body.claims-page{margin:0;background:#f4f6f8;color:#0b1728}.claims-hero{position:relative;overflow:hidden;background:#061426;color:#fff}.claims-hero::after{content:"";position:absolute;right:-90px;top:-140px;width:500px;height:500px;border:90px solid rgba(237,61,77,.09);border-radius:50%}.claims-hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:52px;align-items:center;padding:70px 0 66px}.claims-breadcrumb{display:flex;align-items:center;gap:9px;margin-bottom:26px;color:#9bacc0;font-size:13px;font-weight:800}.claims-breadcrumb i{font-size:9px;color:#ed3d4d}.claims-label{display:inline-flex;align-items:center;gap:9px;margin-bottom:17px;color:#ff9ca5;font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.claims-hero h1{max-width:790px;margin:0 0 17px;font-size:clamp(44px,6vw,76px);line-height:.96;letter-spacing:-.065em}.claims-hero p{max-width:760px;margin:0;color:#b9c8d8;font-size:18px;line-height:1.65}.claims-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.claims-actions a{min-height:48px;display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:0 17px;border:1px solid rgba(255,255,255,.24);color:#fff;font-weight:900}.claims-actions a:first-child{border-color:#ed3d4d;background:#ed3d4d}.emergency-panel{padding:28px;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.055)}.emergency-panel .alert-icon{display:grid;place-items:center;width:56px;height:56px;margin-bottom:18px;background:#ed3d4d;color:#fff;font-size:22px}.emergency-panel small{display:block;margin-bottom:8px;color:#ff9ca5;font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.emergency-panel strong{display:block;margin-bottom:9px;font-size:25px}.emergency-panel p{font-size:14px}.emergency-panel b{display:block;margin-top:18px;color:#fff;font-size:13px}
.incident-steps{background:#fff;border-bottom:1px solid #dbe2ea}.incident-grid{display:grid;grid-template-columns:repeat(4,1fr)}.incident-step{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:25px 22px;border-right:1px solid #dbe2ea}.incident-step:last-child{border:0}.incident-step b{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#061426;color:#fff;font-size:12px}.incident-step strong,.incident-step span{display:block}.incident-step strong{margin-bottom:4px}.incident-step span{color:#6a788c;font-size:12px;line-height:1.45}
.claims-main{padding:48px 0 88px}.claims-block{margin-bottom:30px;background:#fff;border:1px solid #d6dfe8}.block-heading{display:grid;grid-template-columns:190px minmax(0,1fr);border-bottom:1px solid #dbe2ea}.block-kicker{padding:25px;background:#f8fafc;border-right:1px solid #dbe2ea;color:#c52a38;font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.block-title{padding:25px 31px}.block-title h2{margin:0 0 8px;color:#061426;font-size:clamp(28px,4vw,43px);line-height:1.04;letter-spacing:-.05em}.block-title p{max-width:780px;margin:0;color:#66758a;line-height:1.65}.block-body{padding:31px}.collect-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:#dbe2ea;border:1px solid #dbe2ea}.collect-item{display:grid;grid-template-columns:34px 1fr;gap:13px;padding:20px;background:#fff}.collect-item i{display:grid;place-items:center;width:34px;height:34px;background:#ffe8eb;color:#c52a38}.collect-item span{color:#536176;line-height:1.55}.document-row{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.document-item{padding:22px;background:#f7f9fb;border-top:3px solid #061426}.document-item i{margin-bottom:15px;color:#ed3d4d;font-size:21px}.document-item strong,.document-item span{display:block}.document-item strong{margin-bottom:7px}.document-item span{color:#657388;font-size:13px;line-height:1.55}.claim-timeline{display:grid;gap:0}.claim-stage{display:grid;grid-template-columns:64px minmax(0,1fr);position:relative}.claim-stage:not(:last-child)::before{content:"";position:absolute;left:31px;top:52px;bottom:-6px;width:2px;background:#dbe2ea}.claim-stage b{z-index:1;display:grid;place-items:center;width:64px;height:64px;border:8px solid #fff;border-radius:50%;background:#061426;color:#fff}.claim-stage div{padding:7px 0 28px 20px}.claim-stage strong{display:block;margin-bottom:6px;font-size:18px}.claim-stage p{margin:0;color:#657388;line-height:1.65}.cost-split{display:grid;grid-template-columns:1fr 1fr}.cost-panel{padding:30px}.cost-panel:first-child{background:#061426;color:#fff}.cost-panel:last-child{background:#fff1f2}.cost-panel i{margin-bottom:17px;color:#ed3d4d;font-size:23px}.cost-panel h3{margin:0 0 11px;font-size:26px}.cost-panel p{margin:0;color:#657388;line-height:1.7}.cost-panel:first-child p{color:#b7c6d7}.risk-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.risk-card{padding:22px;border:1px solid #dbe2ea}.risk-card i{display:grid;place-items:center;width:42px;height:42px;margin-bottom:15px;background:#061426;color:#fff}.risk-card h3{margin:0 0 8px}.risk-card p{margin:0;color:#66758a;font-size:14px;line-height:1.65}.claims-faq details{border-top:1px solid #dbe2ea}.claims-faq details:last-child{border-bottom:1px solid #dbe2ea}.claims-faq summary{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0;cursor:pointer;list-style:none;font-weight:900}.claims-faq summary::after{content:"+";color:#ed3d4d;font-size:22px}.claims-faq details[open] summary::after{content:"−"}.claims-faq p{margin:0 0 19px;color:#66758a;line-height:1.7}.claims-bottom{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:32px;background:#ed3d4d;color:#fff}.claims-bottom h2{margin:0 0 7px;font-size:30px}.claims-bottom p{margin:0;color:#ffe5e8}.claims-bottom a{min-height:47px;display:inline-flex;align-items:center;padding:0 18px;background:#061426;color:#fff;font-weight:900;white-space:nowrap}
@media(max-width:980px){.claims-hero-inner{grid-template-columns:1fr}.emergency-panel{max-width:620px}.incident-grid{grid-template-columns:repeat(2,1fr)}.incident-step:nth-child(2){border-right:0}.incident-step:nth-child(-n/**/+2){border-bottom:1px solid #dbe2ea}.document-row{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.claims-hero-inner{padding:50px 0}.claims-hero h1{font-size:44px}.claims-hero p{font-size:16px}.claims-actions{display:grid}.claims-actions a{width:100%}.incident-grid{grid-template-columns:1fr}.incident-step{border-right:0;border-bottom:1px solid #dbe2ea!important}.claims-main{width:100%;padding:27px 0 58px}.claims-block{border-right:0;border-left:0}.block-heading{grid-template-columns:1fr}.block-kicker{padding:22px 20px 0;background:#fff;border-right:0}.block-title{padding:10px 20px 22px}.block-body{padding:22px 20px}.collect-grid,.document-row,.cost-split,.risk-grid{grid-template-columns:1fr}.claims-bottom{align-items:flex-start;flex-direction:column}.claims-bottom a{width:100%;justify-content:center}}


/* COVERINSTANTLY — CLAIMS MOBILE LAYOUT */
@media(max-width:980px){
  .claims-hero-inner{grid-template-columns:minmax(0,1fr)!important;gap:27px!important}
  .emergency-panel{max-width:680px!important}
  .incident-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}
  .incident-step:nth-child(2){border-right:0!important}
  .incident-step:nth-child(-n/**/+2){border-bottom:1px solid #dbe2ea!important}
}
@media(max-width:680px){
  .claims-hero-inner{padding:38px 0 44px!important}
  .claims-hero h1{font-size:37px!important;line-height:1!important;letter-spacing:-.045em!important}
  .claims-hero p{font-size:15px!important;line-height:1.62!important}
  .claims-actions{display:grid!important;grid-template-columns:1fr!important}
  .claims-actions a{width:100%!important}
  .emergency-panel{padding:20px!important;border-radius:16px!important}
  .emergency-panel strong{font-size:22px!important}
  .incident-grid{grid-template-columns:1fr!important}
  .incident-step{grid-template-columns:38px minmax(0,1fr)!important;padding:17px 14px!important;border-right:0!important;border-bottom:1px solid #dbe2ea!important}
  .incident-step:last-child{border-bottom:0!important}
  .incident-step b{width:38px!important;height:38px!important}
  .claims-main{padding:28px 0 58px!important}
  .claims-block{margin-bottom:18px!important;border-radius:17px!important;overflow:hidden!important}
  .block-heading{grid-template-columns:1fr!important}
  .block-kicker{padding:16px 18px!important;border-right:0!important;border-bottom:1px solid #dbe2ea!important}
  .block-title{padding:20px 18px!important}
  .block-title h2{font-size:29px!important;line-height:1.08!important}
  .block-title p{font-size:14px!important}
  .block-body{padding:19px 18px!important}
  .collect-grid,.claim-route,.document-grid,.claim-timeline,.claims-split{grid-template-columns:1fr!important}
  .collect-item,.document-card,.claim-route>div{min-width:0!important;padding:16px!important}
  .claims-faq summary{padding:16px 14px!important;line-height:1.4!important}
  .claims-faq details p{padding:0 14px 16px!important}
  .claims-table-wrap,.comparison-table-wrap{width:100%!important;overflow-x:auto!important;-webkit-overflow-scrolling:touch!important}
}