@import url('https://fonts.googleapis.com/css2?family=Poppins:ital,wght@0,400;0,500;0,600;0,700;0,800;1,700&display=swap');
/* REQ-003 Insurance UI — ported component styles from opay-insurance-demo */
.phone-stage > .insurance-debug-panel {
  flex: 0 0 auto;
  width: 320px;
  min-width: 280px;
  max-width: 360px;
  max-height: calc(100vh - 32px);
  align-self: center;
  overflow: auto;
  background: #111827;
  color: #e5e7eb;
  border: none;
  border-radius: 16px;
  padding: 16px;
  font-size: 12px;
}
.phone-stage > .insurance-debug-panel h2 { margin: 0 0 12px; font-size: 16px; color: #fff; }
.phone-stage > .insurance-debug-panel .muted { color: #9ca3af; }
.insurance-debug-panel.debug-panel {
  flex: 0 0 auto;
  min-width: 280px;
  max-width: 360px;
  max-height: calc(100vh - 32px);
}
.debug-panel {
  flex: 1;
  min-width: 320px;
  max-width: 560px;
  max-height: 850px;
  overflow: auto;
  background: #111827;
  color: #e5e7eb;
  border-radius: 16px;
  padding: 16px;
  font-size: 12px;
}
.debug-panel h2 { margin: 0 0 12px; font-size: 16px; color: #fff; }
.debug-panel h3 { margin: 0 0 8px; font-size: 13px; color: #93c5fd; }
.debug-section { margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid #374151; }
.dbg-row { display: flex; gap: 8px; flex-wrap: wrap; margin: 8px 0; }
.dbg-row button, .debug-section > button, .debug-section select {
  background: #1f2937; color: #fff; border: 1px solid #4b5563;
  border-radius: 8px; padding: 8px 10px; cursor: pointer;
}
.debug-section select { width: 100%; }
.dbg-pre {
  background: #0b1220; border-radius: 8px; padding: 10px;
  max-height: 240px; overflow: auto; white-space: pre-wrap; word-break: break-word;
  color: #a7f3d0; font-size: 11px; margin: 8px 0 0;
}
.dbg-switch { display: flex; align-items: center; justify-content: space-between; margin-top: 10px; }
.pill {
  display: inline-flex; align-items: center; gap: 6px;
  border-radius: 999px; padding: 4px 10px; font-size: 11px; font-weight: 700;
}
.pill-active { background: #22c55e; color: #fff; }
.pill-pending { background: #fef3c7; color: #92400e; }
.pill-suspended { background: #fee2e2; color: #991b1b; }
.pill-expired { background: #e5e7eb; color: #374151; }
.pill-terminated { background: #111; color: #fff; }

.enroll-banner {
  margin-top: 10px;
  font-size: 13px;
  line-height: 1.45;
}
.enroll-banner-pending {
  color: #92400e;
}
.enroll-banner-failed {
  padding: 10px 12px;
  border-radius: 10px;
  background: #fef2f2;
  color: #991b1b;
}
.enroll-banner-failed p { margin: 0 0 6px; }
.enroll-banner-failed p:last-child { margin-bottom: 0; }
.enroll-refund-note {
  color: #9a3412;
  font-weight: 600;
}
.product {
  display: grid; grid-template-columns: 56px 1fr; gap: 12px; cursor: pointer;
}
.thumb {
  width: 56px; height: 56px; border-radius: 12px; overflow: hidden;
  background: linear-gradient(135deg, var(--opay-light), #fff);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.thumb .plan-cover-thumb { width: 100%; height: 100%; border-radius: 0; }
.product h3 { margin: 0 0 4px; font-size: 15px; }
.row { display: flex; align-items: center; justify-content: space-between; gap: 8px; }
.promo { color: var(--opay-dark); font-size: 12px; font-weight: 700; }
.get-btn {
  background: var(--opay); color: #fff; border: 0; border-radius: 999px;
  padding: 6px 14px; font-weight: 700; font-size: 13px; cursor: pointer;
}
.mode-tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; margin: 12px 0; }
.mode-tabs-single { grid-template-columns: 1fr; }
.mode-tabs button {
  position: relative;
  border: 1px solid #e5e7eb; background: #fff; border-radius: 12px; padding: 12px 4px;
  font-size: 11px; font-weight: 600; cursor: pointer; color: #374151;
}
.mode-tabs button.on {
  border-color: var(--opay); background: #ecfdf5; color: var(--opay-dark);
  box-shadow: inset 0 0 0 1px rgba(0,184,118,.25);
}
.mode-tabs .mode-leaf {
  position: absolute; top: 4px; right: 4px;
  font-size: 10px; color: var(--opay);
}
.insured-select-card .insured-section-head { margin-bottom: 12px; }
.insured-change-btn { font-size: 13px; font-weight: 700; }
.insured-selected-name {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap; margin-bottom: 4px;
}
.relation-tag {
  display: inline-flex; align-items: center;
  padding: 2px 8px; border-radius: 999px;
  background: #e0f2fe; color: #0369a1;
  font-size: 11px; font-weight: 700;
}
.person-picker-row {
  display: flex; align-items: center; gap: 8px;
  padding: 12px; border: 1px solid #eef0f3; border-radius: 12px;
  margin-bottom: 8px; background: #fff;
}
.person-picker-row.on { border-color: var(--opay); background: #ecfdf5; }
.person-picker-main {
  flex: 1; min-width: 0; border: 0; background: transparent;
  text-align: left; padding: 0; cursor: pointer; font: inherit; color: inherit;
}
.relation-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.relation-chip {
  border: 1px solid #e5e7eb; background: #fff; color: #374151;
  border-radius: 999px; padding: 8px 14px; font-size: 13px; font-weight: 600; cursor: pointer;
}
.relation-chip.on { border-color: var(--opay); background: #ecfdf5; color: var(--opay-dark); }
.insurance-detail-footer.is-split {
  display: flex; align-items: center; gap: 12px; padding: 10px 16px 16px;
}
.insurance-detail-footer.is-full .ins-footer-price { display: none; }
.insurance-detail-footer.is-split .ins-footer-price {
  flex: 1; min-width: 0; display: block;
}
.insurance-detail-footer.is-split .ins-footer-cta {
  flex: 0 0 auto; min-width: 132px; width: auto; padding-left: 22px; padding-right: 22px;
}
.ins-footer-now {
  font-size: 15px; font-weight: 800; color: var(--opay-dark); line-height: 1.25;
}
.ins-footer-free { font-size: 12px; font-weight: 700; color: var(--opay); }
.ins-footer-then {
  margin-top: 2px; font-size: 11px; color: #9ca3af;
}
.ins-footer-then s { color: #9ca3af; }
.person-chip {
  display: flex; align-items: center; gap: 10px; padding: 10px 12px;
  border: 1px solid #e5e7eb; border-radius: 12px; margin-bottom: 8px; background: #fff;
}
.person-chip.on { border-color: var(--opay); background: var(--opay-light); }
.person-chip-body { flex: 1; cursor: pointer; min-width: 0; }
.person-edit-btn {
  border: 0; background: var(--opay-light); color: var(--opay-dark);
  border-radius: 999px; padding: 6px 12px; font-size: 11px; font-weight: 700; cursor: pointer; flex-shrink: 0;
}
.edit-delete-link {
  display: block; width: 100%; margin-top: 14px; padding: 0;
  border: 0; background: transparent; color: #b91c1c;
  font-size: 12px; font-weight: 500; text-decoration: underline;
  text-align: center; cursor: pointer;
}
.edit-delete-link:hover { color: #991b1b; }
.my-policy-compact.clickable { cursor: pointer; }
.footer-billing-label {
  display: block; width: 100%; text-align: center;
  padding: 12px 18px; font-weight: 700; font-size: 15px;
  color: var(--opay); background: #fff; border: 0; cursor: default;
}
.insured-section-head { margin-bottom: 0; }
.person-list { margin-top: 14px; }
.edit-notice {
  background: #fffbeb; border: 1px solid #fde68a; border-radius: 10px;
  padding: 10px 12px; font-size: 12px; color: #92400e; line-height: 1.45; margin-bottom: 12px;
}
#insurance-e-nin[readonly] {
  background: #f3f4f6;
  color: #6b7280;
}
.channel-footer {
  text-align: center; font-size: 11px; color: #9ca3af; line-height: 1.5;
  margin: 20px 4px 16px; padding: 0 4px 8px;
}
.payment-mode-note { margin-top: 8px; line-height: 1.45; font-size: 11px; }
.next-billing { text-align: right; font-size: 11px; line-height: 1.35; }
.next-billing strong { display: block; color: #111; font-size: 12px; margin-top: 2px; }
.terms-note {
  background: transparent; padding: 0 2px 16px; font-size: 12px; color: #9ca3af; line-height: 1.5;
  border: 0; margin: 4px 0 12px;
}
.terms-note a { color: var(--opay-dark); font-weight: 700; text-decoration: underline; }
.drawer-overlay {
  position: absolute; inset: 0; background: rgba(0,0,0,.5); z-index: 40; display: none;
}
.drawer-overlay.show { display: block; }
.drawer {
  position: absolute; left: 0; right: 0; bottom: 0; background: #fff;
  border-radius: 20px 20px 0 0; padding: 16px; z-index: 41;
  transform: translateY(110%); transition: transform .25s ease;
  max-height: 85%; overflow: auto;
  visibility: hidden;
  pointer-events: none;
}
.drawer.show {
  transform: translateY(0);
  visibility: visible;
  pointer-events: auto;
}
.pay-modal .pay-line { display: flex; justify-content: space-between; margin: 8px 0; font-size: 14px; }
.pay-modal .pay-auto-debit-notice {
  margin: 14px 0 4px;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid #a7f3d0;
  background: #ecfdf5;
  color: #6b7280;
  font-size: 12px;
  line-height: 1.45;
}
.field { margin-bottom: 10px; }
.field label { display: block; font-size: 12px; color: var(--muted); margin-bottom: 4px; }
.field input, .field select {
  width: 100%; padding: 10px 12px; border-radius: 10px; border: 1px solid #e5e7eb; font-size: 14px;
}
.timeline { border-left: 2px solid var(--opay-light); margin-left: 8px; padding-left: 16px; }
.timeline .item { position: relative; margin-bottom: 16px; }
.timeline .item::before {
  content: ''; position: absolute; left: -21px; top: 4px;
  width: 10px; height: 10px; border-radius: 999px; background: var(--opay);
}
.map-box {
  height: 220px; border-radius: 16px; overflow: hidden; border: 1px solid #e5e7eb;
  background: #dbeafe; position: relative;
}
.map-box iframe { width: 100%; height: 100%; border: 0; }
.map-fallback {
  position: absolute; inset: 0; display: grid; place-items: center;
  padding: 16px; text-align: center; color: #1e3a8a; font-size: 13px;
}
.switch {
  width: 44px; height: 26px; border-radius: 999px; background: #d1d5db; position: relative; cursor: pointer; border: 0;
}
.switch.on { background: var(--opay); }
.switch span {
  position: absolute; top: 3px; left: 3px; width: 20px; height: 20px;
  border-radius: 999px; background: #fff; transition: left .2s;
}
.switch.on span { left: 21px; }
.summary-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 12px; }
.summary-grid div { text-align: center; }
.summary-grid strong { display: block; font-size: 12px; }
.summary-grid span { font-size: 11px; color: var(--muted); }
.spinner {
  width: 56px; height: 56px; border-radius: 999px;
  border: 4px solid var(--opay-light); border-top-color: var(--opay);
  animation: spin 1s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.svc-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px 8px; text-align: center;
}
.svc-grid button {
  border: 0; background: transparent; cursor: pointer; font-size: 11px; color: #374151;
  display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.svc-grid .ico {
  width: 40px; height: 40px; border-radius: 999px; background: var(--opay-light);
  display: grid; place-items: center; color: var(--opay-dark); font-size: 18px;
}
.detail-kv { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid #f3f4f6; font-size: 14px; }
.detail-kv:last-child { border-bottom: 0; }
.detail-kv .k { color: var(--muted); }
.covers-list { list-style: none; padding: 0; margin: 8px 0 0; }
.covers-list li {
  display: flex; justify-content: space-between; gap: 12px;
  padding: 8px 0; font-size: 13px; border-bottom: 1px solid #f3f4f6;
}
.covers-list li:last-child { border-bottom: 0; }
.covers-list .dot {
  width: 8px; height: 8px; border-radius: 999px; background: var(--opay);
  display: inline-block; margin-right: 8px; flex-shrink: 0; margin-top: 5px;
}
.covers-list .left { display: flex; align-items: flex-start; }
.covers-list .right { color: #111; font-weight: 600; white-space: nowrap; }
.policy-head h2 { margin: 0; font-size: 18px; }
.policy-head .sub { margin-top: 8px; font-size: 13px; color: #4b5563; }
.policy-head .sub strong { color: #111; }
.copy-row { display: flex; align-items: center; gap: 6px; margin-top: 6px; font-size: 13px; }
.disclaimer { font-size: 11px; color: #9ca3af; line-height: 1.45; margin: 12px 0 20px; padding: 0 2px; }
.policy-tag {
  display: inline-flex; align-items: center; font-size: 10px; font-weight: 700;
  background: var(--opay-light); color: var(--opay-dark); border-radius: 999px; padding: 2px 8px;
  flex-shrink: 0;
}
.product-title-row {
  display: flex; align-items: center; gap: 6px; flex-wrap: wrap;
}
.product-title-row h3 { margin: 0 0 4px; font-size: 15px; }
.section-title { margin: 20px 0 10px; padding: 0 2px; }
.summary-card .active-count {
  font-size: 28px; font-weight: 700; color: var(--opay); margin: 8px 0 4px;
}
.summary-link {
  border: 0; background: transparent; padding: 0; margin-top: 8px;
  color: var(--opay-dark); font-size: 13px; font-weight: 600; text-align: left; cursor: pointer;
}
.summary-link:hover { text-decoration: underline; }
.plan-hero {
  position: relative; overflow: hidden; min-height: 108px;
}
.plan-hero-content { position: relative; z-index: 1; }
.plan-hero-watermark {
  position: absolute; right: -6px; bottom: -18px; font-size: 108px; line-height: 1;
  opacity: 0.08; pointer-events: none; user-select: none; z-index: 0;
}
.plan-hero-with-cover { padding: 0; overflow: hidden; }
.plan-hero-media {
  position: relative;
  min-height: 148px;
  background: linear-gradient(160deg, #0f766e, #10b981 55%, #6ee7b7);
  overflow: hidden;
}
.plan-hero-media .plan-hero-cover-bg {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; opacity: 0.22; pointer-events: none;
}
.plan-hero-scrim {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(6,78,59,.15), rgba(6,78,59,.55));
  pointer-events: none;
}
.plan-hero-titleblock {
  position: relative; z-index: 1;
  padding: 48px 16px 18px;
  color: #fff;
}
.plan-hero-titleblock h2 { margin: 0; font-size: 20px; color: #fff; }
.plan-hero-sub { margin-top: 4px; font-size: 12px; opacity: 0.92; }
.plan-hero-metric {
  padding: 14px 16px 16px;
  text-align: center;
  background: #fff;
}
.plan-hero-limit {
  display: block;
  margin-top: 4px;
  font-size: 28px;
  font-weight: 800;
  color: #111827;
  letter-spacing: -0.02em;
}
.plan-hero-cover-bg {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  opacity: 0.12; pointer-events: none;
}
.plan-hero-top {
  display: flex; align-items: center; gap: 12px; margin-bottom: 4px;
}
.plan-hero-cover {
  width: 48px; height: 48px; border-radius: 10px; object-fit: cover; flex-shrink: 0;
}
.plan-hero-with-cover .plan-hero-content { padding: 16px; }
.card-compact { padding: 12px 14px; }
.card-compact .compact-title { display: block; font-size: 13px; margin-bottom: 8px; }
.my-policy-compact {
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
  padding: 8px 0; border-bottom: 1px solid #f3f4f6;
}
.my-policy-compact:last-child { border-bottom: 0; padding-bottom: 0; }
.my-policy-compact .name { font-size: 13px; font-weight: 700; }
.my-policy-compact .meta {
  display: flex; align-items: center; flex-wrap: wrap; gap: 4px;
  font-size: 11px; color: var(--muted); margin-top: 3px;
}
.my-policy-compact .meta .pill { font-size: 10px; padding: 2px 8px; }
.btn-sm { padding: 8px 12px; font-size: 12px; border-radius: 999px; }
.my-policy-compact-action { flex-shrink: 0; }
.detail-kv-stack { align-items: flex-start; }
.detail-kv-stack .v-stack {
  display: flex; flex-direction: column; align-items: flex-end; gap: 2px; text-align: right;
}
.stay-note { color: var(--danger); font-size: 11px; font-weight: 600; }
.svc-grid-4 { grid-template-columns: repeat(4, 1fr); }
.svc-grid-3 { grid-template-columns: repeat(3, 1fr); }
.plan-cover-thumb {
  width: 56px; height: 56px; border-radius: 12px; object-fit: cover;
  background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 100%);
}
.timeline-card {
  margin-top: 14px; padding-top: 12px; border-top: 1px solid #f3f4f6;
}
.timeline-card strong { display: block; margin-bottom: 8px; font-size: 13px; }
.timeline-inline-item {
  padding: 8px 0; border-bottom: 1px solid #f3f4f6; font-size: 12px;
}
.timeline-inline-item:last-child { border-bottom: 0; }
.filter-crumbs {
  display: flex; gap: 8px; margin-bottom: 12px; flex-wrap: nowrap;
}
.filter-crumbs .crumb {
  border: 1px solid #e5e7eb; background: #fff; border-radius: 999px;
  padding: 8px 12px; font-size: 12px; font-weight: 600; cursor: pointer; color: #374151;
  flex: 1 1 0; min-width: 0;
}
.filter-crumbs .crumb.on {
  border-color: var(--opay); background: var(--opay-light); color: var(--opay-dark);
}
.filter-crumbs .crumb-select {
  display: inline-flex; align-items: center; padding: 0; overflow: hidden;
}
.filter-crumbs .crumb-select select {
  border: 0; background: transparent; padding: 8px 22px 8px 10px; font-size: 12px;
  font-weight: 600; color: inherit; cursor: pointer; appearance: none;
  width: 100%; min-width: 0; text-overflow: ellipsis;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 6px center;
}
.policy-head-action { padding-bottom: 14px; }
.link-btn {
  border: 0; background: transparent; color: var(--opay-dark); font-weight: 700;
  font-size: 12px; cursor: pointer; padding: 0;
}
.cover-sub { display: block; font-size: 11px; color: var(--muted); margin-top: 2px; font-weight: 400; }
.covers-list li.cover-item { flex-direction: column; align-items: stretch; gap: 4px; }
.covers-list li.cover-item .cover-row { display: flex; justify-content: space-between; gap: 12px; }
.card-head-row { display: flex; align-items: center; justify-content: space-between; gap: 8px; }
.auto-renew-card {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
}
.auto-renew-card .switch { flex-shrink: 0; }
.auto-renew-card.disabled { opacity: 0.55; }
.renew-lock-note { margin-top: 6px; color: #92400e; font-weight: 600; }
.policy-next-billing {
  margin-top: 12px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 10px;
  background: #f8fafc;
}
.policy-next-billing strong { font-size: 13px; color: #111; }
.insurance-confirm-actions .btn-outline-opay {
  background: #fff;
  color: var(--opay-dark, #00a86b);
  border: 1.5px solid var(--opay, #00c27a);
}
.insurance-confirm-actions .btn-outline-opay:active {
  background: var(--opay-light, #e8f8f0);
}
.existing-policy-modal {
  position: relative;
  width: min(320px, calc(100% - 40px));
  padding: 20px 18px 16px;
  text-align: left;
}
.existing-policy-close {
  position: absolute;
  top: 12px;
  right: 12px;
  border: 0;
  background: transparent;
  color: #9ca3af;
  font-size: 18px;
  line-height: 1;
  cursor: pointer;
  padding: 4px;
}
.existing-policy-title {
  margin: 0 28px 8px 0;
  font-size: 17px;
  font-weight: 800;
  color: #111827;
  line-height: 1.3;
}
.existing-policy-desc {
  margin: 0 0 14px;
  font-size: 13px;
  line-height: 1.45;
  color: #6b7280;
}
.existing-policy-card {
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 12px 14px;
  margin-bottom: 14px;
  background: #fff;
}
.existing-policy-card-head { margin-bottom: 10px; }
.existing-policy-kv {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  font-size: 13px;
  margin-top: 6px;
  color: #6b7280;
}
.existing-policy-kv span:last-child {
  color: #111827;
  font-weight: 600;
  text-align: right;
}
.existing-policy-modal .btn-block { margin-top: 10px; }
.existing-policy-modal .btn-ghost-opay {
  border: 0;
  background: #ecfdf5;
  color: var(--opay-dark, #047857);
  font-weight: 700;
}
.existing-policy-modal .btn-ghost-opay:active {
  background: #d1fae5;
}
#insurance-existing-policy-overlay.show,
#insurance-mfb-overlay.show {
  display: flex;
  align-items: center;
  justify-content: center;
}
#insurance-mfb-overlay { z-index: 75; }
.mfb-consent-modal { padding: 22px 18px 16px; }
.mfb-consent-icon {
  width: 44px; height: 44px; border-radius: 999px; margin-bottom: 12px;
  display: flex; align-items: center; justify-content: center;
  background: #ecfdf5; color: var(--opay-dark, #047857); font-size: 24px;
}
.mfb-consent-modal .existing-policy-title { margin-right: 0; }
.mfb-consent-modal .existing-policy-desc { font-size: 12px; line-height: 1.5; margin-bottom: 12px; }
.mfb-consent-modal .existing-policy-card { padding: 10px 12px; margin-bottom: 10px; background: #f9fafb; border-color: #f0f1f3; }
.mfb-consent-card-title {
  display: flex; align-items: center; gap: 6px;
  font-size: 12px; font-weight: 600; color: rgba(0, 0, 0, 0.85); margin-bottom: 4px;
}
.mfb-consent-card-title i { color: var(--opay-dark, #047857); font-size: 14px; }
.mfb-consent-modal .existing-policy-kv { font-size: 12px; margin-top: 4px; }
.mfb-consent-modal .existing-policy-kv span:last-child { font-weight: 500; max-width: 62%; overflow-wrap: anywhere; }
.mfb-consent-edit {
  display: flex; align-items: center; justify-content: center; gap: 4px; width: 100%;
  margin-top: 10px; padding: 9px 0 1px; border: 0; border-top: 1px solid #eceef1; background: none;
  color: var(--opay-dark, #047857); font-size: 12px; font-weight: 600; cursor: pointer;
}
.mfb-consent-edit i { font-size: 14px; }
.mfb-consent-modal .mfb-consent-legal { margin: 0 0 4px; font-size: 11px; line-height: 1.45; color: rgba(0, 0, 0, 0.45); }
.mfb-consent-modal.is-loading { text-align: center; padding: 28px 20px 26px; }
.mfb-consent-loading .processing-spinner { width: 44px; height: 44px; margin-bottom: 16px; }
.mfb-consent-loading .existing-policy-title { margin: 0 0 6px; font-size: 16px; }
.mfb-consent-loading .existing-policy-desc { margin: 0; }
.mfb-consent-steps { list-style: none; margin: 16px 0 0; padding: 0; text-align: left; }
.mfb-consent-steps li {
  display: flex; align-items: center; gap: 8px; font-size: 12px; color: rgba(0, 0, 0, 0.45); padding: 4px 0;
}
.mfb-consent-steps li i { font-size: 14px; }
.mfb-consent-steps li.done { color: rgba(0, 0, 0, 0.85); }
.mfb-consent-steps li.done i { color: var(--opay, #00c27a); }
.stay-interrupted { color: var(--danger); font-size: 12px; font-weight: 600; margin-top: 4px; }
.dist-badge { font-size: 11px; color: var(--opay-dark); font-weight: 700; }
.dbg-row button:disabled { opacity: 0.45; cursor: not-allowed; }
.ins-dbg-home-btns button.on {
  border-color: var(--opay);
  background: rgba(0, 194, 122, 0.18);
  color: #a7f3d0;
}
.summary-unprotected { margin-top: 8px; }
.summary-card.summary-empty .active-count { color: #9ca3af; }
.product-featured {
  display: flex;
  flex-direction: column;
  gap: 0;
  padding: 0;
  overflow: hidden;
}
.product-featured-media {
  height: 132px;
  background: linear-gradient(145deg, #d1fae5, #ecfdf5 55%, #fff);
  display: flex;
  align-items: center;
  justify-content: center;
}
.product-featured-media .plan-cover-thumb,
.product-featured-media img {
  width: 88px;
  height: 88px;
  object-fit: contain;
}
.product-featured-body { padding: 14px 16px 16px; }
.product-featured-foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  margin-top: 12px;
}
.product-hero {
  display: flex;
  flex-direction: column;
  padding: 0;
  overflow: hidden;
  border: 0;
  box-shadow: 0 8px 24px rgba(15, 23, 42, 0.08);
}
.product-hero-media {
  position: relative;
  min-height: 168px;
  background: linear-gradient(160deg, #0f766e 0%, #059669 45%, #34d399 100%);
  overflow: hidden;
}
.product-hero-media-bg {
  position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: flex-end;
  padding: 12px 8px 12px 40%;
  opacity: 0.35;
}
.product-hero-media-bg .plan-cover-thumb,
.product-hero-media-bg img {
  width: 120px; height: 120px; object-fit: contain;
}
.product-hero-overlay {
  position: relative; z-index: 1;
  padding: 18px 16px 16px;
  color: #fff;
}
.product-hero-overlay h3 { margin: 0; font-size: 18px; color: #fff; }
.product-hero-provider { margin-top: 4px; font-size: 12px; opacity: 0.9; }
.product-hero-tags {
  display: flex; flex-wrap: wrap; gap: 6px; margin-top: 12px;
}
.product-hero-tag {
  display: inline-flex; align-items: center;
  padding: 4px 8px; border-radius: 999px;
  border: 1px solid rgba(255,255,255,.55);
  background: rgba(255,255,255,.12);
  font-size: 10px; font-weight: 600; color: #ecfdf5;
  max-width: 100%;
}
.product-hero-cta-wrap {
  position: relative;
  padding: 12px 14px 14px;
  background: #fff;
}
.get-covered-btn {
  border-radius: 14px !important;
  min-height: 48px;
  font-size: 15px;
}
.get-covered-badge {
  position: absolute;
  top: 4px; right: 18px;
  background: #f97316; color: #fff;
  font-size: 10px; font-weight: 800;
  padding: 4px 8px; border-radius: 8px;
  box-shadow: 0 4px 10px rgba(249, 115, 22, 0.35);
}
.policy-kv-list { margin-top: 10px; display: flex; flex-direction: column; gap: 6px; }
.policy-kv {
  display: flex; gap: 8px; font-size: 12px; line-height: 1.35; color: #4b5563;
}
.policy-kv .k {
  flex: 0 0 auto; min-width: 108px; color: #9ca3af; font-weight: 600;
}
.policy-kv span:last-child { flex: 1; min-width: 0; color: #111827; font-weight: 600; }
.plans-coming-soon {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 12px 2px 4px;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px dashed #d1d5db;
  color: #6b7280;
  font-size: 13px;
  background: #fafafa;
}
.plans-coming-soon i { color: var(--opay); font-size: 16px; }
.card-nav {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  text-align: left;
  border: 0;
  cursor: pointer;
  font: inherit;
  color: inherit;
  background: #fff;
}
.card-nav-main { flex: 1; min-width: 0; }
.card-nav-main .muted { margin: 6px 0 0; }
.card-nav-caret { color: #9ca3af; font-size: 18px; flex-shrink: 0; }
.card-nav:active { background: #f9fafb; }
.hosp-search-wrap {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
  padding: 10px 12px;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  background: #fff;
}
.hosp-search-wrap i { color: #9ca3af; font-size: 16px; }
.hosp-search {
  flex: 1;
  border: 0;
  outline: none;
  font-size: 14px;
  background: transparent;
  min-width: 0;
}
.hosp-result-count { margin: 0 2px 10px; font-size: 12px; }
.hosp-card .hosp-meta { margin-top: 4px; font-size: 12px; }
.hosp-empty {
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; text-align: center;
  padding: 48px 24px; min-height: 280px;
}
.hosp-empty-art {
  width: 72px; height: 72px; border-radius: 999px;
  display: grid; place-items: center;
  background: #ecfdf5; color: var(--opay); font-size: 28px; margin-bottom: 14px;
}
.hosp-empty-text {
  margin: 0; font-size: 14px; color: #6b7280; line-height: 1.45; max-width: 220px;
}
.txn-card .txn-main { flex: 1; min-width: 0; }
.txn-card .txn-aside {
  display: flex; flex-direction: column; align-items: flex-end; gap: 6px; flex-shrink: 0;
}
.txn-card .txn-amt { font-size: 14px; color: #111827; }
.txn-fail-reason { margin-top: 4px; color: #dc2626; font-size: 12px; font-weight: 600; }
.topbar-action {
  border: 0;
  background: transparent;
  color: var(--opay-dark, #1a7f4e);
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  padding: 6px 4px;
  min-width: 36px;
  text-align: right;
}
.policy-list-card {
  background: #fff;
  border: 1px solid #eef0f3;
  border-radius: 14px;
  padding: 14px;
  margin-bottom: 10px;
}
.policy-list-card.is-tap {
  cursor: pointer;
}
.policy-list-card.is-tap:active {
  background: #fafafa;
}
.policies-empty {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 52vh;
  padding: 32px 24px;
  text-align: center;
  border: 0;
  background: transparent;
}
.policies-empty-art {
  width: 88px;
  height: 88px;
  border-radius: 24px;
  background: #eef2f7;
  color: #94a3b8;
  display: grid;
  place-items: center;
  margin-bottom: 16px;
}
.policies-empty-art i {
  font-size: 40px;
}
.policies-empty-text {
  margin: 0;
  font-size: 14px;
  font-weight: 500;
  color: #9ca3af;
  border: 0;
  background: transparent;
}
#insurance-confirm-overlay {
  z-index: 90;
}
.insurance-confirm-modal {
  text-align: center;
}
.insurance-confirm-modal p {
  margin: 0 0 16px;
  font-size: 14px;
  color: #111;
  line-height: 1.45;
  font-weight: 600;
}
.insurance-confirm-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.insurance-confirm-actions .btn {
  margin: 0;
  border-radius: 999px;
  padding: 12px 14px;
  font-size: 14px;
  font-weight: 700;
}
.faq-card .faq-title,
.claim-card .faq-title {
  display: block;
  font-size: 15px;
  margin-bottom: 10px;
}
.faq-list { display: flex; flex-direction: column; gap: 2px; }
.faq-item { border-bottom: 1px solid #f3f4f6; padding: 4px 0; }
.faq-item:last-child { border-bottom: 0; }
.faq-q {
  width: 100%;
  border: 0;
  background: transparent;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 0;
  text-align: left;
  cursor: pointer;
  color: #111;
}
.faq-badge {
  width: 22px;
  height: 22px;
  border-radius: 999px;
  background: var(--opay-light);
  color: var(--opay-dark);
  font-size: 11px;
  font-weight: 800;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.faq-q-text {
  flex: 1;
  min-width: 0;
  font-size: 13px;
  font-weight: 700;
  line-height: 1.4;
}
.faq-caret { color: #9ca3af; font-size: 14px; flex-shrink: 0; margin-top: 2px; }
.faq-a {
  margin: 0 0 10px 32px;
  font-size: 12px;
  color: #6b7280;
  line-height: 1.5;
}
.faq-inline-link {
  display: inline;
  border: 0;
  background: transparent;
  padding: 0;
  color: var(--opay-dark);
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  text-decoration: underline;
}
.claim-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.claim-step {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.claim-step-text {
  flex: 1;
  font-size: 13px;
  color: #374151;
  line-height: 1.45;
  padding-top: 2px;
}
.cover-detail-item { margin-bottom: 16px; }
.cover-detail-item h3 { margin: 0 0 6px; font-size: 15px; }
.cover-detail-item p { margin: 0; font-size: 13px; color: #374151; line-height: 1.5; }
.cover-detail-item .meta { font-size: 11px; color: var(--muted); margin-bottom: 8px; }
.ins-excl-list { margin: 0; padding-left: 20px; font-size: 13px; line-height: 1.5; color: #374151; }
.ins-excl-list li + li { margin-top: 6px; }
.ins-excl-entry {
  display: flex; align-items: center; gap: 8px; width: 100%; margin-top: 12px; padding: 10px 12px;
  border: 0; border-radius: 8px; background: #fff7ed; color: #9a3412; cursor: pointer;
  font-size: 12px; line-height: 18px; font-weight: 500; text-align: left;
}
.ins-excl-entry span { flex: 1; min-width: 0; }
.ins-excl-entry i { font-size: 16px; }
.ins-excl-entry .ph-caret-right { color: rgba(154, 52, 18, 0.6); }
.ins-help-desc { margin: 8px 0 10px; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.ins-help-list { display: flex; flex-direction: column; gap: 8px; padding: 10px 12px; border-radius: 8px; background: #f8f8fb; }
.ins-help-row { display: flex; align-items: center; gap: 8px; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.85); }
.ins-help-row i { font-size: 16px; color: #00b876; flex-shrink: 0; }
.ins-help-row .k { width: 64px; flex-shrink: 0; color: rgba(0, 0, 0, 0.45); }
.ins-help-row a { color: rgba(0, 0, 0, 0.85); text-decoration: none; overflow-wrap: anywhere; }
.ins-help-btn { margin-top: 12px; display: flex; align-items: center; justify-content: center; gap: 6px; text-decoration: none; }

/* ── Claim guide poster ── */
#view-insurance_claim { background: #f8f8fb; }
#view-insurance_claim > .topbar { position: relative; z-index: 6; background: #effffa; }
#view-insurance_claim > .topbar h1 { flex: 1; }
#view-insurance_claim .insurance-scroll {
  padding: 0 12px 24px;
  background: linear-gradient(180deg, #effffa 0, #effffa 100px, #f8f8fb 180px) no-repeat !important;
}
.ins-claim-hero { position: relative; height: 124px; margin: 0 -12px; overflow: hidden; }
.ins-claim-hero .ins-home-hero-art { transform: translateY(-90px); }
.ins-claim-hero .ins-home-shield-3d { left: 282px; top: 104px; width: 72px; height: auto; }
.ins-claim-hero .ins-home-shield-outline { left: 238px; top: 64px; }
.ins-claim-hero .ins-home-sparkle-a { left: 284px; top: 160px; }
.ins-claim-hero-copy {
  position: absolute; left: 24px; top: 10px; z-index: 2;
  display: flex; flex-direction: column; align-items: flex-start; gap: 6px;
}
.ins-claim-hero-copy .ins-home-title { font-size: 24px; }
#view-insurance_claim .ins-claim-hero-copy p { max-width: 230px; margin: 0; font-size: 12px; line-height: 18px; color: #236b4d; }

.ins-claim-section-head { display: flex; flex-direction: column; align-items: flex-start; gap: 6px; margin-bottom: 14px; }
.ins-claim-section-head strong { font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85); }
.ins-claim-tag {
  padding: 1px 8px; border-radius: 999px; background: #e8faf5; color: #00b876;
  font-size: 10px; line-height: 16px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px;
}
.ins-claim-tag.is-blue { background: #eef4ff; color: #3b6fe0; }

.ins-claim-steps { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; }
.ins-claim-steps li { position: relative; display: flex; gap: 12px; padding-bottom: 18px; }
.ins-claim-steps li:last-child { padding-bottom: 0; }
.ins-claim-steps li:not(:last-child)::before {
  content: ''; position: absolute; left: 19px; top: 42px; bottom: 4px; border-left: 1.5px dashed #b7ead6;
}
.ins-claim-step-ico {
  position: relative; flex-shrink: 0; width: 40px; height: 40px; border-radius: 12px;
  display: grid; place-items: center; background: #e8faf5; color: #00b876; font-size: 20px;
}
.ins-claim-step-ico span {
  position: absolute; top: -5px; right: -5px; width: 16px; height: 16px; border-radius: 999px;
  display: grid; place-items: center; background: #00b876; color: #fff; font-size: 10px; font-weight: 700;
  border: 1.5px solid #fff;
}
.ins-claim-step-copy { flex: 1; min-width: 0; padding-top: 1px; }
.ins-claim-step-copy strong { display: block; font-size: 13px; line-height: 20px; font-weight: 600; color: rgba(0, 0, 0, 0.85); }
.ins-claim-step-copy p { margin: 2px 0 0; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.ins-claim-inline-btn {
  display: flex; align-items: center; gap: 8px; width: 100%; margin-top: 16px; padding: 10px 12px;
  border: 0; border-radius: 8px; background: #f3fcf8; color: #00975d; cursor: pointer;
  font-size: 12px; line-height: 18px; font-weight: 500; text-align: left;
}
.ins-claim-inline-btn span { flex: 1; }
.ins-claim-inline-btn i { font-size: 16px; }

.ins-claim-ministeps { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.ins-claim-ministeps li { display: flex; align-items: flex-start; gap: 8px; }
.ins-claim-tele .faq-badge.is-num { background: #eef4ff; color: #3b6fe0; font-size: 12px; flex-shrink: 0; }
.ins-claim-ministeps p { margin: 0; font-size: 12px; line-height: 20px; color: rgba(0, 0, 0, 0.65); }
.ins-claim-chips-label { margin: 14px 0 8px; font-size: 11px; line-height: 16px; color: rgba(0, 0, 0, 0.45); }
.ins-claim-chips { display: flex; flex-wrap: wrap; gap: 6px; }
.ins-claim-chips span {
  padding: 3px 10px; border-radius: 999px; background: #f8f8fb; color: rgba(0, 0, 0, 0.65);
  font-size: 11px; line-height: 16px;
}

/* Insurance views — inner-card layout (gray gutter + inset white cards) */
[id^="view-insurance"] .insurance-scroll {
  padding: 12px 16px 24px;
  background: var(--bg);
  box-sizing: border-box;
}
[id^="view-insurance"] .insurance-scroll > .card,
[id^="view-insurance"] .insurance-scroll > .card:last-child {
  margin-bottom: 10px;
}
[id^="view-insurance"] .insurance-scroll > .section-title {
  margin: 8px 0 10px;
  padding: 0 2px;
  font-size: 14px;
}
[id^="view-insurance"] .insurance-scroll .channel-footer,
[id^="view-insurance"] .insurance-scroll .disclaimer,
[id^="view-insurance"] .insurance-scroll .terms-note {
  margin-left: 0;
  margin-right: 0;
}
[id^="view-insurance"] .channel-footer {
  margin: 8px 0 16px;
  padding: 0 2px 8px;
  white-space: normal;
  overflow: visible;
  text-overflow: unset;
  word-break: break-word;
  line-height: 1.5;
}
[id^="view-insurance"] .disclaimer {
  padding: 0 2px;
  margin: 4px 0 20px;
}
[id^="view-insurance"] .card .timeline {
  margin-top: 12px;
  margin-left: 8px;
}
[id^="view-insurance"] .card .timeline-inline {
  margin-top: 8px;
}

/* ── REQ-003 Figma hi-fi layer (tokens: agent-tools/figma-insurance/tokens.md) ── */
[id^="view-insurance"],
#insurance-person-picker,
.ins-form-sheet,
.ins-pay-sheet,
#insurance-cashier-overlay,
#insurance-pin-overlay,
#insurance-existing-policy-overlay,
#insurance-mfb-overlay,
#insurance-confirm-overlay {
  font-family: Poppins, Roboto, system-ui, -apple-system, sans-serif;
}
[id^="view-insurance"] :is(button, input, select),
#insurance-person-picker :is(button, input, select),
.ins-form-sheet :is(button, input, select),
.ins-pay-sheet button,
#insurance-cashier-overlay button,
#insurance-existing-policy-overlay button,
#insurance-mfb-overlay button,
#insurance-confirm-overlay button {
  font-family: inherit;
}
[id^="view-insurance"] { background: #f8f8fb; color: rgba(0, 0, 0, 0.85); }
[id^="view-insurance"] .insurance-scroll { background: transparent; }
[id^="view-insurance"] > .topbar h1 {
  margin-left: 4px; text-align: left; font-size: 14px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85);
}
[id^="view-insurance"] .card {
  border: 0; border-radius: 12px; padding: 14px 12px; margin-bottom: 10px; box-shadow: none;
}
[id^="view-insurance"] .footer-bar {
  display: flex; justify-content: center; padding: 12px 40px 24px; border-top: 0;
  box-shadow: 0 -1px 30px -1px rgba(10, 74, 36, 0.1);
}
[id^="view-insurance"] .footer-bar .btn {
  width: 100%; max-width: 280px; min-height: 48px; border-radius: 99px; font-size: 16px; line-height: 22px; font-weight: 700;
}
[id^="view-insurance"] .muted { color: rgba(0, 0, 0, 0.45); }
.topbar-action { color: var(--opay); font-weight: 500; }
#view-insurance_policies .topbar-action { color: rgba(0, 0, 0, 0.9); font-size: 12px; line-height: 18px; font-weight: 400; }

.ins-card-title,
.insured-section-head strong,
.card-nav-main strong,
.faq-card .faq-title,
.claim-card .faq-title {
  font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85);
}
.ins-card-title { display: block; margin-bottom: 12px; }
[id^="view-insurance"] .card-head-row { margin-bottom: 12px; }
.card-head-row .ins-card-title { margin-bottom: 0; }
.ins-link,
.insured-change-btn {
  display: inline-flex; align-items: center; gap: 2px;
  color: var(--opay) !important; font-size: 12px; line-height: 18px; font-weight: 500; min-width: 0;
}

/* Timeline status tags — solid (tokens §状态 Tag) */
[id^="view-insurance"] .pill {
  gap: 4px; padding: 3px 6px; border: 0; border-radius: 8px;
  font-size: 12px; line-height: 18px; font-weight: 500; white-space: nowrap; flex-shrink: 0;
}
[id^="view-insurance"] .pill-active { background: rgba(29, 207, 159, 0.1); color: #00b876; }
[id^="view-insurance"] .pill-pending { background: #fff8e1; color: #ffa101; }
[id^="view-insurance"] .pill-suspended { background: rgba(220, 12, 72, 0.1); color: #dc0c48; }
[id^="view-insurance"] .pill-expired,
[id^="view-insurance"] .pill-terminated { background: rgba(0, 0, 0, 0.04); color: rgba(0, 0, 0, 0.45); }

/* Selectable chip with bottom-right corner tick */
.ins-seg-chips { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 6px; }
.ins-tick-chip {
  position: relative; overflow: hidden;
  height: 32px; padding: 4px 8px; border: 0; border-radius: 8px;
  background: rgba(0, 0, 0, 0.04); color: rgba(0, 0, 0, 0.65);
  font-size: 12px; line-height: 16px; font-weight: 400; white-space: nowrap; cursor: pointer;
}
.ins-tick-chip.on { background: rgba(29, 207, 159, 0.1); color: #00b876; }
.ins-tick-mark { position: absolute; right: 0; bottom: 0; display: none; }
.ins-tick-chip.on .ins-tick-mark { display: block; }
.ins-tick-chip:disabled { opacity: 0.45; cursor: not-allowed; }
.ins-tick-chip.on:disabled { opacity: 1; }

/* Empty state — the export bakes sample copy under the art, so only the 180×140 window is shown */
.ins-empty {
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  padding: 40px 24px 24px; text-align: center;
}
.ins-empty.policies-empty,
.ins-empty.hosp-empty { min-height: 0; justify-content: flex-start; }
#view-insurance_policies .ins-empty { padding-top: 48px; }
.ins-empty-art { position: relative; width: 180px; height: 140px; overflow: hidden; }
.ins-empty-art img { position: absolute; left: -90px; top: 0; max-width: none; }
.ins-empty-title { font-size: 16px; line-height: 24px; font-weight: 700; color: rgba(0, 0, 0, 0.85); }
.ins-empty-text { margin: 0; font-size: 14px; line-height: 21px; color: rgba(0, 0, 0, 0.65); }

/* 1 · Home */
#view-insurance {
  background: linear-gradient(180deg, #effffa 0, #effffa 204px, #f8f8fb 243px);
}
#view-insurance > .topbar,
#view-insurance_policies > .topbar {
  position: absolute; top: 0; left: 0; right: 0; z-index: 6; background: transparent;
}
#view-insurance .insurance-scroll { padding: 0 16px 28px; }
.ins-home-hero { position: relative; height: 168px; margin: 0 -16px; overflow: hidden; }
.ins-home-hero-copy {
  position: absolute; left: 12px; top: 89px; z-index: 2;
  display: flex; flex-direction: column; align-items: flex-start; gap: 4px; padding: 0 16px 0 12px;
}
.ins-home-title {
  margin: 0; font-size: 22px; line-height: normal; font-weight: 800; white-space: nowrap;
  background: linear-gradient(90deg, rgba(0, 88, 49, 0.85) 34.34%, rgba(0, 151, 93, 0.85) 103.3%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.ins-home-badge {
  display: inline-flex; align-items: center; gap: 4px; padding: 2px 4px;
  border: 1px solid #fff; border-radius: 8px; background: rgba(255, 255, 255, 0.6);
  color: #236b4d; font-size: 12px; line-height: 16px; font-weight: 400;
}
.ins-home-badge img { width: 12px; height: 12px; padding: 0.5px 1px; }
.ins-home-hero-art { position: absolute; inset: 0; pointer-events: none; }
.ins-home-hero-art img { position: absolute; max-width: none; }
.ins-home-glow-1 { left: -206px; top: -243px; }
.ins-home-glow-2 { left: -43px; top: -207px; }
.ins-home-left-light { left: 41px; top: -66px; opacity: 0.5; transform: rotate(-96.91deg); }
.ins-home-shield-outline { left: 216px; top: 11px; }
.ins-home-glow-small { right: -10px; top: 31px; mix-blend-mode: plus-lighter; }
.ins-home-shield-3d { left: 256px; top: 62px; object-fit: cover; }
.ins-home-sparkle-a { left: 262px; top: 120px; mix-blend-mode: plus-lighter; }
.ins-home-sparkle-b { left: 300px; top: 64px; mix-blend-mode: plus-lighter; }
#view-insurance .summary-card {
  position: relative; z-index: 1; display: flex; flex-direction: column; gap: 4px; padding: 14px 12px;
}
.summary-title { font-size: 12px; line-height: 18px; font-weight: 400; color: #000; }
#view-insurance .summary-card .active-count {
  margin: 0; font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85);
}
.active-count .num { font-size: 20px; font-weight: 600; margin-right: 0; }
.summary-card.summary-empty .active-count .num { color: rgba(0, 0, 0, 0.3); }
.summary-link {
  display: inline-flex; align-items: center; gap: 2px; margin: 0; padding: 0; border: 0; background: transparent;
  color: #00b876; font-size: 12px; line-height: 16px; font-weight: 400; cursor: pointer;
}
.summary-unprotected { font-size: 12px; line-height: 16px; color: #ffa101; }
.summary-link.summary-link-unprotected { color: #ffa101; }
.summary-link-unprotected .ph { font-size: 14px; }
#view-insurance .ins-plans-card { padding: 14px 12px; }
.ins-plans-title { font-size: 16px; line-height: 24px; font-weight: 600; color: #000; margin-bottom: 12px; }
.ins-plan-item { cursor: pointer; }
.ins-plan-item + .ins-plan-item { margin-top: 20px; }
.ins-plan-photo { position: relative; height: 100px; border-radius: 12px; overflow: hidden; background: #e2ffef; }
.ins-plan-photo img {
  position: absolute; left: 0; top: -48px; width: calc(100% + 8px); height: 208px; max-width: none; object-fit: cover;
}
.ins-plan-photo::before {
  content: ''; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(90deg, rgba(13, 13, 13, 0.483) 17.45%, rgba(54, 29, 11, 0.015) 105.48%);
}
.ins-plan-photo::after {
  content: ''; position: absolute; inset: 0; z-index: 1; opacity: 0.5;
  background: linear-gradient(0deg, rgba(0, 0, 0, 0.7) 32.8%, rgba(134, 112, 111, 0) 65.35%);
}
.ins-plan-photo-text { position: absolute; left: 12px; right: 12px; top: 43px; z-index: 2; color: #fff; }
.ins-plan-photo-text h3 { margin: 0; font-size: 18px; line-height: normal; font-weight: 700; color: #fff; }
.ins-plan-photo-text span { display: block; margin-top: 2px; font-size: 12px; line-height: 16px; }
.ins-plan-tags { display: flex; flex-wrap: wrap; gap: 6px 4px; margin-top: 12px; }
.ins-plan-tag {
  padding: 4px 6px; border-radius: 8px;
  border: 0.5px solid rgba(0, 184, 118, 0.2); background: rgba(0, 184, 118, 0.05);
  color: #00b876; font-size: 12px; line-height: 16px; font-weight: 400;
}
.ins-plan-cta { position: relative; margin: 24px auto 0; max-width: 296px; }
.ins-plan-cta .btn { min-height: 48px; border-radius: 99px; font-size: 16px; line-height: 20px; font-weight: 700; }
.ins-free-badge {
  position: absolute; top: -12px; right: -4px;
  padding: 4px 6px; border-radius: 8px 8px 8px 0; background: #ff9100; color: #fff;
  font-size: 12px; line-height: 16px; font-weight: 500;
}
.ins-free-badge em { font-style: italic; font-weight: 700; color: #fff314; }
.ins-plan-row {
  display: grid; grid-template-columns: 56px 1fr; gap: 12px;
  padding: 14px 0; border-top: 1px solid #f0f1f3; cursor: pointer;
}
.ins-plans-title + .ins-plan-row { border-top: 0; padding-top: 0; }
.ins-plan-row:last-child { padding-bottom: 0; }
.ins-plan-row-main { min-width: 0; }
.ins-plan-row h3 { margin: 0 0 4px; font-size: 15px; }
.ins-coming-soon { margin: 12px 0 0; text-align: center; font-size: 12px; line-height: 16px; color: rgba(0, 0, 0, 0.45); }
#view-insurance .channel-footer {
  margin: 24px 0 0; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); opacity: 0.7; text-align: left;
}

/* 2 · Plan detail */
#view-insurance_detail { background: #f8f8fb; }
.ins-detail-topbar {
  position: absolute; top: 0; left: 0; right: 0; z-index: 6; background: transparent;
  transition: background-color 0.2s ease;
}
.ins-detail-topbar h1 { opacity: 0; transition: opacity 0.2s ease; }
.ins-detail-topbar.is-solid { background: #fff; }
.ins-detail-topbar.is-solid h1 { opacity: 1; }
#view-insurance_detail .insurance-scroll { padding: 0 16px 24px; }
.ins-detail-hero {
  position: relative; height: 219px; margin: 0 -16px; overflow: hidden;
  background: linear-gradient(180deg, #cdffef 14.45%, rgba(228, 255, 247, 0.59) 50.03%, rgba(255, 255, 255, 0) 127.14%);
}
.ins-detail-hero-photo {
  position: absolute; left: 86px; top: -1px; width: 275px; height: 183px; object-fit: cover;
}
.ins-detail-hero-scrim {
  position: absolute; left: 0; right: 0; top: 0; height: 178px;
  background:
    linear-gradient(-1.25deg, rgba(255, 255, 255, 0) 5.57%, #defff9 73.51%) top / 100% 52px no-repeat,
    linear-gradient(90.98deg, #e2fffa 27.67%, rgba(189, 255, 231, 0) 91.87%);
}
.ins-detail-hero-fade { position: absolute; left: 0; top: 117px; width: 100%; }
.ins-detail-hero-title {
  position: absolute; left: 12px; top: 93px; z-index: 1;
  display: flex; flex-direction: column; gap: 4px; padding: 0 16px 0 12px; color: rgba(0, 0, 0, 0.85);
}
.ins-detail-hero-title h2 { margin: 0; font-size: 20px; line-height: normal; font-weight: 700; }
.ins-detail-hero-title div { font-size: 12px; line-height: 16px; color: rgba(0, 0, 0, 0.85); }
[id^="view-insurance"] .card.ins-limit-card {
  position: relative; z-index: 2; margin-top: -64px; text-align: center; padding: 14px 12px;
}
.ins-limit-label { font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.ins-limit-value { display: block; font-size: 32px; line-height: 34px; font-weight: 700; color: rgba(0, 0, 0, 0.85); }
.ins-limit-value .cur { font-size: 20px; }
.ins-limit-num { position: relative; display: inline-flex; align-items: center; }
.ins-limit-num .cur { line-height: 1; margin-right: 1px; }
.ins-limit-value .upto {
  position: absolute; right: 100%; top: 50%; transform: translateY(-50%); margin-right: 6px; white-space: nowrap;
  font-size: 12px; line-height: 1; font-weight: 400; color: rgba(0, 0, 0, 0.45);
}
.ins-mode-limit {
  display: flex; justify-content: space-between; gap: 12px; margin-top: 12px;
  font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45);
}
.ins-mode-limit strong { font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.ins-covers { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.ins-covers.is-tinted { gap: 16px; padding: 12px; border-radius: 12px; background: #f4fffc; }
.ins-cover-row { padding: 0; border: 0; }
.ins-cover-main {
  display: flex; justify-content: space-between; align-items: flex-start; gap: 12px;
  font-size: 12px; line-height: 18px;
}
.ins-covers.is-tinted .ins-cover-main { line-height: 16px; }
.ins-cover-main strong,
.ins-cover-amt { font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.ins-cover-amt { white-space: nowrap; text-align: right; }
.ins-cover-sub { max-width: 200px; font-size: 10px; line-height: 16px; color: rgba(0, 0, 0, 0.3); }
.ins-covers.is-tinted .ins-cover-sub { max-width: 160px; line-height: 14px; }
[id^="view-insurance"] .payment-mode-note { margin: 12px 0 0; font-size: 10px; line-height: 14px; color: rgba(0, 0, 0, 0.45); }
.insured-selected-name { margin-bottom: 2px; }
.insured-selected-name strong { font-size: 12px; line-height: 18px; font-weight: 500; }
[id^="view-insurance"] .relation-tag,
#insurance-person-picker .relation-tag {
  padding: 2px 4px; border: 0; border-radius: 4px; background: rgba(0, 145, 255, 0.1); color: #0091ff;
  font-size: 10px; line-height: 12px; font-weight: 400;
}
.insured-selected .muted { font-size: 10px; line-height: 12px; color: rgba(0, 0, 0, 0.3); }
.card-nav-main .muted { font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.faq-list { gap: 12px; }
.faq-item,
.faq-item:last-child { padding: 0; border: 0; }
.faq-q { gap: 8px; padding: 0; align-items: flex-start; }
.faq-q-text { font-size: 12px; line-height: 18px; font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.faq-badge.is-q {
  width: 20px; height: 18px; padding: 2px; border-radius: 99px 99px 99px 0;
  background: rgba(29, 207, 159, 0.1); color: #00b876; font-size: 12px; line-height: 14px; font-weight: 600;
}
.faq-caret { margin-top: 1px; flex-shrink: 0; }
.faq-a { margin: 6px 0 0 28px; font-size: 10px; line-height: 16px; color: rgba(0, 0, 0, 0.45); }
.faq-inline-link {
  display: block; margin-top: 2px; padding: 0; color: #00b876; font-size: 10px; line-height: 16px;
  font-weight: 600; text-decoration: underline;
}
.claim-steps { gap: 8px; }
.claim-step { gap: 8px; }
.faq-badge.is-num {
  width: 20px; height: 20px; border-radius: 999px; background: #e8faf5; color: #00b876;
  font-size: 14px; line-height: 14px; font-weight: 600;
}
.claim-step-text { font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
#view-insurance_detail .terms-note { font-size: 10px; line-height: 14px; color: rgba(0, 0, 0, 0.45); }
.terms-note a { color: #00b876; font-weight: 400; text-decoration: underline; }
#view-insurance_detail .insurance-detail-footer.is-split { justify-content: space-between; padding: 12px 12px 24px; }
.ins-footer-now { font-size: 20px; line-height: 26px; font-weight: 700; color: #00b876; white-space: nowrap; }
.ins-footer-free { font-size: 12px; line-height: 26px; font-weight: 600; color: #00b876; }
.ins-footer-then { font-size: 12px; line-height: 16px; color: rgba(0, 0, 0, 0.65); white-space: nowrap; }
#view-insurance_detail .insurance-detail-footer.is-split .ins-footer-cta { width: 132px; max-width: 132px; flex: 0 0 132px; padding: 0; }

/* 3 · Family member sheets */
.ins-sheet-head {
  position: relative; display: flex; align-items: center; justify-content: center; min-height: 24px; margin-bottom: 16px;
}
.ins-sheet-head strong { font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85); }
.ins-sheet-close { position: absolute; right: 4px; top: -8px; width: 20px; height: 20px; padding: 0; }
.drawer.ins-form-sheet {
  display: flex; flex-direction: column; padding: 24px 0 0; overflow: hidden; max-height: 90%; border-radius: 16px 16px 0 0;
}
.ins-form-sheet .ins-sheet-head { margin: 0 12px 16px; }
.ins-sheet-body { flex: 1; min-height: 0; overflow-y: auto; padding: 0 16px 12px; scrollbar-width: none; }
.ins-sheet-body::-webkit-scrollbar { display: none; }
.ins-sheet-foot {
  display: flex; flex-direction: column; align-items: center; gap: 12px;
  padding: 12px 40px 32px; background: #fff; box-shadow: 0 -1px 30px -1px rgba(10, 74, 36, 0.1);
}
.ins-sheet-foot .btn { width: 100%; max-width: 280px; min-height: 48px; border-radius: 99px; font-size: 16px; font-weight: 700; }
.ins-field { display: flex; flex-direction: column; gap: 8px; margin-top: 12px; }
.ins-field label { display: block; margin: 0; font-size: 12px; line-height: normal; font-weight: 500; color: rgba(0, 0, 0, 0.65); }
.ins-field input,
.ins-select select,
.ins-phone-input,
.ins-date-input {
  width: 100%; height: 48px; padding: 0 4px 0 12px;
  border: 0; border-radius: 12px; background: #f8f8fb;
  font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.85); outline: none;
}
.ins-field input::placeholder { color: rgba(0, 0, 0, 0.25); }
.ins-field input:focus,
.ins-select select:focus,
.ins-phone-input:focus-within { box-shadow: inset 0 0 0 1px rgba(0, 184, 118, 0.3); }
.ins-phone-input { display: flex; align-items: center; gap: 12px; padding: 0 16px; }
.ins-phone-input input { flex: 1; min-width: 0; height: 100%; padding: 0; background: transparent; box-shadow: none !important; }
.ins-phone-prefix {
  display: inline-flex; align-items: center; gap: 12px; flex-shrink: 0;
  font-family: Roboto, system-ui, sans-serif; font-size: 14px; line-height: 22px; color: rgba(0, 0, 0, 0.85);
}
.ins-flag-ng {
  width: 26px; height: 18px; border-radius: 4px;
  background: linear-gradient(90deg, #378851 13.3%, #35894f 32%, #fffffd 32%, #fffeff 65.9%, #3d874e 65.9%, #3c8754 107.3%);
}
.ins-date-input { position: relative; display: flex; align-items: center; justify-content: space-between; padding-right: 16px; }
.ins-date-display { font-size: 14px; line-height: 21px; }
.ins-date-display.is-empty { color: rgba(0, 0, 0, 0.25); }
.ins-field .ins-date-input input[type='date'] {
  position: absolute; inset: 0; width: 100%; height: 100%; padding: 0; opacity: 0; cursor: pointer;
}
.ins-select { position: relative; }
.ins-select select {
  appearance: none; -webkit-appearance: none; padding-right: 40px; cursor: pointer;
  font-family: Roboto, system-ui, sans-serif; font-size: 14px; line-height: 18px;
}
.ins-select select:invalid { color: rgba(0, 0, 0, 0.25); }
.ins-select-ico { position: absolute; right: 12px; top: 50%; transform: translateY(-50%) rotate(-90deg); pointer-events: none; }
.ins-edit-notice { margin: 12px 0 0; font-size: 10px; line-height: 14px; color: rgba(0, 0, 0, 0.45); }
#insurance-e-nin[readonly] { color: rgba(0, 0, 0, 0.45); }
.ins-form-sheet .edit-delete-link {
  margin: 0; padding: 0; border: 0; background: transparent; color: #00b876; text-decoration: none;
  font-size: 14px; line-height: 24px; font-weight: 600; cursor: pointer;
}
#insurance-person-picker { border-radius: 16px 16px 0 0; padding: 24px 12px 32px; }
#insurance-person-picker .btn { min-height: 48px; border-radius: 99px; font-weight: 700; }

#insurance-confirm-overlay .insurance-confirm-modal {
  width: 312px; max-width: calc(100% - 48px); border-radius: 24px; padding: 24px 16px;
}
#insurance-confirm-overlay .insurance-confirm-modal p {
  margin: 0 0 16px; font-size: 14px; line-height: 21px; font-weight: 600; text-align: center; color: rgba(0, 0, 0, 0.85);
}
.insurance-confirm-actions { gap: 12px; }
.insurance-confirm-actions .btn { min-height: 48px; padding: 0 12px; border-radius: 24px; font-size: 14px; font-weight: 600; }
.btn-soft-opay { background: #e2f5eb; color: #00b876; border: 0; }
.btn-soft-opay:active { background: #d0eedd; }

/* 4 · Confirm payment */
.drawer.ins-pay-sheet { padding: 24px 12px 32px; border-radius: 16px 16px 0 0; }
.ins-pay-sheet .pay-line { margin: 0; padding: 5px 0; font-size: 12px; line-height: 18px; gap: 12px; }
.ins-pay-sheet .pay-line span { color: rgba(0, 0, 0, 0.45); }
.ins-pay-sheet .pay-line strong { font-weight: 500; line-height: 16px; color: rgba(0, 0, 0, 0.85); text-align: right; }
.pay-modal .pay-auto-debit-notice {
  margin: 12px 0 0; padding: 10px 12px; border: 0; border-radius: 8px;
  background: rgba(0, 184, 118, 0.05); color: rgba(0, 0, 0, 0.45); font-size: 10px; line-height: 16px;
}
.ins-pay-sheet #insurance-btn-pay-confirm {
  display: block; width: 280px; max-width: 100%; margin: 16px auto 0 !important; min-height: 48px;
  border-radius: 99px; font-size: 16px; line-height: 20px; font-weight: 700;
}

/* 5 · Cashier */
#insurance-cashier-overlay .deposit-sheet {
  background: #f8f8fb; max-height: 92%; overflow-y: auto; border-radius: 16px 16px 0 0; scrollbar-width: none;
}
.ins-cashier { position: relative; display: flex; flex-direction: column; gap: 24px; padding: 40px 12px 24px; }
.ins-cashier-head { position: absolute; left: 16px; top: 16px; }
.ins-cashier-head .icon-btn { width: 24px; height: 24px; padding: 0; }
.ins-cashier-amt {
  margin: 0; text-align: center; font-size: 32px; line-height: 34px; font-weight: 700; color: rgba(0, 0, 0, 0.85);
}
.ins-cashier-amt .cur { margin-right: 2px; font-size: 20px; font-weight: 500; }
.ins-cashier-card { display: flex; flex-direction: column; gap: 12px; margin: 0; padding: 12px; border-radius: 12px; background: #fff; }
.ins-cashier-card.ins-cashier-summary { border-radius: 16px; }
.ins-cashier-row { display: flex; justify-content: space-between; gap: 12px; padding: 0; font-size: 12px; line-height: 18px; }
.ins-cashier-row span { color: rgba(0, 0, 0, 0.45); flex-shrink: 0; }
.ins-cashier-row strong { font-weight: 400; color: rgba(0, 0, 0, 0.85); text-align: right; }
.ins-cashier-section {
  display: flex; align-items: center; justify-content: space-between;
  margin: 0 0 -12px; font-size: 13px; line-height: 19px; color: rgba(0, 0, 0, 0.45);
}
.ins-cashier-all {
  display: inline-flex; align-items: center; gap: 2px; padding: 0;
  border: 0; background: transparent; color: rgba(0, 0, 0, 0.45); font-size: 13px; line-height: 19px; cursor: pointer;
}
.ins-cashier-card.ins-pay-method { margin-top: 0; }
.ins-pay-method + .ins-pay-method { margin-top: -12px; }
.ins-pay-method-head { display: flex; align-items: center; gap: 8px; }
.ins-pay-ico { position: relative; width: 20px; height: 20px; flex-shrink: 0; }
.ins-pay-ico img { position: absolute; left: 0; top: 0; }
.ins-pay-ico .ins-pay-glyph { left: 4px; top: 4px; }
.ins-pay-method-name { min-width: 0; font-size: 13px; line-height: 21px; font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.ins-pay-method-name small { font-size: 11px; line-height: 22px; font-weight: 400; }
.ins-pay-info { margin-right: auto; transform: rotate(180deg); }
.ins-pay-radio-img { flex-shrink: 0; }
.ins-pay-split {
  display: flex; flex-direction: column; gap: 4px;
  margin: 0; padding: 12px 0 0 28px; border-top: 1px dashed rgba(0, 0, 0, 0.1);
  font-size: 12px; line-height: 20px; color: rgba(0, 0, 0, 0.45);
}
.ins-pay-method-copy { flex: 1; min-width: 0; display: flex; flex-direction: column; }
.ins-pay-method-sub { font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.ins-cashier-foot { display: flex; justify-content: center; padding-top: 0; }
.ins-cashier-foot .btn { width: 280px; max-width: 100%; min-height: 48px; border-radius: 40px; font-size: 16px; line-height: 24px; font-weight: 700; }

/* 6 · Payment PIN (Roboto per spec) */
#insurance-pin-overlay .pin-sheet {
  padding: 0; border-radius: 12px 12px 0 0; overflow: hidden; background: #fff;
  font-family: Roboto, system-ui, -apple-system, sans-serif;
}
#insurance-pin-overlay button { font-family: Roboto, system-ui, -apple-system, sans-serif; }
.ins-pin-head { position: relative; display: flex; align-items: center; justify-content: center; height: 64px; padding-top: 16px; }
.ins-pin-head h3 { margin: 0; font-size: 16px; line-height: 24px; font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.ins-pin-close { position: absolute; right: 16px; top: 20px; width: 16px; height: 16px; padding: 0; }
.ins-pin-boxes { display: flex; justify-content: center; gap: 16px; margin: 24px 0 16px; }
.ins-pin-box { display: block; width: 48px; height: 48px; border-radius: 12px; background: #f8f8fb; box-sizing: border-box; }
.ins-pin-box.current { border: 1px solid rgba(0, 184, 118, 0.3); }
.ins-pin-forgot {
  display: block; margin: 0 auto 16px; padding: 0;
  border: 0; background: transparent; color: #00b876; font-size: 14px; line-height: 24px; font-weight: 400; cursor: pointer;
}
.ins-keypad { display: flex; flex-direction: column; gap: 8px; padding: 8px; background: #f5f5f5; }
.ins-keypad-bar { position: relative; display: flex; align-items: center; justify-content: center; height: 18px; }
.ins-keypad-secure { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.65); }
.ins-keypad-done {
  position: absolute; right: 8px; padding: 0; border: 0; background: transparent;
  color: #00b876; font-size: 12px; line-height: 18px; font-weight: 400; cursor: pointer;
}
.ins-keypad-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.ins-key {
  display: grid; place-items: center; height: 48px; padding: 12px; border: 0; border-radius: 4px; background: #fff;
  font-size: 24px; line-height: 24px; font-weight: 500; color: #333; cursor: pointer;
}
.ins-key.is-wide { grid-column: span 2; }
.ins-key:active { background: #e5e7eb; }

/* 7 · Processing */
#view-insurance_processing { background: #fff; }
.ins-processing-body {
  display: flex; flex-direction: column; align-items: center; gap: 32px; padding: 80px 32px 0; text-align: center;
}
.ins-processing-ring { animation: spin 1s linear infinite; }
.ins-processing-title { margin: 0; font-size: 15px; line-height: 22px; font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.ins-processing-sub { margin: -20px 0 0; font-size: 13px; line-height: 19px; color: #00b876; }

/* 8 · My Policy Detail */
#view-insurance_policy {
  background: linear-gradient(180deg, #e6eeff 0, #e6eeff 100px, rgba(230, 238, 255, 0.5) 200px, #f8f8fb 380px);
}
#view-insurance_policy > .topbar { background: #e6eeff; }
#view-insurance_policy .insurance-scroll { padding: 8px 12px 24px; }
.ins-ticket { margin-bottom: 10px; }
.ins-ticket-head,
.ins-ticket-renew,
.ins-policy-head { position: relative; padding: 14px 12px; background: #fff; }
.ins-ticket-head {
  border-radius: 12px 12px 0 0;
  -webkit-mask:
    radial-gradient(circle 6px at 0 100%, transparent 98%, #000 100%) left / 51% 100% no-repeat,
    radial-gradient(circle 6px at 100% 100%, transparent 98%, #000 100%) right / 51% 100% no-repeat;
  mask:
    radial-gradient(circle 6px at 0 100%, transparent 98%, #000 100%) left / 51% 100% no-repeat,
    radial-gradient(circle 6px at 100% 100%, transparent 98%, #000 100%) right / 51% 100% no-repeat;
}
.ins-ticket-head::after {
  content: ''; position: absolute; left: 12px; right: 12px; bottom: 0; border-bottom: 1px dashed rgba(0, 0, 0, 0.1);
}
.ins-ticket-renew {
  -webkit-mask:
    radial-gradient(circle 6px at 0 0, transparent 98%, #000 100%) left / 51% 100% no-repeat,
    radial-gradient(circle 6px at 100% 0, transparent 98%, #000 100%) right / 51% 100% no-repeat;
  mask:
    radial-gradient(circle 6px at 0 0, transparent 98%, #000 100%) left / 51% 100% no-repeat,
    radial-gradient(circle 6px at 100% 0, transparent 98%, #000 100%) right / 51% 100% no-repeat;
}
/* Scalloped bottom edge of the ticket shape: r6 arcs every 20px, 8px flat between. */
.ins-ticket-scallop {
  height: 6px; border-radius: 0 0 8px 8px;
  background: radial-gradient(circle at 10px 6px, transparent 6px, #fff 6.5px) 2px 0 / 20px 6px repeat-x;
}
.ins-ticket-renew.auto-renew-card { display: block; border: 0; border-radius: 0; margin: 0; }
.ins-policy-head { margin-bottom: 10px; border-radius: 12px; }
.ins-ticket-head h2,
.ins-policy-head h2 { margin: 0; padding-right: 72px; font-size: 20px; line-height: 30px; font-weight: 600; color: #000; }
.ins-ticket-sub { display: flex; align-items: center; gap: 8px; margin-top: 4px; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.ins-copy-btn { display: inline-grid; place-items: center; padding: 0; border: 0; background: transparent; cursor: pointer; }
.ins-stamp { position: absolute; right: 12px; top: 35px; pointer-events: none; }
.ins-policy-note { margin: 4px 0 0; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
.ins-policy-note p { margin: 0; }
.ins-policy-note.is-pending { color: #ffa101; }
.ins-policy-note.is-error { color: #dc0c48; }
.ins-policy-note strong { font-weight: 600; }
.ins-policy-note .is-green { color: #00b876; }
.ins-head-action { margin-top: 12px; min-height: 40px; border-radius: 99px; font-size: 14px; font-weight: 600; }
.ins-renew-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.ins-renew-copy strong { font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85); }
.ins-renew-copy .muted { max-width: 268px; margin-top: 4px; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }
[id^="view-insurance"] .ins-ticket-renew .switch { width: 36px; height: 20px; margin-top: 2px; flex-shrink: 0; }
[id^="view-insurance"] .ins-ticket-renew .switch span { top: 2px; left: 2px; width: 16px; height: 16px; }
[id^="view-insurance"] .ins-ticket-renew .switch.on span { left: 18px; }
.ins-ticket-renew .policy-next-billing {
  display: flex; justify-content: space-between; margin-top: 12px; padding: 0; background: transparent;
  font-size: 12px; line-height: 18px;
}
.policy-next-billing span { color: rgba(0, 0, 0, 0.45); }
.policy-next-billing strong { font-weight: 500; color: rgba(0, 0, 0, 0.45); }
[id^="view-insurance"] .svc-grid { gap: 12px 0; }
[id^="view-insurance"] .svc-grid button {
  min-width: 0; padding: 0; gap: 4px; font-size: 10px; line-height: 16px; color: rgba(0, 0, 0, 0.45);
}
[id^="view-insurance"] .svc-grid .ico { width: 24px; height: 24px; border-radius: 0; background: transparent; }
.ins-kv-box { display: flex; flex-direction: column; gap: 8px; padding: 12px; border-radius: 12px; background: #f8f8fb; }
.ins-kv-box .detail-kv { padding: 0; border-bottom: 0; font-size: 12px; line-height: 18px; gap: 12px; }
.ins-kv-box .detail-kv .k { color: rgba(0, 0, 0, 0.45); flex-shrink: 0; }
.ins-kv-box .detail-kv > span:last-child { font-weight: 500; color: rgba(0, 0, 0, 0.85); text-align: right; }
[id^="view-insurance"] .timeline-inline { display: flex; flex-direction: column; gap: 12px; }
[id^="view-insurance"] .timeline-inline-item {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 0; border: 0;
}
.ins-tl-main { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.ins-tl-main strong { font-size: 12px; line-height: 18px; font-weight: 500; color: rgba(0, 0, 0, 0.85); }
.ins-tl-time { font-size: 10px; line-height: 16px; color: rgba(0, 0, 0, 0.3); }
#view-insurance_policy .disclaimer { margin: 4px 0 0; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); opacity: 0.7; }

/* 9 · Payment record — one card for all records */
#view-insurance_txns > .topbar { background: #fff; }
.card.txn-list { display: flex; flex-direction: column; gap: 16px; }
.txn-row { display: flex; flex-direction: column; gap: 2px; }
.txn-line { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.txn-label { font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.85); }
.txn-row .txn-amt { font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85); white-space: nowrap; }
.txn-row .txn-time { margin: 0; font-size: 10px; line-height: 16px; color: rgba(0, 0, 0, 0.25); }
.txn-row .txn-fail-reason { margin: 0; font-size: 10px; line-height: 16px; color: #dc0c48; }
.txn-tag {
  display: inline-flex; align-items: center; height: 20px; padding: 4px 8px; border-radius: 4px;
  font-size: 10px; line-height: 12px; white-space: nowrap;
}
.txn-tag.is-success { background: rgba(29, 207, 159, 0.1); color: #00b876; }
.txn-tag.is-failed { padding: 2px 8px; background: rgba(220, 12, 72, 0.1); color: #dc0c48; }
.txn-tag.is-pending { background: #fff8e1; color: #ffa101; }

/* 10 · My Policies + History */
#view-insurance_policies {
  overflow: hidden;
  background: linear-gradient(180deg, #e4fbf4 0, #effffa 178px, #f8f8fb 246px);
}
.ins-list-art { position: absolute; inset: 0 0 auto 0; height: 237px; overflow: hidden; pointer-events: none; z-index: 0; }
.ins-list-art img { position: absolute; max-width: none; }
.ins-list-glow-1 { left: -206px; top: -243px; }
.ins-list-glow-2 { left: -43px; top: -207px; }
.ins-list-shield { left: 220px; top: -23px; }
#view-insurance_policies > .scroll { position: relative; z-index: 1; padding: 0 16px 28px; }
.ins-policies-hero {
  display: flex; align-items: baseline; gap: 4px; margin: 0 8px; padding-top: 104px; height: 150px; box-sizing: border-box;
  font-size: 16px; line-height: 24px; font-weight: 700; color: #00b876;
}
.ins-policies-hero .num { font-size: 24px; line-height: 30px; font-weight: 700; }
#view-insurance_history > .topbar { background: #fff; }
#view-insurance_history .insurance-scroll { padding: 8px 16px 28px; }
#view-insurance_history .ins-empty { padding-top: 38px; }
[id^="view-insurance"] .policy-list-card { display: flex; flex-direction: column; gap: 10px; border: 0; border-radius: 12px; padding: 14px 12px; }
.policy-list-head { display: flex; align-items: center; gap: 4px; }
.policy-list-head strong { min-width: 0; font-size: 16px; line-height: 24px; font-weight: 600; color: rgba(0, 0, 0, 0.85); }
.policy-list-tag {
  padding: 2px 6px; border: 1px solid currentColor; border-radius: 6px;
  font-size: 10px; line-height: 12px; font-weight: 500; white-space: nowrap;
}
.policy-list-tag.is-active { color: #00b876; }
.policy-list-tag.is-pending { color: #ffa101; }
.policy-list-tag.is-error { color: #dc0c48; }
.policy-list-tag.is-muted { color: rgba(0, 0, 0, 0.45); }
.policy-list-caret { margin-left: auto; flex-shrink: 0; }
.policy-kv-list { display: flex; flex-direction: column; margin: 0; gap: 6px; }
[id^="view-insurance"] .policy-kv { display: block; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.45); }

/* 11 · Hospital network */
#view-insurance_hospitals > .topbar { background: #fff; }
.ins-hosp-head { position: relative; z-index: 5; padding: 0 12px; background: #fff; flex-shrink: 0; }
.ins-hosp-search {
  display: flex; align-items: center; gap: 8px; height: 40px; padding: 0 12px;
  border-radius: 30px; background: #f8f8fb;
}
.ins-hosp-search-ico { flex-shrink: 0; }
.ins-hosp-search input {
  flex: 1; min-width: 0; border: 0; outline: none; background: transparent;
  font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.85);
}
.ins-hosp-search input::placeholder { color: rgba(0, 0, 0, 0.25); }
.ins-hosp-clear {
  display: grid; place-items: center; padding: 0; border: 0; background: transparent;
  color: rgba(0, 0, 0, 0.25); font-size: 16px; cursor: pointer;
}
.ins-hosp-filters {
  display: flex; align-items: center; justify-content: space-between; margin: 0 -12px; padding: 10px 12px;
}
.ins-hosp-filter {
  display: inline-flex; align-items: center; gap: 4px; min-width: 0; max-width: 33%; padding: 6px 0;
  border: 0; background: transparent; color: rgba(0, 0, 0, 0.65); font-size: 12px; line-height: 16px; cursor: pointer;
}
.ins-hosp-filter span { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.ins-hosp-caret { flex-shrink: 0; transition: transform 0.15s ease; }
.ins-hosp-filter.has-value { color: rgba(0, 0, 0, 0.85); font-weight: 500; }
.ins-hosp-filter.open { color: #00b876; }
.ins-hosp-filter.open .ins-hosp-caret { transform: rotate(180deg); }
.ins-hosp-dim { position: absolute; left: 0; right: 0; top: 100%; height: 2000px; background: rgba(0, 0, 0, 0.45); }
.ins-hosp-panel {
  position: absolute; left: 0; right: 0; top: 100%; max-height: 300px; overflow-y: auto;
  padding: 4px 0 8px; border-radius: 0 0 16px 16px; background: #fff;
}
.ins-hosp-option {
  display: block; width: 100%; height: 44px; border: 0; background: transparent;
  font-size: 14px; color: rgba(0, 0, 0, 0.85); text-align: center; cursor: pointer;
}
.ins-hosp-option.on { background: #f8f8fb; color: #00b876; font-weight: 600; }
#view-insurance_hospitals .insurance-scroll { padding: 12px 16px 28px; }
#view-insurance_hospitals .hosp-result-count { margin: 0 0 12px; font-size: 12px; line-height: 18px; color: rgba(0, 0, 0, 0.85); }
.card.hosp-list { display: flex; flex-direction: column; gap: 20px; padding: 16px 12px; }
[id^="view-insurance"] .hosp-card { margin: 0; padding: 0; border: 0; background: transparent; }
.hosp-card strong { display: block; font-size: 12px; line-height: 18px; font-weight: 600; color: rgba(0, 0, 0, 0.85); }
#view-insurance_hospitals .hosp-card .hosp-meta { margin: 0; font-size: 10px; line-height: 16px; color: rgba(0, 0, 0, 0.3); }