/* ============================================================
   NRIOL – Deduplicated CSS (duplicates removed, last rule wins)
   ============================================================ */

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

/* ── Body ── */
body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: #fff;
  color: #1a1a1a;
}

/* ── CSS Variables ── */
:root {
  --navy: #0B1F3A;
  --navy-light: #132848;
  --gold: #C8973A;
  --gold-light: #E8B96A;
  --cream: #FAF7F2;
  --white: #FFFFFF;
  --text: #1A1A2E;
  --text-muted: #5A6478;
  --border: #E4DDD3;
  --green: #1A7F5A;
  --green-light: #E8F5EF;
  --red-light: #FEF0F0;
  --red: #C0392B;
  --shadow: 0 4px 24px rgba(11,31,58,0.10);
  --shadow-lg: 0 12px 48px rgba(11,31,58,0.16);

  --nriol-navy:   #0d2444;
  --nriol-blue:   #1a4080;
  --nriol-mid:    #2563a8;
  --nriol-light:  #f4f7fb;
  --nriol-white:  #ffffff;
  --nriol-text:   #1c2b3a;
  --nriol-muted:  #5a6e82;
  --nriol-border: #dce6f0;
  --nav-h:        68px;
  --font-body:    'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
}

/* ── Hero ── */
.hero {
  background: linear-gradient(135deg, #0d2d6b 0%, #1a4db8 45%, #2e7df7 100%);
  position: relative;
  overflow: hidden;
  padding: 64px 0 80px;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(200,151,58,0.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(200,151,58,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.hero h1 {
  font-family: var(--serif);
  font-size: 40px;
  font-weight: 500;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 10px;
  letter-spacing: -0.02em;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.2);
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 18px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
.hero-sub {
  color: rgba(0,0,0,0.82);
  font-size: 16px;
  max-width: 560px;
  margin-bottom: 28px;
}
.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.18);
  color: #fff;
  font-size: 14px;
  padding: 5px 12px;
  border-radius: 20px;
  margin: 3px;
}
.hero-pill .material-symbols-outlined { font-size: 15px; }
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 40px;
  flex-wrap: wrap;
}
.hero-stat { border-left: 2px solid rgba(200,151,58,0.4); padding-left: 16px; }
.hero-stat-val { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: var(--gold); }
.hero-stat-lbl { font-size: 12px; color: rgba(255,255,255,0.55); margin-top: 2px; }

/* ── Section label ── */
.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

/* ── Blue button ── */
.btn-blue {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #124dc3;
  color: var(--white);
  font-weight: 700;
  font-size: 15px;
  padding: 14px 28px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s;
}
.btn-blue:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn-blue svg { width: 18px; height: 18px; }

/* ── Nav pills ── */
.nav-pills {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(11,31,58,0.07);
}
.nav-pills-inner {
  max-width: 940px;
  margin: 0 auto;
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
  padding: 0 16px;
}
.nav-pills-inner::-webkit-scrollbar { display: none; }
.nav-pill {
  display: block;
  padding: 14px 18px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-muted);
  text-decoration: none;
  white-space: nowrap;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
}
.nav-pill:hover { color: var(--navy); border-bottom-color: var(--gold); }

/* ── Page layout ── */
.page { max-width: 940px; margin: 0 auto; padding: 0 20px 80px; }

/* ── Typography ── */
h2 { font-size: 18px; font-weight: 500; color: #1a1a1a; margin: 0 0 6px; }
.intro { font-size: 13px; color: #6b7280; margin: 0 0 16px; line-height: 1.5; }

/* ── Group labels ── */
.group-label {
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 6px;
  display: inline-block;
  margin-bottom: 8px;
}
.group-label.comprehensive { background: #f0fdf4; color: #166534; }
.group-label.fixed { background: #f3f4f6; color: #4b5563; }
.group-section { margin-bottom: 14px; }

/* ── Plan cards ── */
.plan-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: box-shadow 0.2s, border-color 0.2s, transform 0.2s;
}
.plan-card:hover { box-shadow: var(--shadow-lg); border-color: #9cd6ff; transform: translateY(-3px); }
.plan-card.featured { border-color: #9cd6ff; border-width: 2px; box-shadow: 0 0 0 1px #9cd6ff; }

.plan-badge {
  position: absolute;
  top: -11px; left: 20px;
  background: #9cd6ff;
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 3px 12px;
  border-radius: 100px;
  text-transform: uppercase;
}
.plan-type {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.plan-name { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.plan-coverage { font-size: 24px; font-weight: 700; color: var(--green); margin-bottom: 4px; }
.plan-coverage.muted { font-size: 15px; color: #6b7280; }
.plan-coverage-lbl { font-size: 12px; color: var(--text-muted); margin-bottom: 14px; }
.plan-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 12px;
}
.tag-yes { background: var(--green-light); color: var(--green); }
.tag-no { background: var(--red-light); color: var(--red); }

.benefits-list { margin: 4px 0 8px; padding-left: 14px; font-size: 12px; color: #6b7280; line-height: 1.6; }
.benefits-list li { margin-bottom: 1px; }

.plan-best {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
  padding-top: 12px;
  border-top: 1px solid var(--border);
  margin-top: auto;
}
.plan-best strong { color: var(--navy); font-weight: 600; }

.divider { border: none; border-top: 0.5px solid #e5e7eb; margin: 14px 0; }

/* ── Callout ── */
.callout {
  background: var(--white);
  border-left: 4px solid var(--gold);
  border-radius: 0 12px 12px 0;
  padding: 20px 24px;
  margin: 24px 0;
  box-shadow: var(--shadow);
}
.callout-title { font-weight: 600; color: var(--navy); margin-bottom: 6px; font-size: 15px; }
.callout p { font-size: 14px; color: var(--text-muted); margin: 0; line-height: 1.5; }

/* ── Comparison type grid ── */
.comp-type { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 24px; }
@media(max-width:580px){ .comp-type { grid-template-columns: 1fr; } }
.comp-card { background: var(--white); border-radius: 14px; border: 1.5px solid var(--border); padding: 28px; }
.comp-card.comp-comp { border-color: var(--green); }
.comp-card-type { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 6px; }
.comp-card-type.green { color: var(--green); }
.comp-card-type.muted { color: var(--text-muted); }
.comp-card h3 { font-size: 18px; margin-bottom: 10px; }
.comp-card p { font-size: 14px; color: var(--text-muted); margin-bottom: 16px; }
.comp-list { list-style: none; }
.comp-list li { font-size: 14px; color: var(--text); padding: 6px 0; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 8px; }
.comp-list li:last-child { border-bottom: none; }
.comp-list li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }

/* ── Coverage table ── */
.coverage-table { width: 100%; border-collapse: collapse; margin-top: 20px; background: var(--white); border-radius: 12px; overflow: hidden; box-shadow: var(--shadow); }
.coverage-table thead tr { background-color: #5a7ca1; }
.coverage-table thead th { padding: 14px 18px; font-size: 13px; font-weight: 600; color: var(--white); text-align: left; letter-spacing: 0.03em; }
.coverage-table tbody tr { border-bottom: 1px solid var(--border); }
.coverage-table tbody tr:last-child { border-bottom: none; }
.coverage-table tbody tr:hover { background: #F7F4EF; }
.coverage-table tbody td { padding: 14px 18px; font-size: 14px; color: var(--text); }
.coverage-table tbody td:first-child { font-weight: 500; color: var(--navy); }
.coverage-table tbody td:nth-child(2) { color: var(--text-muted); }
.coverage-table tbody td:nth-child(3) { font-weight: 600; color: var(--green); }

/* ── Exclusions ── */
.excl-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 10px; margin-top: 20px; }
.excl-item { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 14px 16px; display: flex; align-items: center; gap: 10px; font-size: 13px; color: var(--text); }
.excl-icon { width: 28px; height: 28px; background: var(--red-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 14px; }

/* ── Claims steps ── */
.claims-steps { margin-top: 20px; }
.claim-step { display: flex; gap: 16px; padding: 20px 0; border-bottom: 1px solid var(--border); align-items: flex-start; }
.claim-step:last-child { border-bottom: none; }
.claim-num { width: 36px; height: 36px; background: #e7f2f5; color: #9d9696; font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 700; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.claim-body { flex: 1; }
.claim-title { font-weight: 600; color: var(--navy); margin-bottom: 4px; font-size: 15px; }
.claim-desc { font-size: 14px; color: var(--text-muted); }

/* ── Trust strip ── */
.trust-strip { display: flex; gap: 24px; flex-wrap: wrap; justify-content: center; margin-top: 20px; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: rgba(255,255,255,0.7); }
.trust-item span { font-size: 18px; }

/* ── Trusted band ── */
.v1 { background: #034aa7; border-radius: 0; overflow: hidden; }
.v1-inner { display: grid; grid-template-columns: repeat(4,1fr); }
.v1-item { display: flex; align-items: center; gap: 14px; padding: 20px 28px; position: relative; }
.v1-item:not(:last-child)::after { content: ''; position: absolute; right: 0; top: 15%; height: 70%; width: .5px; background: rgba(255,255,255,.12); }
.v1-icon { font-size: 26px; color: #62b7f8; flex-shrink: 0; font-variation-settings: 'FILL' 0,'wght' 200,'GRAD' 0,'opsz' 24; }
.v1-stat { font-size: 18px; font-weight: 600; color: #000000; line-height: 1.1; }
.v1-label { font-size: 13px; color: #000000; margin-top: 2px; font-weight: 300; }
.accent { color: #8fbdef; }

/* ── NRIOL Header ── */
#nriol-header {
  background: var(--nriol-white);
  border-bottom: 1px solid var(--nriol-border);
  box-shadow: 0 2px 12px rgba(13,36,68,0.08);
  position: sticky;
  top: 0;
  z-index: 999;
  font-family: var(--font-body);
}
#nriol-nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; height: var(--nav-h); }
#nriol-logo { display: flex; align-items: center; flex-shrink: 0; margin-right: 32px; text-decoration: none; }
#nriol-logo img { height: 42px; width: auto; display: block; }
#nriol-nav-list { list-style: none; display: flex; align-items: center; flex: 1; }
#nriol-nav-list > li { position: relative; }
#nriol-nav-list > li > a,
#nriol-nav-list > li > span { display: flex; align-items: center; gap: 4px; padding: 0 15px; height: var(--nav-h); color: var(--nriol-text); font-size: 14px; font-weight: 500; text-decoration: none; white-space: nowrap; cursor: pointer; border-bottom: 3px solid transparent; transition: color .2s, border-color .2s; }
#nriol-nav-list > li > a:hover,
#nriol-nav-list > li > span:hover { color: var(--nriol-mid); border-bottom-color: var(--nriol-mid); }
.nav-caret { display: inline-block; width: 0; height: 0; border-left: 4px solid transparent; border-right: 4px solid transparent; border-top: 5px solid currentColor; margin-left: 2px; transition: transform .2s; }
#nriol-nav-list > li:hover .nav-caret { transform: rotate(180deg); }

/* ── Dropdowns ── */
.nriol-dropdown { display: none; position: absolute; top: var(--nav-h); left: 0; min-width: 230px; background: var(--nriol-white); border: 1px solid var(--nriol-border); border-top: 3px solid var(--nriol-mid); border-radius: 0 0 8px 8px; box-shadow: 0 8px 28px rgba(13,36,68,0.12); z-index: 1000; padding: 6px 0 8px; overflow: hidden; }
#nriol-nav-list > li:hover > .nriol-dropdown { display: block; }
.nriol-dropdown a { display: block; padding: 9px 18px; font-size: 13.5px; color: var(--nriol-text); text-decoration: none; transition: background .15s, color .15s; }
.nriol-dropdown a:hover { background: var(--nriol-light); color: var(--nriol-mid); }
.drop-label { display: block; padding: 9px 18px 5px; font-size: 10px; font-weight: 700; letter-spacing: 1.3px; text-transform: uppercase; color: var(--nriol-muted); background: var(--nriol-light); border-top: 1px solid var(--nriol-border); border-bottom: 1px solid var(--nriol-border); pointer-events: none; }
.drop-label:first-child { border-top: none; }

/* ── Mega dropdown ── */
.nriol-mega { display: none; position: absolute; top: var(--nav-h); left: 0; width: 500px; background: var(--nriol-white); border: 1px solid var(--nriol-border); border-top: 3px solid var(--nriol-mid); border-radius: 0 0 10px 10px; box-shadow: 0 10px 32px rgba(13,36,68,0.14); z-index: 1000; overflow: hidden; }
#nriol-nav-list > li:hover > .nriol-mega { display: block; }
.mega-cols { display: grid; grid-template-columns: 1fr 1fr; }
.mega-col { padding: 0 0 12px; }
.mega-col + .mega-col { border-left: 1px solid var(--nriol-border); }
.mega-col-head { display: flex; align-items: center; gap: 8px; padding: 13px 16px 10px; border-bottom: 1px solid var(--nriol-border); background: var(--nriol-light); }
.mega-col-icon { width: 28px; height: 28px; border-radius: 6px; display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; }
.mega-col-icon.blue { background: #dbeafe; color: #1d4ed8; }
.mega-col-icon.amber { background: #fef3c7; color: #b45309; }
.mega-col-title { font-size: 11.5px; font-weight: 700; letter-spacing: 0.5px; color: var(--nriol-navy); line-height: 1.2; }
.mega-col-sub { font-size: 10px; color: var(--nriol-muted); font-weight: 400; margin-top: 1px; }
.mega-col a { display: block; padding: 8px 16px; font-size: 13px; color: var(--nriol-text); text-decoration: none; transition: background .12s, color .12s; line-height: 1.3; }
.mega-col a:hover { background: var(--nriol-light); color: var(--nriol-mid); }
.mega-col a.mega-compare { margin: 6px 12px 0; padding: 6px 10px; font-size: 12px; font-weight: 600; color: var(--nriol-mid); border: 1px solid var(--nriol-border); border-radius: 6px; text-align: center; transition: background .15s, border-color .15s; }
.mega-col a.mega-compare:hover { background: #eff6ff; border-color: var(--nriol-mid); color: var(--nriol-blue); }

/* ── Nav right ── */
#nriol-nav-right { display: flex; align-items: center; gap: 14px; margin-left: auto; flex-shrink: 0; }
.nriol-wa-icon { display: flex; align-items: center; justify-content: center; width: 38px; height: 38px; background: #25d366; border-radius: 50%; text-decoration: none; flex-shrink: 0; transition: background .2s, transform .15s; }
.nriol-wa-icon:hover { background: #1ebe5d; transform: translateY(-1px); }
.nriol-phone-btn { display: flex; align-items: center; gap: 6px; color: var(--nriol-navy); font-size: 14px; font-weight: 700; text-decoration: none; white-space: nowrap; transition: color .2s; }
.nriol-phone-btn:hover { color: var(--nriol-mid); }
.nriol-phone-btn svg { width: 15px; height: 15px; flex-shrink: 0; }

/* ── Hamburger ── */
#nriol-hamburger { display: none; flex-direction: column; justify-content: center; gap: 5px; cursor: pointer; padding: 8px; margin-left: auto; background: none; border: none; }
#nriol-hamburger span { display: block; width: 24px; height: 2px; background: var(--nriol-navy); border-radius: 2px; }

/* ── Mobile menu ── */
#nriol-mobile-menu { display: none; background: var(--nriol-white); border-top: 1px solid var(--nriol-border); padding: 8px 0 20px; box-shadow: 0 8px 24px rgba(13,36,68,.1); }
#nriol-mobile-menu.open { display: block; }
.mob-item { border-bottom: 1px solid var(--nriol-border); }
.mob-item > a, .mob-item > .mob-toggle { display: flex; justify-content: space-between; align-items: center; padding: 13px 24px; font-size: 14px; font-weight: 500; color: var(--nriol-text); text-decoration: none; cursor: pointer; user-select: none; }
.mob-caret { font-size: 10px; color: var(--nriol-muted); transition: transform .2s; display: inline-block; }
.mob-item.mob-open > .mob-toggle .mob-caret { transform: rotate(180deg); }
.mob-sub { display: none; background: var(--nriol-light); }
.mob-item.mob-open > .mob-sub { display: block; }
.mob-sub-grid { display: grid; grid-template-columns: 1fr 1fr; border-bottom: 1px solid var(--nriol-border); }
.mob-sub-col { padding: 8px 0 12px; }
.mob-sub-col + .mob-sub-col { border-left: 1px solid var(--nriol-border); }
.mob-sub-label { display: block; padding: 8px 20px 4px; font-size: 10px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--nriol-muted); }
.mob-sub a { display: block; padding: 7px 20px; font-size: 12.5px; color: var(--nriol-text); text-decoration: none; }
.mob-sub a:hover { color: var(--nriol-mid); }
.mob-sub a.mob-compare { margin: 6px 12px 0; padding: 6px 8px; font-size: 11.5px; font-weight: 600; color: var(--nriol-mid); border: 1px solid var(--nriol-border); border-radius: 6px; text-align: center; }
.mob-sub-plain a { display: block; padding: 9px 32px; font-size: 13.5px; color: var(--nriol-text); text-decoration: none; }
.mob-sub-plain a:hover { color: var(--nriol-mid); }
.mob-actions { display: flex; align-items: center; gap: 14px; padding: 16px 24px 0; }
.mob-wa-icon { display: flex; align-items: center; justify-content: center; width: 40px; height: 40px; background: #25d366; border-radius: 50%; text-decoration: none; flex-shrink: 0; }
.mob-phone { font-size: 15px; font-weight: 700; color: var(--nriol-navy); text-decoration: none; }
.mob-phone:hover { color: var(--nriol-mid); }

/* ── Footer ── */
.nriol-footer { background: #1a2340; color: #cdd4e8; font-family: 'Segoe UI', Arial, sans-serif; font-size: 14px; padding: 0; margin: 0; }
.nriol-footer__main { padding: 40px 32px 28px; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; gap: 28px 20px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.nriol-footer__brand-name { font-size: 18px; font-weight: 700; color: #ffffff; margin: 0 0 4px; letter-spacing: 0.2px; }
.nriol-footer__brand-tagline { font-size: 12px; color: #7f8fa8; margin: 0 0 16px; }
.nriol-footer__contact { margin-bottom: 14px; }
.nriol-footer__phone { display: flex; align-items: center; gap: 8px; color: #ffffff; font-size: 17px; font-weight: 700; margin-bottom: 6px; text-decoration: none; }
.nriol-footer__phone svg, .nriol-footer__email svg { flex-shrink: 0; }
.nriol-footer__email { display: flex; align-items: center; gap: 8px; font-size: 13px; }
.nriol-footer__email a { color: #b0bacc; text-decoration: none; }
.nriol-footer__email a:hover { color: #ffffff; text-decoration: underline; }
.nriol-footer__whatsapp { display: inline-flex; align-items: center; gap: 7px; background: #25d366; color: #ffffff; font-size: 13px; font-weight: 600; border-radius: 20px; padding: 7px 16px; margin-top: 12px; text-decoration: none; }
.nriol-footer__whatsapp:hover { background: #1ebe5d; color: #ffffff; }
.nriol-footer__col-title { font-size: 13px; font-weight: 700; color: #ffffff; letter-spacing: 0.8px; text-transform: uppercase; margin: 0 0 16px; padding-bottom: 8px; border-bottom: 2px solid #2e4070; }
.nriol-footer__links { list-style: none; padding: 0; margin: 0; }
.nriol-footer__links li { margin-bottom: 9px; line-height: 1.4; }
.nriol-footer__links a { font-size: 13px; color: #99a9c0; text-decoration: none; }
.nriol-footer__links a:hover { color: #ffffff; text-decoration: underline; }
.nriol-footer__bottom { background: #111827; padding: 16px 32px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.nriol-footer__copy { font-size: 12px; color: #5a6a82; margin: 0; }
.nriol-footer__bottom-links { display: flex; gap: 20px; list-style: none; padding: 0; margin: 0; flex-wrap: wrap; }
.nriol-footer__bottom-links a { font-size: 12px; color: #5a6a82; text-decoration: none; }
.nriol-footer__bottom-links a:hover { color: #ffffff; text-decoration: underline; }

.header-not-sticky {
position: relative !important;
top: auto !important;
}

.nav-sticky {
position: sticky !important;
top: 0 !important;
z-index: 999 !important;
}
.inf-comp-wrap { overflow-x: auto; border-radius: 10px; box-shadow: 0 2px 12px rgba(0,0,0,0.08); border: 1px solid #dee2e6; margin-top: 20px; }
.inf-comp-wrap table { width: 100%; border-collapse: collapse; font-size: 14px; }
.inf-comp-wrap thead tr { background-color: #264a9f; }
.inf-comp-wrap thead th { padding: 13px 16px; text-align: left; font-weight: 600; color: #fff; white-space: nowrap; }
.inf-comp-wrap tbody tr { border-bottom: 1px solid #dee2e6; }
.inf-comp-wrap tbody tr:last-child { border-bottom: none; }
.inf-comp-wrap tbody tr:hover { background: #f7f9fc; }
.inf-comp-wrap tbody td { padding: 11px 16px; font-size: 13.5px; color: #253858; }
.inf-comp-wrap tbody td:first-child { font-weight: 600; color: #264a9f; }

.inf-scenario-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: 14px; margin-top: 20px; }
.inf-scenario-card { background: #fff; border: 1px solid #dee2e6; border-radius: 10px; padding: 18px 14px; text-align: center; }
.inf-sc-icon  { font-size: 28px; margin-bottom: 8px; }
.inf-sc-title {  font-size: 13.5px; color: #264a9f; margin-bottom: 4px; }
.inf-sc-desc  { font-size: 12px; color: #6b7280; margin-bottom: 8px; }
.inf-sc-plan  { font-size: 12px;  color: #e8671a; }

@media (max-width: 576px) {
.inf-scenario-grid { grid-template-columns: 1fr 1fr; }
}







/* ── WHO NEEDS ── */
.who-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px,1fr)); gap: 14px; }
.who-card {
background: var(--off); border: 1px solid var(--border); border-radius: 12px;
padding: 20px 18px; display: flex; align-items: flex-start; gap: 14px;
}
.who-text .wt {  font-size: 14px; color: var(--navy); margin-bottom: 4px; }
.who-text .wd { font-size: 13px; color: var(--muted); }

.ctype-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 24px; }
.ctype-card { border-radius: 14px; padding: 26px; }
.ctype-card.acute { background: #fff8f0; border: 2px solid #e8671a; }
.ctype-card.full  { background: #edf7f2; border: 2px solid #1a7a4a; }
.ctype-card .ct-label { font-size: 11px;  letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 8px; }
.ctype-card.acute .ct-label { color: #e8671a; }
.ctype-card.full  .ct-label { color: #1a7a4a; }
.ctype-card h3 { font-size: 18px; color: #0f2044; margin-bottom: 10px; font-weight: 600; }
.ctype-card p  { font-size: 14px; color: #5a5857; margin-bottom: 14px; line-height: 1.65; }
.ctype-list { list-style: none; padding: 0; margin: 0; }
.ctype-list li { font-size: 13px; color: #1c1c1c; padding: 5px 0; display: flex; gap: 8px; align-items: flex-start; border-bottom: 1px solid rgba(0,0,0,0.05); }
.ctype-list li:last-child { border-bottom: none; }
.ctype-list .ck { flex-shrink: 0; font-size: 15px;  }
.ctype-card.acute .ck { color: #e8671a; }
.ctype-card.full  .ck { color: #1a7a4a; }
.ctype-best { font-size: 13px;  margin-top: 14px; padding: 10px 14px; border-radius: 8px; }
.ctype-card.acute .ctype-best { background: rgba(232,103,26,0.1); color: #8a3a00; }
.ctype-card.full  .ctype-best { background: rgba(26,122,74,0.1); color: #1a7a4a; }
@media (max-width: 640px) {
.ctype-grid { grid-template-columns: 1fr; }
}

/* Coverage Cards Grid */
.coverage-grid {
display: grid;
grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
gap: 16px;
}

.coverage-card {
background: white;
border: 0.5px solid #ddd;
border-radius: 12px;
padding: 1.5rem;
cursor: pointer;
transition: all 0.2s ease;
}

.coverage-card:hover {
border-color: #bbb;
box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.card-header {
align-items: center;
gap: 8px;
margin-bottom: 1rem;
}

.card-icon {
font-size: 20px;
width: 24px;
height: 24px;
display: flex;
align-items: center;
justify-content: center;
}

.card-icon.info {
color: #378ADD;
}

.card-icon.warning {
color: #BA7517;
}

.card-icon.success {
color: #3B6D11;
}

.card-title {
font-size: 14px;
font-weight: 500;
color: #1a1a19;
}

.card-amount {
font-size: 22px;
font-weight: 600;
color: #1a1a19;
margin: 0.5rem 0 1rem 0;
}

.card-description {
font-size: 13px;
color: #666;
margin: 0 0 0.75rem 0;
line-height: 1.6;
}

.card-benefit {
font-size: 12px;
color: #999;
margin: 0;
font-weight: 500;
}

/* Divider */
.divider {
border-top: 0.5px solid #ddd;
padding-top: 2rem;
margin-top: 2rem;
}

/* Deductible Cards */
.deductible-grid {
display: grid;
grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
gap: 16px;
}

.deductible-card {
background: #f9f9f9;
border-radius: 8px;
padding: 1.25rem;
border: 0.5px solid #ddd;
}

.deductible-card:hover {
background: white;
border-color: #bbb;
}

.deductible-amount {
font-size: 16px;
font-weight: 600;
color: #1a1a19;
margin: 0 0 0.75rem 0;
}

.deductible-label {
font-size: 13px;
color: #666;
margin: 0 0 1rem 0;
}

.deductible-divider {
margin-top: 1rem;
padding-top: 1rem;
border-top: 0.5px solid #ddd;
}

.benefit-list {
display: flex;
flex-direction: column;
gap: 6px;
}

.benefit-item {
font-size: 12px;
color: #999;
display: flex;
align-items: center;
gap: 6px;
}

.benefit-check {
color: #3B6D11;
font-weight: bold;
}

.benefit-minus {
color: #bbb;
font-weight: bold;
}

/* Responsive */
@media (max-width: 768px) {
body {
padding: 1.5rem 0.75rem;
}

.coverage-grid {
grid-template-columns: 1fr;
}

.deductible-grid {
grid-template-columns: 1fr;
}

h2 {
font-size: 16px;
}

.card-amount {
font-size: 20px;
}
}

/* Dark Mode */
@media (prefers-color-scheme: dark) {
body {
background-color: #1a1a19;
}

.coverage-card,
.deductible-card {
background: #2a2a29;
border-color: #444;
}

.coverage-card:hover,
.deductible-card:hover {
border-color: #555;
background: #333;
}

h2,
.card-title,
.card-amount,
.deductible-amount {
color: #f5f5f3;
}

.card-description,
.deductible-label,
.benefit-item {
color: #aaa;
}

.card-benefit {
color: #888;
}

.divider,
.deductible-divider {
border-color: #444;
}

.benefit-minus {
color: #666;
}
}

/* ===== HEADER STYLING ===== */
header {
background-color: #ffffff;
box-shadow: 0 2px 15px rgba(0, 0, 0, 0.1);
position: sticky;
top: 0;
z-index: 1050;
}

.container-fluid {
max-width: 1400px;
margin: 0 auto;
padding: 0 15px;
}

.header-wrapper {
display: flex;
align-items: center;
justify-content: space-between;
gap: 15px;
min-height: 70px;
}

/* ===== LOGO STYLING ===== */
.logo-container {
flex-shrink: 0;
display: flex;
align-items: center;
}

.logo-container a {
display: flex;
align-items: center;
text-decoration: none;
}

.logo-container img {
max-width: 170px;
height: auto;
display: block;
}

/* ===== NAVIGATION STYLING ===== */
.main-nav {
flex: 1;
min-width: 0;
}

.main-nav ul {
list-style: none;
display: flex;
gap: 5px;
align-items: center;
margin: 0;
padding: 0;
flex-wrap: wrap;
}

.main-nav li {
position: relative;
white-space: nowrap;
}

/* ===== DROPDOWN MENU ===== */
.drop-down {
position: relative;
}

.drop-down > a::after {
content: '▼';
font-size: 9px;
margin-left: 5px;
display: inline-block;
transition: transform 0.3s ease;
}

.drop-down > ul {
visibility: hidden;
opacity: 0;
position: absolute;
top: calc(100% + 8px);
left: 0;
background: #ffffff;
border: 1px solid #e0e0e0;
border-radius: 8px;
box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
padding: 12px;
z-index: 1001;
min-width: max-content;
display: grid;
grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
gap: 8px;
max-width: 900px;
transition: visibility 0.3s ease, opacity 0.3s ease;
}

.drop-down:hover > ul {
visibility: visible;
opacity: 1;
}

.drop-down > ul > li {
margin: 0;
list-style: none;
}

.drop-down > ul > li > a {
display: block;
color: #333;
text-decoration: none;
font-size: 12px;
transition: all 0.3s ease;
border-left: 3px solid transparent;
border-radius: 4px;
white-space: normal;
}

.drop-down > ul > li > a:hover {
background-color: #f5f5f5;
color: #0066cc;
padding-left: 16px;
}

.drop-down:hover > a::after {
transform: rotate(180deg);
}

.sup-new {
background-color: #ff6b6b;
color: white;
padding: 2px 5px;
border-radius: 3px;
font-size: 9px;
font-weight: 600;
margin-left: 3px;
display: inline-block;
white-space: nowrap;
}

/* ===== CONTACT SECTION ===== */
.contact-section {
display: flex;
align-items: center;
gap: 18px;
flex-shrink: 0;
}

.contact-item {
display: flex;
align-items: center;
gap: 8px;
text-decoration: none;
color: #333;
transition: all 0.3s ease;
}

.contact-item:hover {
color: #0066cc;
}

/* WhatsApp Icon */
.whatsapp-icon {
width: 40px;
height: 40px;
display: flex;
align-items: center;
justify-content: center;
border-radius: 50%;
background-color: #f0f0f0;
transition: all 0.3s ease;
flex-shrink: 0;
}

.contact-item:hover .whatsapp-icon {
background-color: #25d366;
transform: scale(1.15);
}

.whatsapp-icon img {
width: 22px;
height: 22px;
}

/* Phone Call */
.phone-icon {
width: 38px;
height: 38px;
display: flex;
align-items: center;
justify-content: center;
background: linear-gradient(135deg, #0066cc, #0052a3);
color: white;
border-radius: 50%;
font-size: 18px;
transition: all 0.3s ease;
flex-shrink: 0;
}

.contact-item:hover .phone-icon {
background: linear-gradient(135deg, #0052a3, #003d7a);
transform: scale(1.1);
box-shadow: 0 4px 12px rgba(0, 102, 204, 0.4);
}

.phone-text {
display: flex;
flex-direction: column;
gap: 1px;
}

.phone-label {
font-size: 10px;
color: #999;
font-weight: 500;
}

.phone-number {
font-size: 14px;
font-weight: 700;
color: #333;
}

.contact-item:hover .phone-number {
color: #0066cc;
}

/* ===== MOBILE MENU TOGGLE ===== */
.mobile-toggle {
display: none;
background: none;
border: none;
font-size: 24px;
color: #333;
cursor: pointer;
padding: 8px;
border-radius: 4px;
transition: all 0.3s ease;
flex-shrink: 0;
}

.mobile-toggle:hover {
background-color: #f0f0f0;
}

/* ===== RESPONSIVE DESIGN ===== */
@media (max-width: 1200px) {
.main-nav > ul > li > a {
padding: 8px 11px;
font-size: 12px;
}

.drop-down > ul {
grid-template-columns: repeat(2, 1fr);
max-width: 480px;
padding: 10px;
}

.contact-section {
gap: 12px;
}

.phone-text {
display: none;
}

.phone-number {
display: none;
}

.phone-icon {
width: 36px;
height: 36px;
font-size: 16px;
}

.logo-container img {
max-width: 150px;
}
}

@media (max-width: 992px) {
.header-wrapper {
gap: 10px;
min-height: 65px;
}

.main-nav > ul {
gap: 3px;
}

.main-nav > ul > li > a {
padding: 8px 9px;
font-size: 11px;
}

.drop-down > ul {
grid-template-columns: repeat(2, 1fr);
max-width: 420px;
padding: 8px;
left: 50%;
transform: translateX(-50%);
top: calc(100% + 6px);
}

.contact-section {
gap: 10px;
}

.whatsapp-icon {
width: 36px;
height: 36px;
}

.whatsapp-icon img {
width: 20px;
height: 20px;
}

.logo-container img {
max-width: 140px;
}
}

@media (max-width: 768px) {
.header-wrapper {
flex-wrap: wrap;
padding: 10px 0;
min-height: auto;
gap: 8px;
}

.mobile-toggle {
display: block;
order: 2;
}

.logo-container {
order: 1;
}

.contact-section {
order: 3;
gap: 10px;
width: 100%;
justify-content: flex-start;
padding: 8px 0;
border-top: 1px solid #f0f0f0;
}

.main-nav {
flex-basis: 100%;
order: 4;
}

.main-nav.inactive {
display: none;
}

.main-nav.active {
display: block;
}

.main-nav ul {
flex-direction: column;
gap: 0;
width: 100%;
}

.main-nav > ul > li {
width: 100%;
}

.main-nav > ul > li > a {
padding: 12px 16px;
text-align: left;
font-size: 13px;
border-bottom: none;
border-radius: 0;
}

.main-nav > ul > li > a:hover {
background-color: #f5f5f5;
}

.drop-down > ul {
position: static;
visibility: visible;
opacity: 1;
box-shadow: none;
border: none;
background-color: #f9f9f9;
min-width: auto;
margin: 0;
padding: 0;
grid-template-columns: 1fr;
max-width: 100%;
transform: none;
top: auto;
display: none;
}

.drop-down.active > ul {
display: grid;
}

.drop-down > ul > li > a {
padding: 12px 16px 12px 40px;
border-radius: 0;
border-left: none;
}

.drop-down > ul > li > a:hover {
padding-left: 40px;
}

.drop-down > a::after {
position: absolute;
right: 16px;
transition: transform 0.3s ease;
}

.drop-down.active > a::after {
transform: rotate(180deg);
}

.phone-text {
display: flex;
}

.phone-number {
display: block;
font-size: 13px;
}

.phone-icon {
width: 36px;
height: 36px;
}

.logo-container img {
max-width: 130px;
}
}

@media (max-width: 480px) {
.header-wrapper {
padding: 8px 0;
}

.logo-container img {
max-width: 110px;
}

.contact-section {
width: 100%;
gap: 8px;
}

.whatsapp-icon {
width: 34px;
height: 34px;
}

.phone-icon {
width: 34px;
height: 34px;
font-size: 16px;
}

.phone-label {
font-size: 9px;
}

.phone-number {
font-size: 12px;
}

.main-nav > ul > li > a {
padding: 10px 14px;
font-size: 12px;
}
}

/* ===== ANIMATION ===== */
@keyframes slideDown {
from {
opacity: 0;
transform: translateY(-10px);
}
to {
opacity: 1;
transform: translateY(0);
}
}

.drop-down:hover > ul {
animation: slideDown 0.3s ease;
}

/* ── Footer ── */
.nriol-footer { background: #1a2340; color: #cdd4e8; font-family: 'Segoe UI', Arial, sans-serif; font-size: 14px; padding: 0; margin: 0; }
.nriol-footer__main { padding: 40px 32px 28px; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; gap: 28px 20px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.nriol-footer__brand-name { font-size: 18px; font-weight: 700; color: #ffffff; margin: 0 0 4px; letter-spacing: 0.2px; }
.nriol-footer__brand-tagline { font-size: 12px; color: #7f8fa8; margin: 0 0 16px; }
.nriol-footer__contact { margin-bottom: 14px; }
.nriol-footer__phone { display: flex; align-items: center; gap: 8px; color: #ffffff; font-size: 17px; font-weight: 700; margin-bottom: 6px; text-decoration: none; }
.nriol-footer__phone svg, .nriol-footer__email svg { flex-shrink: 0; }
.nriol-footer__email { display: flex; align-items: center; gap: 8px; font-size: 13px; }
.nriol-footer__email a { color: #b0bacc; text-decoration: none; }
.nriol-footer__email a:hover { color: #ffffff; text-decoration: underline; }
.nriol-footer__whatsapp { display: inline-flex; align-items: center; gap: 7px; background: #25d366; color: #ffffff; font-size: 13px; font-weight: 600; border-radius: 20px; padding: 7px 16px; margin-top: 12px; text-decoration: none; }
.nriol-footer__whatsapp:hover { background: #1ebe5d; color: #ffffff; }
.nriol-footer__col-title { font-size: 13px; font-weight: 700; color: #ffffff; letter-spacing: 0.8px; text-transform: uppercase; margin: 0 0 16px; padding-bottom: 8px; border-bottom: 2px solid #2e4070; }
.nriol-footer__links { list-style: none; padding: 0; margin: 0; }
.nriol-footer__links li { margin-bottom: 9px; line-height: 1.4; }
.nriol-footer__links a { font-size: 13px; color: #99a9c0; text-decoration: none; }
.nriol-footer__links a:hover { color: #ffffff; text-decoration: underline; }
.nriol-footer__bottom { background: #111827; padding: 16px 32px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.nriol-footer__copy { font-size: 12px; color: #5a6a82; margin: 0; }
.nriol-footer__bottom-links { display: flex; gap: 20px; list-style: none; padding: 0; margin: 0; flex-wrap: wrap; }
.nriol-footer__bottom-links a { font-size: 12px; color: #5a6a82; text-decoration: none; }
.nriol-footer__bottom-links a:hover { color: #ffffff; text-decoration: underline; }

/* ── Responsive ── */
@media (max-width: 900px) {
 #nriol-nav-list, #nriol-nav-right { display: none; }
 #nriol-hamburger { display: flex; }
 #nriol-logo { margin-right: 0; }
}
@media (max-width: 860px) {
 .nriol-footer__main { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
 .hero { padding: 20px 0; }
 .hero-sub { margin-bottom: 0; }
}
@media (max-width: 640px) {
 .hero-stats { gap: 20px; }
 .cost-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
 .nriol-footer__main { grid-template-columns: 1fr; padding: 28px 18px 20px; }
 .nriol-footer__bottom { flex-direction: column; align-items: flex-start; padding: 14px 18px; }
}
@media (max-width: 480px) {
 .mob-sub-grid { grid-template-columns: 1fr; }
 .mob-sub-col + .mob-sub-col { border-left: none; border-top: 1px solid var(--nriol-border); }
}



/* ── Responsive ── */
@media (max-width: 900px) {
  #nriol-nav-list, #nriol-nav-right { display: none; }
  #nriol-hamburger { display: flex; }
  #nriol-logo { margin-right: 0; }
}
@media (max-width: 860px) {
  .nriol-footer__main { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .hero { padding: 20px 0; }
  .hero-sub { margin-bottom: 0; }
}
@media (max-width: 640px) {
  .hero-stats { gap: 20px; }
  .cost-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .nriol-footer__main { grid-template-columns: 1fr; padding: 28px 18px 20px; }
  .nriol-footer__bottom { flex-direction: column; align-items: flex-start; padding: 14px 18px; }
}
@media (max-width: 480px) {
  .mob-sub-grid { grid-template-columns: 1fr; }
  .mob-sub-col + .mob-sub-col { border-left: none; border-top: 1px solid var(--nriol-border); }
}