/* Visa Health Insurance Experts: identity v1.0 (8 Oct 2026).
   Original design system. First-party only: system fonts, inline SVG and /assets files; no third-party requests. */

:root {
  --navy: #102A43;        /* authority, headings */
  --teal: #006D73;        /* primary actions */
  --teal-2: #15959B;      /* highlights, active states (not for small text) */
  --coral: #E87557;       /* small human accent only */
  --coral-ink: #A8432A;   /* coral for text (AA on ivory/white) */
  --gold: #E9B44C;        /* sparing route/highlight accent */
  --ivory: #FAF7F1;       /* principal warm background */
  --aqua: #E8F4F3;        /* information panels */
  --mist: #EEF3F6;        /* tables, secondary areas */
  --ink: #172B3A;         /* body copy */
  --muted: #4A5D6D;       /* secondary text (AA on ivory, white, aqua, mist) */
  --line: #D3DEE5;
  --white: #FFFFFF;
  --error: #B3261E;
  --focus: #102A43;
  --r-nlv: #102A43;   --r-nlv-2: #E9B44C;   --r-nlv-t: #FBF1DC;
  --r-dnv: #006D73;   --r-dnv-2: #15959B;   --r-dnv-t: #E8F4F3;
  --r-student: #A8432A; --r-student-2: #E87557; --r-student-t: #FCEBE5;
  --r-family: #7A4A78; --r-family-2: #C98BB9; --r-family-t: #F5E9F2;
  --r-eu: #2E6E52;    --r-eu-2: #3FA37C;    --r-eu-t: #E4F2EB;
  --r-work: #3F5466;  --r-work-2: #7C93A8;  --r-work-t: #E9EEF2;
  --r-renewal: #102A43; --r-renewal-2: #15959B; --r-renewal-t: #EEF3F6;
  --font-head: "Avenir Next", "Avenir", "Segoe UI Variable Display", "Segoe UI", "Helvetica Neue", Arial, system-ui, sans-serif;
  --font-body: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --radius: 14px; --radius-sm: 10px; --radius-lg: 18px;
  --shadow: 0 1px 2px rgba(16, 42, 67, .06), 0 6px 18px rgba(16, 42, 67, .06);
  --s1: 8px; --s2: 16px; --s3: 24px; --s4: 32px; --s5: 40px; --s6: 48px; --s7: 56px; --s8: 64px;
  --max: 1200px; --article: 760px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 96px; }
body { margin: 0; font: 400 16px/1.65 var(--font-body); color: var(--ink); background: var(--ivory); overflow-x: hidden; }
@media (min-width: 700px) { body { font-size: 17px; } }
@media (min-width: 1024px) { body { font-size: 18px; } }
img, svg { max-width: 100%; }
a { color: var(--teal); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--navy); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 4px; }
.band-navy :focus-visible, .site-footer :focus-visible, .trust-strip :focus-visible, .cta-block :focus-visible { outline-color: var(--gold); }
p, ul, ol { margin: 0 0 var(--s2); }
strong { color: var(--navy); font-weight: 700; }
code { font-family: inherit; font-weight: 700; color: var(--navy); background: var(--mist); padding: 0 .3em; border-radius: 4px; }

h1, h2, h3 { font-family: var(--font-head); color: var(--navy); line-height: 1.15; letter-spacing: -.01em; text-wrap: balance; }
h1 { font-size: clamp(1.8rem, 1.3rem + 2.1vw, 2.9rem); font-weight: 700; line-height: 1.12; margin: 0 0 var(--s3); max-width: 24ch; }
h2 { font-size: clamp(1.4rem, 1.15rem + 1.05vw, 1.95rem); font-weight: 700; margin: 0 0 var(--s2); }
h3 { font-size: 1.22rem; font-weight: 700; margin: var(--s3) 0 var(--s1); }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--s2); }
@media (min-width: 700px) { .wrap { padding: 0 var(--s3); } }
.wrap-article { max-width: calc(860px + 2 * var(--s3)); }
.skip { position: absolute; left: -9999px; top: 8px; z-index: 50; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: var(--radius-sm); }
.skip:focus { left: 8px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.ic { width: 24px; height: 24px; flex: none; }
.ic-sm { width: 18px; height: 18px; }

/* ---------------------------------------------------------------- brand (VHIE A1, approved 23 Oct 2026) */
.brand { display: inline-flex; align-items: center; text-decoration: none; color: var(--navy); border-radius: 8px; }
.brand:hover { color: var(--navy); }
.logo { display: block; line-height: 0; }
.logo-img { display: block; width: 300px; height: auto; max-width: none; }
.logo-reverse { width: 260px; }

/* ---------------------------------------------------------------- buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 700 1rem/1.2 var(--font-body);
  padding: 12px 20px; border-radius: 12px; border: 2px solid transparent; text-decoration: none; cursor: pointer; }
.btn::first-letter { text-transform: uppercase; }
.btn-lg { padding: 15px 24px; font-size: 1.04rem; }
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--navy); color: #fff; }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--navy); }
.btn-secondary:hover { background: var(--navy); color: #fff; }
.btn-text { padding: 0; border: 0; background: none; color: var(--teal); text-decoration: underline; }

/* ---------------------------------------------------------------- header + mega-menu */
.site-header { position: sticky; top: 0; z-index: 30; background: #FFFFFF; border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; gap: var(--s3); min-height: 84px; }
.header-inner > .brand { margin-right: auto; }
.primary-nav ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.primary-nav a, .mega > summary { display: inline-flex; align-items: center; gap: 4px; padding: 10px 12px; border-radius: 10px;
  color: var(--navy); font-weight: 600; font-size: .95rem; text-decoration: none; cursor: pointer; }
.primary-nav a:hover, .mega > summary:hover, .mega[open] > summary { background: var(--aqua); color: var(--navy); }
.primary-nav a[aria-current="page"] { color: var(--teal); box-shadow: inset 0 -3px 0 var(--teal-2); border-radius: 10px 10px 0 0; }
summary { list-style: none; }
summary::-webkit-details-marker { display: none; }
.has-mega { position: relative; }
.mega[open] > summary .ic { transform: rotate(180deg); }
.mega-panel { position: absolute; left: 0; top: calc(100% + 10px); width: min(620px, 92vw); background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: var(--s3); }
.primary-nav .mega-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.primary-nav .mega-link { display: flex; gap: 12px; padding: 10px 12px; border: 1px solid var(--line); border-radius: 12px; }
.primary-nav .mega-link:hover { border-color: var(--teal-2); background: #fff; }
.primary-nav .mega-all { display: inline-flex; align-items: center; gap: 6px; margin-top: var(--s2); padding: 4px 0; font-weight: 700; color: var(--teal); }
.header-actions { display: flex; align-items: center; gap: var(--s1); }
.mobile-menu { display: none; }
.mobile-menu > summary { display: inline-flex; align-items: center; gap: 6px; padding: 10px; border: 1px solid var(--line); border-radius: 12px;
  color: var(--navy); font-weight: 700; cursor: pointer; background: #fff; }
.mobile-menu .ic-close, .mobile-menu[open] .ic-open { display: none; }
.mobile-menu[open] .ic-close { display: inline; }
.mobile-panel { position: fixed; left: 0; right: 0; top: 84px; bottom: 0; overflow-y: auto; background: #fff; border-top: 1px solid var(--line);
  padding: var(--s3) var(--s2) var(--s6); }
.mobile-panel ul { list-style: none; margin: 0 0 var(--s3); padding: 0; }
.mobile-panel li a { display: block; padding: 14px 4px; border-bottom: 1px solid var(--line); color: var(--navy); font-weight: 600; text-decoration: none; font-size: 1.05rem; }
.mm-head { font-size: .85rem; font-weight: 700; color: var(--muted); margin: 0 0 var(--s1); }
.mm-routes { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
@media (max-width: 359px) { .mm-routes { grid-template-columns: minmax(0, 1fr); } }   /* 320 px: two columns cannot fit "reunification" */
.mobile-panel .mm-routes li a { display: flex; align-items: center; gap: 10px; border: 1px solid var(--line); border-radius: 12px; padding: 10px; font-size: .98rem; }
@media (max-width: 1200px) {
  .primary-nav { display: none; }
  .mobile-menu { display: block; }
}
/* Mobile (owner review 23 Oct 2026): one row, the full-name logo as large as the row allows and the menu on the right.
   No header quote bar; quote access is in the menu (.mm-quote) and the page CTAs. The logo width is fluid
   (--logo-w) and the header height follows it, so the menu panel opens exactly below the header. */
.mm-quote { display: none; }
@media (max-width: 700px) {
  .site-header { --logo-w: clamp(225px, calc(100vw - 92px), 300px); }   /* 16 px gutters + 48 px menu + 12 px gap */
  .header-inner { min-height: 0; gap: 12px; padding-top: 8px; padding-bottom: 8px; }
  .header-cta { display: none; }
  .site-header .logo-img { width: var(--logo-w); }
  .site-footer .logo-img { width: 225px; }
  .mobile-menu > summary { min-width: 48px; min-height: 48px; justify-content: center; }
  .mobile-panel { top: calc(var(--logo-w) * 48 / 225 + 16px); }
  .mm-quote { display: block; margin: 0 0 var(--s3); }
  .mm-quote .btn { width: 100%; min-height: 48px; }
  .mm-label { display: none; }
}
@media (max-width: 360px) {
  .site-header { --logo-w: calc(100vw - 76px); }   /* 12 px gutters + 44 px menu + 8 px gap */
  .header-inner { padding-left: 12px; padding-right: 12px; gap: 8px; }
  .mobile-menu > summary { min-width: 44px; min-height: 44px; padding: 8px; }
}

/* ---------------------------------------------------------------- breadcrumb, hero, route chip */
.breadcrumb ol { display: flex; flex-wrap: wrap; list-style: none; margin: 0 0 var(--s2); padding: 0; font-size: .88rem; color: var(--muted); }
.breadcrumb li + li::before { content: "/"; margin: 0 .5rem; color: #6F8496; }
.breadcrumb a { color: var(--muted); }
.page-hero { position: relative; background: var(--aqua); padding: var(--s5) 0 var(--s6); border-bottom: 1px solid var(--line); }
.page-hero::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: var(--teal-2); }
.page-hero .lead { font-size: 1.15em; color: var(--ink); max-width: 64ch; margin: 0; }
.hero-grid { display: grid; gap: var(--s4); align-items: center; }
.hero-home { background: var(--ivory); padding: var(--s6) 0 var(--s7); }
.hero-home::before { background: linear-gradient(90deg, var(--teal) 0 40%, var(--teal-2) 40% 70%, var(--gold) 70% 88%, var(--coral) 88%); }
.hero-home h1 { font-size: clamp(2rem, 1.35rem + 2.8vw, 3.3rem); }
@media (min-width: 960px) { .hero-home .hero-grid, .hero-404 .hero-grid { grid-template-columns: 7fr 5fr; } }
.hero-visual { display: flex; justify-content: center; }
.hero-art, .lost-art { width: 100%; max-width: 480px; height: auto; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; margin: var(--s4) 0 0; }
.hero-actions .sep { color: var(--muted); font-size: .95rem; }
.hero-actions .sep:last-child { display: none; }
.route-chip { display: inline-flex; align-items: center; gap: 8px; margin: 0 0 var(--s2); padding: 4px 14px 4px 4px; border-radius: 999px;
  font-weight: 700; font-size: .92rem; background: #fff; color: var(--rc, var(--navy)); border: 1px solid var(--rc2, var(--line)); }
.route-ic { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--rt, var(--mist)); color: var(--rc, var(--navy)); flex: none; }
.route-ic .ic { width: 20px; height: 20px; }
.route-nlv { --rc: var(--r-nlv); --rc2: var(--r-nlv-2); --rt: var(--r-nlv-t); }
.route-dnv { --rc: var(--r-dnv); --rc2: var(--r-dnv-2); --rt: var(--r-dnv-t); }
.route-student { --rc: var(--r-student); --rc2: var(--r-student-2); --rt: var(--r-student-t); }
.route-family { --rc: var(--r-family); --rc2: var(--r-family-2); --rt: var(--r-family-t); }
.route-eu { --rc: var(--r-eu); --rc2: var(--r-eu-2); --rt: var(--r-eu-t); }
.route-work { --rc: var(--r-work); --rc2: var(--r-work-2); --rt: var(--r-work-t); }
.route-renewal { --rc: var(--r-renewal); --rc2: var(--r-renewal-2); --rt: var(--r-renewal-t); }
.page-hero[class*="route-"]::before { background: linear-gradient(90deg, var(--rc) 0 72%, var(--rc2) 72%); }

/* ---------------------------------------------------------------- trust strip */
.trust-strip { background: var(--navy); color: #EAF1F6; padding: var(--s2) 0; }
.trust-strip ul { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 10px var(--s3); list-style: none; margin: 0; padding: 0; font-size: .93rem; font-weight: 600; }
.trust-strip li { display: flex; align-items: flex-start; gap: 8px; }
.trust-strip .ic { color: var(--gold); margin-top: 2px; }

/* ---------------------------------------------------------------- bands */
.band { padding: var(--s6) 0; }
@media (min-width: 900px) { .band { padding: var(--s8) 0; } }
.band > .wrap > :last-child { margin-bottom: 0; }
.band-white { background: var(--white); }
.band-ivory { background: var(--ivory); }
.band-aqua { background: var(--aqua); }
.band-mist { background: var(--mist); }
.band-navy { background: var(--navy); color: #EAF1F6; }
.band-navy h2, .band-navy strong { color: #fff; }
.band-navy a { color: #FFE2A6; font-weight: 700; }
.band-navy a:hover { color: #fff; }
/* buttons keep their own colours on the navy band (the band's link colour made white buttons unreadable) */
.band-navy a.btn-primary { color: #fff; }
.band-navy a.btn-primary:hover { background: #fff; color: var(--navy); }
.band-navy a.btn-secondary { color: var(--navy); border-color: #fff; }
.band-navy a.btn-secondary:hover { background: #FFE2A6; color: var(--navy); }
.ic-head { width: 34px; height: 34px; color: var(--teal); vertical-align: -6px; margin-right: 10px; }
.band-related h2 { font-size: 1.35rem; }

/* ---------------------------------------------------------------- cards */
.card-grid { list-style: none; margin: var(--s3) 0; padding: 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); transition: border-color .15s, transform .15s; }
.card:hover { border-color: var(--teal-2); transform: translateY(-1px); }
.card-link { display: flex; align-items: center; gap: 12px; padding: 16px 18px; color: var(--navy); font-weight: 650; text-decoration: none; min-height: 64px; height: 100%; }
.card-link:hover { color: var(--navy); }
.card-text { flex: 1; }
.card-arrow { color: var(--teal); }
.card[class*="route-"] { border-left: 5px solid var(--rc2); }

/* homepage route chooser (26 Oct 2026): three main routes as named choices, the rest as a quiet row of links */
.route-choices { list-style: none; margin: var(--s4) 0 0; padding: 0; display: grid; gap: var(--s4) var(--s5); }
@media (min-width: 900px) { .route-choices { grid-template-columns: repeat(3, 1fr); } }
.rc { display: flex; flex-direction: column; padding-top: var(--s3); border-top: 3px solid var(--rc, var(--navy)); }
.rc h3 { margin: 0 0 var(--s2); font-size: 1.35rem; color: var(--navy); }
.rc p { margin: 0 0 var(--s3); color: var(--ink); flex: 1; }
.rc-link { font-weight: 650; color: var(--teal); text-underline-offset: 3px; }
.rc-link::after { content: "\00a0\2192"; }
.route-more { display: flex; flex-wrap: wrap; align-items: baseline; gap: var(--s1) var(--s4); margin: var(--s5) 0 var(--s3);
  padding: var(--s3) 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.route-more-label { margin: 0; font-size: .9rem; font-weight: 700; color: var(--muted); }
.route-more ul { list-style: none; display: flex; flex-wrap: wrap; gap: var(--s1) var(--s4); margin: 0; padding: 0; }
.route-more a { color: var(--navy); font-weight: 600; text-underline-offset: 3px; }

/* ---------------------------------------------------------------- lists: checklist, timeline */
.checklist { list-style: none; padding: 0; }
.checklist li { position: relative; padding: 4px 0 4px 38px; margin-bottom: 8px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 5px; width: 26px; height: 26px; border-radius: 50%; background: var(--aqua); border: 1px solid #9FCFCC; }
.checklist li::after { content: ""; position: absolute; left: 9px; top: 10px; width: 7px; height: 12px; border: solid var(--teal); border-width: 0 3px 3px 0; transform: rotate(45deg); }
.band-aqua .checklist li::before { background: #fff; }
.timeline { list-style: none; counter-reset: step; padding: 0; margin: var(--s3) 0; }
.timeline > li { counter-increment: step; position: relative; padding: 4px 0 var(--s3) 58px; }
.timeline > li::before { content: counter(step); position: absolute; left: 0; top: 0; width: 38px; height: 38px; border-radius: 50%; background: var(--teal);
  color: #fff; font: 800 1rem/38px var(--font-head); text-align: center; }
.timeline > li::after { content: ""; position: absolute; left: 18px; top: 42px; bottom: 4px; width: 2px; background: #9FCFCC; }
.timeline > li:last-child::after { display: none; }
.timeline > li:last-child { padding-bottom: 0; }

/* ---------------------------------------------------------------- callouts */
.callout { background: var(--aqua); border-left: 6px solid var(--teal-2); border-radius: var(--radius); padding: var(--s3); margin: var(--s3) 0; }
.callout > :first-child { margin-top: 0; } .callout > :last-child { margin-bottom: 0; }
.band-aqua .callout { background: #fff; }
.callout-cert { background: var(--ivory); border-left-color: var(--gold); }
.callout ul { padding-left: 1.1em; }

/* ---------------------------------------------------------------- tables */
.table-wrap { margin: var(--s3) 0; border: 1px solid var(--line); border-radius: var(--radius); overflow-x: auto; background: #fff; }
table { border-collapse: collapse; width: 100%; font-size: .95em; }
th, td { padding: 12px 14px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
thead th { background: var(--navy); color: #fff; font-weight: 700; font-size: .92em; }
tbody th { color: var(--navy); font-weight: 700; background: var(--mist); }
tbody tr:last-child > * { border-bottom: 0; }
.table-compare thead th:not(:first-child) { background: var(--teal); }
@media (max-width: 699px) {
  .table-stack { border: 0; background: none; overflow: visible; }
  .table-stack table, .table-stack tbody, .table-stack tr, .table-stack th, .table-stack td { display: block; width: 100%; }
  .table-stack thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .table-stack tr { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; }
  .table-stack tbody th { background: var(--navy); color: #fff; }
  .table-stack td { display: grid; grid-template-columns: minmax(96px, 40%) 1fr; gap: 10px; }
  .table-stack td::before { content: attr(data-label); font-weight: 700; color: var(--navy); font-size: .88em; }
}

/* ---------------------------------------------------------------- FAQs */
.faq-list { display: grid; gap: 12px; margin-top: var(--s3); }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.faq-item > summary { display: flex; align-items: center; justify-content: space-between; gap: var(--s2); padding: 18px 20px; cursor: pointer;
  font: 700 1.04em/1.35 var(--font-head); color: var(--navy); }
.faq-item > summary:hover .faq-q { text-decoration: underline; }
.faq-item[open] > summary { border-bottom: 1px solid var(--line); }
.faq-item[open] .faq-chev { transform: rotate(180deg); }
.faq-chev { color: var(--teal); }
.faq-body { padding: var(--s2) 20px 6px; }

/* ---------------------------------------------------------------- CTA, contact, WhatsApp */
.cta-block { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin: var(--s4) 0; padding: var(--s3); background: var(--navy); border-radius: var(--radius-lg); }
.cta-block .btn-secondary { background: transparent; color: #fff; border-color: #fff; }
.cta-block .btn-secondary:hover { background: #fff; color: var(--navy); }
.contact-list { list-style: none; padding: 0; display: grid; gap: 10px; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.contact-list li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; }
a[href^="https://wa.me/"]:not(.btn):not(.wa-link)::before { content: ""; display: inline-block; width: 1.05em; height: 1.05em; margin-right: .35em;
  vertical-align: -.15em; background: currentColor; -webkit-mask: url("/assets/brand/icon-chat.svg") center/contain no-repeat; mask: url("/assets/brand/icon-chat.svg") center/contain no-repeat; }
.btn[href^="https://wa.me/"]::before { content: ""; width: 1.1em; height: 1.1em; background: currentColor;
  -webkit-mask: url("/assets/brand/icon-chat.svg") center/contain no-repeat; mask: url("/assets/brand/icon-chat.svg") center/contain no-repeat; }

/* ---------------------------------------------------------------- quote form */
.quote-form-wrap { margin: var(--s3) 0; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: var(--s3); box-shadow: var(--shadow); }
.quote-form .field { margin-bottom: 18px; }
.quote-form label, .quote-form legend { display: block; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.quote-form .inline { display: inline-flex; align-items: center; gap: 8px; font-weight: 500; margin-right: var(--s3); }
.quote-form fieldset { border: 0; padding: 0; margin: 0; }
.quote-form input[type=text], .quote-form input[type=email], .quote-form input[type=tel], .quote-form input[type=date], .quote-form select, .quote-form textarea {
  width: 100%; min-height: 48px; padding: 10px 12px; border: 1.5px solid #7D909F; border-radius: var(--radius-sm); font: inherit; color: var(--ink); background: #fff; }
.quote-form input:focus, .quote-form select:focus, .quote-form textarea:focus { outline: 3px solid var(--teal-2); outline-offset: 1px; border-color: var(--teal); }
.quote-form [aria-invalid="true"] { border-color: var(--error); background: #FFF8F7; }
.quote-form .checkbox { display: flex; flex-wrap: wrap; align-items: flex-start; gap: 10px; }
.quote-form .checkbox input { width: 22px; height: 22px; margin-top: 3px; accent-color: var(--teal); }
.quote-form .checkbox label { font-weight: 500; }
.quote-form .checkbox .error { flex-basis: 100%; }
.optional { font-weight: 500; color: var(--muted); }
.help { margin: 6px 0 0; font-size: .9rem; color: var(--muted); }
.error, .form-status { color: var(--error); font-weight: 600; font-size: .92rem; margin: 6px 0 0; }
.error::before, .form-status::before { content: "! "; font-weight: 800; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.quote-thanks { background: var(--aqua); border-left: 6px solid var(--teal); padding: var(--s3); border-radius: var(--radius); }
/* visa-processing referral: two equal cards, identical styling (no recommended option) */
.referral { margin-top: var(--s4); }
.referral h2 { font-size: 1.3rem; margin: 0 0 var(--s1); }
.referral-cards { list-style: none; margin: var(--s3) 0 0; padding: 0; display: grid; gap: var(--s2); grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.referral-card { display: flex; flex-direction: column; gap: var(--s1); background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: var(--s3); }
.referral-card h3 { margin: 0; font-size: 1.1rem; }
.referral-card p { margin: 0 0 var(--s1); flex: 1; }
.referral-link { align-self: flex-start; min-height: 48px; }
.referral-card .referral-offer { flex: 0 0 auto; font-weight: 600; color: var(--navy); }
.referral-card .referral-price { flex: 0 0 auto; padding: 10px 12px; background: var(--aqua); border-radius: 10px; font-weight: 700; }
.referral-price-label { display: block; font-size: .78rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }
.referral-includes { flex: 1; list-style: none; margin: 0 0 var(--s1); padding: 0; display: grid; gap: 6px; }
.referral-includes li { position: relative; padding-left: 26px; }
.referral-includes li::before { content: ""; position: absolute; left: 4px; top: .45em; width: 12px; height: 7px; border-left: 2px solid var(--teal); border-bottom: 2px solid var(--teal); transform: rotate(-45deg); }
.referral-card .referral-link { align-self: stretch; justify-content: center; }
.referral-card .referral-note { flex: 0 0 auto; margin: 0; font-size: .85rem; color: var(--muted); }
.partner-pairs { margin: var(--s3) 0; }
.partner-group + .partner-group { margin-top: var(--s4); }
.partner-group-title { font-size: 1.05rem; margin: 0; }
.mega-panel .mega-all + .mega-all { margin-left: var(--s3); }

/* ---------------------------------------------------------------- footer */
.site-footer { background: var(--navy); color: #D6E1EA; font-size: .94rem; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; color: #fff; }
.footer-top { display: grid; gap: var(--s4); padding-top: var(--s6); padding-bottom: var(--s4); border-bottom: 1px solid rgba(255, 255, 255, .14); }
@media (min-width: 900px) { .footer-top { grid-template-columns: 1.2fr 1fr; } }
.footer-contact h2, .footer-group h2 { font: 700 .9rem/1.3 var(--font-head); color: var(--gold); margin: 0 0 var(--s1); letter-spacing: .02em; }
.footer-contact ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); }
.footer-contact li { display: flex; align-items: center; gap: 8px; min-width: 0; }
.footer-contact li:first-child { grid-column: 1 / -1; overflow-wrap: anywhere; }
.footer-contact .ic { color: #6FD0D3; }
.footer-grid { display: grid; gap: var(--s3); grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); padding-top: var(--s4); padding-bottom: var(--s4); }
.footer-group ul { list-style: none; margin: 0; padding: 0; }
.footer-group li { margin: 5px 0; }
.footer-base { border-top: 1px solid rgba(255, 255, 255, .14); padding-top: var(--s2); padding-bottom: var(--s3); color: #B8C7D3; }
.footer-base p { margin: 0; }

/* ---------------------------------------------------------------- hero art */
.ha-arch { fill: var(--aqua); }
.ha-arch2 { fill: #fff; opacity: .55; }
.ha-sun { fill: var(--gold); opacity: .85; }
.ha-route { fill: none; stroke: var(--navy); stroke-width: 4; stroke-linecap: round; stroke-dasharray: 2 12; }
.ha-stop { stroke: #fff; stroke-width: 4; }
.ha-gold { fill: var(--gold); } .ha-teal { fill: var(--teal-2); } .ha-coral { fill: var(--coral); }
.ha-card rect { fill: #fff; stroke: var(--line); stroke-width: 2; }
.ha-card .ha-band, .ha-card .ha-band-fix { fill: var(--navy); stroke: none; }
.ha-line { stroke: var(--mist); stroke-width: 9; stroke-linecap: round; fill: none; }
.ha-seal { fill: var(--teal); }
.ha-seal-check { fill: none; stroke: #fff; stroke-width: 5; stroke-linecap: round; stroke-linejoin: round; }
.ha-bubble path:first-child { fill: #fff; stroke: var(--line); stroke-width: 2; }
.ha-dots { stroke: var(--teal-2); stroke-width: 9; stroke-linecap: round; }
.lost-post { stroke: var(--navy); stroke-width: 6; stroke-linecap: round; }
.lost-sign { fill: var(--teal); } .lost-sign2 { fill: var(--gold); }
.lost-q { fill: none; stroke: #fff; stroke-width: 5; stroke-linecap: round; }
.hero-404 { background: var(--ivory); }

/* ---------------------------------------------------------------- templates (never deployed) */
.template-banner { background: #FFF4CE; border-bottom: 2px solid #9A6B00; padding: 12px 16px; font-weight: 700; color: #3D2B00; }
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }
/* ::first-letter needs a block container: hero buttons keep source text ("get a Sanitas quote") and capitalise visually */
.hero-actions .btn { display: inline-block; }
@media (max-width: 959px) {
  .hero-home .hero-visual { max-height: 210px; overflow: hidden; justify-content: flex-end; }
  .hero-home .hero-art { max-width: 300px; }
}

/* ---------------------------------------------------------------- v1.1 conversion pass */
.page-hero .lead strong:first-child { display: block; font-family: var(--font-head); font-size: 1.12em; line-height: 1.4; margin-bottom: .6em; }
@media (min-width: 960px) { .hero-split .hero-grid { grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); align-items: start; gap: var(--s6); } }
.hero-split { padding-bottom: var(--s7); }
.hero-aside .callout { margin: 0; background: #fff; border: 1px solid var(--line); border-left: 6px solid var(--rc2, var(--teal-2)); box-shadow: var(--shadow); }
.hero-aside .callout > p:first-child strong { font-family: var(--font-head); font-size: 1.12rem; }
.hero-actions .sep-mark, .inline-actions .sep-mark, .callout-actions .sep-mark { display: none; }
.hero-actions .sep-word { color: var(--muted); font-size: .95rem; }
.callout-actions, .inline-actions { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; margin: var(--s3) 0 0 !important; }
.inline-actions { margin: var(--s3) 0 !important; }
.btn-wa { background: #fff; color: var(--teal); border-color: var(--teal); }
.btn-wa:hover { background: var(--teal); color: #fff; }
.btn-block { width: 100%; }
/* product decision panel */
.decision-panel { background: #fff; border: 1px solid var(--line); border-top: 6px solid var(--teal); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: var(--s3); }
.decision-panel dl { margin: 0; display: grid; }
.dp-row { display: grid; grid-template-columns: minmax(0, 9.5em) minmax(0, 1fr); gap: 4px 16px; padding: 12px 0; border-bottom: 1px solid var(--line); }
.dp-row:first-child { padding-top: 0; }
.dp-row dt { font-weight: 700; color: var(--navy); font-size: .92rem; }
.dp-row dd { margin: 0; font-size: .95rem; }
@media (max-width: 480px) { .dp-row { grid-template-columns: minmax(0, 1fr); } }
.dp-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: var(--s3); }
.dp-actions .btn { flex: 1 1 180px; }
/* contact action cards */
.contact-actions { list-style: none; padding: 0; margin: var(--s3) 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: var(--s3); display: grid; gap: 12px; align-content: start; box-shadow: var(--shadow); }
.cc-ic { display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; background: var(--aqua); color: var(--teal); }
.contact-card .cc-label { font: 700 1.05rem/1.3 var(--font-head); color: var(--navy); }
.contact-card .btn { font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.contact-card .btn::before { display: none; }
.contact-info { list-style: none; padding: 14px 18px; margin: 0 0 var(--s3); display: flex; flex-wrap: wrap; gap: 8px 32px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.contact-info .cc-label { font-weight: 700; color: var(--navy); }
.contact-info .cc-label strong { color: inherit; }
/* feature cards for bold-led lists */
.feature-grid { list-style: none; padding: 0; margin: var(--s3) 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.feature-grid > li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.feature-grid > li > strong:first-child { display: block; font-family: var(--font-head); font-size: 1.04rem; margin-bottom: 6px; }
/* read-more and section rhythm */
.link-cta a { display: inline-flex; align-items: center; gap: 6px; padding: 10px 16px; border-radius: 12px; background: var(--aqua); color: var(--navy); font-weight: 700; text-decoration: none; border: 1px solid #B9DCDA; }
.link-cta a:hover { background: var(--navy); color: #fff; }
.band-aqua .link-cta a { background: #fff; }
.band:not(.band-navy):not(.band-related) > .wrap > h2::before { content: ""; display: block; width: 44px; height: 4px; border-radius: 4px; background: var(--rc2, var(--teal-2)); margin-bottom: 14px; }
.band-aqua .feature-grid > li, .band-aqua .contact-info { background: #fff; }
/* v1.1 fixes: one-line header, lighter lead emphasis, contact cards fit long values */
.primary-nav a, .mega > summary { white-space: nowrap; font-size: .93rem; padding: 10px 10px; }
.header-cta { white-space: nowrap; }
@media (max-width: 1240px) { .primary-nav { display: none; } .mobile-menu { display: block; } }
/* With the full nav (content capped at 1,152 px) the A1 logo shows at 264 px (guide: 300 recommended, 220 minimum) */
@media (min-width: 1241px) { .site-header .logo-img { width: 264px; } .header-inner { gap: var(--s2); } }
.page-hero .lead strong:first-child { font-weight: 600; color: var(--navy); }
.contact-actions { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.contact-card .btn { font-size: .98rem; }
.contact-card:first-child .btn-wa { background: var(--teal); color: #fff; }
.contact-card:first-child .btn-wa:hover { background: var(--navy); }
.dp-actions .btn { flex: 1 1 200px; white-space: nowrap; }
/* disabled submit (e.g. unsupported location): clearly inactive */
.btn:disabled, .btn[aria-disabled="true"] { background: #C9D3DA; color: #3E4C57; border-color: #C9D3DA; cursor: not-allowed; }
.location-block { font-size: .95rem; }

/* ---------------------------------------------------------------- visa services navigation (owner, 24 Oct 2026) */
.mega-services .mega-panel { width: min(900px, 94vw); }
.svc-intro { margin: 0 0 var(--s2); color: var(--muted); font-size: .95rem; }
.svc-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s2); }
.svc-col { border: 1px solid var(--line); border-radius: 14px; padding: var(--s2); background: #fff; }
.primary-nav .svc-col .svc-head { display: flex; gap: 10px; align-items: center; padding: 6px 4px 10px; border-bottom: 1px solid var(--line); margin-bottom: 6px; white-space: normal; border-radius: 0; }
.svc-head small, .svc-card-head small { display: block; font-weight: 500; color: var(--muted); font-size: .82rem; }
.svc-col ul, .svc-start ul, .guides-list { list-style: none; margin: 0; padding: 0; display: block; }
.primary-nav .svc-col li a, .primary-nav .guides-list a { display: block; padding: 6px 4px; font-weight: 500; font-size: .92rem; white-space: normal; }
.svc-start { margin-top: var(--s2); padding-top: var(--s2); border-top: 1px solid var(--line); }
.svc-start-head { margin: 0 0 6px; font-weight: 700; font-size: .85rem; color: var(--muted); }
.primary-nav .svc-start ul { display: flex; flex-wrap: wrap; gap: 6px 4px; }
.primary-nav .svc-start a { padding: 6px 10px; border: 1px solid var(--line); border-radius: 999px; font-size: .88rem; font-weight: 600; }
.mega-guides .mega-panel { width: 300px; padding: var(--s2); }
.mega-insurance .mega-panel { width: min(620px, 92vw); }
/* the three dropdowns open in place; the right-hand ones align to their own edge */
.primary-nav .has-mega:nth-child(n+3) .mega-panel { left: auto; right: 0; }
.mobile-panel .mm-start li a { font-size: .98rem; padding: 12px 4px; }
.mobile-panel .mm-head { margin-top: var(--s2); }
/* homepage services section */
.band-services-home { background: var(--navy); color: #fff; }
.band-services-home h2 { color: #fff; }
.band-services-home .svc-lead { max-width: 760px; color: #DDE7EE; }
.svc-cards { list-style: none; margin: var(--s3) 0; padding: 0; display: grid; gap: var(--s2); grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.svc-card { background: #fff; color: var(--navy); border-radius: var(--radius-lg); padding: var(--s3); display: flex; flex-direction: column; gap: var(--s1); }
.svc-card-head { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); font-size: 1.15rem; }
.svc-card-head > .ic { margin-left: auto; }
.svc-card p { margin: 0; color: var(--ink, #334); }
.svc-card ul { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }
.svc-card li a { display: block; padding: 8px 0; border-bottom: 1px solid var(--line); color: var(--teal); font-weight: 600; text-decoration: none; }
.svc-quick { list-style: none; margin: 0 0 var(--s3); padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.svc-quick a { display: inline-block; padding: 8px 14px; border: 1px solid rgba(255,255,255,.4); border-radius: 999px; color: #fff; text-decoration: none; font-weight: 600; }
.svc-quick a:hover { background: #fff; color: var(--navy); }
/* insurance route pages: the visa application help panel */
.band-services { background: var(--aqua); }
.band-services .svc-box { background: #fff; border: 2px solid var(--teal-2); border-radius: var(--radius-lg); padding: var(--s4); margin-bottom: var(--s3); }
.svc-panel-links ul { list-style: none; margin: var(--s2) 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.svc-panel-links li a { display: inline-block; padding: 8px 14px; border: 1px solid var(--line); border-radius: 999px; font-weight: 600; text-decoration: none; color: var(--navy); }
.svc-panel-links li a:hover { border-color: var(--teal-2); }
@media (max-width: 700px) { .band-services .svc-box { padding: var(--s3) var(--s2); } }

/* Visa application entry points (25 Oct 2026): navy "Start your visa application" actions, distinct from the teal insurance quote */
.btn-visa { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-visa:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.band-navy a.btn-visa, .cta-block a.btn-visa { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.band-navy a.btn-visa:hover, .cta-block a.btn-visa:hover { background: #fff; color: var(--navy); border-color: #fff; }
.svc-top { display: flex; align-items: center; justify-content: space-between; gap: var(--s2); flex-wrap: wrap; margin-bottom: var(--s2); }
.svc-top .svc-intro { margin: 0; }
.primary-nav .svc-hub-btn { min-height: 44px; padding: 10px 18px; color: #fff; }
.primary-nav .svc-hub-btn:hover { color: var(--navy); }
.svc-actions { margin: 0 0 var(--s2); padding: var(--s2); background: var(--mist); border-radius: var(--radius-sm); }
.svc-actions ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.primary-nav a.svc-action { display: inline-flex; align-items: center; min-height: 40px; padding: 8px 14px; border: 2px solid var(--navy);
  border-radius: 999px; background: #fff; color: var(--navy); font-weight: 700; font-size: .9rem; }
.primary-nav a.svc-action:hover { background: var(--navy); color: #fff; }
.mm-hub { margin: 0 0 var(--s1); }
.mm-hub .btn { width: 100%; min-height: 48px; }
.mm-actions { margin-bottom: var(--s2); }
.mm-actions a { font-weight: 700; color: var(--navy); }
.partner-pairs[id] { scroll-margin-top: 110px; }
h3[id^="start-"] { scroll-margin-top: 110px; }
.btn-quote-alt { background: #fff; color: var(--teal); border-color: var(--teal); }
.btn-quote-alt:hover { background: var(--teal); color: #fff; }
.band-navy a.btn-quote-alt { background: transparent; color: #fff; border-color: #fff; }
.band-navy a.btn-quote-alt:hover { background: #fff; color: var(--navy); }