/*
Theme Name: PolicyMaart V14.7 — Claims + Critical + Callback
Theme URI: https://policymaart.com/
Description: PolicyMaart customer website built as a safe child theme of Reobiz.
Author: PolicyMaart
Version: 14.7.0
Template: reobiz
Text Domain: policymart
*/

:root{
  --pm-blue:#0b4ea2;
  --pm-blue-dark:#07356f;
  --pm-orange:#ff8a00;
  --pm-orange-2:#ffb13b;
  --pm-ink:#10233f;
  --pm-muted:#61708a;
  --pm-bg:#f6f9fd;
  --pm-white:#fff;
  --pm-line:#e5ebf3;
  --pm-green:#13a86b;
  --pm-shadow:0 24px 70px rgba(14,48,91,.13);
  --pm-radius:28px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0!important;
  background:var(--pm-bg)!important;
  color:var(--pm-ink);
  font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif!important;
}
body:before,body:after{display:none!important}
a{color:inherit}
img{max-width:100%;height:auto}
.pm-shell{width:min(1240px,calc(100% - 48px));margin:auto}
.pm-header{
  position:fixed;z-index:1000;top:18px;left:50%;transform:translateX(-50%);
  width:min(1240px,calc(100% - 34px));height:76px;
  background:rgba(255,255,255,.94);backdrop-filter:blur(18px);
  border:1px solid rgba(255,255,255,.85);border-radius:24px;
  box-shadow:0 14px 45px rgba(16,35,63,.12);
}
.pm-header-inner{height:100%;display:flex;align-items:center;gap:28px;padding:0 18px}
.pm-logo{display:flex;align-items:center;min-width:205px}
.pm-logo img{width:205px;height:auto;display:block}
.pm-nav{display:flex;align-items:center;justify-content:flex-end;gap:4px;flex:1}
.pm-nav a{font-size:15px;font-weight:700;text-decoration:none;padding:12px 14px;border-radius:14px;color:#294d7c;transition:.2s}
.pm-nav a:hover,.pm-nav a.active{background:#eef5ff;color:var(--pm-blue)}
.pm-quote-btn,.pm-button{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  background:linear-gradient(135deg,var(--pm-orange),#ff6d1d);color:#fff!important;
  border:0;border-radius:999px;padding:15px 23px;font-weight:800;text-decoration:none;
  box-shadow:0 12px 26px rgba(255,123,24,.25);transition:.25s;cursor:pointer
}
.pm-quote-btn:hover,.pm-button:hover{transform:translateY(-3px);box-shadow:0 18px 34px rgba(255,123,24,.32)}
.pm-menu-toggle{display:none;margin-left:auto;border:0;background:#eef5ff;border-radius:14px;width:46px;height:46px;font-size:24px;color:var(--pm-blue)}
.pm-hero{padding:150px 0 80px;overflow:hidden;position:relative;background:linear-gradient(180deg,#edf6ff 0%,#fff 72%)}
.pm-hero:before{content:"";position:absolute;width:520px;height:520px;background:rgba(255,166,43,.15);border-radius:50%;right:-180px;top:-170px;filter:blur(3px)}
.pm-hero-grid{position:relative;display:grid;grid-template-columns:1fr 1.05fr;align-items:center;gap:40px}
.pm-eyebrow{display:inline-flex;padding:8px 13px;border-radius:999px;background:#eaf3ff;color:var(--pm-blue);font-weight:800;font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.pm-hero h1{font-size:clamp(44px,5.2vw,72px);line-height:.98;letter-spacing:-.055em;margin:20px 0;color:#092e62}
.pm-hero h1 span{color:var(--pm-orange)}
.pm-lead{font-size:19px;line-height:1.7;color:var(--pm-muted);max-width:610px;margin:0 0 28px}
.pm-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.pm-secondary{display:inline-flex;padding:14px 20px;border-radius:999px;border:1px solid #d7e2ef;background:#fff;color:var(--pm-blue);font-weight:800;text-decoration:none}
.pm-hero-visual{position:relative;min-height:530px}
.pm-hero-image{position:absolute;inset:0 0 20px 20px;border-radius:34px;overflow:hidden;box-shadow:var(--pm-shadow);transform:rotate(1deg)}
.pm-hero-image img{width:100%;height:100%;object-fit:cover}
.pm-float-card{position:absolute;background:rgba(255,255,255,.95);border:1px solid #e7edf5;border-radius:22px;padding:18px;box-shadow:0 20px 55px rgba(10,44,85,.17);transition:.35s}
.pm-float-card:hover{transform:translateY(-8px) rotate(-1deg)}
.pm-card-top{top:30px;left:-12px;width:220px}
.pm-card-bottom{bottom:28px;right:-14px;width:250px}
.pm-float-icon{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:#eef6ff;color:var(--pm-blue);font-size:21px}
.pm-float-card strong{display:block;margin:10px 0 4px}
.pm-float-card small{color:var(--pm-muted);line-height:1.45}
.pm-products{padding:90px 0;background:#fff;position:relative}
.pm-section-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:30px}
.pm-kicker{font-size:13px;text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:var(--pm-orange)}
.pm-section-head h2{font-size:clamp(34px,4vw,54px);line-height:1.02;margin:7px 0 0;color:#0b376f;letter-spacing:-.04em}
.pm-section-head p{max-width:520px;color:var(--pm-muted);line-height:1.7;margin:0}
.pm-product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pm-product{position:relative;min-height:430px;border:1px solid #e7edf5;border-radius:30px;overflow:hidden;background:#fff;box-shadow:0 15px 45px rgba(17,54,93,.07);transition:.35s;text-decoration:none}
.pm-product:hover{transform:translateY(-9px);box-shadow:0 28px 65px rgba(17,54,93,.14)}
.pm-product-img{height:245px;overflow:hidden}
.pm-product-img img{width:100%;height:100%;object-fit:cover;transition:.5s}
.pm-product:hover .pm-product-img img{transform:scale(1.045)}
.pm-product-body{padding:23px}
.pm-product-body h3{margin:0 0 8px;font-size:25px;color:#0b376f}
.pm-product-body p{color:var(--pm-muted);line-height:1.6;margin:0 0 18px}
.pm-link{color:var(--pm-blue);font-weight:900}
.pm-motor-strip{margin-top:18px;display:flex;gap:8px;flex-wrap:wrap}
.pm-chip{background:#f1f6fc;color:#31557e;border-radius:999px;padding:7px 11px;font-size:12px;font-weight:800}
.pm-story{padding:90px 0;background:var(--pm-bg)}
.pm-story-grid{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}
.pm-story-image{border-radius:32px;overflow:hidden;box-shadow:var(--pm-shadow)}
.pm-story-image img{display:block;width:100%;aspect-ratio:1.2;object-fit:cover}
.pm-story h2{font-size:clamp(35px,4vw,54px);line-height:1.04;letter-spacing:-.04em;color:#0b376f;margin:10px 0 18px}
.pm-story p{color:var(--pm-muted);line-height:1.8;font-size:17px}
.pm-list{list-style:none;padding:0;margin:22px 0;display:grid;gap:12px}
.pm-list li{display:flex;gap:12px;align-items:flex-start;font-weight:700;color:#24496f}
.pm-list li:before{content:"✓";width:25px;height:25px;flex:none;display:grid;place-items:center;border-radius:50%;background:#e9f8f0;color:var(--pm-green);font-weight:900}
.pm-trust{padding:25px 0;background:#0b376f;color:#fff}
.pm-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.pm-trust-item{padding:18px 20px;border-right:1px solid rgba(255,255,255,.14)}
.pm-trust-item:last-child{border:0}
.pm-trust-item strong{display:block;font-size:24px}
.pm-trust-item span{color:#cbdcf0;font-size:13px}
.pm-steps{padding:90px 0;background:#fff}
.pm-step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.pm-step{padding:28px;border:1px solid var(--pm-line);border-radius:24px;background:#fff}
.pm-step-num{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#edf5ff;color:var(--pm-blue);font-weight:900}
.pm-step h3{margin:20px 0 9px;color:#0b376f}
.pm-step p{color:var(--pm-muted);line-height:1.65}
.pm-cta{padding:80px 0;background:linear-gradient(135deg,#eaf4ff,#fff3e5)}
.pm-cta-box{border-radius:34px;padding:50px;display:flex;justify-content:space-between;align-items:center;gap:30px;background:#fff;box-shadow:var(--pm-shadow)}
.pm-cta-box h2{margin:0 0 8px;color:#0b376f;font-size:40px;letter-spacing:-.03em}
.pm-cta-box p{margin:0;color:var(--pm-muted)}
.pm-footer{background:#082b58;color:#d9e8fa;padding:60px 0 24px}
.pm-footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.pm-footer img{width:205px;background:#fff;border-radius:10px;padding:7px;margin-bottom:15px}
.pm-footer h3{color:#fff;margin:0 0 15px;font-size:16px}
.pm-footer a{display:block;color:#c9d9eb;text-decoration:none;padding:5px 0;font-size:14px}
.pm-footer a:hover{color:#fff}
.pm-footer p{line-height:1.7;font-size:14px}
.pm-footer-bottom{margin-top:35px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);font-size:13px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.pm-footer-copyright{color:#c9d9eb}
.pm-footer-legal{display:flex;align-items:center;justify-content:flex-end;flex-wrap:wrap;gap:0}
.pm-footer-legal a{display:inline-block!important;padding:0 12px!important;border-left:1px solid rgba(255,255,255,.20);color:#d9e8fa}
.pm-footer-legal a:first-child{border-left:0}
.pm-footer-legal a:hover{color:#fff}
.pm-page-hero{padding:155px 0 70px;background:linear-gradient(135deg,#eaf5ff,#fff7ec)}
.pm-page-hero h1{font-size:clamp(42px,5vw,64px);margin:10px 0;color:#0b376f;letter-spacing:-.045em}
.pm-page-hero p{max-width:720px;color:var(--pm-muted);font-size:18px;line-height:1.75}
.pm-page-content{padding:75px 0;background:#fff}
.pm-legal-content{padding:70px 0 90px;background:#fff}
.pm-legal-card{max-width:980px;margin:0 auto;background:#fff;border:1px solid var(--pm-line);border-radius:28px;padding:42px 46px;box-shadow:0 12px 40px rgba(20,57,96,.06)}
.pm-legal-card h2{color:#0b376f;font-size:24px;margin:30px 0 12px;letter-spacing:-.02em}
.pm-legal-card h2:first-of-type{margin-top:8px}
.pm-legal-card p{color:var(--pm-muted);line-height:1.8;margin:0 0 15px}
.pm-legal-updated{font-size:13px!important;color:#71809a!important;border-bottom:1px solid var(--pm-line);padding-bottom:18px;margin-bottom:26px!important}
.pm-legal-list{color:var(--pm-muted);line-height:1.8;padding-left:23px;margin:8px 0 20px}
.pm-legal-list li{padding:4px 0}
.pm-legal-list-numbered{padding-left:27px}
.pm-legal-card a:not(.pm-button):not(.pm-secondary){color:var(--pm-blue);font-weight:700}
.pm-legal-note{margin-top:30px;padding:18px 20px;border-left:4px solid var(--pm-orange);background:#fff8ef;border-radius:12px;color:#53657c;line-height:1.7}
.pm-legal-action{display:flex;flex-wrap:wrap;gap:12px;margin:25px 0 28px}
.pm-legal-contact{display:flex;flex-wrap:wrap;gap:14px;margin:0 0 28px}
.pm-legal-contact>div{min-width:220px;padding:16px 18px;background:#f7faff;border:1px solid var(--pm-line);border-radius:14px;color:var(--pm-muted);line-height:1.7}
.pm-legal-contact strong{color:#0b376f}

.pm-content-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px}
.pm-info-card{padding:28px;border:1px solid var(--pm-line);border-radius:25px;background:#fff;box-shadow:0 12px 40px rgba(20,57,96,.06)}
.pm-info-card h2,.pm-info-card h3{color:#0b376f;margin-top:0}
.pm-info-card p{color:var(--pm-muted);line-height:1.75}
.pm-quote{padding:90px 0;background:var(--pm-bg)}
.pm-form{background:#fff;border:1px solid var(--pm-line);border-radius:30px;padding:32px;box-shadow:var(--pm-shadow);max-width:850px;margin:auto}
.pm-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.pm-form label{display:block;font-size:13px;font-weight:800;color:#31557e;margin-bottom:7px}
.pm-form input,.pm-form select,.pm-form textarea{width:100%;border:1px solid #dce5ef;border-radius:13px;padding:13px 14px;font:inherit;outline:none;background:#fff}
.pm-form input:focus,.pm-form select:focus,.pm-form textarea:focus{border-color:#8bb8eb;box-shadow:0 0 0 4px #edf5ff}
.pm-form textarea{min-height:130px;resize:vertical}
.pm-form .full{grid-column:1/-1}
.pm-alert{max-width:850px;margin:0 auto 18px;padding:15px 18px;border-radius:15px;background:#e9f8f0;color:#14724d;font-weight:800}
.pm-floating-wa{position:fixed;right:22px;bottom:22px;z-index:1001;width:58px;height:58px;border-radius:50%;background:#16b968;color:#fff;display:grid;place-items:center;text-decoration:none;font-weight:900;box-shadow:0 15px 35px rgba(22,185,104,.3)}
.pm-reveal{opacity:0;transform:translateY(22px);transition:.7s ease}
.pm-reveal.is-visible{opacity:1;transform:none}
.pm-magnetic{transition:transform .15s ease}
@media(max-width:950px){
 .pm-nav{display:none;position:absolute;top:82px;left:0;right:0;padding:10px;background:#fff;border:1px solid var(--pm-line);border-radius:20px;box-shadow:var(--pm-shadow);flex-direction:column;align-items:stretch}
 .pm-nav.open{display:flex}
 .pm-nav a{padding:13px 15px}
 .pm-menu-toggle{display:block}
 .pm-header .pm-quote-btn{display:none}
 .pm-hero-grid,.pm-story-grid{grid-template-columns:1fr}
 .pm-hero-visual{min-height:430px}
 .pm-product-grid,.pm-step-grid{grid-template-columns:1fr 1fr}
 .pm-trust-grid{grid-template-columns:1fr 1fr}
 .pm-footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
 .pm-shell{width:min(100% - 26px,1240px)}
 .pm-header{top:8px;height:66px}
 .pm-logo img{width:155px}
 .pm-hero{padding-top:112px}
 .pm-hero h1{font-size:45px}
 .pm-hero-visual{min-height:330px}
 .pm-card-top{left:-4px;top:10px;width:180px}
 .pm-card-bottom{right:-4px;bottom:8px;width:195px}
 .pm-product-grid,.pm-step-grid,.pm-trust-grid,.pm-content-grid,.pm-form-grid{grid-template-columns:1fr}
 .pm-section-head{display:block}
 .pm-cta-box{padding:30px;display:block}
 .pm-cta-box h2{font-size:32px}
 .pm-footer-grid{grid-template-columns:1fr}
 .pm-footer-bottom{display:block}
 .pm-footer-bottom span{display:block;margin-top:7px}
}


/* V5: hard reset for Reobiz demo content on PolicyMaart templates */
body.policymart-site .container,
body.policymart-site .pm-shell{max-width:1240px}
body.policymart-site .elementor,
body.policymart-site .rev_slider_wrapper,
body.policymart-site .rev_slider,
body.policymart-site .rs-module-wrap{display:none!important}
body.policymart-site .site-main,
body.policymart-site #main,
body.policymart-site .content-area{width:100%!important;max-width:none!important;float:none!important;margin:0!important;padding:0!important}
body.policymart-site .site-content{padding:0!important;margin:0!important}
.pm-page-content .pm-info-card{min-height:100%}
.pm-footer{position:relative;z-index:2}
.pm-footer .pm-footer-grid{align-items:start}
.pm-footer .pm-footer-grid>div{min-width:0}
.pm-footer a{transition:color .2s,transform .2s}
.pm-footer a:hover{transform:translateX(2px)}
.pm-nav a{white-space:nowrap}
.pm-hero-image:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,53,111,.08),transparent 65%);pointer-events:none}
@media(max-width:620px){.pm-header{width:calc(100% - 18px)}.pm-nav{top:74px}}


/* V6 — boxed desktop canvas + refined PolicyMaart layout */
.pm-site-frame{
  width:min(1440px,100%);
  margin:0 auto;
  min-height:100vh;
  background:#fff;
  box-shadow:0 0 0 1px rgba(15,43,76,.05),0 28px 90px rgba(10,43,82,.10);
  overflow:visible;
}
.pm-header{top:16px}
.pm-hero{min-height:680px;padding:165px 0 92px}
.pm-hero-grid{grid-template-columns:minmax(0,1fr) minmax(0,1.12fr);gap:58px}
.pm-hero-visual{min-height:570px}
.pm-hero-image{inset:0 0 18px 28px;border-radius:38px}
.pm-hero h1{max-width:720px}
.pm-trust{padding:0;background:#082f63}
.pm-trust-grid{min-height:104px}
.pm-trust-item{display:flex;flex-direction:column;justify-content:center;padding:22px 26px}
.pm-products{padding:104px 0}
.pm-product-grid{gap:24px}
.pm-product{min-height:455px}
.pm-story{padding:110px 0}
.pm-story-grid{gap:75px}
.pm-steps{padding:105px 0}
.pm-step{min-height:235px}
.pm-cta{padding:92px 0}
.pm-footer{padding:68px 0 28px}
.pm-footer-grid{grid-template-columns:1.55fr 1fr 1fr 1fr;gap:58px}
.pm-footer h3{font-size:17px;letter-spacing:-.01em}
.pm-footer a{font-size:14px;padding:6px 0}
.pm-footer-bottom{margin-top:42px}
.pm-page-hero{padding:165px 0 78px}
.pm-page-content{padding:88px 0}
.pm-content-grid{gap:42px}
.pm-info-card{padding:38px}
.pm-form{max-width:980px;padding:42px}

@media(min-width:1500px){
  body{background:linear-gradient(135deg,#eef5fb 0%,#f7f8fb 48%,#fff4e7 100%)!important}
  .pm-site-frame{margin:18px auto 40px;border-radius:30px}
  .pm-header{top:34px}
}
@media(max-width:950px){
  .pm-site-frame{width:100%;box-shadow:none}
  .pm-hero{min-height:auto;padding-top:140px}
  .pm-hero-grid{gap:32px}
  .pm-footer-grid{gap:28px}
}
@media(max-width:620px){
  .pm-header{top:8px;width:calc(100% - 18px);height:66px}
  .pm-logo{min-width:0}
  .pm-logo img{width:155px}
  .pm-hero{padding-top:112px}
}


/* V7 — full-width desktop grid correction
   Prevent Reobiz parent layout rules from squeezing PolicyMaart sections into a
   narrow content column. All homepage sections now use the same centered canvas. */
body.policymart-site .pm-site-frame,
body.policymart-site .pm-site-frame > main,
body.policymart-site .pm-site-frame > main > section,
body.policymart-site .pm-site-frame > main > .pm-products,
body.policymart-site .pm-site-frame > main > .pm-story,
body.policymart-site .pm-site-frame > main > .pm-steps,
body.policymart-site .pm-site-frame > main > .pm-hero,
body.policymart-site .pm-site-frame > main > .pm-trust{
  width:100%!important;
  max-width:none!important;
  float:none!important;
  margin-left:0!important;
  margin-right:0!important;
}
body.policymart-site .pm-site-frame main{
  display:block!important;
}
body.policymart-site .pm-shell{
  width:min(1320px,calc(100% - 64px))!important;
  max-width:1320px!important;
  margin-left:auto!important;
  margin-right:auto!important;
}
body.policymart-site .pm-section-head{
  display:grid!important;
  grid-template-columns:minmax(0,1.08fr) minmax(340px,.92fr);
  align-items:end;
  gap:70px;
  width:100%!important;
}
body.policymart-site .pm-section-head > *{
  min-width:0!important;
}
body.policymart-site .pm-product-grid,
body.policymart-site .pm-step-grid,
body.policymart-site .pm-story-grid,
body.policymart-site .pm-hero-grid{
  width:100%!important;
  min-width:0!important;
}
body.policymart-site .pm-product-grid{
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:28px!important;
}
body.policymart-site .pm-product{
  width:100%!important;
  min-width:0!important;
}
body.policymart-site .pm-step-grid{
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:28px!important;
}
body.policymart-site .pm-step{
  width:100%!important;
  min-width:0!important;
}
body.policymart-site .pm-story-grid{
  grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important;
  gap:70px!important;
}
body.policymart-site .pm-story-grid > *{
  min-width:0!important;
}
body.policymart-site .pm-trust-grid{
  grid-template-columns:repeat(4,minmax(0,1fr))!important;
}
body.policymart-site .pm-trust-item{
  min-width:0!important;
}

@media(min-width:1500px){
  body.policymart-site .pm-site-frame{
    width:min(1500px,calc(100% - 48px))!important;
    max-width:1500px!important;
  }
  body.policymart-site .pm-shell{
    width:min(1360px,calc(100% - 80px))!important;
    max-width:1360px!important;
  }
}
@media(max-width:950px){
  body.policymart-site .pm-shell{
    width:min(100% - 40px,1320px)!important;
  }
  body.policymart-site .pm-section-head{
    display:block!important;
  }
  body.policymart-site .pm-product-grid,
  body.policymart-site .pm-step-grid{
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
  }
  body.policymart-site .pm-story-grid{
    grid-template-columns:1fr!important;
  }
  body.policymart-site .pm-trust-grid{
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
  }
}
@media(max-width:620px){
  body.policymart-site .pm-shell{
    width:calc(100% - 26px)!important;
  }
  body.policymart-site .pm-product-grid,
  body.policymart-site .pm-step-grid,
  body.policymart-site .pm-trust-grid{
    grid-template-columns:1fr!important;
  }
}

/* V8 — insurer strip, support chat and structured multi-step quote flow */
.pm-insurer-strip{padding:54px 0 58px;background:linear-gradient(135deg,#f4f8fd 0%,#fffaf3 100%);border-top:1px solid rgba(18,55,96,.07);border-bottom:1px solid rgba(18,55,96,.07)}
.pm-insurer-heading{display:grid;grid-template-columns:1fr 420px;gap:60px;align-items:end;margin-bottom:28px}
.pm-insurer-heading h2{margin:6px 0 0;font-size:32px;line-height:1.05;color:#0b3c76}
.pm-insurer-heading p{margin:0;color:#617891;font-size:14px;line-height:1.7}
.pm-insurer-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px}
.pm-insurer-card{height:116px;border:1px solid #e1e8f1;background:#fff;border-radius:18px;display:flex;align-items:center;justify-content:center;position:relative;padding:16px;box-shadow:0 10px 30px rgba(10,43,82,.06);overflow:hidden}
.pm-insurer-card img{width:100%;height:62px;object-fit:contain;display:block}
.pm-insurer-card span{position:absolute;left:12px;right:12px;bottom:7px;text-align:center;font-size:9px;font-weight:700;color:#7a8ba0;opacity:.8}
.pm-insurer-card img[src*="hdfclife"]{mix-blend-mode:multiply}

.pm-floating-wa{position:fixed;right:24px;bottom:24px;width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#20b85a;color:#fff;font-size:25px;font-weight:800;z-index:10000;box-shadow:0 12px 32px rgba(18,95,50,.28);text-decoration:none}
.pm-chat-launcher{position:fixed;right:24px;bottom:94px;border:0;border-radius:999px;background:#0b3c76;color:#fff;padding:14px 19px;display:flex;align-items:center;gap:9px;font:700 13px/1 inherit;cursor:pointer;z-index:10000;box-shadow:0 12px 32px rgba(10,43,82,.24)}
.pm-chat-dot{width:9px;height:9px;border-radius:50%;background:#34d399;box-shadow:0 0 0 4px rgba(52,211,153,.15)}
.pm-chat-panel{position:fixed;right:24px;bottom:152px;width:min(370px,calc(100vw - 30px));background:#fff;border:1px solid #dfe7f0;border-radius:22px;overflow:hidden;z-index:10001;box-shadow:0 24px 70px rgba(8,42,82,.24);opacity:0;pointer-events:none;transform:translateY(12px);transition:.22s ease}
.pm-chat-panel.open{opacity:1;pointer-events:auto;transform:none}
.pm-chat-head{padding:17px 18px;background:#0b3c76;color:#fff;display:flex;justify-content:space-between;align-items:center}.pm-chat-head strong{display:block;font-size:14px}.pm-chat-head small{display:block;opacity:.72;margin-top:3px}.pm-chat-close{border:0;background:transparent;color:#fff;font-size:25px;cursor:pointer}
.pm-chat-body{padding:18px}.pm-chat-bubble{border-radius:14px;background:#f2f6fb;color:#254d76;padding:12px 14px;font-size:13px;line-height:1.55;margin-bottom:14px}.pm-chat-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px}.pm-chat-actions a{padding:11px 12px;border:1px solid #dfe7f0;border-radius:11px;color:#0b3c76;text-decoration:none;font-weight:700;font-size:12px;background:#fff}.pm-chat-whatsapp{display:block;margin-top:13px;background:#20b85a;color:#fff;padding:12px;border-radius:11px;text-align:center;text-decoration:none;font-weight:800;font-size:12px}.pm-chat-note{margin-top:13px;padding:11px;border-radius:10px;background:#fff8eb;color:#76551b;font-size:11px;line-height:1.5}

.pm-quote-wizard{padding:76px 0 104px;background:#f5f8fd}.pm-wizard-form{max-width:1080px!important;padding:42px!important;margin:0 auto!important}.pm-wizard-progress{display:flex;align-items:center;margin:0 0 34px}.pm-wizard-step{display:flex;align-items:center;gap:8px;color:#91a2b7;font-weight:700;font-size:12px;white-space:nowrap}.pm-wizard-step span{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;border:1px solid #d7e1ec;background:#fff;color:#7890aa}.pm-wizard-step.active{color:#0b3c76}.pm-wizard-step.active span{background:#eaf3ff;border-color:#bcd7f7;color:#0b3c76}.pm-wizard-line{height:1px;background:#dce5ef;flex:1;margin:0 14px}.pm-wizard-panel{display:none}.pm-wizard-panel.active{display:block}.pm-form-heading{margin-bottom:26px}.pm-form-heading h2{margin:5px 0 8px;color:#0b3c76;font-size:30px;line-height:1.08}.pm-form-heading p{margin:0;color:#66809b;font-size:14px}.pm-wizard-actions{display:flex;gap:10px;justify-content:flex-end;margin-top:28px}.pm-wizard-actions .pm-back{background:#fff;color:#0b3c76;border:1px solid #d8e3ee;box-shadow:none}
.pm-type-cards{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}.pm-type-card{position:relative}.pm-type-card input{position:absolute;opacity:0}.pm-type-card span{display:block;border:1px solid #dfe7f0;background:#fff;border-radius:15px;padding:18px;min-height:102px;cursor:pointer;transition:.2s}.pm-type-card input:checked+span{border-color:#0b6ed8;background:#eef6ff;box-shadow:0 0 0 3px rgba(11,110,216,.08)}.pm-type-card b{display:block;color:#0b3c76;font-size:14px}.pm-type-card small{display:block;color:#7890a8;margin-top:6px;line-height:1.35}
.pm-wizard-form .pm-dynamic{display:none}.pm-wizard-form .pm-dynamic>label,.pm-wizard-form>div label{font-weight:700}.pm-field-status{display:block;color:#66809b;font-size:11px;margin-top:6px;min-height:15px}.pm-members-box{grid-column:1/-1;border:1px solid #dfe7f0;background:#f8fbff;border-radius:16px;padding:18px;margin-top:4px}.pm-members-head h3{margin:0;color:#0b3c76;font-size:18px}.pm-members-head p{margin:5px 0 16px;color:#7288a0;font-size:12px}.pm-member-row{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:12px;padding:12px 0;border-top:1px solid #e6edf5}.pm-member-row:first-child{border-top:0}.pm-note-box{grid-column:1/-1;background:#fff9ed;border:1px solid #f0dfb7;border-radius:13px;padding:13px 15px;color:#715621;font-size:12px;line-height:1.6}.pm-alert-success{background:#edf9f1;color:#17633a;border-color:#cbeed7}.pm-porting-grid{grid-template-columns:repeat(3,minmax(0,1fr))!important}.pm-feature-band{display:grid;grid-template-columns:1fr auto;align-items:center;gap:40px;background:#f3f7fc;border:1px solid #e0e8f1;border-radius:24px;padding:38px;margin-bottom:42px}.pm-feature-band h2{margin:4px 0 8px;color:#0b3c76}.pm-feature-band p{margin:0;color:#66809b;max-width:700px}.pm-feature-band .pm-button{white-space:nowrap}

@media(max-width:1100px){.pm-insurer-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.pm-insurer-heading{grid-template-columns:1fr}.pm-type-cards{grid-template-columns:repeat(3,minmax(0,1fr))}.pm-porting-grid{grid-template-columns:1fr 1fr!important}}
@media(max-width:760px){.pm-insurer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.pm-insurer-card{height:104px}.pm-wizard-form{padding:25px!important}.pm-wizard-step small{display:none}.pm-wizard-line{margin:0 8px}.pm-type-cards{grid-template-columns:1fr 1fr}.pm-member-row{grid-template-columns:1fr}.pm-feature-band{grid-template-columns:1fr;padding:28px}.pm-porting-grid{grid-template-columns:1fr!important}.pm-chat-launcher{right:15px;bottom:85px}.pm-floating-wa{right:15px;bottom:15px}.pm-chat-panel{right:15px;bottom:143px}}
@media(max-width:520px){.pm-insurer-grid{grid-template-columns:1fr 1fr;gap:10px}.pm-insurer-heading h2{font-size:26px}.pm-insurer-heading{gap:18px}.pm-type-cards{grid-template-columns:1fr}.pm-wizard-progress{margin-bottom:24px}.pm-wizard-actions{justify-content:stretch}.pm-wizard-actions .pm-button{flex:1}.pm-quote-wizard{padding-top:42px}.pm-chat-launcher span:last-child{display:none}}


/* V9 — centered desktop canvas, supplied PolicyMaart imagery, mobile hero flow,
   insurer logo correction, social/contact footer and Contact page map. */
body.policymart-site{overflow-x:hidden}
body.policymart-site .pm-site-frame{
  display:block!important;
  width:min(1500px,calc(100% - 40px))!important;
  max-width:1500px!important;
  margin-left:auto!important;
  margin-right:auto!important;
}
body.policymart-site .pm-site-frame > header,
body.policymart-site .pm-site-frame > main,
body.policymart-site .pm-site-frame > footer,
body.policymart-site .pm-site-frame > section{
  width:100%!important;
  max-width:none!important;
}
body.policymart-site .pm-header{
  left:50%!important;
  right:auto!important;
  margin-left:0!important;
  margin-right:0!important;
}
.pm-hero-image img{object-position:center center}
.pm-story-image img{object-position:center top}
.pm-footer-contact-social{display:grid;grid-template-columns:1.15fr 1fr;gap:45px;margin-top:45px;padding-top:28px;border-top:1px solid rgba(255,255,255,.14)}
.pm-footer-contact h3,.pm-social-block h3{margin-bottom:14px}
.pm-contact-line{display:flex;gap:10px;align-items:flex-start;margin:8px 0;color:#c9d9eb;font-size:14px;line-height:1.55}
.pm-contact-line>span:first-child{width:22px;color:#fff;flex:none}
.pm-contact-line a{display:inline!important;padding:0!important;color:#c9d9eb}
.pm-settings-hint{font-size:12px!important;color:#9fb7d2!important;margin:0}
.pm-social-icons{display:flex;flex-wrap:wrap;gap:9px}
.pm-social-icon{width:38px;height:38px!important;padding:0!important;border-radius:50%;background:rgba(255,255,255,.10);display:flex!important;align-items:center;justify-content:center;transition:.2s}
.pm-social-icon:hover{background:rgba(255,255,255,.20);transform:translateY(-2px)!important}
.pm-social-icon img{width:18px!important;height:18px!important;padding:0!important;background:transparent!important;border-radius:0!important;margin:0!important;object-fit:contain}
.pm-contact-layout{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:28px;align-items:stretch}
.pm-contact-card,.pm-map-card{border:1px solid var(--pm-line);border-radius:28px;background:#fff;box-shadow:0 18px 55px rgba(17,54,93,.08);overflow:hidden}
.pm-contact-card{padding:38px}
.pm-contact-card h2{font-size:38px;color:#0b376f;margin:6px 0 28px}
.pm-contact-detail{display:flex;gap:15px;padding:17px 0;border-top:1px solid #e8eef5}
.pm-contact-detail-icon{width:42px;height:42px;border-radius:13px;background:#eef6ff;color:#0b4ea2;display:grid;place-items:center;font-weight:900;flex:none}
.pm-contact-detail strong{display:block;color:#0b376f}
.pm-contact-detail p{margin:5px 0 0;color:#61708a;line-height:1.6}
.pm-contact-detail a{color:#0b4ea2;text-decoration:none}
.pm-map-card{min-height:420px}
.pm-map-card iframe{display:block;width:100%;height:100%;min-height:420px;border:0}
.pm-map-placeholder{height:100%;min-height:420px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:35px;background:linear-gradient(135deg,#eef6ff,#fff8ed)}
.pm-map-placeholder h3{color:#0b376f;font-size:28px;margin:8px 0}
.pm-map-placeholder p{max-width:430px;color:#61708a;line-height:1.7}

@media(max-width:760px){
  body.policymart-site .pm-site-frame{width:100%!important}
  body.policymart-site .pm-header{width:calc(100% - 18px)!important}
  body.policymart-site .pm-header-inner{padding:0 13px!important}
  body.policymart-site .pm-logo img{width:150px!important}
  body.policymart-site .pm-menu-toggle{
    margin-left:auto!important;
    width:46px!important;height:46px!important;
    display:grid!important;place-items:center!important;
    padding:0!important;line-height:1!important;
    position:relative!important;
    right:0!important;
  }
  /* Mobile hero: image becomes a normal full-width block; floating cards no longer overlap it. */
  body.policymart-site .pm-hero-visual{
    display:flex!important;
    flex-direction:column!important;
    min-height:0!important;
    gap:14px!important;
  }
  body.policymart-site .pm-hero-image{
    position:relative!important;
    inset:auto!important;
    width:100%!important;
    height:auto!important;
    aspect-ratio:4/3!important;
    transform:none!important;
    border-radius:26px!important;
    margin:0!important;
  }
  body.policymart-site .pm-hero-image img{
    width:100%!important;height:100%!important;object-fit:cover!important;
  }
  body.policymart-site .pm-float-card{
    position:relative!important;
    inset:auto!important;
    width:100%!important;
    min-height:0!important;
    margin:0!important;
    border-radius:20px!important;
    transform:none!important;
  }
  body.policymart-site .pm-card-top{order:2}
  body.policymart-site .pm-card-bottom{order:3}
  .pm-story-image img{aspect-ratio:auto!important;width:100%!important;height:auto!important;object-fit:contain!important}
  .pm-footer-contact-social{grid-template-columns:1fr;gap:28px}
  .pm-contact-layout{grid-template-columns:1fr}
  .pm-map-card,.pm-map-card iframe,.pm-map-placeholder{min-height:330px}
}
@media(max-width:520px){
  body.policymart-site .pm-menu-toggle{font-size:22px!important}
  body.policymart-site .pm-logo img{width:145px!important}
  .pm-footer-contact-social{margin-top:30px;padding-top:22px}
}

/* V10 — final desktop grid correction
   Keep homepage content centered but let the desktop shell use the full available
   PolicyMaart canvas so product/step cards cannot collapse into a narrow column. */
@media(min-width:951px){
  body.policymart-site .pm-site-frame{
    width:100%!important;
    max-width:1500px!important;
    margin-left:auto!important;
    margin-right:auto!important;
    float:none!important;
  }
  body.policymart-site .pm-shell{
    width:calc(100% - 72px)!important;
    max-width:1360px!important;
    margin-left:auto!important;
    margin-right:auto!important;
    float:none!important;
  }
  body.policymart-site .pm-products .pm-shell,
  body.policymart-site .pm-steps .pm-shell{
    width:calc(100% - 72px)!important;
    max-width:1360px!important;
  }
  body.policymart-site .pm-product-grid,
  body.policymart-site .pm-step-grid{
    display:grid!important;
    grid-template-columns:repeat(3,minmax(0,1fr))!important;
    width:100%!important;
    max-width:none!important;
    gap:28px!important;
  }
  body.policymart-site .pm-product,
  body.policymart-site .pm-step{
    width:100%!important;
    max-width:none!important;
    min-width:0!important;
  }
  body.policymart-site .pm-section-head{
    width:100%!important;
    max-width:none!important;
  }
}

/* Quote wizard: make the secondary/back action clearly visible. */
.pm-wizard-actions .pm-back{
  background:#ff7a00!important;
  color:#fff!important;
  border:1px solid #ff7a00!important;
  box-shadow:0 10px 24px rgba(255,122,0,.18)!important;
}
.pm-wizard-actions .pm-back:hover{
  background:#e96800!important;
  border-color:#e96800!important;
  color:#fff!important;
}


/* V11.1 — balanced responsive grids + insurer logo treatment */
body.policymart-site .pm-product-grid,
body.policymart-site .pm-step-grid{
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:28px!important;
}
body.policymart-site .pm-product,
body.policymart-site .pm-step{
  min-width:0!important;
  width:100%!important;
}
.pm-plan-section{
  padding-top:86px;
  padding-bottom:20px;
}
.pm-plan-section .pm-section-head{
  align-items:end;
}
.pm-plan-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:26px;
  width:100%;
}
.pm-plan-card{
  min-width:0;
  display:flex;
  flex-direction:column;
  border:1px solid #e4ebf4;
  border-radius:28px;
  overflow:hidden;
  background:#fff;
  box-shadow:0 16px 42px rgba(17,54,93,.07);
  transition:transform .25s,box-shadow .25s;
}
.pm-plan-card:hover{
  transform:translateY(-5px);
  box-shadow:0 24px 58px rgba(17,54,93,.12);
}
.pm-plan-logo-row{
  display:flex;
  align-items:center;
  gap:14px;
  min-height:82px;
  padding:16px 22px;
  border-bottom:1px solid #edf1f6;
  background:#fbfdff;
}
.pm-plan-logo{
  width:72px;
  height:48px;
  flex:0 0 72px;
  border:1px solid #e1e8f1;
  border-radius:12px;
  background:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  overflow:hidden;
}
.pm-plan-logo img{
  display:block;
  width:auto!important;
  max-width:58px!important;
  height:auto!important;
  max-height:34px!important;
  object-fit:contain!important;
}
.pm-plan-logo:not(.has-logo) span{
  font-size:22px;
  font-weight:900;
  color:var(--pm-blue);
}
.pm-plan-insurer{
  min-width:0;
  color:#315c96;
  font-size:12px;
  line-height:1.25;
  font-weight:900;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.pm-plan-body{
  display:flex;
  flex:1;
  flex-direction:column;
  padding:24px;
  min-width:0;
}
.pm-plan-body h3{
  margin:0 0 9px;
  color:#15243a;
  font-size:27px;
  line-height:1.15;
}
.pm-plan-body>p{
  margin:0 0 16px;
  color:var(--pm-muted);
  line-height:1.6;
}
.pm-plan-features{
  margin:0 0 22px 20px;
  padding:0;
  color:#43536c;
  line-height:1.6;
}
.pm-plan-actions{
  margin-top:auto;
  display:flex;
  align-items:center;
  flex-wrap:wrap;
  gap:10px;
}
.pm-plan-quote{
  white-space:nowrap;
  padding:13px 20px;
}
.pm-plan-docs{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
}
.pm-doc-link{
  display:inline-flex;
  align-items:center;
  gap:7px;
  min-height:42px;
  padding:9px 12px;
  border:1px solid #cbd9ec;
  border-radius:12px;
  background:#f8fbff;
  color:#2e5da2;
  font-size:12px;
  font-weight:800;
  text-decoration:none;
}
.pm-doc-link:hover{background:#eef5ff;border-color:#a9c2e5}
.pm-doc-icon{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-width:25px;
  height:22px;
  padding:0 4px;
  border-radius:5px;
  background:#e9f1ff;
  color:#315fba;
  font-size:9px;
  font-weight:900;
}
.pm-section-actions{
  display:flex;
  align-items:center;
  justify-content:flex-end;
  flex-wrap:wrap;
  gap:14px;
}
.pm-chat-cta{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:12px 18px;
  border:1px solid #b8cbe5;
  border-radius:999px;
  color:var(--pm-blue);
  background:#fff;
  font-weight:800;
  text-decoration:none;
}
.pm-chat-cta:hover{background:#eef5ff}

/* Give tablet/medium desktop widths enough room for readable three-card sections. */
@media(max-width:1199px) and (min-width:761px){
  body.policymart-site .pm-shell{
    width:calc(100% - 48px)!important;
    max-width:none!important;
  }
  body.policymart-site .pm-product-grid,
  body.policymart-site .pm-step-grid,
  body.policymart-site .pm-plan-grid{
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
  }
}
@media(max-width:760px){
  body.policymart-site .pm-shell{
    width:calc(100% - 28px)!important;
  }
  body.policymart-site .pm-product-grid,
  body.policymart-site .pm-step-grid,
  body.policymart-site .pm-plan-grid{
    grid-template-columns:1fr!important;
  }
  .pm-plan-section{padding-top:55px}
  .pm-plan-actions{align-items:stretch}
  .pm-plan-docs{width:100%}
  .pm-doc-link{flex:1}
}

@media(max-width:620px){
 .pm-legal-card{padding:30px 22px;border-radius:22px}
 .pm-legal-content{padding:48px 0 65px}
 .pm-legal-card h2{font-size:21px}
 .pm-footer-bottom{display:flex;flex-direction:column;align-items:flex-start;gap:14px}
 .pm-footer-legal{justify-content:flex-start;margin-left:-12px}
 .pm-footer-legal a{padding-top:3px!important;padding-bottom:3px!important}
}


/* V10.2 — desktop footer legal row refinement */
@media(min-width:621px){
  body.policymart-site .pm-footer-bottom{
    width:100%!important;
    max-width:1360px!important;
    margin-left:auto!important;
    margin-right:auto!important;
    display:flex!important;
    flex-direction:row!important;
    justify-content:space-between!important;
    align-items:center!important;
    gap:24px!important;
  }
  body.policymart-site .pm-footer-copyright{
    flex:0 0 auto;
    white-space:nowrap;
  }
  body.policymart-site .pm-footer-legal{
    display:flex!important;
    flex-direction:row!important;
    align-items:center!important;
    justify-content:flex-end!important;
    flex-wrap:nowrap!important;
    gap:0!important;
    margin:0!important;
  }
  body.policymart-site .pm-footer-legal a{
    display:inline-flex!important;
    align-items:center!important;
    white-space:nowrap!important;
    padding:0 14px!important;
  }
  body.policymart-site .pm-footer-legal a:last-child{
    padding-right:0!important;
  }
}

/* PolicyMaart menu hierarchy */
.pm-nav-parent{position:relative;display:flex;align-items:center}.pm-submenu{display:none;position:absolute;top:100%;left:0;min-width:190px;background:#fff;border:1px solid rgba(25,45,80,.12);border-radius:12px;box-shadow:0 12px 30px rgba(20,40,80,.12);padding:8px;z-index:999}.pm-nav-parent:hover .pm-submenu,.pm-nav-parent:focus-within .pm-submenu{display:block}.pm-submenu a{display:block;white-space:nowrap;padding:10px 12px!important}
@media(max-width:900px){.pm-nav-parent{display:block}.pm-submenu{display:block;position:static;box-shadow:none;border:0;background:transparent;padding:0 0 0 14px}.pm-submenu a{font-size:.92em}}
\n\n/* V11.2 — common footer cleanup: centered copyright + horizontal legal links */\nbody.policymart-site .pm-footer-bottom{\n  display:flex!important;\n  flex-direction:row!important;\n  align-items:center!important;\n  justify-content:center!important;\n  flex-wrap:wrap!important;\n  gap:8px 18px!important;\n  text-align:center!important;\n}\nbody.policymart-site .pm-footer-copyright{\n  flex:0 0 auto!important;\n  white-space:nowrap;\n}\nbody.policymart-site .pm-footer-legal{\n  display:flex!important;\n  flex-direction:row!important;\n  align-items:center!important;\n  justify-content:center!important;\n  flex-wrap:wrap!important;\n  gap:0!important;\n  margin:0!important;\n}\nbody.policymart-site .pm-footer-legal a{\n  display:inline-flex!important;\n  align-items:center!important;\n  white-space:nowrap!important;\n  padding:0 12px!important;\n}\n@media(max-width:620px){\n  body.policymart-site .pm-footer-bottom{gap:10px!important;}\n  body.policymart-site .pm-footer-copyright{width:100%;white-space:normal;}\n  body.policymart-site .pm-footer-legal{width:100%;}\n  body.policymart-site .pm-footer-legal a{padding:3px 8px!important;}\n}\n
/* V14.1 — Critical Illness + Policyholder Claim Assistance */
.pm-nav .pm-claims-nav{background:#eaf8f0;color:#0f7042!important;border:1px solid #c9ebd8;border-radius:999px;padding:9px 13px!important;white-space:nowrap}.pm-nav .pm-claims-nav:hover,.pm-nav .pm-claims-nav.active{background:#0c8a52;color:#fff!important;border-color:#0c8a52;box-shadow:0 8px 18px rgba(12,138,82,.18)}
.pm-critical-hero{background:radial-gradient(circle at 82% 20%,rgba(68,181,128,.16),transparent 28%),linear-gradient(135deg,#f7fbff 0%,#f4fbf7 100%)}
.pm-critical-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.pm-button-light{background:#fff!important;color:#0b3c76!important;border:1px solid #cbd9e8!important;box-shadow:none!important}.pm-button-light:hover{background:#eef5fb!important;color:#082f5d!important}.pm-note{background:#fff8e8;border:1px solid #f1dfb6;border-radius:12px;padding:12px 14px;color:#6e5625;font-size:13px;line-height:1.55}.pm-feature-band-wrap{padding:35px 0 70px}
.pm-claim-home{padding:18px 0 42px}.pm-claim-home-card{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:28px;align-items:center;padding:34px 38px;border-radius:26px;background:linear-gradient(135deg,#0b3c76,#0e5c98);color:#fff;box-shadow:0 18px 45px rgba(11,60,118,.18)}.pm-claim-home-card .pm-kicker{color:#a8d7ff}.pm-claim-home-card h2{margin:4px 0 8px;color:#fff;font-size:34px}.pm-claim-home-card p{margin:0;max-width:850px;color:#e8f2fb;line-height:1.7}.pm-claim-button{background:#18a763!important;white-space:nowrap}.pm-claim-button:hover{background:#11884f!important}
.pm-claim-hero{background:radial-gradient(circle at 80% 15%,rgba(24,167,99,.15),transparent 26%),linear-gradient(135deg,#f7fbff,#f2fbf6)}.pm-claim-support{padding:64px 0 90px}.pm-claim-layout{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.55fr);gap:28px;align-items:start}.pm-claim-card,.pm-claim-side-card{background:#fff;border:1px solid #e2eaf2;border-radius:26px;box-shadow:0 16px 46px rgba(17,54,93,.07)}.pm-claim-card{padding:32px}.pm-claim-side{display:grid;gap:18px;position:sticky;top:110px}.pm-claim-side-card{padding:26px}.pm-claim-side-card h3{margin:4px 0 12px;color:#0b3c76}.pm-claim-side-card p{margin-bottom:0;color:#637b94}.pm-claim-progress{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:30px}.pm-claim-progress span{padding:10px;border-radius:999px;background:#f1f4f8;color:#71869d;text-align:center;font-size:12px;font-weight:800}.pm-claim-progress span.active{background:#e4f6ec;color:#0c7b49}.pm-claim-step{display:none}.pm-claim-step.active{display:block}.pm-claim-step h2{margin:4px 0 8px;color:#0b3c76;font-size:30px}.pm-claim-step>p{color:#66809b;line-height:1.65}.pm-claim-form{margin-top:24px}.pm-claim-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}.pm-field{margin-bottom:15px}.pm-field label{display:block;margin-bottom:7px;font-weight:800;color:#263d58;font-size:13px}.pm-field input,.pm-field select,.pm-field textarea{width:100%;border:1px solid #d7e1ec;border-radius:13px;padding:13px 14px;background:#fff;color:#18283c;font:inherit;outline:none}.pm-field textarea{resize:vertical}.pm-field input:focus,.pm-field select:focus,.pm-field textarea:focus{border-color:#6e9bd0;box-shadow:0 0 0 3px rgba(63,131,202,.12)}.pm-full{grid-column:1/-1}.pm-hp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.pm-claim-status{min-height:23px;margin-top:13px;color:#60758c;font-size:13px}.pm-claim-status.error{color:#b42318}.pm-claim-status.loading{color:#1b63a9}.pm-policy-choice-list{display:grid;gap:12px;margin:24px 0}.pm-policy-choice{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start;border:1px solid #dbe5ef;border-radius:17px;padding:17px;cursor:pointer;transition:.2s;background:#fff}.pm-policy-choice:hover{border-color:#9ab9da;background:#f9fcff}.pm-policy-choice.selected{border-color:#18a763;background:#f1fbf5;box-shadow:0 0 0 3px rgba(24,167,99,.08)}.pm-policy-choice input{margin-top:5px;accent-color:#0c8a52}.pm-policy-choice span{display:flex;flex-direction:column;gap:3px}.pm-policy-choice strong{color:#13385e;font-size:16px}.pm-policy-choice em{font-style:normal;color:#405b76}.pm-policy-choice small{color:#788da2}.pm-claim-step-actions{display:flex;gap:10px;justify-content:space-between;align-items:center;flex-wrap:wrap;margin-top:20px}.pm-selected-policy{display:grid;gap:4px;margin:18px 0;padding:16px 18px;border-radius:15px;background:#f3f8fd;border:1px solid #dce9f5}.pm-selected-policy strong{color:#0b3c76}.pm-selected-policy span{color:#445d76}.pm-selected-policy small{color:#7a8da0}.pm-claim-consent{display:flex;align-items:flex-start;gap:10px;margin:20px 0;padding:14px;border-radius:13px;background:#f8fafc;color:#4c6178;font-size:13px;line-height:1.55}.pm-claim-consent input{margin-top:3px;accent-color:#0c8a52}.pm-claim-success{text-align:center;padding:28px 10px}.pm-claim-success-icon{width:70px;height:70px;border-radius:50%;display:grid;place-items:center;margin:0 auto 18px;background:#e7f8ef;color:#0b8b52;font-size:34px;font-weight:900}.pm-claim-success h2{max-width:560px;margin:5px auto 10px}.pm-claim-success p{color:#60758c}.pm-claim-success .pm-button{margin-top:12px}
@media(max-width:1080px){.pm-claim-layout{grid-template-columns:1fr}.pm-claim-side{position:static;grid-template-columns:repeat(2,minmax(0,1fr))}.pm-claim-home-card{grid-template-columns:1fr}.pm-claim-home-card .pm-button{justify-self:start}}
@media(max-width:760px){.pm-nav .pm-claims-nav{display:inline-flex!important;width:auto!important;margin:4px 0}.pm-critical-actions{flex-direction:column;align-items:stretch}.pm-critical-actions .pm-button{text-align:center}.pm-claim-support{padding:42px 0 65px}.pm-claim-card{padding:22px 18px;border-radius:20px}.pm-claim-side{grid-template-columns:1fr}.pm-claim-progress{gap:5px}.pm-claim-progress span{padding:9px 4px;font-size:10px}.pm-claim-step h2{font-size:25px}.pm-claim-form-grid{grid-template-columns:1fr}.pm-claim-step-actions{align-items:stretch;flex-direction:column-reverse}.pm-claim-step-actions .pm-button{width:100%;text-align:center}.pm-claim-home-card{padding:27px 22px}.pm-claim-home-card h2{font-size:28px}.pm-claim-button{width:100%;text-align:center}.pm-feature-band-wrap{padding-bottom:45px}}


/* V14.2 — Critical Illness + always-highlighted Claim Assistance header actions */
.pm-header-actions{display:flex;align-items:center;gap:9px;flex:none}
.pm-claims-cta{
  display:inline-flex;align-items:center;justify-content:center;gap:7px;
  padding:13px 17px;border-radius:999px;text-decoration:none!important;
  background:linear-gradient(135deg,#0aa95f,#087f4b);color:#fff!important;
  font-weight:900;font-size:13px;white-space:nowrap;
  border:1px solid rgba(255,255,255,.55);
  box-shadow:0 0 0 4px rgba(10,169,95,.10),0 10px 26px rgba(4,122,68,.28);
  animation:pmClaimGlow 2.15s ease-in-out infinite;
  transition:transform .2s ease,box-shadow .2s ease;
}
.pm-claims-cta:hover{transform:translateY(-2px);box-shadow:0 0 0 6px rgba(10,169,95,.15),0 16px 34px rgba(4,122,68,.38)}
@keyframes pmClaimGlow{
  0%,100%{box-shadow:0 0 0 3px rgba(10,169,95,.08),0 10px 25px rgba(4,122,68,.26)}
  50%{box-shadow:0 0 0 7px rgba(10,169,95,.17),0 16px 36px rgba(4,122,68,.39)}
}
@media (min-width:951px){
  .pm-header-inner{gap:12px}
  .pm-logo{min-width:168px}
  .pm-logo img{width:168px}
  .pm-nav{gap:1px}
  .pm-nav a{font-size:12.5px;padding:10px 7px;border-radius:11px}
  .pm-quote-btn{padding:13px 17px;font-size:13px;white-space:nowrap}
}
@media (min-width:1250px){
  .pm-logo{min-width:185px}.pm-logo img{width:185px}
  .pm-nav a{font-size:13px;padding:10px 8px}
}
@media(max-width:950px){
  .pm-header-actions{display:flex;margin-left:auto;gap:6px}
  .pm-header-actions .pm-quote-btn{display:none!important}
  .pm-claims-cta{padding:10px 12px;font-size:12px;box-shadow:0 0 0 3px rgba(10,169,95,.10),0 8px 18px rgba(4,122,68,.25)}
}
@media (prefers-reduced-motion:reduce){.pm-claims-cta{animation:none}}

/* V14.3 — single Claim Assistance CTA; prevent duplicate desktop/mobile links */
.pm-claims-short{display:none}
@media(max-width:620px){.pm-claims-long{display:none}.pm-claims-short{display:inline}.pm-claims-cta{padding:9px 11px}.pm-header-inner{gap:6px}}


/* PolicyMaart V14.6 — Motor equal tiles, richer product cards, compact Quick Quote */
.pm-motor-options-section .pm-section-head{max-width:980px}
.pm-motor-choice-layout{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;align-items:stretch}
.pm-motor-choice-layout>.pm-product,.pm-motor-choice-layout>.pm-mini-motor-card{height:540px;min-height:540px}
.pm-motor-equal-card{width:100%}
.pm-motor-choice-layout>.pm-product{display:flex;flex-direction:column}
.pm-motor-choice-layout>.pm-product .pm-product-img{height:225px;min-height:225px}
.pm-motor-choice-layout>.pm-product .pm-product-img img{width:100%;height:100%;object-fit:cover}
.pm-motor-choice-layout>.pm-product .pm-product-body{display:flex;flex-direction:column;flex:1;padding:20px 22px}
.pm-motor-choice-layout>.pm-product .pm-product-body h3{font-size:24px;margin-bottom:7px}
.pm-motor-choice-layout>.pm-product .pm-product-body>p{font-size:13.5px;line-height:1.48;margin:0 0 10px}
.pm-motor-choice-layout>.pm-product .pm-link{margin-top:auto}
.pm-motor-tile-features{list-style:none;margin:0 0 10px;padding:0;display:grid;gap:7px}
.pm-motor-tile-features li{position:relative;padding-left:20px;color:#4f6380;font-size:12.4px;line-height:1.35}
.pm-motor-tile-features li:before{content:'✓';position:absolute;left:0;top:-1px;width:15px;height:15px;border-radius:50%;display:grid;place-items:center;background:#e8f8ef;color:#0a9a59;font-size:9px;font-weight:900}
.pm-mini-motor-card{border:1px solid #dbe6f2;border-radius:28px;background:linear-gradient(155deg,#f7fbff 0%,#ffffff 55%,#f2fff8 100%);box-shadow:0 18px 46px rgba(16,52,93,.11);padding:18px 20px;overflow:hidden}
.pm-mini-motor-head{display:flex;align-items:center;gap:10px;margin-bottom:3px}
.pm-mini-motor-head h3{margin:0;color:#123f7a;font-size:24px;line-height:1}
.pm-mini-motor-head .pm-kicker{font-size:10px;letter-spacing:.11em}
.pm-mini-motor-icon{width:38px;height:38px;border-radius:13px;display:grid;place-items:center;background:linear-gradient(135deg,#0f5dcc,#0ca66b);box-shadow:0 8px 18px rgba(17,100,170,.16);font-size:19px;flex:0 0 auto}
.pm-mini-motor-copy{color:#62738d;line-height:1.32;margin:0 0 7px;font-size:11.8px}
.pm-mini-motor-form{display:grid;gap:5px}
.pm-mini-motor-form label{display:block;margin:0;font-weight:800;color:#233b5d;font-size:10px;line-height:1.15}
.pm-mini-motor-form label>span{display:block;margin-bottom:3px}
.pm-mini-motor-form input,.pm-mini-motor-form select{width:100%;box-sizing:border-box;border:1px solid #d7e1ec;background:#fff;border-radius:10px;min-height:35px;height:35px;padding:6px 9px;color:#172c49;font:inherit;font-size:11.5px;outline:none;transition:border-color .2s,box-shadow .2s}
.pm-mini-motor-form input:focus,.pm-mini-motor-form select:focus{border-color:#2d77d5;box-shadow:0 0 0 3px rgba(45,119,213,.10)}
.pm-mini-motor-form small{font-weight:600;color:#7c899d;font-size:9px}
.pm-mini-motor-row{display:grid;grid-template-columns:1fr 1fr;gap:6px}
.pm-mini-phone{display:grid;grid-template-columns:106px minmax(0,1fr);gap:6px}
.pm-mini-motor-submit{width:100%;border:0;cursor:pointer;margin-top:0;justify-content:center;min-height:38px;height:38px;padding:8px 13px;font-size:12px}
.pm-mini-turnstile{overflow:hidden;max-width:100%;height:52px;min-height:52px;display:flex;align-items:flex-start}
.pm-mini-turnstile .cf-turnstile{transform:scale(.82);transform-origin:left top;width:122%}
.pm-mini-quote-alert{border-radius:16px;padding:13px 16px;margin:-4px 0 22px;font-weight:800}
.pm-mini-quote-alert-success{background:#e9f9ef;border:1px solid #bde8ca;color:#14783b}
.pm-mini-quote-alert-error{background:#fff0ee;border:1px solid #f5c8c1;color:#ad3024}
@media(max-width:1050px){
  .pm-motor-choice-layout{grid-template-columns:repeat(2,minmax(0,1fr))}
  .pm-mini-motor-card{grid-column:1/-1;height:auto!important;min-height:0!important;max-width:620px;width:100%;justify-self:center}
  .pm-mini-turnstile{height:auto;min-height:0}
  .pm-mini-turnstile .cf-turnstile{transform:none;width:auto}
}
@media(max-width:700px){
  .pm-motor-choice-layout{grid-template-columns:1fr}
  .pm-motor-choice-layout>.pm-product,.pm-motor-choice-layout>.pm-mini-motor-card{height:auto;min-height:0}
  .pm-mini-motor-card{grid-column:auto;max-width:none;padding:18px;border-radius:22px}
  .pm-mini-motor-head h3{font-size:23px}
  .pm-mini-motor-row,.pm-mini-phone{grid-template-columns:1fr}
  .pm-mini-motor-form{gap:8px}
  .pm-mini-motor-form input,.pm-mini-motor-form select{height:41px;min-height:41px}
}

/* V14.7 — website callback panel linked to CRM WhatsApp callback queue */
.pm-chat-callback{width:100%;margin-top:10px;border:1px solid #d9e4ef;background:#f7fafe;color:#0b3c76;border-radius:11px;padding:12px 14px;font:800 12px/1.25 inherit;display:flex;align-items:center;justify-content:center;gap:8px;cursor:pointer}.pm-chat-callback:hover{background:#edf5ff;border-color:#bdd4ee}
.pm-callback-overlay{position:fixed;inset:0;z-index:10030;background:rgba(7,20,37,.52);display:flex;align-items:flex-end;justify-content:center;padding:22px;opacity:0;pointer-events:none;transition:opacity .2s ease;backdrop-filter:blur(2px)}
.pm-callback-overlay.open{opacity:1;pointer-events:auto}.pm-callback-card{width:min(520px,100%);max-height:min(760px,calc(100vh - 36px));overflow:auto;background:#171a1d;color:#fff;border:1px solid rgba(255,255,255,.08);border-radius:26px;box-shadow:0 28px 90px rgba(0,0,0,.34);transform:translateY(18px);transition:transform .22s ease}.pm-callback-overlay.open .pm-callback-card{transform:none}
.pm-callback-head{position:sticky;top:0;z-index:2;min-height:82px;padding:20px 22px;background:#171a1d;border-bottom:1px solid rgba(255,255,255,.06);display:flex;align-items:center;justify-content:space-between}.pm-callback-head strong{display:block;font-size:20px;letter-spacing:-.02em}.pm-callback-head small{display:block;margin-top:3px;color:#aeb7bf;font-size:12px}.pm-callback-close{width:43px;height:43px;border-radius:50%;border:1px solid rgba(255,255,255,.08);background:#292d31;color:#fff;font:300 32px/1 inherit;cursor:pointer;display:grid;place-items:center}.pm-callback-close:hover{background:#343a3f}
.pm-callback-body{padding:18px}.pm-callback-hours{display:flex;align-items:flex-start;gap:12px;padding:16px;border-radius:17px;background:#252a2e;margin-bottom:14px}.pm-callback-hours>span{width:34px;height:34px;display:grid;place-items:center;border-radius:50%;background:#30373c;font-size:18px}.pm-callback-hours strong,.pm-callback-hours small{display:block}.pm-callback-hours strong{font-size:13px}.pm-callback-hours small{margin-top:4px;color:#d6dadd;font-size:13px;line-height:1.45}.pm-callback-intro{margin:0 0 16px;padding:15px 16px;border-radius:17px;background:#252a2e;color:#e6e8ea;font-size:13px;line-height:1.6}
#pm-callback-form{display:grid;gap:12px}.pm-callback-body label{display:grid;gap:6px;color:#eef1f3;font-size:12px;font-weight:700}.pm-callback-body label>span{font-weight:500;color:#9fa8b1}.pm-callback-body input[type="text"],.pm-callback-body input[type="tel"],.pm-callback-body textarea{width:100%;border:1px solid #3a4147;background:#22272b;color:#fff;border-radius:13px;padding:13px 14px;font:500 14px/1.35 inherit;outline:none}.pm-callback-body textarea{resize:vertical;min-height:70px}.pm-callback-body input:focus,.pm-callback-body textarea:focus{border-color:#5ba4e8;box-shadow:0 0 0 3px rgba(75,151,222,.14)}.pm-callback-body input::placeholder,.pm-callback-body textarea::placeholder{color:#7f8991}.pm-callback-body label>small{font-size:10px;font-weight:500;color:#8f9aa3}.pm-callback-hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important}
.pm-callback-consent{grid-template-columns:20px 1fr!important;align-items:start;gap:9px!important;padding:5px 1px}.pm-callback-consent input{margin:2px 0 0;width:17px;height:17px;accent-color:#20b85a}.pm-callback-consent span{color:#cbd1d6!important;line-height:1.45;font-size:11px}
.pm-callback-status{min-height:0;font-size:12px;line-height:1.45;border-radius:11px}.pm-callback-status:not(:empty){padding:11px 12px;background:#252a2e;color:#e8ecef}.pm-callback-status.success{background:#143927;color:#bdf2d2}.pm-callback-status.error{background:#472125;color:#ffd0d4}
.pm-callback-submit,.pm-callback-wa{width:100%;border:0;border-radius:14px;padding:15px 17px;font:800 14px/1.2 inherit;display:flex;align-items:center;justify-content:center;gap:10px;text-decoration:none;cursor:pointer}.pm-callback-submit{background:#fff;color:#14181b}.pm-callback-submit:hover{background:#eef2f5}.pm-callback-submit:disabled{opacity:.55;cursor:wait}.pm-callback-wa{margin-top:12px;background:#252a2e;color:#fff;border:1px solid rgba(255,255,255,.06)}.pm-callback-wa:hover{background:#30363a;color:#fff}
@media(min-width:700px){.pm-callback-overlay{align-items:center}.pm-callback-card{border-radius:28px}}
@media(max-width:520px){.pm-callback-overlay{padding:0;align-items:flex-end}.pm-callback-card{width:100%;max-height:92vh;border-radius:26px 26px 0 0;border-bottom:0}.pm-callback-head{padding:18px 18px}.pm-callback-body{padding:16px 16px 20px}}

body.pm-callback-opened{overflow:hidden}