@font-face {
  font-family: 'Hinge Icons';
  src: url('/fonts/hinge-icons.woff') format('woff'),
       url('/fonts/hinge-icons.ttf') format('truetype');
  font-weight: normal;
  font-style: normal;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1a2e5a;
  --teal: #00b5b8;
  --teal-dark: #008f91;
  --light-bg: #f5f7fa;
  --border: #e0e4ea;
  --text: #333;
  --text-muted: #666;
  --white: #fff;
}

body { font-family: 'Noto Sans', Arial, sans-serif; color: var(--text); font-size: 15px; line-height: 1.6; background: #fff; }

/* ── UTILITY BAR ── */
.utility-bar {
  background: #F6F6F6;
  color: rgb(0, 91, 148);
  font-size: 12px;
  padding: 6px 24px;
  display: flex;
  justify-content: flex-end;
  gap: 20px;
  align-items: center;
}
.utility-bar a { color: rgb(0, 91, 148); text-decoration: none; display: flex; align-items: center; gap: 4px; }
.utility-bar a:hover { text-decoration: underline; }

/* ── HEADER ── */
header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 12px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,.08);
}
.logo img { height: 60px; }
nav { display: flex; gap: 6px; align-items: center; }
nav a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 14px;
  padding: 8px 14px;
  border-radius: 4px;
  transition: background .2s;
  cursor: pointer;
}
nav a:hover, nav a.active { background: var(--light-bg); color: var(--teal-dark); }

/* ── HERO ── */
.hero {
  background: url('/images/homepage-hero.jpg') center center/cover no-repeat;
  min-height: 560px;
  display: flex;
  align-items: center;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(to right, rgba(26,46,90,.32) 45%, rgba(26,46,90,.05));
}
.hero-content {
  position: relative;
  color: #fff;
  padding: 60px 60px;
  max-width: 580px;
}
.hero-content h1 { font-size: 2.4rem; font-weight: 700; line-height: 1.2; margin-bottom: 12px; }
.hero-content p { font-size: 1.1rem; opacity: .9; margin-bottom: 28px; }

/* ── BUTTONS ── */
.btn {
  display: inline-block;
  padding: 12px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  text-decoration: none;
  border: none;
  transition: all .2s;
}
.btn-teal { background: var(--teal); color: #fff; }
.btn-teal:hover { background: var(--teal-dark); }
.btn-outline { background: transparent; border: 2px solid var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { opacity: .88; }

/* ── SECTION ── */
.section { padding: 60px 60px; }
.section-light { background: var(--light-bg); }
.section-navy { background: var(--navy); color: #fff; }
.section-title { font-size: 2.1rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.section-subtitle { font-size: 1rem; color: var(--text-muted); margin-bottom: 36px; max-width: 700px; }
.section-navy .section-title { color: #fff; }
.section-navy .section-subtitle { color: rgba(255,255,255,.75); }
.center { text-align: center; margin-left: auto; margin-right: auto; }

/* ── ZURICH BANNER ── */
.zurich-banner {
  display: grid;
  grid-template-columns: 300px 1fr;
  min-height: 340px;
  position: relative;
  width: 100%;
  gap: 0;
  background: #003D6E;
}
.zurich-banner-left {
  background: #9CC7E6;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  overflow: visible;
}
.zurich-banner-left img {
  position: absolute;
  right: -90px;
  width: 260px;
  height: auto;
  z-index: 2;
  border-radius: 4px;
}
.zurich-banner-right {
  background: #003D6E;
  padding: 48px 52px 48px 180px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.zurich-banner-right h2 { font-size: 1.55rem; color: #fff; margin-bottom: 14px; font-weight: 700; }
.zurich-banner-right hr { border: none; border-top: 2px solid #c8a84b; margin-bottom: 20px; }
.zurich-banner-right p { color: rgba(255,255,255,.85); font-size: 0.93rem; line-height: 1.75; margin-bottom: 12px; }
.zurich-banner-right a { color: #fff; text-decoration: underline; }

@media (max-width: 768px) {
  .zurich-banner {
    display: flex;
    flex-direction: column;
  }
  .zurich-banner-left {
    background: #003D6E;
    justify-content: center;
    align-items: center;
    padding: 32px 40px 0;
    height: auto;
    overflow: hidden;
  }
  .zurich-banner-left img {
    position: static;
    width: 100%;
    max-width: 320px;
    right: auto;
    border-radius: 6px;
    display: block;
    margin: 0 auto;
  }
  .zurich-banner-right {
    background: #003D6E;
    padding: 8px 24px 36px;
  }
}

/* ── PLAN CARDS (homepage) ── */
.plan-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; margin-top: 20px; }
.plan-card {
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 16px rgba(0,0,0,.08);
  border: 1px solid #9CC7E6;
  transition: border-color .2s, transform .2s;
  text-decoration: none;
  color: inherit;
}
.plan-card:hover { border-color: var(--teal); transform: translateY(-4px); }
.plan-card img { width: 100%; height: 130px; object-fit: cover; }
.plan-card-body { padding: 20px 24px 24px; text-align: center; }
.plan-card-body h3 { font-size: 1.611rem; color: #2167AE; margin-bottom: 6px; font-weight: 600; }
.plan-card-body p { font-size: 0.778rem; color: #1c252e; margin-bottom: 14px; }
.plan-card-body ul { list-style: none; font-size: 1rem; color: #1c252e; display: table; margin: 0 auto; }
.plan-card-body ul li { padding: 5px 0; padding-left: 22px; position: relative; font-weight: 600; text-align: left; }
.plan-card-body ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 6px;
  width: 16px;
  height: 16px;
  background: url('/images/icons/Tick2.svg') center/contain no-repeat;
}

/* ── WHY TRUST SECTION ── */
.why-trust-section {
  display: flex;
  flex-direction: row;
  gap: 30px;
  align-items: center;
  justify-content: center;
  background: #e4edf8;
  padding: 60px 30px;
}
.why-trust-img {
  flex: 0 1 calc(25% - 22.5px);
  min-width: 200px;
}
.why-trust-img img { width: 100%; height: auto; display: block; }
.why-trust-content { flex: 0 1 calc(50% - 15px); min-width: 0; }
.why-trust-content .section-title { font-size: 1.7rem; margin-bottom: 16px; }
.why-trust-desc { font-size: 0.93rem; color: var(--text-muted); line-height: 1.75; margin-bottom: 20px; }
.why-trust-subtitle { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
.why-trust-list { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.why-trust-list li { display: flex; gap: 16px; align-items: flex-start; font-size: 0.93rem; color: var(--text); line-height: 1.6; }
.why-trust-list li img { width: 36px; height: 36px; flex-shrink: 0; margin-top: 2px; }

@media (max-width: 768px) {
  .why-trust-section { flex-direction: column; padding: 36px 20px; gap: 20px; }
  .why-trust-img { width: 200px; align-self: center; }
  .why-trust-content { max-width: 100%; }
}

/* ── FAQ ACCORDION ── */
.faq-list { max-width: 930px; margin: 0 auto; }
.faq-item { border-top: 1px solid #f1f6fb; }
.faq-item:last-child { border-bottom: 1px solid #f1f6fb; }
.faq-question {
  width: 100%; text-align: left; background: none; border: none;
  padding: 30px 60px 30px 0; font-size: 1.333rem; font-weight: 600; color: #2167AE;
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  font-family: inherit; line-height: 1.4; position: relative;
}
.faq-question:hover { color: var(--navy); }
.faq-question .faq-icon {
  position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  width: 20px; height: 20px; flex-shrink: 0; color: #2167AE; transition: transform .3s;
}
.faq-item.open .faq-question .faq-icon { transform: translateY(-50%) rotate(180deg); }
.faq-answer { display: none; padding: 0 0 24px; font-size: 0.95rem; color: var(--text-muted); line-height: 1.7; }
.faq-item.open .faq-answer { display: block; }
.faq-group-title { font-size: 2.1rem; color: #003D6E; font-weight: 600; margin: 48px 0 8px; }
.faq-page-hero { background: #fff; text-align: center; padding: 56px 30px 32px; }
.faq-page-hero h1 { font-size: 2.4rem; color: #003D6E; font-weight: 700; margin-bottom: 16px; max-width: 860px; margin-left: auto; margin-right: auto; }
.faq-page-hero p { color: var(--text-muted); font-size: 1rem; margin-bottom: 28px; }
.faq-page-nav { font-size: 0.88rem; }
.faq-page-nav strong { display: block; font-weight: 700; color: var(--navy); letter-spacing: 0.05em; margin-bottom: 6px; }
.faq-page-nav a { color: #2167AE; text-decoration: underline; }
.faq-content-section { background: #f1f6fc; padding: 0 30px 60px; }
.faq-content-inner { max-width: 930px; margin: 0 auto; }

/* ── PLANE DIVIDER ── */
.plane-divider {
  display: flex;
  align-items: center;
  width: 88%;
  margin: 0;
  position: relative;
  margin-top: -27px;
}
.plane-divider-line {
  flex: 1;
  height: 11.5px;
  background: #64C5B9;
}
.plane-divider-img {
  width: 80px;
  height: auto;
  margin-left: -4px;
  filter: none;
}

/* ── PLANS PAGE ── */
.plans-hero {
  background: url('/images/tgplans_featured.jpg') center/cover no-repeat;
  min-height: 280px; display: flex; align-items: center; justify-content: center;
  text-align: center; position: relative;
}
.plans-hero::before { content:''; position:absolute; inset:0; background:rgba(0,40,90,0.55); }
.plans-hero-content { position: relative; z-index: 1; color: #fff; padding: 0 40px; }
.plans-hero-content h1 { font-size: 2.4rem; font-weight: 700; margin-bottom: 0; }
.plans-intro { text-align: center; padding: 52px 40px 36px; background: #fff; }
.plans-intro h2 { font-size: 1.75rem; color: var(--navy); font-weight: 700; margin-bottom: 14px; }
.plans-intro p { color: var(--text-muted); max-width: 780px; margin: 0 auto; font-size: 0.97rem; line-height: 1.7; }

.plan-detail-wrap.bg-grey { background: #f5f7fa; }
.plan-detail { display: grid; grid-template-columns: 300px 1fr; gap: 60px; align-items: start; padding: 60px; max-width: 1220px; margin-left: auto; margin-right: auto; }
.plan-detail-left { text-align: center; }
.plan-detail-left img { width: 260px; height: auto; object-fit: cover; display: block; margin: 0 auto 20px; border-radius: 8px; }
.plan-detail-left.plan-img-circle img { height: 260px; border-radius: 50%; }
.plan-detail-left h2 { font-size:2.111rem; color: #003D6E; font-weight: 600; margin-bottom: 6px; }
.plan-detail-left h3 { font-size: 1.333rem; color: #003D6E; font-weight: 400; margin-bottom: 14px; }
.plan-detail-left p { font-size: 1rem; color: var(--text-muted); line-height: 1.65; }
.plan-detail-right h3.plan-why { font-size: 1.611rem; line-height: 1.65;color:#003D6E; font-weight: 700; margin-bottom: 4px; }
.plan-detail-right p.plan-benefits-label { font-size: 1.167rem; color: #003D6E; font-weight: 700; margin-bottom: 20px; }
.plan-icon-list { display: flex; flex-direction: column; gap: 18px; }
.plan-icon-item { display: flex; align-items: flex-start; gap: 16px; }
.plan-icon-item img { width: 32px; height: 32px; flex-shrink: 0; margin-top: 2px; }
.plan-icon-item p { font-size: 1rem; color: #003D6E; line-height: 1.55; margin: 0; }

/* ── COMPARISON CARDS ── */
.compare-section { padding: 60px 40px; background: #fff; }
.compare-section-inner { max-width: 1100px; margin: 0 auto; }
.compare-section h2 { font-size: 1.75rem; color: var(--navy); text-align: center; font-weight: 700; margin-bottom: 8px; }
.compare-section .compare-sub { text-align: center; color: var(--text-muted); font-size: 0.95rem; margin-bottom: 28px; }
.compare-section .compare-desc { text-align: center; color: var(--text-muted); font-size: 0.9rem; max-width: 700px; margin: 0 auto 36px; line-height: 1.6; }
.compare-cards { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 28px; }
.compare-card { border: 1px solid #9CC7E6; border-radius: 4px; overflow: hidden; }
.compare-card-img img { width: 100%; height: 160px; object-fit: cover; display: block; }
.compare-card-body { padding: 20px; }
.compare-card-body h3 { font-size: 1.611rem; color: #2167AE; font-weight: 700; text-align: center; margin-bottom: 4px; }
.compare-card-body p.card-sub { font-size: 0.778rem; color: var(--text-muted); text-align: center; margin-bottom: 16px; }
.compare-card-checklist { list-style: none; margin-bottom: 0; }
.compare-card-checklist li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.88rem; padding: 6px 0; border-bottom: 1px solid #f1f6fb; line-height: 1.4; }
.compare-card-checklist li:last-child { border-bottom: none; }
.compare-card-checklist li img { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }
.compare-card-popular { background: #003D6E; color: #fff; font-size: 0.88rem; font-weight: 600; padding: 10px 20px; text-align: center; }
.compare-coverage-row { padding: 12px 20px; border-bottom: 1px solid #f1f6fb; text-align: center; }
.compare-coverage-row:last-child { border-bottom: none; }
.compare-coverage-row .cov-name { font-size: 0.88rem; color: #2167AE; font-weight: 700; margin-bottom: 3px; }
.compare-coverage-row .cov-val { font-size: 0.82rem; color: var(--text-muted); display: flex; align-items: center; justify-content: center; gap: 5px; }
.compare-coverage-row .cov-val.not-included { color: #c00; }
.tick { color: var(--teal); font-weight: 700; }
.cross { color: #c00; }
.compare-med-header { background: #003D6E; color: #fff; font-size: 0.88rem; font-weight: 600; padding: 10px 20px; text-align: center; }
.cat-row td { font-weight: 700; color: var(--navy); background: #eef2f8 !important; font-size: 0.88rem; text-transform: uppercase; letter-spacing: .5px; }

/* ── DOCUMENTS PAGE ── */
.docs-page-wrap { max-width: 860px; margin: 0 auto; padding: 60px 30px; }
.docs-page-wrap h1 { font-size: 1.9rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.docs-page-wrap .docs-subtitle { color: var(--text-muted); font-size: 0.95rem; margin-bottom: 48px; }
.docs-group { margin-bottom: 44px; }
.docs-group-title { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 20px; padding-bottom: 10px; border-bottom: 2px solid #eef4fb; }
.doc-item {
  display: flex; align-items: center; gap: 18px;
  padding: 14px 0; border-bottom: 1px solid #f1f6fb;
  cursor: pointer; text-decoration: none;
}
.doc-item:last-child { border-bottom: none; }
.doc-item:hover .doc-item-name { color: #2167AE; text-decoration: underline; }
.doc-item img, .doc-item svg { width: 36px; height: 36px; flex-shrink: 0; }
.doc-item-name { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
.doc-info p { color: var(--text-muted); font-size: 0.82rem; }
.doc-info .doc-size { color: var(--teal-dark); font-size: 0.8rem; font-weight: 600; }

/* ── CLAIMS PAGE ── */
.claims-page-wrap { max-width: 760px; margin: 0 auto; padding: 60px 30px; }
.claims-page-wrap h1 { font-size: 1.9rem; font-weight: 700; color: var(--navy); margin-bottom: 32px; }
.claims-step { display: flex; gap: 20px; margin-bottom: 36px; align-items: flex-start; }
.claims-step-num { flex-shrink: 0; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #fff; font-size: 1rem; font-weight: 700; display: flex; align-items: center; justify-content: center; margin-top: 2px; }
.claims-step-body { flex: 1; }
.claims-step-body > p { font-size: 0.95rem; color: var(--text); line-height: 1.65; margin-bottom: 12px; }
.claims-alpha-list { list-style: none; padding-left: 0; margin: 0 0 12px; counter-reset: alpha-counter; }
.claims-alpha-list li { font-size: 0.95rem; color: var(--text); line-height: 1.65; margin-bottom: 8px; padding-left: 28px; position: relative; }
.claims-alpha-list li::before { content: "(" counter(alpha-counter, lower-alpha) ")"; counter-increment: alpha-counter; position: absolute; left: 0; color: var(--navy); font-weight: 600; }
.claims-contact-box { background: #f0f6fc; border-left: 4px solid #2167AE; border-radius: 4px; padding: 16px 20px; margin: 12px 0 16px; }
.claims-contact-box p { font-size: 0.95rem; color: var(--text); line-height: 1.65; margin: 0 0 4px; }
.claims-contact-box a { color: #2167AE; }
.claims-docs-section { margin-top: 20px; }
.claims-docs-section h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin: 20px 0 8px; }
.claims-docs-section ul { list-style: disc; padding-left: 24px; margin: 0 0 4px; }
.claims-docs-section ul li { font-size: 0.93rem; color: var(--text); line-height: 1.6; margin-bottom: 5px; }
.claims-remark { font-size: 0.88rem; color: var(--text-muted); font-style: italic; margin: 4px 0 0; }
.claims-disclaimer { margin-top: 40px; padding: 16px 20px; background: #f8f8f8; border: 1px solid var(--border); border-radius: 6px; font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; }

/* ── CONTACT PAGE ── */
.contact-hero { display: flex; background: #003D6E; min-height: 240px; overflow: hidden; }
.contact-hero-img { flex-shrink: 0; width: 33%; background: url('/images/contact_featured.png') center/cover no-repeat; }
.contact-hero-img img { display: none; }
.contact-hero-text { padding: 48px 56px; display: flex; flex-direction: column; justify-content: center; }
.contact-hero-text .back-link { color: rgba(255,255,255,0.8); font-size: 0.9rem; text-decoration: none; margin-bottom: 16px; display: inline-block; }
.contact-hero-text .back-link:hover { color: #fff; }
.contact-hero-text h1 { color: #fff; font-size: 2.667rem; font-weight: 600; margin-bottom: 10px; }
.contact-hero-text p { color: rgba(255,255,255,0.85); font-size: 1rem; }
.contact-form-wrap { max-width: 900px; margin: 0 auto; padding: 60px 30px; }
.contact-form-wrap h2 { color: var(--navy); font-size: 1.7rem; font-weight: 700; margin-bottom: 12px; }
.contact-form-wrap .form-intro { color: var(--text-muted); font-size: 0.93rem; margin-bottom: 6px; }
.contact-form-wrap .form-intro a { color: #2167AE; }
.contact-form-wrap .required-note { font-size: 0.88rem; color: var(--text-muted); margin-bottom: 28px; }
.contact-form-wrap .required-note span { color: #c00; }
.cf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.cf-field { display: flex; flex-direction: column; }
.cf-field label { font-weight: 600; font-size: 0.9rem; color: var(--navy); margin-bottom: 6px; }
.cf-field label span { color: #c00; }
.cf-field input, .cf-field select, .cf-field textarea {
  width: 100%; padding: 10px 14px; border: 1px solid #ccc;
  font-size: 0.93rem; font-family: inherit; color: var(--text);
  background: #fff; box-sizing: border-box;
}
.cf-field input:focus, .cf-field select:focus, .cf-field textarea:focus { outline: none; border-color: #2167AE; }
.cf-field textarea { height: 130px; resize: vertical; }
.cf-divider { border: none; border-top: 1px solid #2167AE; margin: 8px 0 24px; }
.cf-full { margin-bottom: 20px; }
.cf-full label { display: block; font-weight: 600; font-size: 0.9rem; color: var(--navy); margin-bottom: 6px; }
.cf-full label span { color: #c00; }
.cf-full input, .cf-full select, .cf-full textarea {
  width: 100%; padding: 10px 14px; border: 1px solid #ccc;
  font-size: 0.93rem; font-family: inherit; color: var(--text); box-sizing: border-box;
}
.cf-full textarea { height: 130px; resize: vertical; }
.cf-consent { margin: 20px 0; font-size: 0.88rem; }
.cf-consent p { font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.cf-consent p span { color: #c00; }
.cf-consent label { display: flex; align-items: flex-start; gap: 10px; color: var(--text-muted); margin-bottom: 10px; line-height: 1.5; cursor: pointer; }
.cf-consent input[type=checkbox] { margin-top: 2px; flex-shrink: 0; }
.cf-consent a { color: #2167AE; }
.cf-submit { text-align: center; margin-top: 24px; }
.cf-submit button {
  background: #003D6E; color: #fff; border: none; padding: 14px 48px;
  font-size: 1rem; font-weight: 600; font-family: inherit; cursor: pointer;
  border-radius: 40px;
}
.cf-submit button:hover { background: #002d54; }
.cf-submit button:disabled { opacity: 0.6; cursor: not-allowed; }
.cf-alert { padding: 14px 18px; border-radius: 6px; margin-bottom: 20px; font-size: 0.95rem; line-height: 1.5; }
.cf-alert.success { background: #e6f4ea; border: 1px solid #34a853; color: #1e7e34; }
.cf-alert.error { background: #fdecea; border: 1px solid #d93025; color: #c5221f; }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.contact-support { background: #f6f6f6; padding: 60px 30px; }
.contact-support-inner { max-width: 900px; margin: 0 auto; }
.contact-support-inner h2 { font-size: 1.9rem; color: var(--navy); font-weight: 700; margin-bottom: 32px; }
.contact-support-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px 60px; }
.contact-support-item { display: flex; align-items: flex-start; gap: 18px; }
.contact-support-item img { width: 40px; height: 40px; flex-shrink: 0; margin-top: 2px; }
.contact-support-item h3 { font-size: 1.05rem; color: var(--navy); font-weight: 700; margin-bottom: 8px; }
.contact-support-item a { color: #2167AE; text-decoration: none; display: block; font-size: 0.92rem; }
.contact-support-item a:hover { text-decoration: underline; }
.contact-support-item p { font-size: 0.92rem; color: var(--text-muted); line-height: 1.6; margin-top: 4px; }

/* ── HELP CENTRE ── */
.help-hero {
  background: url('/images/help-center_hero.jpg') center/cover no-repeat;
  min-height: 200px; display: flex; align-items: center; justify-content: center;
  text-align: center; position: relative;
}
.help-hero::before { content:''; position:absolute; inset:0; background:rgba(10,40,80,0.55); }
.help-hero-content { position:relative; z-index:1; color:#fff; padding: 60px 30px; }
.help-hero-content h1 { color:#fff; font-size: 2.5rem; font-weight:700; margin-bottom:12px; }
.help-hero-content p { color:rgba(255,255,255,0.9); font-size:1.05rem; }
.help-in-this-section {
  background:#fff; text-align:center; padding: 18px 30px;
  font-size:0.85rem; border-bottom: 1px solid #e8e8e8;
}
.help-in-this-section strong { display:block; font-weight:700; color:#333; letter-spacing:0.05em; font-size:0.78rem; margin-bottom:6px; }
.help-in-this-section a { color: #2167AE; text-decoration:none; }
.help-in-this-section a:hover { text-decoration:underline; }
.help-in-this-section span { color:#999; margin: 0 6px; }
.help-tools-section { background: #eef4fb; padding: 48px 30px; }
.help-tools-inner { max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: 1fr; gap: 24px; }
.help-tool-card {
  background:#fff; border-radius:4px; padding: 28px 32px;
  display: flex; align-items: flex-start; gap: 20px;
}
.help-tool-card img { width: 40px; height: 40px; flex-shrink:0; margin-top:2px; }
.help-tool-card h2 { color: #2167AE; font-size:1.15rem; font-weight:700; margin-bottom:10px; }
.help-tool-card ul { list-style: disc; padding-left: 20px; color: var(--text-muted); font-size:0.92rem; line-height:1.7; }
.help-tool-card p { color: var(--text-muted); font-size:0.92rem; line-height:1.6; }
.help-faq-section { background:#fff; padding: 60px 30px; }
.help-faq-section h2 { font-size:1.9rem; color:var(--navy); font-weight:700; margin-bottom:32px; }
.help-faq-inner { max-width:930px; margin:0 auto; }
.help-faq-preview { max-width: 760px; margin: 0 auto; }
.help-faq-item { border-bottom: 1px solid var(--border); padding: 14px 0; }
.help-faq-item a { color: var(--navy); text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.help-faq-item a:hover { color: var(--teal-dark); }
.help-support-section { background: #f6f6f6; padding: 60px 30px; }
.help-support-section h2 { font-size:1.9rem; color:var(--navy); font-weight:700; margin-bottom:32px; }
.help-support-inner { max-width:900px; margin:0 auto; display:grid; grid-template-columns: 1fr 1fr; gap: 40px 60px; align-items:start; }
.help-support-col { display:flex; flex-direction:column; gap:40px; }
.help-support-item { display:flex; align-items:flex-start; gap:18px; }
.help-support-item img { width:36px; height:36px; flex-shrink:0; margin-top:4px; }
.help-support-item h2 { font-size:1.05rem; color:var(--navy); font-weight:700; margin-bottom:10px; }
.help-support-item a { color:#2167AE; text-decoration:none; display:block; font-size:0.92rem; }
.help-support-item a:hover { text-decoration:underline; }
.help-support-item p { font-size:0.92rem; color:var(--text-muted); line-height:1.6; margin-top:6px; }

/* ── FOOTER ── */
footer {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  padding: 48px 60px 24px;
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand img { height: 55px; filter: brightness(0) invert(1); margin-bottom: 14px; }
.footer-brand p { font-size: 0.82rem; line-height: 1.7; }
.footer-col h5 { color: #fff; font-size: 0.9rem; margin-bottom: 14px; font-weight: 700; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,.65); text-decoration: none; font-size: 0.88rem; }
.footer-col ul li a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding-top: 20px; font-size: 0.78rem; color: rgba(255,255,255,.5); }
.footer-bottom a { color: rgba(255,255,255,.5); text-decoration: none; }
.footer-bottom a:hover { color: rgba(255,255,255,.8); }

/* ── ABOUT PAGE ── */
.about-hero {
  display: flex;
  background: #003D6E;
  min-height: 240px;
  overflow: hidden;
}
.about-hero-img { flex-shrink: 0; width: 33%; background: url('/images/about_us.png') center/cover no-repeat; }
.about-hero-text { padding: 48px 56px; display: flex; flex-direction: column; justify-content: center; color: #fff; }
.about-hero-text .back-link { color: rgba(255,255,255,0.8); font-size: 0.9rem; text-decoration: none; margin-bottom: 16px; display: inline-block; font-weight: 600; }
.about-hero-text .back-link:hover { color: #fff; }
.about-hero-text h1 { font-size: 2.2rem; font-weight: 700; margin-bottom: 16px; }
.about-hero-text p { font-size: 1.05rem; opacity: .85; max-width: 700px; }
.about-content-wrap { max-width: 900px; margin: 0 auto; padding: 60px 30px; }
.about-content-wrap h2 { font-size: 1.7rem; color: var(--navy); font-weight: 700; margin-bottom: 16px; }
.about-content-wrap p { color: var(--text-muted); font-size: 0.95rem; line-height: 1.8; margin-bottom: 12px; }
.about-stats { background: var(--light-bg); padding: 40px 30px; }
.about-stats-inner { max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.about-stat { text-align: center; }
.about-stat h3 { font-size: 2rem; color: var(--teal-dark); font-weight: 700; }
.about-stat p { font-size: 0.88rem; color: var(--text-muted); }
.about-mission-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 28px; }
.about-mission-item h3 { font-size: 1.05rem; color: var(--navy); font-weight: 700; margin-bottom: 8px; }
.about-mission-item p { font-size: 0.92rem; color: var(--text-muted); line-height: 1.65; }

/* ── LEGAL PAGES ── */
.legal-hero { background: #003d6e; color: #fff; padding: 56px 30px; }
.legal-hero-inner { max-width: 900px; margin: 0 auto; }
.legal-hero .back-link { color: rgba(255,255,255,0.8); font-size: 0.9rem; text-decoration: none; margin-bottom: 14px; display: inline-block; font-weight: 600; }
.legal-hero .back-link:hover { color: #fff; }
.legal-hero h1 { font-size: 2rem; font-weight: 700; margin-bottom: 8px; }
.legal-hero .updated { font-size: 0.85rem; opacity: 0.75; }
.legal-content { max-width: 900px; margin: 0 auto; padding: 48px 30px 64px; }
.legal-content h2 { font-size: 1.3rem; color: var(--navy); font-weight: 700; margin: 32px 0 12px; }
.legal-content h2:first-of-type { margin-top: 0; }
.legal-content h3 { font-size: 1.02rem; color: var(--navy); font-weight: 600; margin: 20px 0 8px; }
.legal-content p { color: var(--text-muted); font-size: 0.95rem; line-height: 1.75; margin-bottom: 12px; }
.legal-content ul, .legal-content ol { color: var(--text-muted); font-size: 0.95rem; line-height: 1.75; margin: 0 0 16px 22px; }
.legal-content li { margin-bottom: 6px; }
.legal-content a { color: #2167ae; text-decoration: underline; }
.legal-content a:hover { color: #003d6e; }
.legal-notice { background: #fff8e1; border-left: 4px solid #e0a800; padding: 14px 18px; margin-bottom: 28px; font-size: 0.88rem; color: #6b5400; border-radius: 4px; }
.legal-notice strong { color: #4a3a00; }

/* ── HAMBURGER ── */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all .3s;
}
.nav-open .hamburger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-open .hamburger span:nth-child(2) { opacity: 0; }
.nav-open .hamburger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── RESPONSIVE ── */
@media (max-width: 768px) {

  /* Utility bar */
  .utility-bar { font-size: 11px; padding: 6px 16px; gap: 12px; }

  /* Header */
  header {
    padding: 10px 16px;
    flex-wrap: wrap;
    position: sticky;
  }
  .logo img { height: 44px; }
  .hamburger { display: flex; }
  nav {
    display: none;
    flex-direction: column;
    width: 100%;
    padding: 8px 0 12px;
    border-top: 1px solid var(--border);
    margin-top: 8px;
    gap: 2px;
  }
  nav.open { display: flex; }
  nav a { font-size: 15px; padding: 10px 8px; }

  /* Sections */
  .section { padding: 36px 16px; }
  .section-title { font-size: 1.35rem; }
  .section-subtitle { font-size: 0.92rem; }

  /* Hero */
  .hero { min-height: 300px; }
  .hero-content { padding: 40px 20px; }
  .hero-content h1 { font-size: 1.7rem; }
  .hero-content p { font-size: 0.95rem; }

  /* Zurich banner */
  .zurich-banner { flex-direction: column; padding: 28px 16px; gap: 20px; }
  .zurich-banner img { width: 100%; max-width: 100%; border-radius: 8px; }

  /* Plan cards — single column */
  .plan-cards { grid-template-columns: 1fr; gap: 16px; }

  /* Trust grid — single column */
  .trust-grid { grid-template-columns: 1fr; gap: 20px; }

  /* FAQ */
  .faq-list { padding: 0; }
  .faq-question { font-size: 0.93rem; }

  /* Plans page */
  .plans-hero { padding: 40px 20px; }
  .plans-hero h1 { font-size: 1.6rem; }
  .plans-intro { padding: 32px 16px 12px; }

  .plan-detail {
    grid-template-columns: 1fr;
    padding: 32px 16px;
    gap: 20px;
  }
  .plan-detail-img { display: flex; justify-content: center; }
  .plan-detail-img img { max-width: 200px; }

  /* Compare table — scrollable */
  .compare-section { padding: 36px 16px; overflow-x: auto; }
  .compare-table { min-width: 560px; font-size: 0.82rem; }
  .compare-table th, .compare-table td { padding: 10px 12px; }

  /* Docs grid */
  .docs-page-wrap { padding: 40px 20px; }

  /* Claims */
  .claims-page-wrap { padding: 40px 20px; }

  /* Contact */
  .contact-hero { flex-direction: column; }
  .contact-hero-img { display: none; }
  .cf-row { grid-template-columns: 1fr; }
  .contact-support-grid { grid-template-columns: 1fr; gap: 28px; }

  /* Help */
  .help-support-inner { grid-template-columns: 1fr; gap: 24px; }
  .help-support-col { gap: 24px; }

  /* Footer */
  footer { padding: 36px 16px 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }

  /* About */
  .about-hero { flex-direction: column; }
  .about-hero-img { display: none; }
  .about-hero-text { padding: 48px 20px; }
  .about-hero-text h1 { font-size: 1.7rem; }
  .about-content-wrap { padding: 40px 20px; }
  .about-mission-grid { grid-template-columns: 1fr; gap: 20px; }
  .about-stats { padding: 28px 16px; }
  .about-stats-inner { grid-template-columns: 1fr 1fr; gap: 16px; }
}

@media (max-width: 480px) {
  .about-stats-inner { grid-template-columns: 1fr 1fr; }
  .hero-content h1 { font-size: 1.45rem; }
}