.insurance-hero {
  background:
    linear-gradient(120deg, rgba(247,251,254,.99), rgba(234,246,255,.96) 54%, rgba(255,243,229,.98));
}
.insurance-hero .sdm-hero__grid { min-height: 42rem; }

.insurance-navigation {
  display:grid;
  grid-template-columns:repeat(5,minmax(0,1fr));
  gap:.75rem;
}

.insurance-navigation a {
  min-height:8rem;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  padding:1rem;
  border:1px solid var(--sdm-gray-300);
  border-radius:var(--sdm-radius-lg);
  background:#fff;
  color:var(--sdm-navy-800);
  text-decoration:none;
  font-weight:850;
}

.insurance-navigation a:hover {
  border-color:var(--sdm-blue-600);
  background:var(--sdm-blue-100);
}

.insurance-navigation span {
  color:var(--sdm-gray-600);
  font-size:.78rem;
  font-weight:600;
}

.insurance-stage-list {
  display:grid;
  gap:1rem;
}

.insurance-stage {
  display:grid;
  grid-template-columns:4rem minmax(0,1fr) minmax(15rem,.45fr);
  gap:1rem;
  padding:1.15rem;
  border:1px solid var(--sdm-gray-300);
  border-radius:var(--sdm-radius-lg);
  background:#fff;
}

.insurance-stage__number {
  width:3.2rem;
  height:3.2rem;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:var(--sdm-orange-600);
  color:var(--sdm-navy-900);
  font-weight:950;
}

.insurance-stage h2,
.insurance-stage h3 {
  margin:0 0 .35rem;
  color:var(--sdm-navy-800);
}

.insurance-stage__timing {
  padding:1rem;
  border-radius:var(--sdm-radius-md);
  background:var(--sdm-blue-100);
  color:var(--sdm-blue-700);
}

.insurance-stage__timing strong { display:block; }

.insurance-two-column {
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:1.25rem;
}

.insurance-answer {
  min-height:17rem;
  display:flex;
  flex-direction:column;
}

.insurance-answer p { flex:1; }

.insurance-boundary {
  padding:1.25rem;
  border-left:.35rem solid var(--sdm-orange-600);
  border-radius:0 var(--sdm-radius-md) var(--sdm-radius-md) 0;
  background:var(--sdm-orange-100);
  color:#654a30;
}

.insurance-checklist {
  display:grid;
  gap:.7rem;
}

.insurance-checklist label {
  display:grid;
  grid-template-columns:auto minmax(0,1fr);
  gap:.7rem;
  align-items:start;
  padding:.85rem;
  border:1px solid var(--sdm-gray-300);
  border-radius:var(--sdm-radius-md);
  background:#fff;
}

.insurance-checklist input {
  width:1.1rem;
  height:1.1rem;
  margin-top:.15rem;
  accent-color:var(--sdm-blue-600);
}

.insurance-faq {
  display:grid;
  gap:.75rem;
}

.insurance-faq details {
  border:1px solid var(--sdm-gray-300);
  border-radius:var(--sdm-radius-md);
  background:#fff;
}

.insurance-faq summary {
  cursor:pointer;
  padding:1rem;
  color:var(--sdm-navy-800);
  font-weight:850;
}

.insurance-faq details div {
  padding:0 1rem 1rem;
  color:var(--sdm-gray-700);
}

.insurance-source-list {
  display:grid;
  gap:.55rem;
  margin-top:1rem;
}

.insurance-source-list a {
  overflow-wrap:anywhere;
}

.insurance-split-card {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:1px;
  overflow:hidden;
  border:1px solid var(--sdm-gray-300);
  border-radius:var(--sdm-radius-xl);
  background:var(--sdm-gray-300);
}

.insurance-split-card > div {
  padding:1.3rem;
  background:#fff;
}

.insurance-split-card h2 { margin-top:0; }

@media(max-width:68rem){
  .insurance-navigation{grid-template-columns:repeat(3,minmax(0,1fr))}
  .insurance-stage{grid-template-columns:4rem minmax(0,1fr)}
  .insurance-stage__timing{grid-column:2}
}

@media(max-width:47.5rem){
  .insurance-navigation,.insurance-two-column,.insurance-split-card{grid-template-columns:1fr}
  .insurance-stage{grid-template-columns:1fr}
  .insurance-stage__timing{grid-column:auto}
}