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.section-title{text-align:left}.insurance-overview__subtitle{font-size:1.25rem;color:#e31e24;font-weight:600;margin-bottom:2rem}@media(min-width:768px){.insurance-overview__subtitle{font-size:1.5rem}}.insurance-overview__text{font-size:1rem;line-height:1.8;color:#2c3e50;margin-bottom:2rem}@media(min-width:768px){.insurance-overview__text{font-size:1.125rem}}.insurance-overview__features{display:flex;flex-direction:column;gap:2rem;margin-top:3rem}.insurance-overview__features .feature-item{display:flex;gap:1.5rem;align-items:flex-start}.insurance-overview__features .feature-item .feature-icon{width:48px;height:48px;color:#e31e24;flex-shrink:0}.insurance-overview__features .feature-item h4{font-size:1.125rem;font-weight:600;color:#1a2332;margin-bottom:.5rem}.insurance-overview__features .feature-item p{font-size:1rem;color:#7b8d9e;line-height:1.6}.insurance-overview__visual{position:relative}.insurance-overview__visual img{width:100%;height:auto;border-radius:12px;box-shadow:0 20px 40px #1a233233}.insurance-overview__badge{position:absolute;bottom:2rem;right:2rem;padding:2rem 3rem;text-align:center}.insurance-overview__badge .badge-number{font-size:2.5rem;font-weight:700;color:#e31e24;line-height:1;margin-bottom:.5rem}.insurance-overview__badge .badge-text{font-size:.875rem;opacity:.9}.insurance-types__grid{display:grid;grid-template-columns:1fr;gap:3rem}@media(min-width:576px){.insurance-types__grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:992px){.insurance-types__grid{grid-template-columns:repeat(3,1fr)}}.insurance-type-card{padding:3rem;background:#fffffff2;border:2px solid rgba(26,35,50,.1);border-radius:12px;transition:all .4s cubic-bezier(.4,0,.2,1);display:flex;flex-direction:column;position:relative;overflow:hidden}.insurance-type-card:before{content:"";position:absolute;top:0;left:-100%;width:100%;height:100%;background:linear-gradient(90deg,transparent,rgba(227,30,36,.05),transparent);transition:left .6s 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"}.insurance-type-card__gst-old{display:inline-block;background:linear-gradient(135deg,#7b8d9e,#617485);color:#fff;padding:.5rem 1.5rem;border-radius:9999px;font-size:.875rem;font-weight:700;margin:0 auto 2rem;text-align:center}.insurance-type-card__list{list-style:none;padding:0;margin:0 0 2rem;flex-grow:1}.insurance-type-card__list li{padding:1rem 0 1rem 2rem;font-size:1rem;color:#2c3e50;position:relative}.insurance-type-card__list li:before{content:"•";position:absolute;left:0;color:#e31e24;font-weight:700}.insurance-type-card__benefit{font-size:.875rem;color:#7b8d9e;font-style:italic;text-align:center;padding-top:1.5rem;border-top:1px solid rgba(26,35,50,.1)}.insurance-expert__grid{display:grid;grid-template-columns:1fr;gap:4rem;align-items:center}@media(min-width:992px){.insurance-expert__grid{grid-template-columns:1fr 1.2fr;gap:6rem}}.insurance-expert__image{position:relative;text-align:center}.insurance-expert__image .expert-image-container{position:relative;display:inline-block;padding:3rem 0 0;background:linear-gradient(135deg,#e31e241a,#7b8d9e1a);border-radius:16px;border:3px solid rgba(227,30,36,.5);box-shadow:0 20px 60px #0000004d}@media(min-width:768px){.insurance-expert__image .expert-image-container{padding-top:4rem}}.insurance-expert__image img{width:100%;max-width:345px;height:auto;display:block;filter:drop-shadow(0 10px 30px rgba(0,0,0,.3))}@media(min-width:768px){.insurance-expert__image img{max-width:400px}}.insurance-expert__badge{position:absolute;bottom:3rem;left:50%;transform:translate(-50%);padding:1.5rem 3rem;text-align:center;min-width:180px}.insurance-expert__badge .badge-stat{font-size:1.75rem;font-weight:700;color:#e31e24;line-height:1;margin-bottom:.5rem}.insurance-expert__badge .badge-label{font-size:.75rem;opacity:.9}.insurance-expert__content{color:#fff}.insurance-expert__label{display:inline-block;background:#e31e2433;color:#e31e24;padding:.5rem 1.5rem;border-radius:9999px;font-size:.875rem;font-weight:600;margin-bottom:1.5rem;text-transform:uppercase;letter-spacing:1px}.insurance-expert__name{font-size:1.875rem;font-weight:700;color:#fff;margin-bottom:1rem}@media(min-width:768px){.insurance-expert__name{font-size:2.5rem}}.insurance-expert__tagline{font-size:1.25rem;color:#ffffffe6;font-weight:500;margin-bottom:3rem}.insurance-expert__bio{font-size:1rem;line-height:1.8;color:#ffffffd9;margin-bottom:3rem}@media(min-width:768px){.insurance-expert__bio{font-size:1.125rem}}.insurance-expert__specialties{margin-bottom:3rem}.insurance-expert__specialties h4{font-size:1.125rem;font-weight:600;color:#fff;margin-bottom:1.5rem}.insurance-expert__specialties .specialty-tags{display:flex;flex-wrap:wrap;gap:1rem}.insurance-expert__specialties .specialty-tags span{display:inline-block;background:#ffffff1a;border:1px solid rgba(255,255,255,.2);color:#fff;padding:.5rem 1.5rem;border-radius:9999px;font-size:.875rem;transition:all .3s 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6rem}}.claim-process__cta{text-align:center;padding:6rem 4rem;background:linear-gradient(135deg,#1a2332,#111721);border-radius:16px;max-width:700px;margin:0 auto;position:relative;overflow:hidden;border:2px solid rgba(227,30,36,.3);box-shadow:0 10px 40px #1a233233}@media(max-width:450px){.claim-process__cta{padding:4rem 2rem}}.claim-process__cta:before{content:"";position:absolute;top:-50%;right:-50%;width:200%;height:200%;background:radial-gradient(circle,rgba(227,30,36,.1) 0%,transparent 70%);animation:float 20s infinite ease-in-out}.claim-process__cta h3{font-size:1.5rem;font-weight:700;color:#fff;margin-bottom:1rem;position:relative;z-index:2}@media(min-width:768px){.claim-process__cta h3{font-size:1.875rem}}.claim-process__cta p{font-size:1.125rem;color:#ffffffe6;margin-bottom:3rem;position:relative;z-index:2}.claim-process__cta .btn{position:relative;z-index:2;min-width:250px}@media(max-width:450px){.claim-process__cta .btn{min-width:100%;width:100%}}.process-step{position:relative;background:#fff;border-radius:16px;padding:3rem;text-align:center;box-shadow:0 4px 20px #1a233214;transition:all .4s cubic-bezier(.4,0,.2,1);border:2px solid transparent}.process-step:before{content:"";position:absolute;top:50%;right:-1.5rem;width:1.5rem;height:2px;background:linear-gradient(90deg,rgba(227,30,36,.5),transparent);transform:translateY(-50%);display:none}@media(min-width:768px){.process-step:before{display:block}}.process-step:last-child:before{display:none}.process-step:hover{transform:translateY(-10px) scale(1.02);box-shadow:0 20px 40px #e31e2426;border-color:#e31e24}.process-step:hover .process-step__number{transform:scale(1.1) rotate(360deg)}.process-step:hover .process-step__icon{transform:scale(1.1);background:linear-gradient(135deg,#e31e24,#b7171c)}.process-step:hover .process-step__icon svg{color:#fff}.process-step__number{width:50px;height:50px;margin:0 auto 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