/* ── Insurance page ── */

/* ── 1. Hero ── */
.ins-hero-wrap {
  position: relative;
  width: 100%;
  min-height: 460px;
  padding-top: 72px;
  overflow: hidden;
  background: var(--voy-bg-cream);
}
.ins-hero-canvas { position: absolute; inset: 0; width: 100%; height: 100%; pointer-events: none; }
.ins-hero-glow {
  position: absolute; top: -60px; right: -40px;
  width: 640px; height: 640px;
  background: radial-gradient(circle, rgba(224,37,37,0.14) 0%, transparent 65%);
  pointer-events: none;
}
.ins-hero-glow2 {
  position: absolute; bottom: 40px; left: -80px;
  width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(22,101,52,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.ins-hero-fade {
  position: absolute; bottom: 0; left: 0; right: 0; height: 90px;
  background: linear-gradient(to bottom, transparent, var(--voy-bg-cream));
  pointer-events: none;
}
.ins-hero-container {
  position: relative; z-index: 2;
  max-width: 1440px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.ins-hero-inner { padding: 56px 0 40px 96px; max-width: 640px; flex: 1 1 560px; }
.ins-hero-inner h1 {
  font-family: var(--voy-font-heading);
  font-weight: 800;
  font-size: clamp(34px, 3.8vw, 52px);
  line-height: 1.08;
  color: var(--voy-text-heading);
  margin: 18px 0 22px;
  letter-spacing: -0.025em;
}
.ins-hero-inner h1 em { font-style: normal; color: var(--voy-primary); }
.ins-hero-sub {
  font-family: var(--voy-font-body);
  font-size: 17.5px; font-weight: 400;
  color: var(--voy-text-body);
  line-height: 1.65; max-width: 560px;
  margin-bottom: 36px;
}
.ins-hero-buttons { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

/* hero right visual */
.ins-hero-visual {
  position: relative; z-index: 2;
  flex: 0 0 auto;
  width: 400px;
  max-width: 40%;
  padding-right: 96px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.ins-hero-panel {
  position: relative;
  width: 100%;
  max-width: 360px;
  background: rgba(255,255,255,.97);
  border: 1px solid var(--voy-border);
  border-radius: var(--voy-radius-xl);
  box-shadow: 0 0 40px -18px rgba(224,37,37,.22), 0 24px 54px -20px rgba(60,54,44,.2);
  padding: 22px 24px;
}
.ins-hero-float-chip {
  position: absolute; left: -22px; bottom: -20px; z-index: 3;
  display: flex; align-items: center; gap: 10px;
  background: #FFFFFF; border: 1px solid rgba(224,37,37,.28);
  border-radius: 14px; padding: 11px 16px;
  box-shadow: 0 16px 36px -16px rgba(26,26,23,.3);
}
.ins-hero-float-chip .fc-num { font-family: var(--voy-font-heading); font-weight: 800; font-size: 19px; color: var(--voy-primary); letter-spacing: -.01em; }
.ins-hero-float-chip .fc-lbl { font-size: 11px; color: var(--voy-text-muted); line-height: 1.3; max-width: 122px; }
.ins-hero-float-chip2 {
  position: absolute; right: -18px; top: -18px; z-index: 3;
  display: flex; align-items: center; gap: 6px;
  background: var(--voy-green-bg); border: 1px solid rgba(22,101,52,.28);
  border-radius: 999px; padding: 7px 13px;
  box-shadow: 0 12px 28px -14px rgba(26,26,23,.28);
  font-size: 11.5px; font-weight: 600; color: var(--voy-green);
}
.ins-hero-float-chip2 .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--voy-green); }
.ins-hero-ring {
  position: absolute; top: -46px; right: -36px;
  width: 130px; height: 130px; border-radius: 50%;
  border: 1px solid rgba(224,37,37,.18);
  pointer-events: none;
}

/* ── 2. Where insurance operations get hard ── */
.ins-areas-section { background: #FFFFFF; padding: 96px 96px; border-top: 1px solid rgba(0,0,0,0.06); }
.ins-areas-inner { max-width: 1360px; margin: 0 auto; }
.ins-areas-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.ins-areas-block {
  background: var(--voy-bg-panel-inner);
  border: 1px solid var(--voy-border-light);
  border-radius: var(--voy-radius-lg);
  padding: 26px 24px 28px;
  transition: border-color .25s ease, transform .25s cubic-bezier(.22,.8,.36,1), box-shadow .25s ease;
}
.ins-areas-block:hover { border-color: rgba(224,37,37,.35); transform: translateY(-3px); box-shadow: 0 14px 30px -16px rgba(26,26,23,.18); }
.ins-areas-icon {
  width: 46px; height: 46px; border-radius: 12px;
  background: rgba(224,37,37,.08);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.ins-areas-block h3 { font-family: var(--voy-font-heading); font-weight: 700; font-size: 16.5px; color: var(--voy-text-heading); margin: 0 0 10px; letter-spacing: -.01em; line-height: 1.3; }
.ins-areas-block p { font-size: 13px; color: #6A6A5A; line-height: 1.55; margin: 0 0 12px; }
.ins-areas-block p:last-of-type { margin-bottom: 16px; }
.ins-areas-relevant {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 12.5px; font-weight: 600; color: var(--voy-primary);
  text-decoration: none; border-bottom: 1px solid transparent; transition: border-color .2s;
}
.ins-areas-relevant:hover { border-color: var(--voy-primary); }

/* ── 3. Capabilities ── */
.ins-cap-section { background: #FFFFFF; padding: 96px 96px; border-top: 1px solid rgba(0,0,0,0.06); }
.ins-cap-inner { max-width: 1248px; margin: 0 auto; }
.ins-cap-header { max-width: 640px; margin-bottom: 48px; }
.ins-cap-header h2 {
  font-family: var(--voy-font-heading); font-weight: 800;
  font-size: clamp(28px, 3vw, 40px); letter-spacing: -.025em;
  line-height: 1.1; color: var(--voy-text-heading); margin: 14px 0 16px;
}
.ins-cap-header p { font-size: 16px; color: var(--voy-text-body); line-height: 1.65; }

/* bento layout */
.ins-cap-bento {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  grid-template-areas:
    "feature mid1 mid2"
    "feature b1   b2"
    "banner  banner banner";
  gap: 16px;
}
.ins-bento-tile {
  background: var(--voy-bg-panel-inner);
  border: 1px solid var(--voy-border-light);
  border-radius: var(--voy-radius-lg);
  padding: 24px 24px 26px;
  display: flex; flex-direction: column;
  transition: border-color .25s ease, transform .25s cubic-bezier(.22,.8,.36,1), box-shadow .25s ease;
}
.ins-bento-tile:hover { border-color: rgba(224,37,37,.35); transform: translateY(-3px); box-shadow: 0 14px 30px -16px rgba(26,26,23,.18); }

.ins-bento-feature { grid-area: feature; background: #1A1A17; border-color: rgba(255,255,255,.08); padding: 32px 30px 30px; }
.ins-bento-feature:hover { border-color: rgba(224,37,37,.5); transform: none; }
.ins-bento-feature .ins-bento-icon { background: rgba(224,37,37,.18); }
.ins-bento-stat { font-family: var(--voy-font-heading); font-weight: 800; font-size: clamp(34px, 4vw, 46px); color: #FFFFFF; letter-spacing: -.02em; margin: 18px 0 3px; line-height: 1; }
.ins-bento-stat-label { font-size: 12.5px; color: rgba(254,252,246,.55); margin-bottom: 22px; }
.ins-bento-feature .ins-bento-title { color: #FEFCF6; font-size: 19px; }
.ins-bento-feature .ins-bento-desc { color: rgba(254,252,246,.6); }
.ins-bento-feature .ins-bento-tag { background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.14); color: rgba(254,252,246,.82); }

.ins-bento-mid1 { grid-area: mid1; }
.ins-bento-mid2 { grid-area: mid2; }
.ins-bento-b1 { grid-area: b1; }
.ins-bento-b2 { grid-area: b2; }
.ins-bento-banner { grid-area: banner; flex-direction: row; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; padding: 26px 30px; }

.ins-bento-icon {
  width: 44px; height: 44px; border-radius: 12px; flex: none;
  background: rgba(224,37,37,.08);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.ins-bento-title { font-family: var(--voy-font-heading); font-weight: 700; font-size: 16.5px; color: var(--voy-text-heading); margin-bottom: 8px; }
.ins-bento-desc { font-size: 13px; color: #6A6A5A; line-height: 1.55; margin-bottom: 16px; flex: 1; }
.ins-bento-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-top: auto; }
.ins-bento-tag { font-size: 11.5px; font-family: var(--voy-font-mono); color: #5A5A50; background: #FFFFFF; border: 1px solid var(--voy-border-light); padding: 5px 10px; border-radius: var(--voy-radius-pill); }

.ins-bento-banner-left { display: flex; align-items: center; gap: 18px; flex: 1 1 320px; }
.ins-bento-banner-left .ins-bento-icon { margin-bottom: 0; }
.ins-bento-banner-text .ins-bento-title { margin-bottom: 4px; }
.ins-bento-banner-text .ins-bento-desc { margin-bottom: 0; }
.ins-bento-banner-stats { display: flex; gap: 30px; flex-wrap: wrap; }
.ins-bento-banner-stat-num { font-family: var(--voy-font-heading); font-weight: 800; font-size: 21px; color: var(--voy-primary); letter-spacing: -.01em; }
.ins-bento-banner-stat-label { font-size: 11px; color: var(--voy-text-muted); margin-top: 3px; max-width: 140px; line-height: 1.35; }

/* ── 4. Where we can contribute ── */
.ins-contrib-section { background: var(--voy-bg-cream); padding: 88px 96px; border-top: 1px solid rgba(0,0,0,0.06); }
.ins-contrib-inner { max-width: 780px; margin: 0 auto; }
.ins-contrib-header { text-align: center; margin-bottom: 40px; }
.ins-contrib-header h2 {
  font-family: var(--voy-font-heading); font-weight: 800;
  font-size: clamp(26px, 3vw, 36px); color: var(--voy-text-heading); letter-spacing: -.025em; margin: 14px 0 0;
}
.ins-contrib-list { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.ins-contrib-list li {
  font-size: 15px; line-height: 1.6; color: var(--voy-text-body);
  padding: 16px 20px; background: #FFFFFF;
  border: 1px solid var(--voy-border-light); border-radius: 10px;
}

/* ── 5. What we will not claim ── */
.ins-noclaim-section { background: #FFFFFF; padding: 56px 96px 88px; border-top: 1px solid rgba(0,0,0,0.06); }
.ins-noclaim-card {
  max-width: 780px; margin: 0 auto;
  background: rgba(224,37,37,.045); border: 1px solid rgba(224,37,37,.18);
  border-radius: var(--voy-radius-lg); padding: 30px 32px;
}
.ins-noclaim-title { font-family: var(--voy-font-heading); font-weight: 700; font-size: 17px; color: var(--voy-text-heading); margin-bottom: 10px; }
.ins-noclaim-card p { font-size: 14px; color: #6A6A5A; line-height: 1.65; margin: 0; }

/* ── 6. Projects ── */
.ins-cases-section { background: var(--voy-bg-cream); padding: 96px 96px; border-top: 1px solid rgba(0,0,0,0.06); position: relative; overflow: hidden; }
.ins-cases-inner { max-width: 1248px; margin: 0 auto; position: relative; z-index: 1; }
.ins-cases-header { margin-bottom: 40px; max-width: 680px; }
.ins-cases-header h2 {
  font-family: var(--voy-font-heading); font-weight: 800;
  font-size: clamp(28px, 3vw, 40px); letter-spacing: -.025em;
  line-height: 1.1; color: var(--voy-text-heading); margin: 14px 0 16px;
}
.ins-cases-header p { font-size: 16px; color: var(--voy-text-body); line-height: 1.65; }
.ins-tabs-bar { display: flex; flex-wrap: wrap; gap: 6px; border-bottom: 1px solid rgba(0,0,0,0.1); margin-bottom: 32px; padding-bottom: 14px; }
.ins-tab {
  background: #FFFFFF; border: 1px solid var(--voy-border-light); cursor: pointer;
  padding: 9px 16px; border-radius: var(--voy-radius-pill);
  font-size: 13px; font-weight: 500; color: var(--voy-text-muted);
  transition: all .2s ease; white-space: nowrap; font-family: var(--voy-font-body);
}
.ins-tab.active { background: var(--voy-text-heading); border-color: var(--voy-text-heading); color: #FFFFFF; font-weight: 600; }
.ins-tab:hover:not(.active) { border-color: rgba(224,37,37,.4); color: var(--voy-text-heading); }
.ins-case-panel {
  background: var(--voy-bg-panel);
  border-radius: 16px;
  border: 1px solid #F2EBE0;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06), 0 4px 20px rgba(0,0,0,0.05);
  padding: 44px 48px;
  display: flex; gap: 56px; align-items: flex-start;
  transition: opacity .25s ease, transform .25s cubic-bezier(.22,.8,.36,1);
}
.ins-case-panel.switching { opacity: 0; transform: translateY(8px); }
.ins-case-left { flex: 1.3; min-width: 0; }
.ins-case-right { width: 320px; flex: none; background: var(--voy-bg-panel-inner); border-radius: 12px; border: 1px solid #EAE9E7; padding: 26px 22px; }
.ins-case-cat { font-size: 12px; font-family: var(--voy-font-mono); font-weight: 500; letter-spacing: .06em; color: var(--voy-primary); text-transform: uppercase; margin-bottom: 14px; }
.ins-case-title { font-family: var(--voy-font-heading); margin: 0 0 16px; font-size: 24px; line-height: 1.25; font-weight: 800; letter-spacing: -.02em; color: var(--voy-text-heading); }
.ins-case-desc { margin: 0 0 24px; font-size: 14.5px; line-height: 1.7; color: #5A5A50; }
.ins-case-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.ins-case-metric-label { font-size: 11px; text-transform: uppercase; letter-spacing: .07em; color: var(--voy-text-muted); margin-bottom: 14px; font-weight: 600; }
.ins-case-metric { padding: 12px 0; border-bottom: 1px solid #EAE7E0; }
.ins-case-metric:last-child { border-bottom: none; padding-bottom: 0; }
.ins-case-metric-num { font-family: var(--voy-font-heading); font-weight: 800; font-size: 19px; color: var(--voy-primary); letter-spacing: -.01em; }
.ins-case-metric-text { font-size: 12.5px; color: #6A6A5A; margin-top: 2px; line-height: 1.4; }

/* ── 7. Stats band ── */
.ins-stats-section { background: #1A1A17; padding: 72px 96px; }
.ins-stats-inner { max-width: 1248px; margin: 0 auto; }
.ins-stats-inner h2 {
  font-family: var(--voy-font-heading); font-weight: 800; text-align: center;
  font-size: clamp(24px, 2.6vw, 32px); color: #FEFCF6; letter-spacing: -.02em; margin-bottom: 48px;
}
.ins-stats-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 0; }
.ins-stat-cell { text-align: center; padding: 0 12px; border-left: 1px solid rgba(255,255,255,0.08); }
.ins-stat-cell:first-child { border-left: none; }
.ins-stat-num { font-family: var(--voy-font-heading); font-weight: 800; font-size: 28px; color: var(--voy-primary); letter-spacing: -.02em; line-height: 1; }
.ins-stat-label { font-size: 12px; color: rgba(254,252,246,0.5); margin-top: 10px; line-height: 1.4; }

/* ── 8. Tech stack ── */
.ins-stack-section { background: #FFFFFF; padding: 96px 96px; border-top: 1px solid rgba(0,0,0,0.06); }
.ins-stack-inner { max-width: 1248px; margin: 0 auto; }
.ins-stack-header { text-align: center; margin-bottom: 48px; }
.ins-stack-header h2 {
  font-family: var(--voy-font-heading); font-weight: 800;
  font-size: clamp(26px, 3vw, 36px); letter-spacing: -.025em;
  color: var(--voy-text-heading); margin: 14px 0 0;
}
.ins-stack-header p { font-size: 15px; color: var(--voy-text-body); line-height: 1.6; max-width: 520px; margin: 12px auto 0; }

/* layered architecture list */
.ins-stack-layers { display: flex; flex-direction: column; max-width: 860px; margin: 0 auto; }
.ins-stack-layer { display: flex; gap: 26px; }
.ins-stack-node { display: flex; flex-direction: column; align-items: center; flex: none; }
.ins-stack-dot {
  width: 46px; height: 46px; border-radius: 13px; flex: none;
  background: var(--layer-bg, rgba(224,37,37,.08));
  border: 1.5px solid var(--layer-color, var(--voy-primary));
  display: flex; align-items: center; justify-content: center;
}
.ins-stack-connector { width: 1.5px; flex: 1; min-height: 44px; background: var(--voy-border-light); margin: 8px 0; }
.ins-stack-layer:last-child .ins-stack-connector { display: none; }
.ins-stack-card {
  flex: 1; min-width: 0;
  background: var(--voy-bg-panel-inner);
  border: 1px solid var(--voy-border-light);
  border-radius: var(--voy-radius-lg);
  padding: 20px 26px 22px;
  margin-bottom: 26px;
  transition: border-color .25s ease, transform .25s ease, box-shadow .25s ease;
}
.ins-stack-layer:last-child .ins-stack-card { margin-bottom: 0; }
.ins-stack-card:hover { border-color: var(--layer-color, var(--voy-primary)); transform: translateX(5px); box-shadow: 0 14px 30px -18px rgba(26,26,23,.16); }
.ins-stack-card-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-bottom: 14px; flex-wrap: wrap; }
.ins-stack-layer-title { font-family: var(--voy-font-heading); font-weight: 800; font-size: 18px; color: var(--voy-text-heading); }
.ins-stack-layer-tag { font-size: 11px; font-family: var(--voy-font-mono); text-transform: uppercase; letter-spacing: .06em; color: var(--layer-color, var(--voy-primary)); font-weight: 600; white-space: nowrap; }
.ins-stack-pills { display: flex; flex-wrap: wrap; gap: 8px; }
.ins-stack-pill {
  font-size: 12.5px; color: #5A5A50; font-weight: 500;
  background: #FFFFFF; border: 1px solid var(--voy-border-light);
  padding: 6px 12px; border-radius: var(--voy-radius-pill);
}

/* ── 9. Governance / approach pillars ── */
.ins-approach-section { background: #1A1A17; padding: 88px 96px; border-top: 1px solid rgba(255,255,255,0.06); }
.ins-approach-header { text-align: center; max-width: 660px; margin: 0 auto 56px; }
.ins-approach-header h2 {
  font-family: var(--voy-font-heading); font-weight: 800;
  font-size: clamp(26px, 3vw, 36px); color: #FEFCF6; letter-spacing: -.025em; margin: 14px 0 14px;
}
.ins-approach-header p { font-size: 15px; color: rgba(254,252,246,0.5); line-height: 1.65; }
.ins-approach-grid { max-width: 1248px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; }
.ins-approach-card { display: flex; flex-direction: column; gap: 16px; }
.ins-approach-icon { width: 46px; height: 46px; border-radius: 12px; background: rgba(224,37,37,.12); display: flex; align-items: center; justify-content: center; }
.ins-approach-title { font-family: var(--voy-font-heading); font-weight: 700; font-size: 16px; color: #FEFCF6; }
.ins-approach-text { font-size: 13.5px; color: rgba(254,252,246,0.48); line-height: 1.65; }

/* ── Responsive ── */
@media (max-width: 1100px) {
  .ins-hero-inner, .ins-areas-section, .ins-cap-section, .ins-contrib-section, .ins-noclaim-section, .ins-cases-section, .ins-stack-section, .ins-approach-section, .ins-stats-section, .ins-questions-section { padding-left: 48px; padding-right: 48px; }
  .ins-hero-visual { width: 300px; padding-right: 48px; }
  .ins-hero-panel { max-width: 280px; padding: 18px 18px; }
  .ins-hero-float-chip { left: -14px; bottom: -14px; padding: 9px 12px; }
  .ins-areas-grid { grid-template-columns: repeat(2, 1fr); }
  .ins-cap-bento { grid-template-columns: 1fr 1fr; grid-template-areas: "feature feature" "mid1 mid2" "b1 b2" "banner banner"; }
  .ins-approach-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .ins-stats-grid { grid-template-columns: repeat(3, 1fr); gap: 24px; }
  .ins-stat-cell { border-left: none; border-top: 1px solid rgba(255,255,255,0.08); padding-top: 20px; }
  .ins-questions-inner { flex-direction: column; gap: 40px; }
  .ins-questions-intro { position: static; flex: none; }
}
@media (max-width: 900px) {
  .ins-case-panel { flex-direction: column; gap: 28px; }
  .ins-case-right { width: 100%; }
}
@media (max-width: 860px) {
  .ins-hero-container { flex-wrap: wrap; }
  .ins-hero-visual { display: none; }
  .ins-hero-inner { flex: 1 1 100%; max-width: 100%; }
}
@media (max-width: 700px) {
  .ins-hero-inner { padding: 56px 24px 32px; }
  .ins-areas-section, .ins-cap-section, .ins-contrib-section, .ins-noclaim-section, .ins-cases-section, .ins-stack-section, .ins-approach-section, .ins-stats-section, .ins-questions-section { padding: 56px 20px 64px; }
  .ins-areas-grid { grid-template-columns: 1fr; }
  .ins-cap-bento { grid-template-columns: 1fr; grid-template-areas: "feature" "mid1" "mid2" "b1" "b2" "banner"; }
  .ins-approach-grid { grid-template-columns: 1fr; }
  .ins-stats-grid { grid-template-columns: repeat(2, 1fr); }
  .ins-case-panel { padding: 28px 20px; }
  .ins-stack-layer { gap: 16px; }
  .ins-stack-dot { width: 38px; height: 38px; }
  .ins-stack-card { padding: 16px 18px 18px; }
  .ins-bento-banner { flex-direction: column; align-items: flex-start; }
  .ins-questions-item { gap: 12px; }
}

/* ── 10. Questions we would ask first (FAQ-style layout) ── */
.ins-questions-section { background: #FFFFFF; padding: 100px 96px; border-top: 1px solid rgba(0,0,0,0.07); }
.ins-questions-inner { max-width: 1248px; margin: 0 auto; display: flex; gap: 80px; align-items: flex-start; }
.ins-questions-intro { flex: 0 0 320px; position: sticky; top: 110px; }
.ins-questions-intro .section-badge-wrap { justify-content: flex-start; margin-bottom: 18px; }
.ins-questions-intro h2 {
  font-family: var(--voy-font-heading); font-weight: 800;
  font-size: clamp(26px, 3vw, 34px); letter-spacing: -.02em;
  line-height: 1.15; color: var(--voy-text-heading); margin: 0;
}
.ins-questions-list { flex: 1; min-width: 0; border-top: 1px solid rgba(0,0,0,0.09); }
.ins-questions-item { display: flex; align-items: flex-start; gap: 20px; padding: 26px 0; border-bottom: 1px solid rgba(0,0,0,0.09); }
.ins-questions-num { flex-shrink: 0; font-family: var(--voy-font-mono); font-size: 13px; font-weight: 500; color: rgba(224,37,37,.5); padding-top: 3px; }
.ins-questions-text { flex: 1; font-family: var(--voy-font-heading); font-weight: 700; font-size: 17px; color: var(--voy-text-heading); line-height: 1.4; }