:root{
    --n950:#06163A;--n900:#0D2B5E;--n800:#1B3A6B;--n700:#163A8A;--n600:#2952A3;
    --blue:#2563EB;--blue4:#3B82F6;--blue1:#DBEAFE;--blue50:#EFF6FF;
    --gold:#C8960C;--ink:#111827;--muted:#4B5563;--faint:#9CA3AF;
    --line:#E5E7EB;--bg:#F9FAFB;--paper:#fff;
    --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
    --r:16px;--r-lg:24px;
    --sh:0 1px 2px rgba(13,43,94,.04),0 12px 32px rgba(13,43,94,.08);
    --sh-lg:0 30px 60px rgba(13,43,94,.16);
  }
  *,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
  body{font-family:var(--sans);background:var(--bg);color:var(--ink);line-height:1.6;
    -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:hidden;letter-spacing:-.011em}
  a{color:inherit;text-decoration:none}
  a:focus-visible,button:focus-visible,.btn:focus-visible{outline:3px solid var(--blue4);outline-offset:3px;border-radius:8px}
  .w{width:min(1180px,92%);margin:0 auto;position:relative;z-index:2}
  h1,h2,h3{font-weight:700;letter-spacing:-.02em;line-height:1.12;color:var(--ink)}
  .gold{color:var(--gold)}.bl{color:var(--blue)}

  /* bilingual — must always win */
  .en{display:none!important}
  body.lang-en .ru{display:none!important}
  body.lang-en .en{display:inline!important}
  body.lang-en .en.blk{display:block!important}

  /* scroll progress */
  #prog{position:fixed;top:0;left:0;height:3px;width:0;z-index:300;
    background:linear-gradient(90deg,var(--blue),var(--blue4));transition:width .1s linear}

  /* buttons */
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;height:50px;padding:0 24px;
    border-radius:11px;font-size:15px;font-weight:600;cursor:pointer;border:1.5px solid transparent;white-space:nowrap;
    transition:transform .18s cubic-bezier(.2,.8,.3,1),background .2s,border-color .2s,color .2s,box-shadow .25s}
  .btn:hover{transform:translateY(-2px)}.btn:active{transform:translateY(0) scale(.985)}
  .btn-blue{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(37,99,235,.32)}
  .btn-blue:hover{background:#1d4fd0;box-shadow:0 16px 34px rgba(37,99,235,.42)}
  .btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.22)}
  .btn-ghost:hover{background:rgba(255,255,255,.16)}
  .btn-soft{background:var(--paper);color:var(--n900);border-color:var(--line)}
  .btn-soft:hover{border-color:var(--blue);color:var(--blue)}
  .btn-sm{height:42px;padding:0 16px;font-size:14px;border-radius:10px}
  .btn-lg{height:54px;padding:0 28px;font-size:16px}

  /* gem mark */
  .gem{display:block}
  .gem .tbl{transform-origin:center;animation:shine 4.5s ease-in-out infinite}
  @keyframes shine{0%,100%{opacity:1}50%{opacity:.62}}

  /* HEADER */
  header{position:fixed;inset:0 0 auto 0;z-index:100;transition:background .3s,box-shadow .3s,border-color .3s;
    background:rgba(6,22,58,0);border-bottom:1px solid transparent}
  header.solid{background:rgba(255,255,255,.86);backdrop-filter:saturate(180%) blur(16px);
    -webkit-backdrop-filter:saturate(180%) blur(16px);border-bottom-color:var(--line);box-shadow:0 4px 24px rgba(13,43,94,.05)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:70px;gap:18px}
  .brand{display:flex;align-items:center;gap:11px}
  .brand .wm{display:flex;flex-direction:column;line-height:1}
  .brand .wm-n{font-size:18px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
  .brand .wm-s{font-size:8px;font-weight:500;letter-spacing:.26em;text-transform:uppercase;margin-top:4px;color:var(--faint)}
  .nav-links{display:flex;gap:26px;font-size:14px;font-weight:500}
  .nav-right{display:flex;gap:12px;align-items:center}
  .lang{display:inline-flex;border-radius:999px;overflow:hidden;border:1px solid transparent}
  .lang button{border:0;background:transparent;padding:7px 11px;font-family:var(--sans);font-size:12px;font-weight:700;cursor:pointer;color:inherit;opacity:.6}
  .lang button.on{opacity:1}
  /* header color states: transparent (over hero) = light text; solid = dark text */
  header:not(.solid) .nav-links a,header:not(.solid) .brand .wm-n,header:not(.solid) .lang button{color:#fff}
  header:not(.solid) .brand .wm-s{color:rgba(255,255,255,.5)}
  header:not(.solid) .lang{border-color:rgba(255,255,255,.25)}
  header.solid .nav-links a,header.solid .brand .wm-n{color:var(--ink)}
  header.solid .lang{border-color:var(--line)}
  header.solid .lang button{color:var(--muted)}
  .nav-links a{position:relative;transition:color .2s;opacity:.9}
  .nav-links a:hover{opacity:1;color:var(--blue4)}
  .burger{display:none;width:42px;height:42px;border:0;background:transparent;cursor:pointer;flex-direction:column;gap:5px;align-items:center;justify-content:center}
  .burger span{width:22px;height:2px;background:#fff;border-radius:2px;transition:.3s}
  header.solid .burger span{background:var(--ink)}
  @media(max-width:980px){.nav-links{display:none}.nav-right .btn-soft,.nav-right .lang{display:none}}
  @media(max-width:980px){.burger{display:flex}}
  @media(max-width:520px){.nav-right .btn-blue{display:none}}

  /* mobile menu */
  #mmenu{position:fixed;inset:0;z-index:99;background:var(--n950);display:none;flex-direction:column;padding:90px 28px 28px;gap:6px}
  #mmenu.open{display:flex}
  #mmenu a{color:#fff;font-size:18px;font-weight:600;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08)}
  #mmenu .btn{margin-top:18px}

  /* HERO (dark, full-bleed) */
  .hero{position:relative;min-height:100vh;display:flex;align-items:center;padding:120px 0 70px;color:#fff;overflow:hidden}
  .hero-bg{position:absolute;inset:0;z-index:0}
  .hero-bg img{width:100%;height:100%;object-fit:cover;transform:scale(1.06)}
  .hero-bg::after{content:"";position:absolute;inset:0;
    background:linear-gradient(110deg,var(--n950) 16%,rgba(13,43,94,.94) 46%,rgba(13,43,94,.5) 100%)}
  .hero-bg::before{content:"";position:absolute;inset:0;z-index:1;opacity:.5;
    background:radial-gradient(900px 480px at 12% 28%,rgba(37,99,235,.35),transparent 60%)}
  .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;letter-spacing:.14em;
    text-transform:uppercase;color:var(--blue1);background:rgba(37,99,235,.18);border:1px solid rgba(59,130,246,.35);
    border-radius:999px;padding:7px 14px}
  .hero h1{font-size:clamp(34px,6vw,62px);font-weight:800;letter-spacing:-.03em;margin:22px 0 0;max-width:15ch;color:#fff}
  .hero h1 .bl{color:var(--blue4)}
  .hero .lead{margin-top:22px;font-size:clamp(16px,2.1vw,20px);color:rgba(255,255,255,.85);max-width:54ch;font-weight:400}
  .hcta{display:flex;gap:13px;flex-wrap:wrap;margin-top:34px}
  .hsub{margin-top:20px;font-size:13.5px;color:rgba(255,255,255,.62)}
  /* trust bar */
  .trust{margin-top:46px;display:flex;flex-wrap:wrap;gap:10px 22px;align-items:center;padding-top:26px;border-top:1px solid rgba(255,255,255,.14)}
  .trust span{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:rgba(255,255,255,.85)}
  .trust span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold)}
  @media(max-width:760px){.hero{padding:104px 0 54px;min-height:auto}}
  /* duotone icon sizing */
  .ic i{font-size:25px;line-height:1}
  .applist .ai .ic i{font-size:21px}

  /* generic section */
  section.s{padding:96px 0;position:relative}
  .sec-head{max-width:660px;margin:0 auto 56px;text-align:center}
  .tag{font-size:12px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--blue)}
  .sec-head h2{font-size:clamp(27px,3.8vw,42px);margin-top:14px}
  .sec-head p{margin-top:16px;font-size:17px;color:var(--muted)}
  @media(max-width:760px){section.s{padding:64px 0}.sec-head{margin-bottom:38px}}

  /* problem */
  .prob{background:var(--n950);color:#fff}
  .prob .sec-head h2{color:#fff}.prob .sec-head p{color:rgba(255,255,255,.7)}
  .prob .tag{color:var(--blue4)}
  .pcards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
  @media(max-width:860px){.pcards{grid-template-columns:1fr}}
  .pcard{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);padding:28px;transition:transform .3s,background .3s,border-color .3s}
  .pcard:hover{transform:translateY(-5px);background:rgba(255,255,255,.07);border-color:rgba(59,130,246,.4)}
  .pcard .ic{width:46px;height:46px;border-radius:12px;background:rgba(37,99,235,.18);display:flex;align-items:center;justify-content:center;color:var(--blue4);margin-bottom:18px}
  .pcard h3{font-size:18px;color:#fff;margin-bottom:8px}
  .pcard p{font-size:14.5px;color:rgba(255,255,255,.66)}

  /* solution */
  .scards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
  @media(max-width:860px){.scards{grid-template-columns:1fr}}
  .scard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px;box-shadow:var(--sh);
    transition:transform .35s cubic-bezier(.2,.8,.3,1),box-shadow .35s,border-color .3s;position:relative;overflow:hidden}
  .scard:hover{transform:translateY(-6px);box-shadow:var(--sh-lg);border-color:#cfe0ff}
  .scard .ic{width:50px;height:50px;border-radius:13px;background:var(--blue50);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
  .scard.gold .ic{background:#FBF3DE;color:var(--gold)}
  .scard h3{font-size:20px;margin-bottom:9px}
  .scard p{font-size:15px;color:var(--muted)}
  .scard .badge{position:absolute;top:22px;right:22px;font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);background:#FBF3DE;border-radius:999px;padding:4px 10px}

  /* money flow */
  .flow{background:linear-gradient(160deg,var(--n900),var(--n950));color:#fff}
  .flow .sec-head h2{color:#fff}.flow .sec-head p{color:rgba(255,255,255,.7)}.flow .tag{color:var(--blue4)}
  .chain{display:flex;align-items:stretch;justify-content:center;gap:0;flex-wrap:wrap}
  .node{flex:1;min-width:150px;max-width:210px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);
    border-radius:var(--r);padding:22px 16px;text-align:center;position:relative}
  .node.hl{background:rgba(37,99,235,.2);border-color:var(--blue4);box-shadow:0 0 0 1px var(--blue4),0 18px 40px rgba(37,99,235,.3)}
  .node.gold{border-color:rgba(200,150,12,.55);background:rgba(200,150,12,.12)}
  .node .nlbl{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:8px}
  .node .nname{font-size:16px;font-weight:700}
  .node .nsub{font-size:11.5px;color:rgba(255,255,255,.6);margin-top:3px}
  .arrow{display:flex;align-items:center;justify-content:center;color:var(--blue4);font-size:22px;padding:0 6px}
  @media(max-width:820px){.chain{flex-direction:column;align-items:center}.node{max-width:300px;width:100%}.arrow{transform:rotate(90deg);padding:8px 0}}
  .flow-note{text-align:center;margin-top:26px;font-size:13.5px;color:rgba(255,255,255,.58)}

  /* steps */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:st}
  @media(max-width:860px){.steps{grid-template-columns:1fr}}
  .step{position:relative;padding:30px 26px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh);counter-increment:st;transition:transform .3s,box-shadow .3s}
  .step:hover{transform:translateY(-5px);box-shadow:var(--sh-lg)}
  .step::before{content:counter(st);position:absolute;top:-18px;left:26px;width:42px;height:42px;border-radius:12px;
    background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;box-shadow:0 8px 20px rgba(37,99,235,.4)}
  .step h3{font-size:18px;margin:14px 0 8px}.step p{font-size:14.5px;color:var(--muted)}

  /* pricing */
  .price{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;align-items:stretch}
  @media(max-width:860px){.price{grid-template-columns:1fr}}
  .tier{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px 28px;display:flex;flex-direction:column;box-shadow:var(--sh);transition:transform .35s,box-shadow .35s,border-color .3s}
  .tier:hover{transform:translateY(-6px);box-shadow:var(--sh-lg)}
  .tier.feat{border-color:var(--blue);box-shadow:0 20px 48px rgba(37,99,235,.16)}
  .tier .pl{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);background:var(--blue50);border-radius:999px;padding:5px 12px;align-self:flex-start;margin-bottom:16px}
  .tier h3{font-size:21px}
  .tier .pr{font-family:var(--sans);font-weight:800;font-size:40px;color:var(--n900);line-height:1.1;margin-top:6px}
  .tier .pr small{font-size:14px;font-weight:500;color:var(--faint)}
  .tier ul{list-style:none;margin:20px 0 24px;display:flex;flex-direction:column;gap:11px}
  .tier li{display:flex;gap:10px;font-size:14.5px;color:var(--ink)}
  .tier li svg{flex:none;color:var(--blue)}
  .tier li.off{color:var(--faint)}.tier li.off svg{color:var(--line)}
  .tier .btn{margin-top:auto}
  .price-note{text-align:center;margin-top:24px;font-size:13.5px;color:var(--muted)}

  /* pilot / case */
  .case{display:grid;grid-template-columns:1.05fr .95fr;gap:0;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);background:var(--n900)}
  @media(max-width:860px){.case{grid-template-columns:1fr}}
  .case-txt{padding:48px 44px;color:#fff}
  .case-txt h2{color:#fff;font-size:clamp(24px,3.2vw,34px)}
  .case-txt p{color:rgba(255,255,255,.78);font-size:15.5px;margin:14px 0 26px}
  .nums{display:flex;gap:30px;flex-wrap:wrap}
  .nums .v{font-size:34px;font-weight:800;color:#fff;line-height:1}
  .nums .v .u{font-size:15px;font-weight:600;color:var(--blue4)}
  .nums .k{font-size:12px;color:rgba(255,255,255,.6);margin-top:5px}
  .case-img{position:relative;min-height:300px}
  .case-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
  .case-img::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--n900),transparent 40%)}

  /* split (insurer) */
  .split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
  @media(max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
  .split .vis{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);position:relative;aspect-ratio:4/3;background:var(--n900)}
  .split .vis img{width:100%;height:100%;object-fit:cover;opacity:.9}
  .split .vis::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent,rgba(13,43,94,.5))}
  .quote{margin-top:18px;padding:18px 20px;border-left:3px solid var(--blue);background:var(--blue50);border-radius:0 12px 12px 0;font-size:15px;color:var(--n900)}
  .ulist{display:flex;flex-direction:column;gap:12px;margin-top:18px}
  .ulist span{display:flex;gap:11px;font-size:15px;color:var(--ink);font-weight:500}
  .ulist svg{flex:none;color:var(--blue);margin-top:2px}

  /* app teaser */
  .app{background:var(--blue50)}
  .app-wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
  @media(max-width:860px){.app-wrap{grid-template-columns:1fr}}
  /* iPhone 17 Pro Max mock */
  .phone{justify-self:center;width:clamp(250px,80vw,298px);position:relative;border-radius:52px;
    background:linear-gradient(150deg,#454a54 0%,#1c2028 40%,#0b0d12 100%);padding:11px;
    box-shadow:0 46px 92px rgba(13,43,94,.30),0 12px 34px rgba(0,0,0,.34)}
  .phone::before{content:"";position:absolute;inset:4px;border-radius:48px;border:1px solid rgba(255,255,255,.08);pointer-events:none;z-index:5}
  .phone .scr{position:relative;border-radius:41px;overflow:hidden;background:#fff;display:flex;flex-direction:column}
  .phone .statusbar{position:relative;height:42px;flex:none;background:#fff;display:flex;align-items:flex-end;justify-content:space-between;padding:0 22px 7px}
  .phone .statusbar .t{font-size:13.5px;font-weight:600;color:#0b0b0c;letter-spacing:.2px}
  .phone .statusbar .r{display:flex;align-items:center;gap:5px}
  .phone .statusbar .r svg{display:block}
  .phone .island{position:absolute;top:8px;left:50%;transform:translateX(-50%);width:31%;max-width:98px;height:25px;background:#000;border-radius:13px;z-index:3}
  .phone .scr>img{display:block;width:100%;height:auto}
  .applist{display:flex;flex-direction:column;gap:14px;margin-top:18px}
  .applist .ai{display:flex;gap:12px;align-items:flex-start}
  .applist .ai .ic{width:40px;height:40px;border-radius:11px;background:var(--paper);color:var(--blue);display:flex;align-items:center;justify-content:center;flex:none;box-shadow:var(--sh)}
  .applist .ai h4{font-size:15px}.applist .ai p{font-size:13.5px;color:var(--muted)}

  /* final cta */
  .cta{background:linear-gradient(150deg,var(--blue),var(--n700));color:#fff;border-radius:var(--r-lg);text-align:center;padding:64px 36px;position:relative;overflow:hidden}
  .cta::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 50% 0,rgba(255,255,255,.16),transparent 70%)}
  .cta h2{color:#fff;font-size:clamp(26px,3.6vw,40px)}
  .cta p{color:rgba(255,255,255,.85);margin:14px auto 28px;font-size:17px;max-width:50ch}

  /* footer */
  footer{background:var(--n950);color:rgba(255,255,255,.7);padding:60px 0 34px;margin-top:14px}
  .foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
  @media(max-width:860px){.foot{grid-template-columns:1fr 1fr}}
  .foot .about p{margin-top:14px;font-size:13.5px;line-height:1.7;color:rgba(255,255,255,.55);max-width:30ch}
  .fcol h5{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin-bottom:15px}
  .fcol a{display:block;font-size:14px;margin-bottom:10px;color:rgba(255,255,255,.6);transition:color .2s}
  .fcol a:hover{color:#fff}
  .fbar{margin-top:42px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:12.5px;color:rgba(255,255,255,.6)}
  .fbar .pw{color:rgba(255,255,255,.6)}

  /* reveal animations */
  .rv{opacity:0;transform:translateY(30px);transition:opacity .8s cubic-bezier(.2,.8,.3,1),transform .8s cubic-bezier(.2,.8,.3,1)}
  .rv.in{opacity:1;transform:none}
  [data-st]>*{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.8,.3,1),transform .7s cubic-bezier(.2,.8,.3,1);transition-delay:var(--d,0s)}
  [data-st].in>*{opacity:1;transform:none}
  @media(prefers-reduced-motion:reduce){
    *{animation:none!important}
    .rv,[data-st]>*{opacity:1!important;transform:none!important;transition:none!important}
    .hero-bg img{transform:none!important}
  }

/* ===== sub-page utilities ===== */
.page-hero{position:relative;background:linear-gradient(135deg,var(--n950),var(--n900));color:#fff;padding:140px 0 64px;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;opacity:.6;background:radial-gradient(700px 360px at 85% 8%,rgba(37,99,235,.3),transparent 60%)}
.page-hero .w{position:relative;z-index:2}
.page-hero .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--blue1);background:rgba(37,99,235,.18);border:1px solid rgba(59,130,246,.35);border-radius:999px;padding:7px 14px}
.page-hero h1{font-size:clamp(30px,4.6vw,50px);font-weight:800;letter-spacing:-.03em;color:#fff;margin:20px 0 0;max-width:20ch}
.page-hero .lead{margin-top:18px;font-size:clamp(16px,1.9vw,19px);color:rgba(255,255,255,.82);max-width:62ch}
.page-hero .hcta{margin-top:30px}
.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:22px;margin:34px 0 12px}
.prose h3{font-size:17px;margin:24px 0 8px}
.prose p{color:var(--muted);font-size:15.5px;margin-bottom:14px}
.prose ul{margin:0 0 14px;padding-left:20px;color:var(--muted);font-size:15.5px}
.prose li{margin-bottom:7px}
.prose .upd{font-size:13px;color:var(--faint);margin-bottom:24px}
.faq{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:2px 20px;box-shadow:var(--sh);transition:border-color .2s}
.faq details[open]{border-color:#cfe0ff}
.faq summary{cursor:pointer;list-style:none;padding:17px 0;font-size:16px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary i{color:var(--blue);font-size:20px;transition:transform .25s;flex:none}
.faq details[open] summary i{transform:rotate(45deg)}
.faq .ans{padding:0 0 18px;color:var(--muted);font-size:15px;line-height:1.7}
.form-card{max-width:560px;margin:0 auto;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px;box-shadow:var(--sh)}
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:7px}
.field input,.field textarea,.field select{width:100%;border:1px solid #D7DCE3;border-radius:11px;padding:12px 14px;font-family:var(--sans);font-size:15px;color:var(--ink);background:#fff;outline:none;transition:border-color .2s,box-shadow .2s}
.field input:focus,.field textarea:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.12)}
.field textarea{min-height:120px;resize:vertical}
.code{background:var(--n950);color:#DBEAFE;border-radius:14px;padding:20px 22px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13px;line-height:1.7;overflow-x:auto;border:1px solid rgba(255,255,255,.08);white-space:pre}
.code .k{color:#7FB0FF}.code .s{color:#9AE6B4}.code .c{color:#6B7A99}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:860px){.grid-2,.grid-3{grid-template-columns:1fr}}
.fcard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--sh);transition:transform .3s,box-shadow .3s}
.fcard:hover{transform:translateY(-4px);box-shadow:var(--sh-lg)}
.fcard .ic{width:48px;height:48px;border-radius:13px;background:var(--blue50);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:24px}
.fcard h3{font-size:18px;margin-bottom:8px}.fcard p{font-size:14.5px;color:var(--muted)}

/* insurer illustration variant — light card, no crop, no overlay */
.split .vis.illu{background:#fff;border:1px solid var(--line)}
.split .vis.illu img{object-fit:contain;opacity:1;padding:22px}
.split .vis.illu::after{display:none}