.claims-page {
    --claims-accent: #1688c9;
    --claims-accent-dark: #0d5e8d;
    --claims-accent-soft: #eaf7fd;
    --claims-ink: #263440;
    --claims-muted: #60717d;
    --claims-line: #dce6eb;
    --claims-paper: #ffffff;
    background: #f5f8fa;
    color: var(--claims-ink);
}

.claims-page--morning {
    --claims-accent: #2f8a6c;
    --claims-accent-dark: #1d5f49;
    --claims-accent-soft: #eaf7f1;
}

.claims-main,
.claims-main * {
    box-sizing: border-box;
}

.claims-main {
    padding: 48px 0 88px;
    background:
        radial-gradient(circle at 8% 2%, var(--claims-accent-soft) 0, transparent 28%),
        linear-gradient(180deg, #ffffff 0, #f5f8fa 420px);
}

.claims-shell {
    width: min(1080px, calc(100% - 40px));
    margin: 0 auto;
}

.claims-hero {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 176px;
    gap: 44px;
    align-items: center;
    padding: 46px 52px;
    overflow: hidden;
    border: 1px solid var(--claims-line);
    border-radius: 28px;
    background: rgba(255, 255, 255, .96);
    box-shadow: 0 22px 60px rgba(38, 52, 64, .09);
    position: relative;
}

.claims-hero::after {
    content: "";
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: var(--claims-accent-soft);
    position: absolute;
    right: -84px;
    bottom: -132px;
}

.claims-hero > * {
    min-width: 0;
}

.claims-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 14px;
    color: var(--claims-accent-dark);
    font-size: .92rem;
    font-weight: 800;
    letter-spacing: .12em;
}

.claims-eyebrow::before {
    content: "";
    width: 28px;
    height: 3px;
    border-radius: 999px;
    background: var(--claims-accent);
}

.claims-hero h2 {
    margin: 0;
    color: var(--claims-ink);
    font-size: clamp(2rem, 4vw, 3.25rem);
    font-weight: 800;
    line-height: 1.24;
    letter-spacing: -.035em;
}

.claims-hero p {
    max-width: 690px;
    margin: 18px 0 0;
    color: var(--claims-muted);
    font-size: 1.06rem;
    line-height: 1.9;
    overflow-wrap: anywhere;
}

.claims-hero__mark {
    width: 156px;
    height: 156px;
    display: grid;
    place-items: center;
    border-radius: 44px;
    background: linear-gradient(145deg, var(--claims-accent), var(--claims-accent-dark));
    box-shadow: 0 18px 36px color-mix(in srgb, var(--claims-accent) 28%, transparent);
    color: #fff;
    position: relative;
    z-index: 1;
    transform: rotate(3deg);
}

.claims-hero__mark svg {
    width: 78px;
    height: 78px;
    fill: none;
    stroke: currentColor;
    stroke-linecap: round;
    stroke-linejoin: round;
    stroke-width: 1.8;
}

.claims-facts {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 22px 0 0;
}

.claims-fact {
    min-height: 154px;
    padding: 24px;
    border: 1px solid var(--claims-line);
    border-radius: 20px;
    background: var(--claims-paper);
    box-shadow: 0 10px 30px rgba(38, 52, 64, .055);
}

.claims-fact__label {
    display: block;
    margin-bottom: 10px;
    color: var(--claims-accent-dark);
    font-size: .82rem;
    font-weight: 800;
    letter-spacing: .12em;
}

.claims-fact strong {
    display: block;
    color: var(--claims-ink);
    font-size: 1.22rem;
    line-height: 1.45;
}

.claims-fact p {
    margin: 8px 0 0;
    color: var(--claims-muted);
    font-size: .92rem;
    line-height: 1.65;
}

.claims-nav {
    margin: 22px 0 30px;
    padding: 12px;
    border: 1px solid var(--claims-line);
    border-radius: 18px;
    background: rgba(255, 255, 255, .96);
    box-shadow: 0 8px 24px rgba(38, 52, 64, .05);
}

.claims-nav__list {
    display: flex;
    gap: 8px;
    margin: 0;
    padding: 0;
    list-style: none;
}

.claims-nav a {
    min-height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex: 1 0 auto;
    padding: 10px 14px;
    border-radius: 12px;
    color: var(--claims-ink);
    font-size: .92rem;
    font-weight: 700;
    text-decoration: none;
    transition: background-color .2s ease, color .2s ease, transform .2s ease;
}

.claims-nav a:hover,
.claims-nav a:focus-visible {
    background: var(--claims-accent-soft);
    color: var(--claims-accent-dark);
    transform: translateY(-1px);
}

.claims-nav a:focus-visible {
    outline: 3px solid color-mix(in srgb, var(--claims-accent) 30%, transparent);
    outline-offset: 2px;
}

.claims-section {
    scroll-margin-top: 96px;
    margin-top: 18px;
    padding: 38px 42px;
    border: 1px solid var(--claims-line);
    border-radius: 24px;
    background: var(--claims-paper);
    box-shadow: 0 12px 34px rgba(38, 52, 64, .055);
}

.claims-section__heading {
    display: flex;
    gap: 18px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.claims-section__number {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    flex: 0 0 48px;
    border-radius: 15px;
    background: var(--claims-accent-soft);
    color: var(--claims-accent-dark);
    font-size: .86rem;
    font-weight: 900;
    letter-spacing: .06em;
}

.claims-section h2 {
    margin: 0;
    color: var(--claims-ink);
    font-size: clamp(1.35rem, 2.6vw, 1.78rem);
    font-weight: 800;
    line-height: 1.4;
}

.claims-section__lead {
    margin: 5px 0 0;
    color: var(--claims-muted);
    font-size: .94rem;
    line-height: 1.7;
}

.claims-points,
.claims-exclusions {
    margin: 0;
    padding: 0;
    list-style: none;
}

.claims-points {
    display: grid;
    gap: 12px;
}

.claims-points li {
    padding: 18px 20px 18px 50px;
    border-radius: 16px;
    background: #f7fafb;
    color: var(--claims-ink);
    line-height: 1.85;
    position: relative;
}

.claims-points li::before {
    content: "✓";
    width: 24px;
    height: 24px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--claims-accent);
    color: #fff;
    font-size: .78rem;
    font-weight: 900;
    position: absolute;
    top: 19px;
    left: 16px;
}

.claims-standard {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.claims-standard__card {
    padding: 25px;
    border-radius: 18px;
    background: var(--claims-accent-soft);
}

.claims-standard__card span {
    display: block;
    margin-bottom: 8px;
    color: var(--claims-accent-dark);
    font-size: .84rem;
    font-weight: 800;
    letter-spacing: .08em;
}

.claims-standard__card strong {
    display: block;
    color: var(--claims-ink);
    font-size: 1.2rem;
    line-height: 1.5;
}

.claims-standard__card p,
.claims-callout p,
.claims-closing p {
    margin: 10px 0 0;
    color: var(--claims-muted);
    line-height: 1.85;
}

.claims-callout {
    padding: 26px 28px;
    border-left: 5px solid var(--claims-accent);
    border-radius: 6px 18px 18px 6px;
    background: var(--claims-accent-soft);
}

.claims-callout strong {
    display: block;
    color: var(--claims-accent-dark);
    font-size: 1.15rem;
}

.claims-exclusions {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    counter-reset: exclusions;
}

.claims-exclusions li {
    min-height: 132px;
    padding: 22px 22px 22px 64px;
    border: 1px solid var(--claims-line);
    border-radius: 18px;
    background: #fbfcfd;
    color: var(--claims-ink);
    line-height: 1.75;
    counter-increment: exclusions;
    position: relative;
}

.claims-exclusions li::before {
    content: counter(exclusions, upper-alpha);
    width: 34px;
    height: 34px;
    display: grid;
    place-items: center;
    border-radius: 11px;
    background: var(--claims-accent-soft);
    color: var(--claims-accent-dark);
    font-size: .9rem;
    font-weight: 900;
    position: absolute;
    top: 20px;
    left: 18px;
}

.claims-exclusions small {
    display: block;
    margin-top: 8px;
    color: var(--claims-muted);
    font-size: .86rem;
    line-height: 1.65;
}

.claims-closing {
    margin-top: 22px;
    padding: 30px 34px;
    border-radius: 22px;
    background: linear-gradient(135deg, var(--claims-accent-dark), var(--claims-accent));
    color: #fff;
}

.claims-closing h2 {
    margin: 0;
    color: #fff;
    font-size: 1.35rem;
    font-weight: 800;
}

.claims-closing p {
    color: rgba(255, 255, 255, .88);
}

@media (max-width: 767.98px) {
    .claims-main {
        padding: 26px 0 60px;
    }

    .claims-shell {
        width: calc(100% - 28px);
        max-width: 680px;
    }

    .claims-hero {
        grid-template-columns: 1fr;
        gap: 24px;
        padding: 30px 24px;
        border-radius: 22px;
    }

    .claims-hero__mark {
        width: 88px;
        height: 88px;
        grid-row: 1;
        border-radius: 26px;
        transform: none;
    }

    .claims-hero__mark svg {
        width: 48px;
        height: 48px;
    }

    .claims-hero p {
        font-size: .98rem;
        line-height: 1.8;
    }

    .claims-facts,
    .claims-standard,
    .claims-exclusions {
        grid-template-columns: 1fr;
    }

    .claims-fact {
        min-height: auto;
        padding: 20px;
    }

    .claims-nav {
        margin-bottom: 22px;
        overflow-x: auto;
        overscroll-behavior-inline: contain;
        scrollbar-width: thin;
    }

    .claims-nav__list {
        width: max-content;
    }

    .claims-nav a {
        min-width: 118px;
    }

    .claims-section {
        padding: 28px 20px;
        border-radius: 20px;
    }

    .claims-section__heading {
        gap: 13px;
        margin-bottom: 20px;
    }

    .claims-section__number {
        width: 42px;
        height: 42px;
        flex-basis: 42px;
        border-radius: 13px;
    }

    .claims-points li {
        padding: 16px 16px 16px 45px;
    }

    .claims-points li::before {
        top: 17px;
        left: 13px;
    }

    .claims-standard__card,
    .claims-callout,
    .claims-closing {
        padding: 22px;
    }

    .claims-exclusions li {
        min-height: auto;
    }
}

@media (prefers-reduced-motion: reduce) {
    .claims-nav a {
        transition: none;
    }
}

@media print {
    .claims-main {
        padding: 0;
        background: #fff;
    }

    .claims-nav,
    .claims-hero__mark {
        display: none;
    }

    .claims-hero,
    .claims-fact,
    .claims-section {
        box-shadow: none;
        break-inside: avoid;
    }
}