/* ===== insurance.css — page-specific styles ===== */



        /* glass calc */
        .calc-box {
            background: linear-gradient(145deg, rgba(13, 32, 64, .90) 0%, rgba(22, 46, 88, .84) 55%, rgba(30, 60, 112, .78) 100%);
            border: 1px solid rgba(255, 255, 255, .12);
            border-radius: var(--r-xl);
            padding: 42px 40px;
            box-shadow: var(--sh-6), inset 0 1px 0 rgba(255, 255, 255, .09);
            backdrop-filter: blur(20px);
            position: relative;
            overflow: hidden;
            height: 100%;
            box-sizing: border-box;
        }



        .calc-grid {
            position: absolute;
            inset: 0;
            background-image: linear-gradient(rgba(255, 255, 255, .02) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .02) 1px, transparent 1px);
            background-size: 36px 36px;
        }



        .calc-box::before {
            content: '';
            position: absolute;
            right: -50px;
            top: -50px;
            width: 240px;
            height: 240px;
            background: radial-gradient(circle, rgba(255, 74, 28, .2) 0%, transparent 60%);
        }



        .calc-box::after {
            content: '';
            position: absolute;
            left: -40px;
            bottom: -50px;
            width: 200px;
            height: 200px;
            background: radial-gradient(circle, rgba(22, 80, 180, .22) 0%, transparent 65%);
        }



        .calc-hd {
            position: relative;
            z-index: 1;
            margin-bottom: 28px;
        }



        .calc-hd .label {
            margin-bottom: 10px;
        }



        .calc-title {
            font-size: clamp(22px, 2.8vw, 32px);
            font-weight: 800;
            letter-spacing: -.03em;
            color: #fff;
        }



        .calc-sub {
            font-size: 14px;
            color: rgba(255, 255, 255, .42);
            margin-top: 6px;
        }



        .calc-result {
            background: rgba(255, 74, 28, .18);
            border: 1.5px solid rgba(255, 74, 28, .38);
            border-radius: var(--r);
            padding: 20px 22px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin: 22px 0;
            position: relative;
            z-index: 1;
        }



        .cr-l .cr-lbl {
            font-size: 12.5px;
            color: rgba(255, 255, 255, .52);
            font-weight: 600;
        }



        .cr-l .cr-note {
            font-size: 11.5px;
            color: rgba(255, 255, 255, .3);
            margin-top: 3px;
        }



        .cr-val {
            font-size: 34px;
            font-weight: 900;
            color: #fff;
            letter-spacing: -.04em;
        }



        .calc-btn {
            width: 100%;
            padding: 15px;
            background: linear-gradient(135deg, var(--orange-l), var(--orange));
            color: #fff;
            border: none;
            border-radius: var(--r-sm);
            font-size: 15px;
            font-weight: 800;
            font-family: var(--font);
            cursor: pointer;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 9px;
            transition: all .22s;
            box-shadow: var(--sh-orange);
            position: relative;
            z-index: 1;
        }



        .calc-btn:hover {
            filter: brightness(1.08);
            transform: translateY(-2px);
            box-shadow: 0 10px 32px rgba(255, 74, 28, .48);
        }



        /* ═══ INSURANCE PAGE ═══ */
        .ins-section {
            padding: 72px 0 88px;
        }



        .ins-inner {
            /*max-width: 860px;*/
            margin: 0 auto;
        }



        .ins-badge {
            display: inline-flex;
            align-items: center;
            background: var(--orange-xs);
            border: 1.5px solid var(--orange-sm);
            border-radius: 100px;
            padding: 5px 14px;
            font-size: 11.5px;
            font-weight: 800;
            color: var(--orange);
            letter-spacing: .06em;
            text-transform: uppercase;
            margin-bottom: 20px;
        }



        .ins-title {
            font-size: clamp(26px, 3vw, 38px);
            font-weight: 900;
            letter-spacing: -.03em;
            color: var(--ink-1);
            margin-bottom: 12px;
            line-height: 1.15;
        }



        .ins-sub {
            font-size: 17px;
            color: var(--ink-3);
            line-height: 1.6;
            margin-bottom: 24px;
        }



        .ins-body {
            display: flex;
            flex-direction: column;
            gap: 12px;
            margin-bottom: 40px;
            padding-bottom: 40px;
            border-bottom: 1.5px solid var(--border);
        }



        .ins-body p {
            font-size: 15px;
            color: var(--ink-2);
            line-height: 1.75;
        }



        .ins-cards {
            display: grid;
            grid-template-columns:repeat(auto-fill, minmax(200px, 1fr));
            gap: 16px;
            margin-bottom: 36px;
        }



        .ins-card {
            background: var(--bg-card);
            border: 1.5px solid var(--border);
            border-radius: var(--r);
            padding: 22px 18px;
            box-shadow: var(--sh-1);
            transition: all .22s var(--ease);
        }



        .ins-card:hover {
            border-color: var(--border-2);
            box-shadow: var(--sh-3);
            transform: translateY(-3px);
        }



        .ins-card-icon {
            width: 44px;
            height: 44px;
            background: var(--orange-xs);
            border: 1.5px solid var(--orange-sm);
            border-radius: var(--r-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 14px;
        }



        .ins-card-icon svg {
            width: 20px;
            height: 20px;
            color: var(--orange);
        }



        .ins-card-title {
            font-size: 14px;
            font-weight: 700;
            color: var(--ink-1);
            margin-bottom: 6px;
        }



        .ins-card-text {
            font-size: 13.5px;
            color: var(--ink-3);
            line-height: 1.55;
        }



        .ins-cta {
            display: inline-flex;
            align-items: center;
            padding: 14px 28px;
            background: var(--orange);
            color: #fff;
            font-family: var(--font);
            font-size: 15px;
            font-weight: 700;
            border-radius: var(--r);
            box-shadow: var(--sh-orange);
            transition: all .22s var(--ease);
            text-decoration: none;
        }



        .ins-cta:hover {
            filter: brightness(1.07);
            transform: translateY(-2px);
        }