/* Rakshati Assurance — shared UI system (elevated dark skin)
   Used by surety-home.html and all internal pages. Static CSS, no build step. */

:root{
  --navy:#101829; --navy-2:#0a1220; --navy-soft:#1a2540; --navy-line:rgba(255,255,255,.08);
  --gold:#927449; --gold-soft:#b89466; --silver:#c6c1c6; --green:#4ade80; --red:#fb7185;
  --ink:#e9ebf0; --ink-mut:#8b94a8;
  --sans:'Inter',system-ui,sans-serif; --mono:'IBM Plex Mono',ui-monospace,monospace;
  --c:1200px; --r:14px; --rs:10px;
  --ease:cubic-bezier(.25,1,.5,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--navy-2);color:var(--ink);-webkit-font-smoothing:antialiased;line-height:1.5;overflow-x:clip}
a{color:inherit;text-decoration:none}
a:hover{color:var(--gold-soft)}
img,svg{display:block;max-width:100%}
.wrap{max-width:var(--c);margin:0 auto;padding:0 28px}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.ey{font-family:var(--mono);font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-soft);font-weight:600;display:inline-flex;align-items:center;gap:10px}
.ey::before{content:"";width:22px;height:1px;background:var(--gold)}
h1,h2,h3{letter-spacing:-.02em;line-height:1.05;font-weight:700}
.btn{display:inline-flex;align-items:center;gap:9px;height:48px;padding:0 22px;border-radius:var(--rs);font-size:15px;font-weight:600;cursor:pointer;border:1px solid transparent;transition:transform .15s var(--ease),background .2s,border-color .2s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:2px solid var(--gold-soft);outline-offset:3px}
.btn-gold{background:linear-gradient(180deg,var(--gold-soft),var(--gold));color:#10131b;box-shadow:inset 0 1px 0 rgba(255,255,255,.25)}
.btn-gold:hover{filter:brightness(1.06);color:#10131b}
.btn-ghost{background:rgba(255,255,255,.04);color:var(--ink);border-color:var(--navy-line)}
.btn-ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:var(--ink)}
.btn-sm{height:40px;padding:0 16px;font-size:14px}
.arr{transition:transform .2s var(--ease)}
.btn:hover .arr{transform:translateX(4px)}

/* NAV */
nav.top{position:sticky;top:0;z-index:80;background:rgba(10,18,32,.82);backdrop-filter:blur(12px);border-bottom:1px solid var(--navy-line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:72px;position:relative}
.brand{display:flex;align-items:center;gap:12px}
.brand:hover{color:inherit}
.brand img.logo{height:46px;width:auto;display:block}
/* Rakshati Assurance inline wordmark (Direction F) — live text, no image asset */
.ra-wm{display:flex;flex-direction:column;line-height:1;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
.ra-wm .ra-r{font-weight:800;font-size:23px;letter-spacing:-.02em;color:#fff}
.ra-wm .ra-a{display:flex;align-items:center;gap:9px;margin-top:6px;font-weight:600;font-size:10.5px;letter-spacing:.34em;color:#b89466}
.ra-wm .ra-a i{width:26px;height:2px;background:#927449;display:block;flex:none}
.ft .ra-wm .ra-r{font-size:22px}
.brand .mk{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--gold-soft),var(--gold));color:#10131b;display:grid;place-items:center;font-weight:700;font-size:20px;box-shadow:inset 0 1px 0 rgba(255,255,255,.3);flex-shrink:0}
.brand .wm{display:flex;flex-direction:column;line-height:1}
.brand .wm b{font-size:18px;font-weight:700;letter-spacing:-.01em}
.brand .wm i{font-style:normal;font-size:8.5px;letter-spacing:.2em;color:var(--gold-soft);margin-top:3px;font-weight:600}
.nav-links{display:flex;align-items:center;gap:26px}
.nav-links a.l{font-size:14.5px;color:var(--ink-mut);font-weight:500;transition:color .15s}
.nav-links a.l:hover,.nav-links a.l[aria-current=page]{color:var(--ink)}
.nav-cta{display:flex;align-items:center;gap:10px}
.login{font-size:14.5px;font-weight:600;padding:0 6px}
.burger{display:none;width:44px;height:44px;background:none;border:1px solid var(--navy-line);border-radius:var(--rs);cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.burger span{display:block;width:18px;height:1.5px;background:var(--ink);transition:transform .2s var(--ease)}
@media(max-width:1000px){
  .burger{display:flex}
  .nav-links{position:absolute;top:72px;left:-28px;right:-28px;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);border-top:1px solid var(--navy-line);border-bottom:1px solid var(--navy-line);padding:10px 28px 20px;display:none}
  nav.top.open .nav-links{display:flex}
  .nav-links a.l,.login{display:block;padding:14px 0;border-bottom:1px solid var(--navy-line);font-size:15.5px}
  .nav-cta{flex-direction:column;align-items:stretch;gap:12px;margin-top:14px}
  .nav-cta .btn{justify-content:center;height:46px}
}

/* TICKER */
.ticker{background:var(--navy);border-bottom:1px solid var(--navy-line);overflow:hidden;height:40px;display:flex;align-items:center}
.ticker .tag{flex-shrink:0;padding:0 16px;height:100%;display:flex;align-items:center;gap:8px;font-family:var(--mono);font-size:10px;letter-spacing:.2em;color:var(--gold-soft);font-weight:600;background:linear-gradient(90deg,var(--navy-soft),transparent);z-index:2}
@media(max-width:640px){.ticker .tag span:last-child{display:none}.ticker .tag{padding:0 12px}}
.dot{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 3px rgba(74,222,128,.18);animation:pulse 2s infinite;flex-shrink:0}
@keyframes pulse{0%,100%{box-shadow:0 0 0 0 rgba(74,222,128,.4)}50%{box-shadow:0 0 0 6px rgba(74,222,128,0)}}
.track{display:flex;gap:42px;white-space:nowrap;animation:marq 48s linear infinite;padding-left:24px}
@keyframes marq{to{transform:translateX(-50%)}}
.tk{font-family:var(--mono);font-size:12px;color:var(--ink-mut)}
.tk b{color:var(--ink);font-weight:600}.tk em{font-style:normal;color:var(--gold-soft)}
@media(prefers-reduced-motion:reduce){.track{animation:none}.dot{animation:none}}

/* HERO (home) */
.hero{position:relative;padding:84px 0 72px}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(70% 60% at 78% 20%,rgba(146,116,73,.12),transparent 60%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:40px}}
.chip{display:inline-flex;align-items:center;gap:9px;padding:7px 14px;border:1px solid rgba(146,116,73,.34);background:rgba(146,116,73,.1);border-radius:999px;font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-soft);font-weight:600}
h1.h{font-size:clamp(40px,5.4vw,62px);margin:24px 0 0;letter-spacing:-.03em}
h1.h em{font-style:normal;color:var(--gold-soft)}
.dek{font-size:18px;color:var(--silver);max-width:50ch;margin:22px 0 0;line-height:1.6}
.dek b{color:var(--ink);font-weight:600}
.cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}
@media(max-width:520px){.cta .btn{width:100%;justify-content:center}}
.ob{margin-top:36px;padding-top:24px;border-top:1px solid var(--navy-line)}
.ob .cap{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-mut);margin-bottom:14px}
.ob-row{display:flex;flex-wrap:wrap;gap:10px}
.ob-chip{height:34px;padding:0 14px;display:inline-flex;align-items:center;gap:7px;border:1px solid var(--navy-line);border-radius:999px;font-size:13px;font-weight:600;color:var(--ink);background:rgba(255,255,255,.03)}
.ob-chip svg{width:14px;height:14px;color:var(--gold-soft)}

/* PANEL card + coin */
.panel{background:linear-gradient(180deg,rgba(26,37,64,.6),rgba(16,24,41,.6));border:1px solid var(--navy-line);border-radius:18px;padding:26px;box-shadow:0 24px 60px -20px rgba(0,0,0,.6);position:relative;transform-style:preserve-3d;will-change:transform}
.coin{position:absolute;top:-26px;right:24px;width:58px;height:58px;transform-style:preserve-3d;animation:coinspin 7s linear infinite;z-index:3}
.coin .f{position:absolute;inset:0;border-radius:50%;display:grid;place-items:center;backface-visibility:hidden;background:linear-gradient(135deg,var(--gold-soft),var(--gold));color:#10131b;font-family:var(--mono);font-size:26px;font-weight:600;box-shadow:inset 0 2px 4px rgba(255,255,255,.35),0 10px 24px -8px rgba(146,116,73,.55);border:2px solid rgba(255,255,255,.25)}
.coin .f svg{width:26px;height:26px}
.coin .f.b{transform:rotateY(180deg)}
@keyframes coinspin{from{transform:rotateY(0)}to{transform:rotateY(360deg)}}
@media(prefers-reduced-motion:reduce){.coin{animation:none}}
.panel h4{font-family:var(--mono);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:600;display:flex;align-items:center;justify-content:space-between;gap:10px;flex-wrap:wrap}
.slider-row{display:flex;align-items:center;gap:14px;margin:18px 0 22px}
.slider-row label{font-size:13px;color:var(--ink-mut);white-space:nowrap}
.slider-row input{flex:1;accent-color:var(--gold);height:4px;min-width:0}
.amt{font-family:var(--mono);font-size:22px;font-weight:600;color:var(--ink)}
.cmp{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.cmp>*{min-width:0}
.cmp .c{border:1px solid var(--navy-line);border-radius:12px;padding:16px}
.cmp .c.out{border-color:rgba(146,116,73,.4);background:rgba(146,116,73,.08)}
.cmp .lab{font-family:var(--mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mut)}
.cmp .c.out .lab{color:var(--gold-soft)}
.cmp .big{font-family:var(--mono);font-size:26px;font-weight:600;margin:8px 0 2px;color:var(--ink)}
.cmp .c.out .big{color:var(--gold-soft)}
.cmp .sub{font-size:12px;color:var(--ink-mut);line-height:1.4}
.meter{height:10px;border-radius:999px;background:rgba(255,255,255,.07);overflow:hidden;margin-top:12px}
.meter i{display:block;height:100%;border-radius:999px}
.meter .lk{background:#5b647a}.meter .fr{background:linear-gradient(90deg,var(--gold-soft),var(--gold))}
.panel .note{font-size:12px;color:var(--ink-mut);margin-top:16px;line-height:1.5}

/* SECTIONS */
section.s{padding:84px 0;position:relative}
@media(max-width:640px){section.s{padding:64px 0}}
.s-head{max-width:64ch;margin-bottom:48px}
.s-head.center{margin:0 auto 48px;text-align:center}
.s-head h2{font-size:clamp(28px,3.6vw,40px);margin:14px 0 0}
.s-head h2 em{font-style:normal;color:var(--gold-soft)}
.s-head p{font-size:17px;color:var(--ink-mut);margin:14px 0 0;line-height:1.6}
.s-head p a{color:var(--gold-soft);text-decoration:underline;text-underline-offset:3px}
.s-head.center .ey{justify-content:center}.s-head.center p{margin-left:auto;margin-right:auto}

/* COMPARISON COLUMNS */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:760px){.vs{grid-template-columns:1fr}}
.vs>*{min-width:0}
.vs .col{border:1px solid var(--navy-line);border-radius:var(--r);overflow:hidden}
.vs .col.win{border-color:rgba(146,116,73,.4)}
.vs .ch{padding:20px 22px;border-bottom:1px solid var(--navy-line);display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.vs .col.win .ch{background:rgba(146,116,73,.1)}
.vs .ch .t{font-size:17px;font-weight:700}
.vs .ch .badge{margin-left:auto;font-family:var(--mono);font-size:10px;letter-spacing:.1em;text-transform:uppercase;padding:4px 9px;border-radius:999px;background:rgba(255,255,255,.06);color:var(--ink-mut)}
.vs .col.win .badge{background:var(--gold);color:#10131b;font-weight:600}
.vs ul{list-style:none;padding:8px 22px 22px}
.vs li{display:flex;gap:12px;padding:13px 0;border-bottom:1px solid var(--navy-line);font-size:14.5px;color:var(--silver)}
.vs li:last-child{border-bottom:none}
.vs li svg{width:18px;height:18px;flex-shrink:0;margin-top:1px}
.vs li .x{color:#7b8398}.vs li .ok{color:var(--green)}
.vs li b{color:var(--ink);font-weight:600}
.vs .strip{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0 22px 22px;padding-top:16px;border-top:1px dashed var(--navy-line)}
.vs .strip .lbl{font-family:var(--mono);font-size:9.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mut)}
.vs .strip .val{font-family:var(--mono);font-size:17px;font-weight:600;color:var(--ink);margin-top:4px}
.vs .col.win .strip .val{color:var(--gold-soft)}

/* CARDS + FLIP */
.bento{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:900px){.bento{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.bento{grid-template-columns:1fr}}
.bento>*{min-width:0}
.flip{perspective:1000px;min-height:240px}
.flip .fi{position:relative;width:100%;height:100%;min-height:240px;transform-style:preserve-3d;transition:transform .65s var(--ease)}
.flip:hover .fi,.flip:focus-within .fi{transform:rotateY(180deg)}
.face{position:absolute;inset:0;backface-visibility:hidden;-webkit-backface-visibility:hidden;border-radius:var(--r);border:1px solid var(--navy-line);background:rgba(255,255,255,.025);padding:24px;display:flex;flex-direction:column}
.face.back{transform:rotateY(180deg);border-color:rgba(146,116,73,.45);background:rgba(146,116,73,.08)}
.face .hint{margin-top:auto;font-family:var(--mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mut)}
.face.back ul{list-style:none;margin:14px 0 0;display:grid;gap:9px}
.face.back li{display:flex;gap:9px;font-size:13px;color:var(--silver);line-height:1.4}
.face.back li::before{content:"—";color:var(--gold-soft);flex-shrink:0}
@media(prefers-reduced-motion:reduce){.flip .fi{transition:none}.flip:hover .fi{transform:none}}
.card{background:rgba(255,255,255,.025);border:1px solid var(--navy-line);border-radius:var(--r);padding:24px;transition:transform .25s var(--ease),border-color .25s,background .25s}
.card:hover{transform:translateY(-3px);border-color:rgba(146,116,73,.4);background:rgba(146,116,73,.05)}
.card .ico{width:44px;height:44px;border-radius:var(--rs);background:rgba(146,116,73,.14);color:var(--gold-soft);display:grid;place-items:center;margin-bottom:16px}
.card .ico svg{width:22px;height:22px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:14px;color:var(--ink-mut);line-height:1.55}

/* FLOW STEPS */
.flow{display:grid;grid-template-columns:repeat(5,1fr);gap:0}
@media(max-width:820px){.flow{grid-template-columns:1fr 1fr;gap:28px 0}}
@media(max-width:480px){.flow{grid-template-columns:1fr}}
.flow>*{min-width:0}
.step{position:relative;padding:0 22px}
.step:first-child{padding-left:0}
.step .n{width:40px;height:40px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold-soft);display:grid;place-items:center;font-family:var(--mono);font-weight:600;font-size:16px;background:var(--navy-2);position:relative;z-index:2}
.step::after{content:"";position:absolute;top:20px;left:46px;right:0;height:1.5px;background:var(--navy-line)}
.step:last-child::after{display:none}
@media(max-width:820px){.step::after{display:none}.step{padding-left:0}}
.step h4{font-size:16px;margin:16px 0 6px}
.step p{font-size:13.5px;color:var(--ink-mut);line-height:1.5;max-width:24ch}

/* STATS BAND */
.band{background:var(--navy);border-top:1px solid var(--navy-line);border-bottom:1px solid var(--navy-line)}
.stats{display:grid;grid-template-columns:repeat(4,1fr)}
@media(max-width:720px){.stats{grid-template-columns:1fr 1fr}}
.stats>*{min-width:0}
.stat{padding:40px 24px;border-right:1px solid var(--navy-line)}
.stat:last-child{border-right:none}
@media(max-width:720px){.stat{padding:28px 20px;border-bottom:1px solid var(--navy-line)}.stat:nth-child(2n){border-right:none}}
.stat .v{font-family:var(--mono);font-size:clamp(30px,3.6vw,44px);font-weight:600;color:var(--ink);letter-spacing:-.02em}
.stat .v em{font-style:normal;color:var(--gold-soft)}
.stat .l{font-size:13.5px;color:var(--ink-mut);margin-top:10px;line-height:1.45}

/* INSURER PILLS */
.ins{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.ins .pill{height:56px;min-width:140px;padding:10px 18px;display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--navy-line);border-radius:10px;background:#fff;font-size:13.5px;color:#10131b;font-weight:600;transition:border-color .2s,transform .2s var(--ease)}
.ins .pill:hover{border-color:rgba(146,116,73,.5);transform:translateY(-2px)}
.ins .pill img{max-height:34px;width:auto;object-fit:contain}
@media(max-width:520px){.ins .pill{min-width:calc(50% - 6px);height:50px}}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.q{border-bottom:1px solid var(--navy-line)}
.q button{width:100%;text-align:left;background:none;border:0;color:var(--ink);cursor:pointer;padding:22px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:17px;font-weight:600;font-family:var(--sans)}
.q .plus{color:var(--gold-soft);font-size:24px;line-height:1;transition:transform .25s var(--ease);flex-shrink:0}
.q.open .plus{transform:rotate(45deg)}
.q .a{max-height:0;overflow:hidden;transition:max-height .3s var(--ease)}
.q .a p{padding:0 0 22px;color:var(--ink-mut);font-size:15px;line-height:1.6;max-width:64ch}

/* CTA + FOOTER */
.cta-band{background:linear-gradient(180deg,var(--navy),var(--navy-2));border-top:1px solid var(--navy-line);padding:80px 0}
.cta-in{display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap}
.cta-in h2{font-size:clamp(28px,3.4vw,42px);max-width:18ch}
.cta-in h2 em{font-style:normal;color:var(--gold-soft)}
.cta-in p{color:var(--silver);margin-top:12px;max-width:46ch;font-size:16px}
footer{background:var(--navy-2);border-top:1px solid var(--navy-line);padding:56px 0 28px}
.ft{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px;padding-bottom:36px}
@media(max-width:820px){.ft{grid-template-columns:1fr 1fr}}
.ft>*{min-width:0}
.ft p{color:var(--ink-mut);font-size:13.5px;margin-top:14px;max-width:32ch;line-height:1.6}
.ft .brand img.logo{height:44px}
.ft address{font-style:normal;color:var(--ink-mut);font-size:13px;line-height:1.7;margin-top:14px}
.ft address a{color:var(--silver)}
.ft h5{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-soft);margin-bottom:14px;font-weight:600}
.ft a.fl{display:block;color:var(--ink-mut);font-size:14px;padding:5px 0;transition:color .15s}
.ft a.fl:hover{color:var(--ink)}
.ftbar{border-top:1px solid var(--navy-line);padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12.5px;color:var(--ink-mut);font-family:var(--mono)}

/* ELIGIBILITY CHECKER */
.elig{display:grid;grid-template-columns:1.05fr .95fr;gap:18px;align-items:stretch}
@media(max-width:880px){.elig{grid-template-columns:1fr}}
.elig>*{min-width:0}
.elig .form{border:1px solid var(--navy-line);border-radius:var(--r);padding:26px;background:rgba(255,255,255,.02);display:grid;gap:20px}
.f-row label{display:flex;justify-content:space-between;align-items:baseline;font-size:13px;color:var(--ink-mut);margin-bottom:9px}
.f-row label b{font-family:var(--mono);color:var(--ink);font-size:15px;font-weight:600}
.f-row input[type=range]{width:100%;accent-color:var(--gold);height:4px}
.seg{display:grid;gap:5px;background:rgba(255,255,255,.04);padding:5px;border-radius:var(--rs);border:1px solid var(--navy-line)}
.seg.c2{grid-template-columns:1fr 1fr}.seg.c3{grid-template-columns:repeat(3,1fr)}
@media(max-width:420px){.seg.c3{grid-template-columns:1fr}}
.seg button{padding:10px 8px;border:0;background:transparent;color:var(--ink-mut);font-family:var(--sans);font-size:13px;font-weight:600;border-radius:7px;cursor:pointer;transition:background .15s,color .15s;min-height:40px}
.seg button.on{background:var(--gold);color:#10131b}
.f-row select{width:100%;padding:11px 13px;border-radius:var(--rs);background:var(--navy-soft);border:1px solid var(--navy-line);color:var(--ink);font-family:var(--sans);font-size:14px}
.verdict{border:1px solid rgba(146,116,73,.4);border-radius:var(--r);background:rgba(146,116,73,.06);padding:26px;display:flex;flex-direction:column}
.verdict .vh{font-family:var(--mono);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:600}
.verdict .vt{font-size:24px;font-weight:700;margin:12px 0 4px;letter-spacing:-.02em}
.verdict .vs2{font-size:13.5px;color:var(--ink-mut);line-height:1.5}
.crits{margin-top:18px;display:grid;gap:9px}
.crit{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;color:var(--silver);padding:10px 12px;border:1px solid var(--navy-line);border-radius:10px;background:rgba(255,255,255,.02)}
.crit svg{width:16px;height:16px;flex-shrink:0;margin-top:2px}
.crit.ok svg{color:var(--green)}.crit.no svg{color:var(--red)}.crit.warn svg{color:var(--gold-soft)}
.crit b{color:var(--ink)}
.verdict .note2{margin-top:auto;padding-top:16px;font-size:11.5px;color:var(--ink-mut);line-height:1.5}

/* DOC CHECKLIST */
.docs{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:40px}
@media(max-width:880px){.docs{grid-template-columns:1fr 1fr}}
.docs>*{min-width:0}
.doc{border:1px solid var(--navy-line);border-radius:12px;padding:18px;background:rgba(255,255,255,.02);font-size:13px;color:var(--silver);line-height:1.45}
.doc svg{width:18px;height:18px;color:var(--gold-soft);margin-bottom:10px}
.doc b{display:block;color:var(--ink);font-size:13.5px;margin-bottom:3px}

/* ============ INTERNAL-PAGE COMPONENTS ============ */

/* Page hero (interior pages) */
.phero{position:relative;padding:64px 0 56px;border-bottom:1px solid var(--navy-line)}
.phero::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 70% at 82% 10%,rgba(146,116,73,.12),transparent 62%);pointer-events:none}
.phero .in{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
@media(max-width:960px){.phero .in{grid-template-columns:1fr;gap:36px}}
.phero .in>*{min-width:0}
.phero h1{font-size:clamp(34px,4.6vw,54px);margin:20px 0 0;letter-spacing:-.03em}
.phero h1 em{font-style:normal;color:var(--gold-soft)}
.phero .dek{font-size:17.5px}
.phero.solo .in{grid-template-columns:1fr}
.phero.solo .dek{max-width:62ch}
.crumb{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mut);margin-bottom:20px;display:flex;gap:9px;flex-wrap:wrap}
.crumb a{color:var(--gold-soft)}

/* Generic grids */
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:900px){.g4{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.g4{grid-template-columns:1fr}}
.g4>*{min-width:0}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.g2>*,.g3>*{min-width:0}
@media(max-width:880px){.g3{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.g2{grid-template-columns:1fr}}
@media(max-width:560px){.g3{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.split.rev{grid-template-columns:.85fr 1.15fr}
.split>*{min-width:0}
@media(max-width:900px){.split,.split.rev{grid-template-columns:1fr;gap:32px}}

/* KPI cell */
.kpi{border:1px solid var(--navy-line);border-radius:12px;padding:22px;background:rgba(255,255,255,.02)}
.kpi .lbl{font-family:var(--mono);font-size:9.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:600}
.kpi .val{font-family:var(--mono);font-variant-numeric:tabular-nums;font-size:30px;font-weight:600;color:var(--ink);margin-top:10px;letter-spacing:-.02em;line-height:1.05}
.kpi .sub{font-size:12.5px;color:var(--ink-mut);margin-top:8px}

/* Numbered value card */
.ncard{border:1px solid var(--navy-line);border-radius:var(--r);padding:26px;background:rgba(255,255,255,.025);transition:border-color .25s,background .25s,transform .25s var(--ease)}
.ncard:hover{border-color:rgba(146,116,73,.4);background:rgba(146,116,73,.05);transform:translateY(-3px)}
.ncard .n{font-family:var(--mono);font-size:12px;letter-spacing:.16em;color:var(--gold-soft);font-weight:600}
.ncard h3{font-size:18px;margin:14px 0 10px}
.ncard p{font-size:14px;color:var(--ink-mut);line-height:1.6}

/* Prose columns */
.prose h3{font-size:24px;margin-bottom:14px}
.prose h3 em{font-style:normal;color:var(--gold-soft)}
.prose p{font-size:15px;color:var(--silver);line-height:1.7;margin-bottom:14px}
.prose p:last-child{margin-bottom:0}
.prose p b,.prose p strong{color:var(--ink);font-weight:600}
.ticks{list-style:none;display:grid;gap:12px;margin-top:8px}
.ticks li{display:flex;gap:12px;font-size:14.5px;color:var(--silver);line-height:1.6}
.ticks li svg{width:18px;height:18px;color:var(--green);flex-shrink:0;margin-top:3px}
.ticks li b{color:var(--ink);font-weight:600}
.dashes{list-style:none;display:grid;gap:10px}
.dashes li{display:flex;gap:10px;font-size:14px;color:var(--silver);line-height:1.55}
.dashes li::before{content:"—";color:var(--gold-soft);flex-shrink:0}
.dashes li b{color:var(--ink);font-weight:600}

/* Lane card (insurers) */
.lane{border:1px solid var(--navy-line);border-radius:var(--r);padding:30px;background:rgba(255,255,255,.025);display:flex;flex-direction:column}
.lane .tag{font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-soft);font-weight:600;margin-bottom:16px}
.lane h3{font-size:22px;margin-bottom:12px}
.lane>p{font-size:14.5px;color:var(--ink-mut);line-height:1.65;margin-bottom:20px}
.lane .dashes{margin-bottom:22px}
.lane .foot{margin-top:auto}
.code{background:#070d17;border:1px solid var(--navy-line);border-radius:var(--rs);padding:16px 18px;font-family:var(--mono);font-size:12px;line-height:1.7;color:var(--silver);white-space:pre;overflow-x:auto}
.code .c{color:var(--ink-mut)}.code .s{color:var(--gold-soft)}

/* Scorecard */
.sc{border:1px solid var(--navy-line);border-radius:var(--r);padding:28px;background:linear-gradient(180deg,rgba(26,37,64,.55),rgba(16,24,41,.55))}
.sc-hd{display:flex;justify-content:space-between;align-items:flex-start;gap:18px;padding-bottom:20px;border-bottom:1px solid var(--navy-line);flex-wrap:wrap}
.sc-hd h4{font-size:17px;font-weight:700;margin-bottom:5px}
.sc-hd .meta{font-family:var(--mono);font-size:11px;color:var(--ink-mut);letter-spacing:.06em}
.sc-hd .grade{width:56px;height:56px;border-radius:12px;background:linear-gradient(135deg,var(--gold-soft),var(--gold));color:#10131b;display:grid;place-items:center;font-family:var(--mono);font-size:26px;font-weight:600;flex-shrink:0}
.sc-hd .rank{text-align:right}
.sc-hd .rank .pos{font-family:var(--mono);font-size:28px;font-weight:600;color:var(--gold-soft);line-height:1}
.sc-hd .rank .lbl{font-family:var(--mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mut);margin-top:6px}
.sc-rows{display:grid;gap:14px;padding:20px 0}
.sc-row{display:grid;grid-template-columns:1fr 100px 56px;gap:14px;align-items:center;font-size:13.5px;color:var(--silver)}
@media(max-width:520px){.sc-row{grid-template-columns:1fr 56px}.sc-row .bar{grid-column:1/-1;order:3}}
.sc-row .bar{height:6px;border-radius:999px;background:rgba(255,255,255,.07);overflow:hidden}
.sc-row .bar i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--gold-soft),var(--gold))}
.sc-row .val{font-family:var(--mono);font-variant-numeric:tabular-nums;font-size:13px;color:var(--ink);text-align:right;font-weight:600}
.sc-ft{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding-top:18px;border-top:1px dashed var(--navy-line);font-size:13px;color:var(--ink-mut);flex-wrap:wrap}
.sc-ft b{color:var(--ink);font-family:var(--mono)}
.sc-ft .rate{font-family:var(--mono);color:var(--gold-soft);font-weight:600}

/* Table */
.tbl{width:100%;border-collapse:collapse;border:1px solid var(--navy-line);border-radius:var(--r);overflow:hidden}
.tbl th,.tbl td{padding:16px 20px;text-align:left;font-size:14px;border-bottom:1px solid var(--navy-line)}
.tbl th{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:600;background:rgba(146,116,73,.08)}
.tbl td{color:var(--silver)}
.tbl td.n{font-family:var(--mono);font-variant-numeric:tabular-nums;color:var(--ink)}
.tbl td.you{font-family:var(--mono);color:var(--green);font-weight:600}
.tbl tr:last-child td{border-bottom:none}
.tbl tbody tr:hover td{background:rgba(146,116,73,.05)}
@media(max-width:640px){
  .tbl thead{display:none}
  .tbl,.tbl tbody,.tbl tr,.tbl td{display:block;width:100%}
  .tbl tr{border-bottom:1px solid var(--navy-line);padding:6px 0}
  .tbl tr:last-child{border-bottom:none}
  .tbl td{border:none;padding:8px 18px;display:flex;justify-content:space-between;gap:16px}
  .tbl td::before{content:attr(data-l);font-family:var(--mono);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft)}
}
.fine{margin-top:22px;font-family:var(--mono);font-size:12px;color:var(--ink-mut);line-height:1.65;max-width:78ch;letter-spacing:.02em}

/* Pull quote */
.pull{border:1px solid rgba(146,116,73,.34);background:rgba(146,116,73,.06);border-radius:var(--r);padding:44px}
@media(max-width:640px){.pull{padding:28px}}
.pull blockquote{font-size:clamp(20px,2.6vw,30px);line-height:1.35;letter-spacing:-.02em;font-weight:600;color:var(--ink)}
.pull blockquote em{font-style:normal;color:var(--gold-soft)}
.pull .by{display:flex;align-items:center;gap:14px;margin-top:28px;padding-top:22px;border-top:1px solid var(--navy-line)}
.pull .av{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--gold-soft),var(--gold));color:#10131b;display:grid;place-items:center;font-family:var(--mono);font-size:19px;font-weight:600;flex-shrink:0}
.pull .who{font-size:14.5px;font-weight:600}
.pull .role{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mut);margin-top:4px}

/* Timeline */
.tl{list-style:none;display:grid;gap:0}
.tl li{display:grid;grid-template-columns:96px 24px 1fr;gap:0;align-items:start;position:relative;padding-bottom:34px}
@media(max-width:560px){.tl li{grid-template-columns:64px 24px 1fr}}
.tl .when{font-family:var(--mono);font-size:12.5px;letter-spacing:.1em;color:var(--gold-soft);font-weight:600;padding-top:2px}
.tl .mk{position:relative;display:flex;justify-content:center}
.tl .mk::before{content:"";width:11px;height:11px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(146,116,73,.18);margin-top:4px}
.tl li:not(:last-child) .mk::after{content:"";position:absolute;top:18px;bottom:-34px;width:1px;background:var(--navy-line)}
.tl .body{padding-left:16px}
.tl .body h4{font-size:17px;font-weight:600;margin-bottom:7px}
.tl .body p{font-size:14px;color:var(--ink-mut);line-height:1.6;max-width:62ch}

/* Mini step strip */
.strip6{display:grid;grid-template-columns:repeat(6,1fr);gap:10px}
@media(max-width:760px){.strip6{grid-template-columns:repeat(3,1fr)}}
@media(max-width:420px){.strip6{grid-template-columns:repeat(2,1fr)}}
.strip6>*{min-width:0}
.st6{border:1px solid var(--navy-line);border-radius:12px;padding:18px 14px;text-align:center;background:rgba(255,255,255,.02)}
.st6.done{background:rgba(146,116,73,.12);border-color:rgba(146,116,73,.4)}
.st6 .n{font-family:var(--mono);font-size:20px;font-weight:600;color:var(--gold-soft)}
.st6 .t{font-size:12.5px;font-weight:600;margin-top:8px;color:var(--ink)}
.st6 .h{font-family:var(--mono);font-size:10.5px;color:var(--ink-mut);margin-top:5px}

/* Person + info block */
.person{display:flex;gap:26px;align-items:center;flex-wrap:wrap;border:1px solid var(--navy-line);border-radius:var(--r);padding:28px;background:rgba(255,255,255,.025)}
.person .pic{width:104px;height:104px;border-radius:50%;object-fit:cover;flex-shrink:0;background:var(--navy-soft)}
.person .mono-av{width:104px;height:104px;border-radius:50%;background:linear-gradient(135deg,var(--gold-soft),var(--gold));display:grid;place-items:center;color:#10131b;font-family:var(--mono);font-weight:600;font-size:28px;flex-shrink:0}
.person .txt{flex:1;min-width:240px}
.person h3{font-size:21px;margin-bottom:5px}
.person .role{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:12px}
.person p{font-size:14.5px;color:var(--silver);line-height:1.65;margin-bottom:14px}
.person a.more{font-size:13.5px;font-weight:600;color:var(--gold-soft);border-bottom:1px solid var(--gold);padding-bottom:2px}
.infoblk{display:grid;grid-template-columns:1fr 1fr;gap:26px;border:1px solid rgba(146,116,73,.3);border-radius:var(--r);padding:28px;background:rgba(146,116,73,.05)}
@media(max-width:620px){.infoblk{grid-template-columns:1fr}}
.infoblk .lbl{font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-soft);font-weight:600;margin-bottom:9px}
.infoblk p{font-size:13.5px;line-height:1.7;color:var(--silver)}
.infoblk a{color:var(--gold-soft)}

/* FORMS (get-started / login) */
.fcard{border:1px solid var(--navy-line);border-radius:var(--r);background:rgba(255,255,255,.025);padding:32px}
@media(max-width:560px){.fcard{padding:22px}}
.fstep{display:flex;align-items:center;gap:12px;margin:0 0 20px;flex-wrap:wrap}
.fstep .pill{font-family:var(--mono);font-size:10px;letter-spacing:.16em;text-transform:uppercase;padding:5px 11px;border-radius:999px;background:rgba(146,116,73,.14);border:1px solid rgba(146,116,73,.34);color:var(--gold-soft);font-weight:600}
.fstep .lbl{font-size:14px;font-weight:600;color:var(--ink)}
.frow{margin-bottom:18px}
.frow>label{display:flex;align-items:baseline;gap:9px;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:8px;flex-wrap:wrap}
.frow .req{font-family:var(--mono);font-size:9.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft);font-weight:600}
.frow .help{font-family:var(--mono);font-size:9.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mut);font-weight:500}
.frow input[type=text],.frow input[type=email],.frow input[type=tel],.frow input[type=number],.frow input[type=password],.frow select,.frow textarea{width:100%;padding:12px 14px;border-radius:var(--rs);background:var(--navy-soft);border:1px solid var(--navy-line);color:var(--ink);font-family:var(--sans);font-size:14.5px;min-height:46px;transition:border-color .15s}
.frow textarea{min-height:104px;resize:vertical;line-height:1.6}
.frow input:focus,.frow select:focus,.frow textarea:focus{outline:none;border-color:rgba(146,116,73,.6)}
.frow input::placeholder,.frow textarea::placeholder{color:#5f6a80}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.f2>*{min-width:0}
@media(max-width:620px){.f2{grid-template-columns:1fr;gap:0}}
.pre{position:relative}
.pre::before{content:"₹";position:absolute;left:14px;top:50%;transform:translateY(-50%);font-family:var(--mono);color:var(--gold-soft);font-size:14.5px;pointer-events:none}
.pre input{padding-left:32px!important}
.segp{display:flex;gap:6px;background:rgba(255,255,255,.04);padding:5px;border-radius:var(--rs);border:1px solid var(--navy-line);flex-wrap:wrap}
.segp button{flex:1;min-width:110px;min-height:42px;padding:10px 12px;border:0;background:transparent;color:var(--ink-mut);font-family:var(--sans);font-size:13.5px;font-weight:600;border-radius:7px;cursor:pointer;transition:background .15s,color .15s}
.segp button.on{background:var(--gold);color:#10131b}
.check{display:flex;gap:11px;align-items:flex-start;cursor:pointer;font-size:12.5px;color:var(--ink-mut);line-height:1.55;font-weight:400}
.check input{margin-top:3px;accent-color:var(--gold);width:16px;height:16px;flex-shrink:0}
.quotebox{border:1px solid rgba(146,116,73,.4);background:rgba(146,116,73,.08);border-radius:var(--r);padding:20px 22px;display:flex;align-items:center;gap:22px;margin:6px 0 22px;flex-wrap:wrap}
.quotebox .rate{font-family:var(--mono);font-size:30px;font-weight:600;color:var(--gold-soft);letter-spacing:-.02em}
.quotebox .ctx{font-size:12.5px;color:var(--ink-mut);line-height:1.6}
.quotebox .ctx b{color:var(--ink)}
.callout{border:1px solid rgba(146,116,73,.34);background:rgba(146,116,73,.06);border-radius:var(--r);padding:22px;margin-bottom:20px}
.callout .hd{margin-bottom:18px}
.callout .hd .t{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft);font-weight:600}
.callout .hd .s{font-size:13px;color:var(--ink-mut);margin-top:6px}
.saves{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px;padding-top:18px;border-top:1px dashed var(--navy-line)}
@media(max-width:560px){.saves{grid-template-columns:1fr}}
.saves>*{min-width:0}
.saves .lbl{font-family:var(--mono);font-size:9.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mut)}
.saves .val{font-family:var(--mono);font-variant-numeric:tabular-nums;font-size:20px;font-weight:600;color:var(--ink);margin-top:6px}
.saves .val.gold{color:var(--gold-soft)}
.saves .val.strike{text-decoration:line-through;text-decoration-color:rgba(251,113,133,.6);color:var(--ink-mut)}
.callout .note{font-size:11.5px;color:var(--ink-mut);line-height:1.6;margin-top:16px}
.submit{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-top:26px;padding-top:24px;border-top:1px solid var(--navy-line)}
.submit .privacy{font-size:11.5px;color:var(--ink-mut);line-height:1.6;max-width:46ch}
.submit .privacy a{color:var(--gold-soft);text-decoration:underline;text-underline-offset:2px}
.success{display:none;text-align:center;padding:20px 0}
.success .seal{width:64px;height:64px;border-radius:50%;background:rgba(74,222,128,.14);border:1px solid rgba(74,222,128,.4);color:var(--green);display:grid;place-items:center;font-size:30px;margin:0 auto 22px}
.success h2{font-size:clamp(24px,3vw,34px);margin-bottom:14px}
.success h2 em{font-style:normal;color:var(--gold-soft)}
.success>p{font-size:15px;color:var(--silver);line-height:1.7;max-width:62ch;margin:0 auto}
.success>p b{color:var(--gold-soft);font-family:var(--mono)}
.next{text-align:left;border:1px solid var(--navy-line);border-radius:var(--r);padding:24px;margin-top:28px;background:rgba(255,255,255,.02)}
.next h4{font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-soft);font-weight:600;margin-bottom:16px}
.next ol{padding-left:20px;display:grid;gap:10px}
.next li{font-size:14px;color:var(--silver);line-height:1.6}
.side{display:grid;gap:16px;align-content:start}
.side-card{border:1px solid var(--navy-line);border-radius:var(--r);padding:26px;background:rgba(255,255,255,.025)}
.side-card.gold{border-color:rgba(146,116,73,.36);background:rgba(146,116,73,.07)}
.side-card h3{font-size:20px;margin:12px 0 10px}
.side-card h3 em{font-style:normal;color:var(--gold-soft)}
.side-card p{font-size:14px;color:var(--ink-mut);line-height:1.65}
.side-card .big{font-family:var(--mono);font-size:17px;font-weight:600;color:var(--gold-soft);margin-top:14px}
.side-card .rows{display:grid;gap:0;margin-top:6px}
.side-card .rows div{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px dashed var(--navy-line);font-size:13.5px;color:var(--ink-mut)}
.side-card .rows div:last-child{border-bottom:none}
.side-card .rows b{color:var(--ink);font-family:var(--mono);font-weight:600}
.form-grid{display:grid;grid-template-columns:1.55fr .95fr;gap:22px;align-items:start}
@media(max-width:960px){.form-grid{grid-template-columns:1fr}}
.form-grid>*{min-width:0}

/* Login */
.login-wrap{min-height:calc(100vh - 112px);display:grid;place-items:center;padding:56px 0}
.login-card{width:100%;max-width:420px;border:1px solid var(--navy-line);border-radius:18px;padding:34px;background:linear-gradient(180deg,rgba(26,37,64,.6),rgba(16,24,41,.6));box-shadow:0 24px 60px -20px rgba(0,0,0,.6)}
.login-card h1{font-size:27px;margin:16px 0 8px}
.login-card h1 em{font-style:normal;color:var(--gold-soft)}
.login-card>p{font-size:14px;color:var(--ink-mut);line-height:1.6;margin-bottom:26px}
.login-alt{margin-top:22px;padding-top:20px;border-top:1px solid var(--navy-line);font-size:13.5px;color:var(--ink-mut);text-align:center;line-height:1.7}
.login-alt a{color:var(--gold-soft);font-weight:600}

.reveal{opacity:1;transform:none}
@media print{nav.top,.ticker,.cta,.cta-band{display:none}body{background:#fff;color:#000}}