:root {
    --insurance-black: #111111;
    --insurance-ink: #252525;
    --insurance-muted: #666a70;
    --insurance-line: #d4d8dc;
    --insurance-paper: #eceff1;
    --insurance-white: #ffffff;
    --insurance-blue: #1d44b8;
    --insurance-blue-dark: #16358f;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { background: var(--insurance-white); color: var(--insurance-ink); font-family: Arial, Helvetica, sans-serif; line-height: 1.55; margin: 0; }
a { color: inherit; }
.insurance-net-za-reveal-ready [data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
[data-reveal].is-visible { opacity: 1; transform: translateY(0); }
.insurance-net-za-skip-link { background: var(--insurance-blue); color: var(--insurance-white); left: 1rem; padding: .75rem 1rem; position: fixed; top: -5rem; z-index: 20; }
.insurance-net-za-skip-link:focus { top: 1rem; }
.insurance-net-za-header, .insurance-net-za-footer { align-items: center; display: flex; justify-content: space-between; padding: 1.5rem max(4vw, 1.5rem); }
.insurance-net-za-header { background: var(--insurance-white); border-bottom: 1px solid var(--insurance-line); position: sticky; top: 0; transition: padding .25s ease, box-shadow .25s ease; z-index: 15; }
.insurance-net-za-header.is-condensed { box-shadow: 0 8px 24px rgba(17, 17, 17, .08); padding-bottom: .85rem; padding-top: .85rem; }
.insurance-net-za-brand img { display: block; height: auto; max-width: 190px; transition: max-width .25s ease; }
.insurance-net-za-header.is-condensed .insurance-net-za-brand img { max-width: 148px; }
.insurance-net-za-navigation { display: flex; gap: 1.75rem; }
.insurance-net-za-navigation a, .insurance-net-za-footer-links a { font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-decoration: none; text-transform: uppercase; }
.insurance-net-za-navigation a:hover, .insurance-net-za-footer-links a:hover { color: var(--insurance-blue); }
.insurance-net-za-hero, .insurance-net-za-constructed-outcome, .insurance-net-za-capabilities, .insurance-net-za-risk-improvement, .insurance-net-za-technology, .insurance-net-za-contact { padding: 7rem max(8vw, 1.5rem); }
.insurance-net-za-hero { background: var(--insurance-paper); display: grid; gap: 4rem; grid-template-columns: minmax(0, 1.5fr) minmax(230px, .5fr); min-height: 75vh; }
.insurance-net-za-hero-copy { align-self: center; max-width: 930px; }
.insurance-net-za-eyebrow { color: var(--insurance-blue); font-size: .72rem; font-weight: 700; letter-spacing: .14em; margin: 0 0 1.5rem; text-transform: uppercase; }
h1, h2, h3, p { margin-top: 0; }
h1, h2 { font-family: Georgia, 'Times New Roman', serif; font-weight: 400; letter-spacing: -.035em; line-height: 1; }
h1 { font-size: clamp(3.5rem, 8vw, 8rem); margin-bottom: 2rem; }
h2 { font-size: clamp(2.4rem, 5vw, 5.1rem); margin-bottom: 2rem; }
h3 { font-size: 1.2rem; letter-spacing: -.015em; line-height: 1.25; }
.insurance-net-za-introduction { font-size: clamp(1.05rem, 1.8vw, 1.4rem); max-width: 650px; }
.insurance-net-za-button { align-items: center; border: 1px solid var(--insurance-black); display: inline-flex; font-size: .75rem; font-weight: 700; gap: 1.2rem; letter-spacing: .1em; margin-top: 1.2rem; padding: 1rem 1.3rem; text-decoration: none; text-transform: uppercase; transition: background-color .2s ease, border-color .2s ease, color .2s ease; }
.insurance-net-za-button-primary { background: var(--insurance-blue); border-color: var(--insurance-blue); color: var(--insurance-white); cursor: pointer; }
.insurance-net-za-button-primary:hover, .insurance-net-za-button-primary:focus { background: var(--insurance-blue-dark); border-color: var(--insurance-blue-dark); }
.insurance-net-za-button:disabled { cursor: wait; opacity: .8; }
.insurance-net-za-button-spinner { animation: insurance-net-za-button-spin .8s linear infinite; border: 2px solid rgba(255, 255, 255, .4); border-radius: 50%; border-top-color: var(--insurance-white); display: inline-block; height: 1em; width: 1em; }
@keyframes insurance-net-za-button-spin { to { transform: rotate(360deg); } }
.insurance-net-za-hero-panel { background: var(--insurance-black); color: var(--insurance-white); display: flex; flex-direction: column; justify-content: space-between; min-height: 430px; padding: 2rem; }
.insurance-net-za-hero-panel p { font-size: .72rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.insurance-net-za-constructed-outcome { background: var(--insurance-blue); color: var(--insurance-white); display: grid; gap: 5rem; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); }
.insurance-net-za-constructed-outcome .insurance-net-za-eyebrow { color: var(--insurance-white); }
.insurance-net-za-constructed-outcome sup { font-size: .55em; line-height: 0; }
.insurance-net-za-constructed-outcome-mark { display: block; height: auto; margin-top: 3rem; max-width: min(100%, 380px); }
.insurance-net-za-constructed-outcome-content { align-self: end; }
.insurance-net-za-constructed-outcome-lead { font-family: Georgia, 'Times New Roman', serif; font-size: clamp(1.35rem, 2.2vw, 2rem); letter-spacing: -.02em; line-height: 1.25; max-width: 720px; }
.insurance-net-za-outcome-grid { border-left: 1px solid rgba(255, 255, 255, .45); display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 3.5rem; }
.insurance-net-za-outcome-card { border-right: 1px solid rgba(255, 255, 255, .45); padding: 0 1.3rem; position: relative; transition: background-color .2s ease, box-shadow .2s ease, transform .2s ease; }
.insurance-net-za-outcome-card:hover, .insurance-net-za-outcome-card:focus-within { background-color: rgba(255, 255, 255, .06); box-shadow: 0 16px 32px rgba(0, 0, 0, .25); transform: translateY(-4px); z-index: 1; }
.insurance-net-za-outcome-card h3 { margin-bottom: .5rem; }
.insurance-net-za-outcome-card p { color: rgba(255, 255, 255, .8); font-size: .9rem; margin-bottom: 0; }
.insurance-net-za-capabilities { background: var(--insurance-black); color: var(--insurance-white); }
.insurance-net-za-capabilities .insurance-net-za-eyebrow { color: #aebfff; }
.insurance-net-za-section-heading { max-width: 850px; }
.insurance-net-za-capability-grid { border-left: 1px solid #4a4a4a; display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 4rem; }
.insurance-net-za-capability-card { border-right: 1px solid #4a4a4a; padding: 1.75rem; position: relative; transition: background-color .2s ease, box-shadow .2s ease, transform .2s ease; }
.insurance-net-za-capability-card:hover, .insurance-net-za-capability-card:focus-within { background-color: rgba(255, 255, 255, .04); box-shadow: 0 16px 32px rgba(0, 0, 0, .45); transform: translateY(-4px); z-index: 1; }
.insurance-net-za-capability-icon { color: #aebfff; display: block; height: 28px; margin-bottom: 1.1rem; width: 28px; }
.insurance-net-za-capability-card h3 a { text-decoration: none; }
.insurance-net-za-capability-card h3 a:hover { color: #aebfff; }
.insurance-net-za-capability-card p:last-child { color: #c8c8c8; font-size: .95rem; }
.insurance-net-za-capabilities-link { border-bottom: 1px solid #aebfff; color: #aebfff; display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: .1em; margin-top: 2rem; padding-bottom: .35rem; text-decoration: none; text-transform: uppercase; }
.insurance-net-za-capabilities-link:hover { color: var(--insurance-white); }
.insurance-net-za-risk-improvement { background: var(--insurance-blue); color: var(--insurance-white); display: grid; gap: 5rem; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); }
.insurance-net-za-risk-improvement .insurance-net-za-eyebrow { color: var(--insurance-white); }
.insurance-net-za-risk-improvement-introduction { max-width: 580px; }
.insurance-net-za-risk-improvement-introduction > p:last-child { color: rgba(255, 255, 255, .82); font-size: 1.05rem; max-width: 510px; }
.insurance-net-za-risk-improvement-content { align-self: end; }
.insurance-net-za-risk-improvement-lead { font-family: Georgia, 'Times New Roman', serif; font-size: clamp(1.35rem, 2.2vw, 2rem); letter-spacing: -.02em; line-height: 1.25; margin-bottom: 3rem; max-width: 760px; }
.insurance-net-za-risk-improvement-plan { border-left: 1px solid rgba(255, 255, 255, .45); counter-reset: risk-improvement; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); list-style: none; margin: 0; padding: 0; }
.insurance-net-za-risk-improvement-plan li { border-bottom: 1px solid rgba(255, 255, 255, .45); border-right: 1px solid rgba(255, 255, 255, .45); counter-increment: risk-improvement; display: flex; flex-direction: column; gap: .75rem; min-height: 180px; padding: 1.4rem; }
.insurance-net-za-risk-improvement-plan li::before { color: #dbe4ff; content: "0" counter(risk-improvement); font-size: .72rem; font-weight: 700; letter-spacing: .14em; }
.insurance-net-za-risk-improvement-plan li:nth-last-child(-n+2) { border-bottom: 0; }
.insurance-net-za-risk-improvement-plan strong { font-size: 1.08rem; }
.insurance-net-za-risk-improvement-plan span { color: rgba(255, 255, 255, .8); font-size: .9rem; }
.insurance-net-za-risk-improvement-link { align-items: center; background: var(--insurance-white); border: 1px solid var(--insurance-white); color: var(--insurance-blue); display: inline-flex; font-size: .75rem; font-weight: 700; gap: 1.2rem; letter-spacing: .1em; margin-top: 2rem; padding: 1rem 1.3rem; text-decoration: none; text-transform: uppercase; transition: background-color .2s ease, border-color .2s ease, color .2s ease; }
.insurance-net-za-risk-improvement-link:hover { background: #dbe4ff; border-color: #dbe4ff; color: var(--insurance-blue); }
.insurance-net-za-risk-improvement-link:focus-visible { outline: 3px solid var(--insurance-white); outline-offset: 3px; }
.insurance-net-za-technology { display: grid; gap: 5rem; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); }
.insurance-net-za-technology-introduction { max-width: 560px; }
.insurance-net-za-technology-content { align-self: end; }
.insurance-net-za-technology-lead { font-family: Georgia, 'Times New Roman', serif; font-size: clamp(1.35rem, 2.2vw, 2rem); letter-spacing: -.02em; line-height: 1.25; margin-bottom: 3rem; max-width: 760px; }
.insurance-net-za-technology-grid { border-left: 1px solid var(--insurance-line); display: grid; grid-template-columns: repeat(3, 1fr); }
.insurance-net-za-technology-grid article { border-right: 1px solid var(--insurance-line); padding: 0 1.3rem; }
.insurance-net-za-technology-grid h3 { margin-bottom: .5rem; }
.insurance-net-za-technology-grid p { color: var(--insurance-muted); font-size: .92rem; margin-bottom: 0; }
.insurance-net-za-contact { background: var(--insurance-paper); display: grid; gap: 5rem; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); }
.insurance-net-za-contact-introduction { max-width: 440px; }
.insurance-net-za-contact-response, .insurance-net-za-contact-form { max-width: 780px; }
.insurance-net-za-contact-response { grid-column: 2; }
.insurance-net-za-form-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr 1fr; }
.insurance-net-za-field { display: flex; flex-direction: column; gap: .45rem; }
.insurance-net-za-field-full { grid-column: 1 / -1; }
.insurance-net-za-field label, .insurance-net-za-consent { font-size: .75rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.insurance-net-za-field input, .insurance-net-za-field select, .insurance-net-za-field textarea { background: var(--insurance-white); border: 1px solid #a7a7a2; border-radius: 0; color: var(--insurance-ink); font: inherit; padding: .8rem; width: 100%; }
.insurance-net-za-field select { min-height: 52.4px; }
.insurance-net-za-field textarea { resize: vertical; }
.insurance-net-za-field input:focus, .insurance-net-za-field select:focus, .insurance-net-za-field textarea:focus, .insurance-net-za-button:focus, .insurance-net-za-navigation a:focus, .insurance-net-za-footer a:focus { outline: 3px solid #85a0f3; outline-offset: 2px; }
.insurance-net-za-consent { align-items: flex-start; display: flex; gap: .75rem; letter-spacing: .03em; line-height: 1.5; margin-top: 1.5rem; text-transform: none; }
.insurance-net-za-consent input { accent-color: var(--insurance-blue); margin-top: .2rem; }
.insurance-net-za-consent a { color: var(--insurance-blue); }
.insurance-net-za-form-note { color: var(--insurance-muted); font-size: .78rem; margin-top: 1rem; }
.insurance-net-za-honeypot { height: 0; overflow: hidden; position: absolute; width: 0; }
.insurance-net-za-form-message { border-left: 4px solid; padding: 1.5rem 1.7rem; }
.insurance-net-za-form-message h3, .insurance-net-za-form-message p { margin-bottom: .3rem; }
.insurance-net-za-form-message-success { background: #e8f4ec; border-color: #267443; }
.insurance-net-za-form-message-error { background: #f8e9e9; border-color: #ae2020; }
.insurance-net-za-form-message-error + .insurance-net-za-contact-form { margin-top: 1.5rem; }
.insurance-net-za-button-secondary { background: transparent; border-color: var(--insurance-ink); color: var(--insurance-ink); }
.insurance-net-za-button-secondary:hover, .insurance-net-za-button-secondary:focus { background: var(--insurance-ink); border-color: var(--insurance-ink); color: var(--insurance-white); }
.insurance-net-za-footer { background: var(--insurance-black); color: var(--insurance-white); display: block; }
.insurance-net-za-footer-content { align-items: flex-start; display: grid; gap: 2rem; grid-template-columns: 1.35fr 1fr 1fr 1fr; }
.insurance-net-za-footer img { display: block; max-width: 180px; }
.insurance-net-za-footer p { color: #bcbcbc; font-size: .76rem; margin-bottom: .3rem; max-width: 460px; }
.insurance-net-za-footer-links { display: flex; flex-direction: column; gap: .7rem; }
.insurance-net-za-footer-address { color: #d5d5d5; display: grid; font-size: .78rem; font-style: normal; gap: .35rem; grid-template-columns: 1fr; }
.insurance-net-za-footer-address > * { display: block; }
.insurance-net-za-footer-contact { color: #d5d5d5; display: flex; flex-direction: column; font-size: .78rem; gap: .35rem; }
.insurance-net-za-footer strong { color: var(--insurance-white); font-size: .68rem; letter-spacing: .12em; margin-bottom: .25rem; text-transform: uppercase; }
.insurance-net-za-footer a { color: #d5d5d5; display: inline-flex; position: relative; text-decoration: none; transition: color .18s ease, transform .18s ease; width: fit-content; }
.insurance-net-za-footer a::after { background: var(--insurance-line); bottom: -.3rem; content: ""; height: 2px; left: 0; position: absolute; transform: scaleX(0); transform-origin: left center; transition: transform .2s ease; width: 100%; }
.insurance-net-za-footer a:hover { color: var(--insurance-white); transform: translateX(.35rem); }
.insurance-net-za-footer a:hover::after, .insurance-net-za-footer a:focus-visible::after { transform: scaleX(1); }
.insurance-net-za-footer a:focus-visible { color: var(--insurance-white); outline: 2px solid var(--insurance-line); outline-offset: .35rem; transform: translateX(.35rem); }
.insurance-net-za-footer-contact span { margin-top: .85rem; }
.insurance-net-za-footer-contact span strong { display: block; }
.insurance-net-za-footer-disclosure { border-top: 1px solid #3e3e3e; color: #bcbcbc; font-size: .68rem; margin: 1.75rem 0 0; max-width: none; padding-top: 1rem; }
.insurance-net-za-error { align-items: center; background: var(--insurance-paper); display: flex; min-height: 100vh; padding: 2rem; }
.insurance-net-za-error-panel { border-left: 4px solid var(--insurance-blue); max-width: 730px; padding: 2rem 2.5rem; }
.insurance-net-za-error .insurance-net-za-brand { display: block; margin-bottom: 2rem; max-width: 190px; }
.insurance-net-za-error-code { color: var(--insurance-blue); font-size: .75rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.insurance-net-za-legal { padding: 7rem max(4vw, 1.5rem); }
.insurance-net-za-legal h2 { font-size: clamp(2rem, 4vw, 3.6rem); margin-top: 4rem; }

/* ============================================== */
/* MEDIA QUERIES                                  */
/* ============================================== */

@media (max-width: 1200px) {
    .insurance-net-za-capability-grid { grid-template-columns: repeat(2, 1fr); }
    .insurance-net-za-capability-card:nth-child(-n+6) { border-bottom: 1px solid #4a4a4a; }
    .insurance-net-za-outcome-grid { grid-template-columns: 1fr; }
    .insurance-net-za-outcome-card { border-bottom: 1px solid rgba(255, 255, 255, .45); border-right: 0; padding: 1.25rem 1.3rem; }
    .insurance-net-za-outcome-card:last-child { border-bottom: 0; }
}
@media (max-width: 900px) {
    .insurance-net-za-hero, .insurance-net-za-constructed-outcome, .insurance-net-za-risk-improvement, .insurance-net-za-technology, .insurance-net-za-contact { grid-template-columns: 1fr; }
    .insurance-net-za-hero-panel { min-height: 260px; }
    .insurance-net-za-constructed-outcome-mark { margin-left: auto; margin-right: auto; }
    .insurance-net-za-contact-response { grid-column: 1; }
    .insurance-net-za-footer-content { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
    .insurance-net-za-header { align-items: flex-start; flex-direction: column; gap: 1.2rem; }
    .insurance-net-za-navigation { flex-wrap: wrap; gap: .65rem 1.1rem; }
    .insurance-net-za-navigation a { font-size: .65rem; }
    .insurance-net-za-hero, .insurance-net-za-constructed-outcome, .insurance-net-za-capabilities, .insurance-net-za-risk-improvement, .insurance-net-za-technology, .insurance-net-za-contact, .insurance-net-za-legal { padding-bottom: 4.5rem; padding-top: 4.5rem; }
    .insurance-net-za-form-grid, .insurance-net-za-capability-grid { grid-template-columns: 1fr; }
    .insurance-net-za-technology-grid { grid-template-columns: 1fr; }
    .insurance-net-za-technology-grid article { border-bottom: 1px solid var(--insurance-line); border-right: 0; padding: 1.25rem 1.3rem; }
    .insurance-net-za-technology-grid article:last-child { border-bottom: 0; }
    .insurance-net-za-risk-improvement-plan { grid-template-columns: 1fr; }
    .insurance-net-za-risk-improvement-plan li, .insurance-net-za-risk-improvement-plan li:nth-last-child(-n+2) { border-bottom: 1px solid rgba(255, 255, 255, .45); border-right: 0; min-height: 0; }
    .insurance-net-za-risk-improvement-plan li:last-child { border-bottom: 0; }
    .insurance-net-za-footer-content { grid-template-columns: 1fr; }
    .insurance-net-za-capability-card { border-bottom: 1px solid #4a4a4a; }
    .insurance-net-za-capability-card:last-child { border-bottom: 0; }
    .insurance-net-za-capability-card:nth-child(-n+6) { border-bottom: 1px solid #4a4a4a; }
}
@media (prefers-reduced-motion: reduce) {
    .insurance-net-za-reveal-ready [data-reveal] { opacity: 1; transform: none; transition: none; }
}