body {
  background: #faf7f2;
  color: #1b130e;
}

header {
  background: transparent;
}

header .nav-link,
header a {
  color: #fdfbf7;
}

.insurance-hero {
  position: relative;
  padding: 9rem 0 6rem 0;
  background: linear-gradient(
      180deg,
      rgba(16, 12, 10, 0.65) 0%,
      rgba(22, 16, 12, 0.5) 60%,
      rgba(27, 19, 14, 0.35) 100%
    ),
    url("../assets/images/innovation-2.webp") center/cover no-repeat;
}

.insurance-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 18% 18%, rgba(185, 146, 115, 0.28) 0, transparent 35%),
    radial-gradient(circle at 80% 10%, rgba(185, 146, 115, 0.22) 0, transparent 40%);
  pointer-events: none;
}

.insurance-hero .container {
  position: relative;
  z-index: 1;
}

.insurance-hero h1,
.insurance-hero p,
.insurance-hero .section-kicker {
  color: #fdfbf7;
}

.section-title {
  font-size: clamp(2rem, 3vw, 2.6rem);
  line-height: 1.15;
  font-family: InriaSans-Bold, sans-serif;
  color: #1d120c;
}

.section-kicker {
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: var(--color-accentPrimary);
  font-size: 0.85rem;
}

.hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.pill {
  padding: 0.65rem 1rem;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.04);
  font-size: 0.95rem;
  color: #e8e8e8;
}

.pill.accent {
  border-color: var(--color-accentPrimary);
  color: var(--color-accentPrimary);
  background: rgba(185, 146, 115, 0.08);
}

.section-card {
  height: 100%;
  padding: 1.75rem;
  border-radius: 18px;
  background: #ffffff;
  border: 1px solid rgba(185, 146, 115, 0.26);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.12);
  transition: transform 200ms ease, border-color 200ms ease, box-shadow 200ms ease;
  color: #2b211b;
}

.section-card:hover {
  transform: translateY(-6px);
  border-color: var(--color-accentPrimary);
  box-shadow: 0 20px 44px rgba(0, 0, 0, 0.18);
}

.card-kicker {
  font-size: 0.9rem;
  letter-spacing: 0.1em;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}

.card-title {
  font-size: 1.25rem;
  font-family: InriaSans-Bold, sans-serif;
  margin-bottom: 0.75rem;
  color: #1f150f;
}

.card-list {
  display: grid;
  gap: 0.5rem;
  color: #4c4038;
  padding-left: 1.2rem;
  list-style: disc;
}

.timeline {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.timeline-step {
  padding: 1.5rem;
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  background: #ffffff;
  border-color: rgba(185, 146, 115, 0.2);
  color: #2b211b;
}

.step-number {
  display: inline-block;
  padding: 0.4rem 0.75rem;
  border-radius: 999px;
  background: rgba(185, 146, 115, 0.12);
  color: var(--color-accentPrimary);
  font-size: 0.95rem;
  margin-bottom: 0.5rem;
}

.highlight-card {
  background: linear-gradient(180deg, rgba(185, 146, 115, 0.12), rgba(185, 146, 115, 0.04));
  border-color: rgba(185, 146, 115, 0.5);
  color: #2b211b;
}

.why-block .section-title,
.why-block p,
.why-block li {
  color: #f7f2ea;
}

.why-block .card-list {
  color: #e8e1d6;
}

@media (max-width: 768px) {
  .insurance-hero {
    padding-top: 8rem;
    padding-bottom: 5rem;
  }
}