:root{--ap-blue:#023866;--ap-orange:#f28c28;--ap-ink:#102a43;--ap-soft:#f4f8fb;--ap-border:#cddbe6}
.insurance-hero{background:linear-gradient(135deg,#023866 0%,#07558c 72%,#0b6fa7 100%);color:#fff;padding:64px 20px 48px}
.insurance-shell{width:min(1160px,calc(100% - 40px));margin:0 auto}
.insurance-hero .eyebrow{color:#ffd6ae;font-size:.84rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.insurance-hero h1{font-size:clamp(2rem,5vw,3.5rem);line-height:1.08;margin:.5rem 0 1rem;max-width:900px}
.insurance-hero p{font-size:1.16rem;line-height:1.65;max-width:820px;margin:0}
.insurance-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:-24px;position:relative}
.insurance-step,.insurance-card,.polischecker-panel,.insurance-note{background:#fff;border:1px solid var(--ap-border);border-radius:18px;box-shadow:0 12px 32px rgba(2,56,102,.08)}
.insurance-step{padding:24px}.insurance-step strong{display:block;color:var(--ap-blue);font-size:1.05rem;margin-bottom:8px}.insurance-step span{line-height:1.55;color:#425b70}
.insurance-section{padding:54px 0}.insurance-section--soft{background:var(--ap-soft)}
.insurance-section h2{color:var(--ap-blue);font-size:clamp(1.65rem,3vw,2.35rem);margin:0 0 12px}.insurance-intro{max-width:820px;color:#425b70;line-height:1.7;margin:0 0 28px}
.insurance-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.insurance-card{padding:24px;display:grid;grid-template-columns:150px 1fr;gap:22px;align-items:start}
.insurance-logo{height:84px;border:1px solid #e1e9ef;border-radius:12px;background:#fff;display:flex;align-items:center;justify-content:center;padding:14px}
.insurance-logo img{width:100%;height:100%;object-fit:contain}.insurance-card h3{margin:0 0 6px;color:var(--ap-blue);font-size:1.25rem}.insurance-card p{margin:0 0 12px;color:#425b70;line-height:1.55}.insurance-card small{display:block;color:#64798a;margin-bottom:14px}
.insurance-actions{display:flex;gap:10px;flex-wrap:wrap}.insurance-button{display:inline-flex;align-items:center;justify-content:center;border-radius:9px;padding:11px 16px;text-decoration:none;font-weight:800;border:2px solid var(--ap-orange);background:var(--ap-orange);color:#13283a}.insurance-button:hover,.insurance-button:focus{background:#fff}.insurance-button--light{background:#fff;color:var(--ap-blue);border-color:#9bb4c7}.insurance-button--light:hover,.insurance-button--light:focus{border-color:var(--ap-blue)}
.polischecker-panel{padding:32px;border-top:5px solid var(--ap-orange);display:grid;grid-template-columns:1.25fr .75fr;gap:28px;align-items:center}.polischecker-badge{display:inline-block;background:#fff0df;color:#8a4700;border-radius:999px;padding:7px 12px;font-weight:800;font-size:.82rem}.polischecker-panel h2{margin-top:12px}.polischecker-preview{background:#eef5fa;border:1px dashed #8aa9bf;border-radius:15px;padding:22px}.polischecker-preview ol{margin:0;padding-left:20px;line-height:1.75}.polischecker-preview p{margin:12px 0 0;font-size:.9rem;color:#566d7e}
.insurance-note{padding:26px;line-height:1.65}.insurance-note h2{font-size:1.55rem}.insurance-note ul{padding-left:22px}.insurance-note li+li{margin-top:8px}
.insurance-disclaimer{font-size:.88rem;color:#667b8c;line-height:1.55;margin-top:24px}
@media(max-width:850px){.insurance-steps,.insurance-grid{grid-template-columns:1fr}.polischecker-panel{grid-template-columns:1fr}.insurance-card{grid-template-columns:120px 1fr}}
@media(max-width:560px){.insurance-shell{width:min(100% - 28px,1160px)}.insurance-hero{padding-top:44px}.insurance-card{grid-template-columns:1fr}.insurance-logo{width:150px}.insurance-actions .insurance-button{width:100%}}