*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#17324d;background:#fff}a{color:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.narrow{max-width:900px}.site-header{background:#fff;border-bottom:1px solid #e5edf4;position:sticky;top:0;z-index:20}.header-inner{max-width:1240px;margin:auto;height:86px;padding:0 24px;display:flex;align-items:center;gap:28px}.brand img{height:65px;max-width:245px;object-fit:contain}.site-header nav{display:flex;gap:24px;margin-left:auto}.site-header nav a{text-decoration:none;font-size:14px;font-weight:700;color:#36536d}.site-header nav a.active{color:#0c5b96}.phone{background:#d82e38;color:#fff;text-decoration:none;padding:13px 18px;border-radius:8px;font-weight:800;font-size:14px}.hero{background:linear-gradient(120deg,#f5faff 0%,#fff 58%,#fff5f5 100%);padding:76px 0 68px;border-bottom:1px solid #e7eef5}.hero-grid{display:grid;grid-template-columns:1.5fr .75fr;gap:56px;align-items:center}.eyebrow{font-size:12px;font-weight:900;letter-spacing:.12em;color:#d82e38;margin-bottom:10px}.hero h1{font-size:48px;line-height:1.08;color:#073e72;margin:0 0 18px;max-width:800px}.lead{font-size:18px;line-height:1.65;color:#526a80;max-width:820px}.hero-actions{display:flex;gap:12px;margin:28px 0 22px}.btn{display:inline-block;text-decoration:none;border-radius:8px;padding:14px 20px;font-weight:800;font-size:14px}.btn.red{background:#d82e38;color:#fff;box-shadow:0 8px 20px rgba(216,46,56,.18)}.btn.red:hover{transform:translateY(-2px)}.btn.ghost{border:1px solid #b9cad8;color:#0a4f86;background:#fff}.trust-row{display:flex;gap:20px;flex-wrap:wrap;color:#2f5c7f;font-size:13px;font-weight:700}.hero-card{background:#073e72;color:#fff;border-radius:22px;padding:30px;box-shadow:0 20px 45px rgba(7,62,114,.18)}.hero-card .mini{font-size:11px;letter-spacing:.12em;font-weight:900;color:#b9d9f5}.hero-card h2{font-size:27px;line-height:1.2;margin:10px 0}.hero-card p{color:#e1edf7;line-height:1.6}.hero-card a{color:#fff;font-weight:800}.promo-section{padding:68px 0;background:#fff}.promo-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:25px}.promo-head h2,.section-title h2,.why h2,.faq h2{font-size:34px;color:#073e72;margin:0}.promo-head p,.section-title p{color:#64788a;max-width:650px}.promo-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.promo-card{border-radius:18px;padding:25px;border:1px solid #dce7ef;position:relative;overflow:hidden;box-shadow:0 8px 26px rgba(14,61,101,.07)}.promo-card.medibank{background:linear-gradient(145deg,#fff,#f4efff);border-top:5px solid #6b2ca0}.promo-card.aia{background:linear-gradient(145deg,#fff,#fff3f4);border-top:5px solid #d71920}.promo-card.neutral{background:linear-gradient(145deg,#fff,#f2f8fc);border-top:5px solid #0b5b91}.provider-word{font-size:21px;font-weight:900;color:#153e61}.offer-pill{display:inline-block;margin:14px 0 8px;background:#e8f6ee;color:#167340;font-size:10px;font-weight:900;padding:6px 9px;border-radius:999px;letter-spacing:.08em}.promo-card h3{font-size:28px;color:#092f55;margin:5px 0 8px}.promo-card p{color:#5d7184;line-height:1.55}.code{display:flex;align-items:center;justify-content:space-between;background:#fff;border:1px dashed #a8bccd;border-radius:10px;padding:12px 14px;margin:16px 0}.code span{font-size:11px;color:#718293;text-transform:uppercase}.code strong{font-size:15px;color:#092f55}.promo-card small{display:block;min-height:42px;color:#718293;line-height:1.4}.promo-card>a{display:inline-block;margin-top:16px;color:#0b5b91;font-weight:800;text-decoration:none}.compare-section{padding:72px 0;background:#f6f9fc}.section-title{text-align:center;max-width:850px;margin:0 auto 32px}.provider-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}.provider-card{background:#fff;border:1px solid #dbe5ed;border-radius:18px;padding:22px 18px;box-shadow:0 7px 22px rgba(13,63,115,.06);border-top-width:5px}.provider-card.allianz{border-top-color:#008a93}.provider-card.bupa{border-top-color:#0072ce}.provider-card.nib{border-top-color:#00543c}.provider-card.med{border-top-color:#6b2ca0}.provider-card.aia-card{border-top-color:#d71920}.provider-name{height:45px;font-size:22px;font-weight:900;color:#123d61;display:flex;align-items:center}.tag{display:inline-block;background:#eef5fa;color:#42637e;border-radius:999px;padding:6px 9px;font-size:10px;font-weight:900}.promo-tag{background:#e9f7ef;color:#167340}.provider-card h3{font-size:19px;color:#073e72;margin:15px 0 8px}.provider-card ul{padding-left:18px;color:#5c7184;font-size:13px;line-height:1.55;min-height:122px}.card-actions{display:flex;align-items:center;gap:12px}.card-actions .btn{padding:11px 13px;font-size:12px}.details{font-size:12px;color:#0b5b91;font-weight:900;text-decoration:none}.fineprint{text-align:center;color:#758596;font-size:11px;line-height:1.55;margin:20px auto 0;max-width:980px}.why{padding:76px 0;background:#fff}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:54px;align-items:start}.why p{font-size:16px;line-height:1.75;color:#596f83}.check-card{background:#f5f9fc;border:1px solid #dce7ef;border-radius:18px;padding:26px}.check-card h3{color:#073e72;font-size:23px;margin-top:0}.check-card div{display:grid;grid-template-columns:34px 1fr;gap:4px 10px;padding:14px 0;border-bottom:1px solid #dce7ef;color:#d82e38;font-weight:900}.check-card div:last-child{border:0}.check-card b{color:#17324d}.check-card span{grid-column:2;color:#66798b;font-size:13px;font-weight:400;line-height:1.5}.guide-section{padding:72px 0;background:#f7faff}.guide-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:20px}.guide-card{grid-column:span 2;background:#fff;border:1px solid #dce7f2;border-radius:18px;padding:25px;text-decoration:none;color:#17324d;box-shadow:0 8px 24px rgba(20,63,105,.07);transition:.2s}.guide-card:nth-child(4){grid-column:2/span 2}.guide-card:nth-child(5){grid-column:4/span 2}.guide-card:hover{transform:translateY(-4px)}.guide-card.featured{border-top:5px solid #d82e38}.guide-card span{font-size:11px;font-weight:900;letter-spacing:.08em;color:#d82e38}.guide-card h3{font-size:20px;line-height:1.3;color:#073e72}.guide-card p{font-size:14px;line-height:1.65;color:#607386}.guide-card b{font-size:13px;color:#0b5b91}.faq{padding:72px 0}.faq details{border:1px solid #dbe6ee;border-radius:12px;margin:12px 0;background:#fff}.faq summary{cursor:pointer;padding:17px 20px;font-weight:800;color:#173e4f}.faq details p{padding:0 20px 18px;margin:0;color:#607487;line-height:1.65}.site-footer{background:#0d3f73;color:#fff;padding:42px 0 28px}.footer-grid{max-width:1180px;margin:auto;padding:0 20px;display:grid;grid-template-columns:1.15fr 1fr 1.25fr 1fr 1.15fr;gap:32px}.footer-brand img{height:58px;max-width:220px;background:#fff;border-radius:5px}.footer-grid h4{margin:3px 0 14px}.footer-grid a{display:block;color:#dbe8f4;text-decoration:none;font-size:12px;margin:8px 0}.footer-grid p{font-size:12px;line-height:1.6;color:#dbe8f4}.footer-bottom{max-width:1180px;margin:25px auto 0;padding:20px 20px 0;border-top:1px solid rgba(255,255,255,.18);display:flex;justify-content:space-between;color:#c8d9e8;font-size:11px}
@media(max-width:1050px){.provider-grid{grid-template-columns:repeat(2,1fr)}.site-header nav{display:none}.hero-grid,.split{grid-template-columns:1fr}.promo-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){.header-inner{height:76px;padding:0 14px}.brand img{height:55px}.phone{font-size:0;padding:12px}.phone:after{content:"☎";font-size:18px}.hero{padding:48px 0}.hero h1{font-size:36px}.container{width:min(100% - 28px,1180px)}.provider-grid{grid-template-columns:1fr}.guide-grid{grid-template-columns:1fr}.guide-card,.guide-card:nth-child(4),.guide-card:nth-child(5){grid-column:auto}.promo-head{display:block}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block;line-height:1.8}}

.promo-card.bupa-promo{background:linear-gradient(145deg,#fff,#eef7ff);border-top:5px solid #0072ce}
.price{margin:16px 0 2px;display:flex;align-items:baseline;gap:4px;color:#073e72;min-height:43px}
.price small{font-size:11px;text-transform:uppercase;color:#718293;font-weight:800}
.price strong{font-size:29px;letter-spacing:-.02em}
.price span{font-size:11px;color:#6a7d8e;font-weight:700}
.price.quote{align-items:center}
.price.quote strong{font-size:18px;letter-spacing:0}
.excess{font-size:11px;color:#718293;min-height:30px;margin:0 0 8px;line-height:1.4}

.rank{font-size:9px;font-weight:900;letter-spacing:.08em;color:#72869a;margin-bottom:7px;min-height:12px}
.provider-card:first-child .rank{color:#16824b}
.faq-intro{color:#63788b;line-height:1.65;margin:8px 0 24px}

.screenshot-style .provider-card{display:flex;flex-direction:column;min-height:435px;padding:20px 14px;border-top-width:1px}
.provider-logo-text{height:54px;display:flex;align-items:center;justify-content:center;font-size:27px;font-weight:900}
.aia-logo{color:#ed174c}.nib-logo{color:#00543c;font-size:32px}.med-logo{color:#e4002b}.allianz-logo{color:#073e72;font-size:20px}.allianz-logo span{color:#008a93}.bupa-logo{background:#0072ce;color:white;width:56px;height:43px;margin:5px auto 6px;font-size:18px;font-style:italic}
.visa-type{text-align:center;color:#5c7184;font-size:12px;margin:4px 0 13px}
.screenshot-style .price{justify-content:flex-start;margin:5px 0 10px;min-height:38px}
.screenshot-style .price strong{font-size:24px}.screenshot-style .price span{font-size:10px}
.mini-promo{background:#fff1f3;border:1px solid #ffc2ca;border-radius:9px;padding:9px 8px;text-align:center;color:#d71935;min-height:57px;margin-bottom:7px}
.mini-promo b{display:block;font-size:11px}.mini-promo small{font-size:8px;line-height:1.35}
.terms{text-align:center;color:#d71935;font-size:9px;font-weight:800;margin:0 0 6px}
.promo-spacer{min-height:76px}
.screenshot-style ul{min-height:100px;margin:5px 0 10px;font-size:11px}
.screenshot-style .details{text-align:center;display:block;min-height:40px;font-size:12px;margin-top:auto}
.bluequote{background:#1463e8;color:#fff!important;text-align:center;margin-top:8px;border-radius:10px;padding:13px 8px!important}
@media(max-width:1050px){.screenshot-style .provider-card{min-height:auto}.promo-spacer{display:none}}

/* V5 provider-card refinements */
.no-promo{
  min-height:57px;margin-bottom:25px;padding:10px 8px;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;border:1px solid #d8e3ec;border-radius:9px;background:#f7fafc;color:#536b80
}
.no-promo b{font-size:10px}.no-promo small{font-size:8px;margin-top:3px;color:#7a8b9b}
.screenshot-style .allianz-logo{font-size:23px}
.screenshot-style .bupa-logo{width:64px;height:48px;font-size:20px}
.screenshot-style .provider-logo-text{min-height:54px}

/* V5 guide cards: consistent red accent + whole-card hover */
.guide-card{
  border-top:5px solid #d82e38 !important;
  cursor:pointer;
  transform:translateY(0) scale(1);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.guide-card:hover{
  transform:translateY(-5px) scale(1.025);
  box-shadow:0 16px 34px rgba(20,63,105,.14);
  border-color:#ef9ca2;
}
.guide-card b{transition:color .2s ease}
.guide-card:hover b{color:#d82e38}

/* V6 premium comparison presentation */
.compare-section{background:linear-gradient(180deg,#f4f8fc 0%,#eef5fa 100%)}
.compare-section .section-title{margin-bottom:24px}
.compare-summary{
 max-width:1000px;margin:0 auto 24px;background:#fff;border:1px solid #d9e6ef;
 border-radius:16px;padding:14px 18px;display:grid;grid-template-columns:130px 170px 155px 1fr;
 gap:12px;align-items:center;box-shadow:0 8px 24px rgba(7,62,114,.05)
}
.compare-summary div{padding:2px 16px;border-right:1px solid #e3ebf1;text-align:center}
.compare-summary span{display:block;color:#073e72;font-size:19px;font-weight:900}
.compare-summary small{display:block;color:#718497;font-size:9px;text-transform:uppercase;letter-spacing:.05em;margin-top:2px}
.compare-summary p{margin:0;color:#607487;font-size:11px;line-height:1.5;padding-left:8px}
.screenshot-style{gap:14px}
.screenshot-style .provider-card{
 position:relative;overflow:hidden;border:1px solid #d8e5ee!important;border-top:0!important;
 border-radius:17px;padding:0 14px 15px;background:#fff;
 box-shadow:0 8px 24px rgba(12,61,103,.07);transition:.2s ease
}
.screenshot-style .provider-card:before{
 content:"";display:block;height:5px;margin:0 -14px 14px;background:#0b5b91
}
.screenshot-style .provider-card.aia-card:before{background:#ed174c}
.screenshot-style .provider-card.nib:before{background:#00543c}
.screenshot-style .provider-card.med:before{background:#e4002b}
.screenshot-style .provider-card.allianz:before{background:#008a93}
.screenshot-style .provider-card.bupa:before{background:#0072ce}
.screenshot-style .provider-card:hover{transform:translateY(-5px);box-shadow:0 16px 34px rgba(12,61,103,.13)}
.screenshot-style .provider-logo-text{height:48px;margin-top:1px}
.screenshot-style .visa-type{
 display:inline-block;align-self:center;background:#f1f6fa;border-radius:999px;
 padding:5px 9px;margin:2px auto 11px;color:#557086;font-size:9px;font-weight:800
}
.screenshot-style .price{
 justify-content:center;background:#f8fbfd;border-radius:10px;padding:9px 5px;margin:0 0 10px
}
.screenshot-style .price strong{font-size:25px;color:#062f63}
.screenshot-style .price span{font-size:9px}
.mini-promo,.no-promo{min-height:62px;margin:0 0 9px}
.mini-promo{box-shadow:inset 0 0 0 1px rgba(216,46,56,.02)}
.no-promo{margin-bottom:24px}
.screenshot-style .terms{margin:0 0 8px}
.screenshot-style .benefits{
 list-style:none;padding:0;margin:5px 0 12px;min-height:108px;font-size:10px
}
.screenshot-style .benefits li{
 display:grid;grid-template-columns:15px 1fr;gap:4px;line-height:1.45;margin:6px 0;color:#526a80
}
.screenshot-style .benefits li span{color:#15915a;font-weight:900}
.screenshot-style .details{
 border-top:1px solid #e7eef3;padding-top:11px;min-height:48px;
 color:#075ca0;font-weight:900;line-height:1.35
}
.bluequote{
 width:100%;background:linear-gradient(135deg,#0b73e0,#1559dc);font-size:12px;
 box-shadow:0 7px 16px rgba(20,99,232,.18);transition:.2s ease
}
.bluequote:hover{transform:translateY(-2px) scale(1.02);box-shadow:0 10px 22px rgba(20,99,232,.26)}
@media(max-width:1050px){
 .compare-summary{grid-template-columns:repeat(3,1fr)}
 .compare-summary p{grid-column:1/-1;text-align:center;padding:7px 0 0}
 .compare-summary div:nth-child(3){border-right:0}
}
@media(max-width:600px){
 .compare-summary{grid-template-columns:1fr 1fr}
 .compare-summary div:nth-child(2){border-right:0}
 .compare-summary div:nth-child(3){grid-column:1/-1;border-right:0}
}

/* V7 actual provider logos */
.provider-logo-img{
 height:62px;display:flex;align-items:center;justify-content:center;
 margin:0 auto 3px;padding:3px 6px
}
.provider-logo-img img{
 display:block;max-width:128px;max-height:48px;width:auto;height:auto;object-fit:contain
}
.provider-card.aia-card .provider-logo-img img{max-height:52px;max-width:115px}
.provider-card.nib .provider-logo-img img{max-height:46px;max-width:125px}
.provider-card.med .provider-logo-img img{max-height:42px;max-width:132px}
.provider-card.allianz .provider-logo-img img{max-height:42px;max-width:135px}
.provider-card.bupa .provider-logo-img img{max-height:48px;max-width:95px}

/* V10 provider page fixes */
.provider-page .site-header img,.provider-page header img{max-width:220px!important;height:auto!important}
.provider-page footer img{max-width:190px!important;height:auto!important}
.provider-faqs{max-width:1120px;margin:6px auto 0;padding:10px 0 4px}
.provider-faqs .faq-head{text-align:center;margin:18px 0 22px}
.provider-faqs .faq-head span{font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:#d82e38}
.provider-faqs .faq-head h2{font-size:30px;color:#073e72;margin:7px 0}
.provider-faqs details{background:#fff;border:1px solid #dbe6ed;border-radius:13px;margin:10px 0;overflow:hidden;box-shadow:0 4px 14px rgba(12,61,103,.035)}
.provider-faqs summary{list-style:none;cursor:pointer;padding:17px 48px 17px 19px;font-weight:900;color:#073e72;position:relative}
.provider-faqs summary::-webkit-details-marker{display:none}
.provider-faqs summary:after{content:"+";position:absolute;right:19px;top:13px;font-size:25px;color:#d82e38}
.provider-faqs details[open] summary:after{content:"−"}
.provider-faqs details p{margin:0;padding:0 19px 18px;color:#536b7e;line-height:1.65;font-size:14px}

/* V11 provider header/footer logo correction */
.provider-page header .logo img,
.provider-page header .brand-logo,
.provider-page .site-header img{
  width:auto!important;height:auto!important;max-width:190px!important;max-height:72px!important;
  object-fit:contain!important;display:block!important;
}
.provider-page footer .footer-logo,
.provider-page footer img{
  width:auto!important;height:auto!important;max-width:175px!important;max-height:72px!important;
  object-fit:contain!important;display:block!important;
}
@media(max-width:700px){
 .provider-page header .logo img,.provider-page header .brand-logo,.provider-page .site-header img{max-width:155px!important;max-height:60px!important}
 .provider-page footer .footer-logo,.provider-page footer img{max-width:150px!important;max-height:60px!important}
}

/* V12 approved branding + fuller key-cover section */
.provider-page header img,
.provider-page footer img{
  object-fit:contain!important;
}
.benefit-summary{
  background:#fff;border:1px solid #dbe6ed;border-radius:18px;
  padding:24px 24px 18px;margin:0 0 30px;
  box-shadow:0 7px 22px rgba(12,61,103,.045)
}
.benefit-heading{text-align:center;max-width:650px;margin:0 auto 20px}
.benefit-heading span{font-size:10px;font-weight:900;letter-spacing:.14em;color:#d82e38}
.benefit-heading h2{font-size:25px;color:#073e72;margin:5px 0 5px}
.benefit-heading p{margin:0;color:#687f92;font-size:13px}
.benefit-summary .quick-grid{margin:0;gap:12px}
.benefit-summary .quick-card{
  min-height:116px;padding:17px 15px;border-top:3px solid #15915a;
  display:flex;flex-direction:column;justify-content:flex-start;
  font-size:12px;line-height:1.5;background:#fafdff
}
.benefit-summary .quick-card b{
  width:26px;height:26px;border-radius:50%;background:#e9f7ef;
  display:flex;align-items:center;justify-content:center;margin-bottom:9px
}
@media(max-width:850px){.benefit-summary{padding:20px 16px}.benefit-summary .quick-card{min-height:100px}}

/* V13 provider promotion states matching comparison cards */
.provider-offer{
 min-height:62px;border-radius:10px;margin:13px 0 7px;padding:10px 12px;
 display:flex;align-items:center;justify-content:center;gap:8px;text-align:center;
 box-sizing:border-box
}
.provider-offer strong{display:block;font-size:13px;line-height:1.25}
.provider-offer small{display:block;font-size:8px;line-height:1.5;margin-top:2px;font-weight:500}
.active-offer{background:#fff2f3;border:1px solid #ff9eaa;color:#d41132}
.active-offer .gift{font-size:18px}
.standard-offer{background:#f7fafc;border:1px solid #cadbe7;color:#36566f}
.standard-offer small{color:#8a9baa}
.offer-terms{display:block;text-align:center;color:#c81631;text-decoration:underline;font-size:9px;font-weight:900;margin:7px 0 10px}