:root { --solution-black: #111111; --solution-ink: #252525; --solution-muted: #5e6670; --solution-line: #d4d8dc; --solution-paper: #eef1f3; --solution-white: #ffffff; --solution-blue: #1d44b8; }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { background: var(--solution-white); color: var(--solution-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); }
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(3.4rem, 8vw, 7.5rem); margin-bottom: 2rem; }
h2 { font-size: clamp(2.35rem, 5vw, 5rem); margin-bottom: 2rem; }
h3 { font-size: 1.12rem; letter-spacing: -.015em; line-height: 1.25; }
.insurance-solution-skip-link { background: var(--solution-blue); color: var(--solution-white); left: 1rem; padding: .75rem 1rem; position: fixed; top: -5rem; z-index: 20; }
.insurance-solution-skip-link:focus { top: 1rem; }
.insurance-solution-header { align-items: center; border-bottom: 1px solid var(--solution-line); background: var(--solution-white); display: flex; justify-content: space-between; padding: 1.5rem max(4vw, 1.5rem); position: sticky; top: 0; transition: padding .25s ease, box-shadow .25s ease; z-index: 15; }
.insurance-solution-header.is-condensed { box-shadow: 0 8px 24px rgba(17, 17, 17, .08); padding-bottom: .85rem; padding-top: .85rem; }
.insurance-solution-brand { align-items: center; display: inline-flex; min-height: 44px; }
.insurance-solution-brand img { display: block; height: auto; transition: width .25s ease; width: 190px; }
.insurance-solution-header.is-condensed .insurance-solution-brand img { width: 148px; }
.insurance-solution-navigation { display: flex; gap: 1.75rem; }
.insurance-solution-navigation a { align-items: center; display: inline-flex; font-size: .72rem; font-weight: 700; letter-spacing: .12em; min-height: 44px; padding: .5rem; text-decoration: none; text-transform: uppercase; }
.insurance-solution-navigation a:hover { color: var(--solution-blue); }
.insurance-solution-hero, .insurance-solution-overview, .insurance-solution-article, .insurance-solution-considerations, .insurance-solution-faq, .insurance-solution-cta { padding: 7rem max(8vw, 1.5rem); }
.insurance-solution-hero { background: var(--solution-paper); min-height: 67vh; padding-top: 9rem; }
.insurance-solution-hero-full-width { width: 100%; }
.insurance-solution-hero-full-width h1, .insurance-solution-hero-full-width .insurance-solution-introduction { max-width: none; }
.insurance-solution-eyebrow { color: var(--solution-blue); font-size: .72rem; font-weight: 700; letter-spacing: .14em; margin-bottom: 1.5rem; text-transform: uppercase; }
.insurance-solution-introduction { font-size: clamp(1.1rem, 2vw, 1.55rem); }
.insurance-solution-button { align-items: center; border: 1px solid var(--solution-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; }
.insurance-solution-button-primary { background: var(--solution-blue); border-color: var(--solution-blue); color: var(--solution-white); }
.insurance-solution-button-primary:hover { background: #16358f; border-color: #16358f; }
.insurance-solution-overview { border-bottom: 1px solid var(--solution-line); display: grid; gap: 6rem; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); }
.insurance-solution-overview > p { align-self: end; font-family: Georgia, 'Times New Roman', serif; font-size: clamp(1.35rem, 2.2vw, 2rem); letter-spacing: -.02em; line-height: 1.25; max-width: 760px; }
.insurance-solution-article { background: var(--solution-white); border-bottom: 1px solid var(--solution-line); }
.insurance-solution-article-block { border-top: 1px solid var(--solution-line); max-width: 1440px; padding: 3rem 0; }
.insurance-solution-article-block:first-child { border-top: 0; padding-top: 0; }
.insurance-solution-article-block:last-child { padding-bottom: 0; }
.insurance-solution-article-block h2 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); }
.insurance-solution-article-block p { color: var(--solution-ink); font-size: 1.02rem; }
.insurance-solution-article-list { margin: 1rem 0 1.5rem; max-width: 800px; padding-left: 1.3rem; }
.insurance-solution-article-list li { margin-bottom: .6rem; }
.insurance-solution-article-list-heading { font-weight: 700; margin-bottom: .5rem; }
.insurance-solution-article-citation { border-left: 3px solid var(--solution-blue); color: var(--solution-muted); font-size: .85rem; margin-top: 1.2rem; max-width: 800px; padding-left: 1rem; }
.insurance-solution-article-related { margin-top: 1rem; }
.insurance-solution-considerations { background: var(--solution-black); color: var(--solution-white); }
.insurance-solution-considerations .insurance-solution-eyebrow { color: #aebfff; }
.insurance-solution-card-grid { border-left: 1px solid #4a4a4a; display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 4rem; }
.insurance-solution-card { border-bottom: 1px solid #4a4a4a; border-right: 1px solid #4a4a4a; min-height: 210px; padding: 1.7rem; position: relative; transition: background-color .2s ease, box-shadow .2s ease, transform .2s ease; }
.insurance-solution-card:hover, .insurance-solution-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-solution-card-icon { color: #aebfff; display: block; height: 28px; margin-bottom: 1.1rem; width: 28px; }
.insurance-solution-card h3 a { text-decoration: none; }
.insurance-solution-card h3 a:hover { color: #aebfff; }
.insurance-solution-card p { color: #d4d4d4; font-size: .94rem; margin-bottom: 0; }
.insurance-solution-faq { background: var(--solution-paper); }
.insurance-solution-faq details { border-top: 1px solid #bfc5cb; padding: 1.2rem 0; }
.insurance-solution-faq details:last-child { border-bottom: 1px solid #bfc5cb; }
.insurance-solution-faq summary { cursor: pointer; font-size: 1.05rem; font-weight: 700; list-style-position: inside; }
.insurance-solution-faq details p { color: var(--solution-muted); margin: 1rem 1.5rem 0; }
.insurance-solution-cta { background: var(--solution-blue); color: var(--solution-white); }
.insurance-solution-cta .insurance-solution-eyebrow { color: var(--solution-white); }
.insurance-solution-cta > p:not(.insurance-solution-eyebrow) { font-size: 1.1rem; max-width: 700px; }
.insurance-solution-button-dark { background: var(--solution-black); border-color: var(--solution-black); color: var(--solution-white); }
.insurance-solution-contact { background: var(--solution-blue); color: var(--solution-white); display: grid; gap: 5rem; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); padding: 7rem max(8vw, 1.5rem); }
.insurance-solution-contact .insurance-solution-eyebrow { color: var(--solution-white); }
.insurance-solution-contact-introduction { max-width: 540px; }
.insurance-solution-contact-introduction > p:last-child { color: rgba(255, 255, 255, .82); font-size: 1.05rem; }
.insurance-solution-contact-response, .insurance-solution-contact-form { max-width: 780px; }
.insurance-solution-contact-response { grid-column: 2; }
.insurance-solution-contact-form-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr 1fr; }
.insurance-solution-contact-field { display: flex; flex-direction: column; gap: .45rem; }
.insurance-solution-contact-field-full { grid-column: 1 / -1; }
.insurance-solution-contact-field label, .insurance-solution-contact-consent { font-size: .75rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.insurance-solution-contact-field input, .insurance-solution-contact-field select, .insurance-solution-contact-field textarea { background: var(--solution-white); border: 1px solid #a7a7a2; border-radius: 0; color: var(--solution-ink); font: inherit; padding: .8rem; width: 100%; }
.insurance-solution-contact-field select { min-height: 52.4px; }
.insurance-solution-contact-field textarea { resize: vertical; }
.insurance-solution-contact-field input:focus, .insurance-solution-contact-field select:focus, .insurance-solution-contact-field textarea:focus, .insurance-solution-contact .insurance-solution-button:focus { outline: 3px solid #dbe4ff; outline-offset: 2px; }
.insurance-solution-contact-consent { align-items: flex-start; display: flex; gap: .75rem; letter-spacing: .03em; line-height: 1.5; margin-top: 1.5rem; text-transform: none; }
.insurance-solution-contact-consent input { accent-color: var(--solution-white); margin-top: .2rem; }
.insurance-solution-contact-consent a { color: var(--solution-white); }
.insurance-solution-honeypot { height: 0; overflow: hidden; position: absolute; width: 0; }
.insurance-solution-form-message { border-left: 4px solid; color: var(--solution-ink); padding: 1.5rem 1.7rem; }
.insurance-solution-form-message h3, .insurance-solution-form-message p { margin-bottom: .3rem; }
.insurance-solution-form-message-success { background: #e8f4ec; border-color: #267443; }
.insurance-solution-form-message-error { background: #f8e9e9; border-color: #ae2020; }
.insurance-solution-form-message-error + .insurance-solution-contact-form { margin-top: 1.5rem; }
.insurance-solution-contact .insurance-net-za-button-spinner { animation: insurance-solution-contact-button-spin .8s linear infinite; border: 2px solid rgba(255, 255, 255, .4); border-radius: 50%; border-top-color: var(--solution-white); display: inline-block; height: 1em; width: 1em; }
@keyframes insurance-solution-contact-button-spin { to { transform: rotate(360deg); } }
.insurance-solution-risk-improvement { background: var(--solution-paper); display: grid; gap: 5rem; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); padding: 7rem max(8vw, 1.5rem); }
.insurance-solution-risk-improvement-introduction { max-width: 560px; }
.insurance-solution-risk-improvement-content { align-self: end; }
.insurance-solution-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-solution-risk-improvement-grid { border-left: 1px solid var(--solution-line); display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.insurance-solution-risk-improvement-grid article { border-right: 1px solid var(--solution-line); padding: 0 1.3rem; }
.insurance-solution-risk-improvement-grid h3 { margin-bottom: .5rem; }
.insurance-solution-risk-improvement-grid p { color: var(--solution-muted); font-size: .92rem; margin-bottom: 0; }
.insurance-solution-risk-improvement-link { align-items: center; background: var(--solution-white); border: 1px solid var(--solution-white); color: var(--solution-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-solution-risk-improvement-link:hover { background: #dbe4ff; border-color: #dbe4ff; color: var(--solution-blue); }
.insurance-solution-risk-improvement-link:focus-visible { outline: 3px solid var(--solution-blue); outline-offset: 3px; }
.insurance-solution-footer { background: var(--solution-black); color: var(--solution-white); padding: 2.5rem max(4vw, 1.5rem) 1.5rem; }
.insurance-solution-footer-content { display: grid; gap: 1.5rem; grid-template-columns: 1fr; }
.insurance-solution-footer img { display: block; height: auto; width: 180px; }
.insurance-solution-footer address, .insurance-solution-footer-solutions { color: #d5d5d5; display: grid; font-size: .78rem; font-style: normal; gap: .35rem; }
.insurance-solution-footer strong { color: var(--solution-white); font-size: .68rem; letter-spacing: .12em; margin-bottom: .25rem; text-transform: uppercase; }
.insurance-solution-footer a { color: #d5d5d5; display: inline-flex; position: relative; text-decoration: none; transition: color .18s ease, transform .18s ease; width: fit-content; }
.insurance-solution-footer a::after { background: var(--solution-line); bottom: -.3rem; content: ""; height: 2px; left: 0; position: absolute; transform: scaleX(0); transform-origin: left center; transition: transform .2s ease; width: 100%; }
.insurance-solution-footer a:hover { color: var(--solution-white); transform: translateX(.35rem); }
.insurance-solution-footer a:hover::after, .insurance-solution-footer a:focus-visible::after { transform: scaleX(1); }
.insurance-solution-footer a:focus-visible { color: var(--solution-white); outline: 2px solid var(--solution-line); outline-offset: .35rem; transform: translateX(.35rem); }
.insurance-solution-footer-solutions { border-top: 1px solid #3e3e3e; grid-column: 1 / -1; margin-top: .5rem; padding-top: 1.5rem; }
.insurance-solution-footer-solutions-list { display: grid; gap: .75rem 1.5rem; grid-template-columns: repeat(3, minmax(0, 1fr)); list-style: none; margin: 0; padding: 0; }
.insurance-solution-footer-solutions-list li { min-width: 0; }
.insurance-solution-footer > p { border-top: 1px solid #3e3e3e; color: #bcbcbc; font-size: .68rem; margin: 1.75rem 0 0; padding-top: 1rem; }
.insurance-solution-header a:focus, .insurance-solution-button:focus { outline: 3px solid #85a0f3; outline-offset: 2px; }

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

@media (max-width: 900px) { .insurance-solution-overview, .insurance-solution-contact, .insurance-solution-risk-improvement { grid-template-columns: 1fr; } .insurance-solution-contact-response { grid-column: 1; } .insurance-solution-card-grid { grid-template-columns: 1fr; } .insurance-solution-card { border-right: 0; } .insurance-solution-footer-solutions-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .insurance-solution-header { align-items: flex-start; flex-direction: column; gap: 1.2rem; } .insurance-solution-navigation { gap: 1.1rem; } .insurance-solution-navigation a { font-size: .65rem; } .insurance-solution-hero, .insurance-solution-overview, .insurance-solution-article, .insurance-solution-considerations, .insurance-solution-faq, .insurance-solution-cta, .insurance-solution-contact, .insurance-solution-risk-improvement { padding-bottom: 4.5rem; padding-top: 4.5rem; } .insurance-solution-contact-form-grid, .insurance-solution-risk-improvement-grid { grid-template-columns: 1fr; } .insurance-solution-risk-improvement-grid article { border-bottom: 1px solid var(--solution-line); border-right: 0; padding: 1.25rem 1.3rem; } .insurance-solution-risk-improvement-grid article:last-child { border-bottom: 0; } .insurance-solution-footer-content, .insurance-solution-footer-solutions-list { grid-template-columns: 1fr; } }
@media (prefers-reduced-motion: reduce) {
    .insurance-net-za-reveal-ready [data-reveal] { opacity: 1; transform: none; transition: none; }
}