(255,255,255,.18), transparent 60%),
    radial-gradient(700px 450px at 90% 30%, rgba(255,210,0,.14), transparent 55%),
    linear-gradient(180deg, rgba(0,0,0,.12), rgba(0,0,0,.35));
  pointer-events: none;
  z-index: 0;
}

.hero-insurance .hero-inner { position: relative; z-index: 1; }
.hero-insurance .hero-content { max-width: 860px; margin: 0 auto; }

.hero-insurance .hero-content h1 {
  font-size: 2.6em;
  margin-bottom: 14px;
  font-weight: 800;
}

.hero-insurance .hero-content p {
  font-size: 1.15em;
  margin-bottom: 22px;
  line-height: 1.7;
  opacity: .95;
}

.hero-insurance .hero-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 18px;
}

.hero-insurance .btn { text-decoration: none; }

.hero-insurance .hero-highlights {
  margin-top: 26px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  text-align: left;
}

.hero-insurance .highlight {
  padding: 14px 14px;
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.16);
  box-shadow: 0 10px 24px rgba(0,0,0,.10);
}

.hero-insurance .highlight-title {
  font-weight: 900;
  margin-bottom: 4px;
}

.hero-insurance .highlight-text {
  font-size: .95em;
  opacity: .92;
  line-height: 1.5;
}

.insurance-page .section {
  padding: var(--spacing-lg) 0;
}

.insurance-page .section-head {
  text-align: center;
  max-width: 820px;
  margin: 0 auto var(--spacing-sm);
}

.insurance-page .section-head h2 {
  margin-bottom: 10px;
  color: var(--green-primary);
  font-weight: 800;
}

.insurance-page .muted {
  color: var(--text-secondary);
  line-height: 1.7;
}

.insurance-page .lead {
  font-size: 1.1em;
  line-height: 1.75;
  color: var(--text-primary);
}

.insurance-page .intro-grid {
  display: grid;
  grid-template-columns: 1.4fr .9fr;
  gap: 18px;
  align-items: start;
}

.insurance-page .card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  padding: 22px;
}

.insurance-page .intro-stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.insurance-page .stat-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  padding: 18px;
}

.insurance-page .stat-value {
  font-size: 1.7em;
  font-weight: 900;
  line-height: 1.1;
  background: var(--gradient-main);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.insurance-page .stat-label {
  margin-top: 6px;
  color: var(--text-secondary);
}

.insurance-page .feature-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.insurance-page .feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  padding: 18px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}

.insurance-page .feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-strong);
}

.insurance-page .feature-card h3 {
  margin: 6px 0 8px;
  color: var(--green-primary);
  font-weight: 800;
}

.insurance-page .feature-icon {
  width: 46px;
  height: 46px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  background: linear-gradient(180deg, rgba(11,61,26,.10), rgba(11,61,26,.04));
  border: 1px solid rgba(11,61,26,.12);
}

.insurance-page .cards-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
  align-items: stretch; 
}

.insurance-page .info-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  padding: 18px;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  display: flex;
  flex-direction: column;
  height: 100%;
}

.insurance-page .info-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-strong);
}

.insurance-page .info-card h3 {
  margin-bottom: 8px;
  color: var(--green-primary);
  font-weight: 900;
}

.insurance-page .info-card .learn-more-btn {
  margin-top: auto;
}

.insurance-page .hidden-text {
  margin-top: 14px;
  padding: 14px;
  border-radius: var(--radius-xl);
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  line-height: 1.8;
}

.insurance-page .split {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 26px;
  align-items: center;
}

.insurance-page .split-text h2 {
  margin-bottom: 10px;
  color: var(--green-primary);
  font-weight: 900;
}

.insurance-page .split-media img {
  width: 100%;
  max-height: 420px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
}

.insurance-page .nice-list {
  margin: 0;
  padding-left: 18px;
}

.insurance-page .nice-list li {
  margin: 10px 0;
  line-height: 1.6;
}

.insurance-page .timeline {
  max-width: 900px;
  margin: 18px auto 0;
  position: relative;
  padding-left: 18px;
}

.insurance-page .timeline:before {
  content: "";
  position: absolute;
  left: 8px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: rgba(0,0,0,.08);
}

.insurance-page .t-item {
  position: relative;
  display: flex;
  gap: 14px;
  padding: 14px 0;
}

.insurance-page .t-dot {
  width: 14px;
  height: 14px;
  border-radius: 999px;
  background: var(--yellow);
  border: 3px solid var(--white);
  box-shadow: 0 6px 16px rgba(0,0,0,.12);
  margin-left: 1px;
  flex: 0 0 auto;
}

.insurance-page .t-content {
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  border-radius: var(--radius-xl);
  padding: 14px 16px;
  width: 100%;
}

.insurance-page .t-year { font-weight: 900; color: var(--text-primary); }
.insurance-page .t-title { margin-top: 2px; font-weight: 900; color: var(--green-primary); }
.insurance-page .t-text { margin-top: 6px; color: var(--text-secondary); line-height: 1.6; }

@media (min-width: 1024px) {
  .hero-insurance {
    min-height: 60vh;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0 var(--spacing-md);
  }
}

@media (max-width: 980px) {
  .hero-insurance .hero-highlights { grid-template-columns: 1fr; }
  .insurance-page .intro-grid { grid-template-columns: 1fr; }
  .insurance-page .split { grid-template-columns: 1fr; }

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

@media (max-width: 560px) {
  .insurance-page .feature-grid { grid-template-columns: 1fr; }
  .insurance-page .cards-grid { grid-template-columns: 1fr; }

  .hero-insurance .hero-content h1 { font-size: 2.1em; }
  .hero-insurance .hero-content p { font-size: 1.05em; }
}