*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#062d69;background:#fff}.wrap{width:min(1180px,92%);margin:auto}.narrow{max-width:850px}.site-header{height:76px;border-top:1px solid #ddd;border-bottom:1px solid #e7edf6;background:#fff;display:flex;align-items:center;position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:#0b397a;min-width:215px}.brand b{font-size:21px}.brand i{font-style:normal;color:#f21f36}.brand small{display:block;font-size:6px;letter-spacing:2px;margin-top:3px}.umbrella{font-size:27px;color:#f21f36}.nav nav{display:flex;gap:25px;margin-left:auto}.nav nav a{font-size:12px;font-weight:700;text-decoration:none;color:#052b62}.phone{background:#f21f36;color:#fff;text-decoration:none;border-radius:30px;padding:12px 17px;font-size:12px;font-weight:700}.hero{background:linear-gradient(118deg,#f6faff 0 48%,#e5f2ff 48%);border-bottom:5px solid #0a3777}.hero-grid{min-height:410px;display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:65px}.eyebrow{font-size:10px;letter-spacing:2px;font-weight:800;color:#52709b}.hero h1{font-size:45px;line-height:1.04;margin:15px 0}.hero h1 em{font-style:normal;color:#f21f36}.hero p{font-size:16px;line-height:1.6;color:#385b86;max-width:620px}.trust{display:flex;gap:18px;font-size:11px;font-weight:700;margin:20px 0}.cta{display:inline-block;background:#f21f36;color:#fff;text-decoration:none;font-weight:800;padding:15px 22px;border-radius:7px;box-shadow:0 10px 25px #f21f3633}.hero-art{height:290px;background:linear-gradient(145deg,#d8edff,#fff);border-radius:28px;display:flex;flex-direction:column;align-items:center;justify-content:center;box-shadow:0 20px 45px #214b7b1a;position:relative;overflow:hidden}.sun{position:absolute;width:82px;height:82px;border-radius:50%;background:#ffd255;left:38px;top:28px}.student-scene{display:flex;align-items:center;gap:22px;z-index:2}.student{font-size:78px}.books{font-size:52px}.shield{background:#0868dd;color:#fff;font-size:35px;padding:12px 18px;clip-path:polygon(50% 0,100% 15%,90% 80%,50% 100%,10% 80%,0 15%)}.hero-art strong{margin-top:18px;z-index:2}.section{padding:68px 0}.intro{text-align:center}.intro h2,.section-head h2{font-size:31px;margin:10px 0}.intro p,.section-head p{font-size:14px;line-height:1.7;color:#49698d}.notice{margin-top:22px;background:#f2f7fd;border:1px solid #c8daee;border-left:4px solid #1269db;padding:14px 16px;text-align:left;border-radius:8px;font-size:12px;line-height:1.5}.compare{background:#eef7ff}.section-head{text-align:center;max-width:760px;margin:0 auto 35px}.grid{display:grid;gap:20px}.providers{grid-template-columns:repeat(3,1fr);max-width:1000px;margin:auto}.provider{background:#fff;border:1px solid #cbdcf0;border-radius:14px;overflow:hidden;box-shadow:0 10px 28px #183f6e0a}.provider-head{height:120px;background:#fff;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:9px;border-bottom:1px solid #e2ebf5}.provider-head span{font-size:9px;letter-spacing:1.5px;font-weight:800;color:#6681a3}.logo-word{font-weight:900;font-size:28px}.allianz{color:#0a4d91}.bupa{color:#0079c8}.nib{color:#00a6a6}.provider-body{padding:22px}.provider-body h3{margin:0 0 10px;font-size:18px}.provider-body p{font-size:12px;line-height:1.6;color:#49698d;min-height:58px}.outline{display:inline-block;border:1px solid #1269db;color:#075fc4;text-decoration:none;font-size:12px;font-weight:800;padding:11px 14px;border-radius:7px}.center{text-align:center;margin-top:30px}.features{grid-template-columns:repeat(4,1fr)}.features>div{text-align:center;border:1px solid #cbdcf0;border-radius:14px;padding:26px 18px}.features i{font-style:normal;font-size:38px;display:block;margin-bottom:14px}.features b{font-size:14px}.features p,.steps p{font-size:11px;line-height:1.55;color:#536f90}.soft{background:#f5f9fe}.steps{grid-template-columns:repeat(4,1fr)}.steps>div{background:#fff;border:1px solid #d2e0ef;border-radius:13px;padding:22px}.steps span{display:inline-flex;width:34px;height:34px;align-items:center;justify-content:center;border-radius:50%;background:#1269db;color:#fff;font-weight:800}.steps h3{font-size:15px;margin:14px 0 6px}.faq{max-width:900px}.faq details{background:#fff;border:1px solid #c8d9ec;border-radius:8px;margin:9px 0;padding:0 17px}.faq summary{cursor:pointer;padding:15px 0;font-weight:800;font-size:13px}.faq details p{font-size:12px;color:#466485;line-height:1.55;padding:0 0 14px;margin:0}.source-note{background:#f7f9fc;border-top:1px solid #e1e8f1;padding:22px 0}.source-note p{font-size:10px;line-height:1.6;color:#5a708b;margin:0}footer{background:#073777;color:#fff;padding:42px 0 18px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:50px}.footer-brand{color:#fff}.footer-grid h4{margin:0 0 15px}.footer-grid p,.footer-grid a{font-size:11px;line-height:1.6;color:#fff;text-decoration:none;display:block}.legal{border-top:1px solid #ffffff30;margin-top:28px;padding-top:17px;font-size:10px;display:flex;justify-content:space-between}
@media(max-width:760px){.nav nav{display:none}.phone{margin-left:auto}.hero-grid{grid-template-columns:1fr;padding:50px 0}.hero-art{display:none}.providers,.features,.steps{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.hero h1{font-size:39px}}
@media(max-width:520px){.brand{min-width:0}.phone{font-size:0;padding:11px}.phone:after{content:"☎";font-size:16px}.providers,.features,.steps,.footer-grid{grid-template-columns:1fr}.hero h1{font-size:34px}.section{padding:50px 0}.legal{display:block}.legal span{display:block;margin-top:10px}}
/* V2 branding and provider logos */
.brand-image{min-width:190px;height:58px;display:flex;align-items:center;overflow:hidden}
.brand-image img{display:block;width:185px;height:56px;object-fit:contain;object-position:left center}
.footer-brand.brand-image{background:#fff;border-radius:8px;padding:4px 8px;width:195px}
.provider-head{padding:18px}
.provider-logo{display:block;width:auto!important;height:auto!important;object-fit:contain!important;margin:0 auto!important}
.allianz-logo{max-width:175px!important;max-height:55px!important}
.bupa-logo{max-width:145px!important;max-height:58px!important}
.nib-logo{max-width:125px!important;max-height:58px!important}
.faq .section-head p{margin-bottom:0}
@media(max-width:520px){.brand-image{min-width:145px}.brand-image img{width:145px;height:48px}}
/* V3 annual OSHC pricing */
.annual-price{margin:12px 0 14px;padding:12px 10px;background:#f5fbf8;border:1px solid #d4e9df;border-radius:9px;text-align:center}
.annual-price strong{display:block;font-size:28px;line-height:1;color:#3b9a69}
.annual-price span{display:block;margin-top:6px;font-size:13px;font-weight:800;color:#083b73}
.annual-price small{display:block;margin-top:4px;font-size:10px;color:#627b96}
.price-note{max-width:820px;margin:18px auto 0;text-align:center;font-size:11px;line-height:1.55;color:#5a7390}
/* V4 visual refresh */
.oshc-hero{background:linear-gradient(120deg,#f7fbff 0%,#e9f5ff 55%,#d7efff 100%);border-bottom:3px solid #0b417e}
.oshc-hero .hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:38px;align-items:center;min-height:370px}
.oshc-hero h1{font-size:46px;line-height:1.04;margin:12px 0 16px;color:#07366d}
.oshc-hero h1 em{font-style:normal;color:#f21f3d}
.oshc-hero p{font-size:16px;line-height:1.65;max-width:620px}
.hero-points{display:flex;flex-wrap:wrap;gap:12px 22px;margin:22px 0;font-size:12px;font-weight:800;color:#174f87}
.student-scene{min-height:260px;border-radius:24px;background:linear-gradient(145deg,#fff,#edf7ff);box-shadow:0 18px 50px #0a47741f;border:1px solid #d6e8f7;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:28px}
.scene-badge{font-size:66px}.scene-title{font-size:20px;font-weight:900;color:#07366d;margin:8px 0 25px;text-align:center}
.scene-icons{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;width:100%}
.scene-icons span{background:#fff;border:1px solid #d8e7f4;border-radius:13px;padding:14px 8px;text-align:center;font-size:26px}
.scene-icons b{display:block;font-size:10px;color:#315a82;margin-top:7px}
.trust-strip{background:#fff;border-bottom:1px solid #d9e7f3;box-shadow:0 8px 22px #164a7410}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding-top:18px;padding-bottom:18px}
.trust-grid>div{display:flex;align-items:center;gap:12px}.trust-grid i{font-style:normal;font-size:27px;width:46px;height:46px;display:grid;place-items:center;background:#eff7ff;border-radius:50%}
.trust-grid b,.trust-grid small{display:block}.trust-grid b{font-size:12px;color:#0a3c73}.trust-grid small{font-size:9px;color:#6c8299;margin-top:3px}
.providers{align-items:stretch}.provider{transition:transform .18s ease,box-shadow .18s ease}.provider:hover{transform:translateY(-3px);box-shadow:0 16px 38px #163f6e1c}
.provider-body{display:flex;flex-direction:column;height:calc(100% - 120px)}
.provider-body p{min-height:52px}.provider-actions{margin-top:auto;display:grid;gap:9px}
.quote-btn{display:block;text-align:center;background:#f5223f;color:#fff;text-decoration:none;font-weight:900;font-size:12px;padding:12px 10px;border-radius:7px;box-shadow:0 7px 16px #f5223f24}
.provider-actions .outline{text-align:center}
.annual-price{padding:15px 10px}.annual-price strong{font-size:32px}
.oshc-guide{border-top:1px solid #dbe8f4;border-bottom:1px solid #dbe8f4}
.oshc-features>div{background:#fff;box-shadow:0 8px 25px #173e6810}
.choose-copy{text-align:center}.choose-copy h2{font-size:30px;margin:10px 0 14px}.choose-copy p{font-size:13px;line-height:1.7;color:#49698d}
@media(max-width:900px){.oshc-hero .hero-grid{grid-template-columns:1fr}.hero-visual{display:none}.trust-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:650px){.oshc-hero h1{font-size:36px}.trust-grid{grid-template-columns:1fr}.scene-icons{grid-template-columns:1fr}.oshc-features{grid-template-columns:1fr}}
/* V5 — photographic hero and polished comparison cards */
.oshc-hero{overflow:hidden}
.oshc-hero .hero-grid{grid-template-columns:1.02fr .98fr;min-height:400px}
.photo-hero{position:relative;min-height:320px;border-radius:24px;overflow:hidden;box-shadow:0 18px 50px #083e6f2a;border:1px solid #d2e5f4;background:#dceeff}
.photo-hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:63% center}
.photo-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,52,101,.08),transparent 45%)}
.photo-card{position:absolute;z-index:2;right:16px;top:16px;width:205px;background:rgba(255,255,255,.94);backdrop-filter:blur(5px);border-radius:17px;padding:12px;box-shadow:0 12px 30px #06366124}
.photo-card>div{display:flex;align-items:center;gap:9px;padding:8px 5px;border-bottom:1px solid #e6eef6}
.photo-card>div:last-child{border-bottom:0}.photo-card span{font-size:19px}.photo-card b{font-size:10px;color:#07396e}
.provider-head{height:132px}
.provider-head span{font-size:8px;letter-spacing:1.25px}
.provider{border:1px solid #bcd5ec;box-shadow:0 12px 30px #174a7712}
.provider-body h3{text-align:center;font-size:17px;margin-bottom:8px}
.provider-body>p{text-align:center;margin-left:auto;margin-right:auto}
.annual-price{background:linear-gradient(180deg,#f7fcf9,#f0faf5);border-color:#c6e3d3}
.quote-btn{font-size:12px;padding:13px 10px}
.provider-actions .outline{padding:12px 10px;background:#fff}
.nib-logo{max-width:145px!important;max-height:65px!important}
@media(max-width:900px){.photo-hero{display:none}.oshc-hero .hero-grid{grid-template-columns:1fr}}
/* V6 — closer to approved visual direction */
.oshc-hero{background:linear-gradient(90deg,#f5fbff 0%,#e9f7ff 48%,#dff3ff 100%)}
.oshc-hero .hero-grid{min-height:420px;gap:28px}
.photo-hero{min-height:345px;border-radius:20px}
.photo-hero>img{object-position:58% center}
.compact-photo-card{width:185px;right:14px;top:14px;padding:9px 11px}
.compact-photo-card>div{padding:7px 4px}
.trust-strip{background:#eff8ff}
.trust-grid>div{justify-content:center}
.provider-head{height:126px;background:#fff}
.provider-logo{filter:none}
.nib-logo{max-width:165px!important;max-height:72px!important}
.provider-body{padding:18px 19px 14px}
.provider-body h3{margin-top:0}
.card-benefits{list-style:none;margin:2px 0 17px;padding:0;color:#174f83;font-size:10px;line-height:1.65}
.card-benefits li{position:relative;padding-left:19px}
.card-benefits li:before{content:"✓";position:absolute;left:0;top:1px;width:13px;height:13px;border-radius:50%;background:#19a64a;color:#fff;font-size:9px;font-weight:900;line-height:13px;text-align:center}
.provider-body>p{min-height:44px;margin-bottom:9px}
.providers{gap:16px}
.provider{background:#fff;border-radius:15px;overflow:hidden}
.provider:nth-child(1){box-shadow:inset 0 4px 0 #d7ecff,0 12px 30px #174a7712}
.provider:nth-child(2){box-shadow:inset 0 4px 0 #e6f2ff,0 12px 30px #174a7712}
.provider:nth-child(3){box-shadow:inset 0 4px 0 #e4f1dc,0 12px 30px #174a7712}
.price-note{margin-top:14px}
@media(max-width:900px){.photo-hero{display:none}}
/* V8 — rebuilt to closely follow approved screenshot */
.v8-hero{position:relative;min-height:355px;overflow:hidden;background:#dff3ff}
.v8-hero-bg{position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(244,251,255,.98) 0%,rgba(235,248,255,.91) 34%,rgba(228,246,255,.10) 57%,rgba(224,244,255,.04) 100%),url("assets/student-sydney-hero.png");background-size:cover;background-position:center 47%}
.v8-hero-content{position:relative;z-index:2;display:grid;grid-template-columns:1fr 245px;align-items:center;min-height:355px}
.v8-copy{max-width:650px;padding:34px 0}
.v8-copy h1{font-size:46px;line-height:1.03;color:#073a75;margin:10px 0 15px}.v8-copy h1 em{font-style:normal;color:#f5223f}
.v8-copy p{max-width:540px;color:#174f83;font-size:15px;line-height:1.55}
.v8-checks{display:flex;gap:18px;flex-wrap:wrap;margin:18px 0 20px;color:#0b4e8d;font-weight:800;font-size:11px}
.v8-side{background:rgba(255,255,255,.94);border:1px solid #d4e5f2;border-radius:20px;padding:10px 16px;box-shadow:0 14px 32px #0b47731e}
.v8-side>div{display:flex;align-items:center;gap:12px;padding:10px 2px;border-bottom:1px solid #e4edf5}.v8-side>div:last-child{border:0}
.v8-side b{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:#f2f8ff;font-size:18px}.v8-side span{font-size:11px;font-weight:800;color:#0a3f78;line-height:1.35}
.v8-trust{background:#edf8ff}.v8-trust .trust-grid{padding-top:13px;padding-bottom:13px}
#compare{padding-top:30px}
.providers{gap:14px}.provider{border-radius:14px;background:#fff}
.provider-head{height:105px;padding:13px}.provider-head span{margin-top:6px}
.provider-body{padding:14px 16px 12px}.provider-body h3{display:none}.provider-body>p{display:none}
.card-benefits{font-size:10px;margin:4px 0 12px}.annual-price{margin:4px 0 8px;padding:9px}.annual-price strong{font-size:29px}
.provider-actions{gap:6px}.quote-btn,.provider-actions .outline{padding:10px 8px}
.price-note{font-size:9px;max-width:720px}
.v8-info-band{background:#eaf7ff;border-top:1px solid #d5e8f6;border-bottom:1px solid #d5e8f6;padding:22px 0}
.v8-info-grid{display:grid;grid-template-columns:1.15fr 1.15fr 1.15fr .75fr;gap:0}
.v8-info-grid>div{padding:4px 22px;border-right:1px solid #bfd9ed}.v8-info-grid>div:last-child{border:0}
.v8-info-grid h3{display:inline-block;margin:0 0 8px 7px;color:#073a75;font-size:16px}.info-icon{font-size:20px}
.v8-info-grid p,.v8-info-grid li{font-size:10px;line-height:1.55;color:#315d86}.v8-info-grid ul{margin:0;padding-left:17px}.v8-info-grid a{display:inline-block;margin-top:7px;border:1px solid #0872e6;border-radius:5px;padding:6px 10px;color:#0864c8;text-decoration:none;font-size:9px;font-weight:800}
.health-note{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}.health-note strong{font-size:25px;line-height:1.02;color:#0751a1;font-style:italic}.health-note span{margin-top:10px;color:#f5223f;font-weight:800}
@media(max-width:900px){.v8-hero-content{grid-template-columns:1fr}.v8-side{display:none}.v8-copy h1{font-size:38px}.v8-info-grid{grid-template-columns:1fr 1fr}.v8-info-grid>div{border-bottom:1px solid #bfd9ed}}
@media(max-width:600px){.v8-info-grid{grid-template-columns:1fr}.v8-info-grid>div{border-right:0}.v8-hero-bg{background-position:62% center}.v8-copy{background:rgba(245,251,255,.82);padding:28px 16px;border-radius:14px}.v8-copy h1{font-size:32px}}
/* V9 — screenshot-matched rebuild */
.shot-hero{position:relative;min-height:355px;overflow:hidden;background:#dff3ff}
.shot-hero-bg{position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(247,252,255,.99) 0%,rgba(239,249,255,.92) 31%,rgba(231,247,255,.22) 51%,rgba(228,245,255,.03) 100%),url("assets/student-sydney-hero.png");background-size:cover;background-position:center 45%}
.shot-hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) 235px;gap:28px;align-items:center;min-height:355px}
.shot-copy{max-width:650px;padding:31px 0}.shot-kicker{font-size:10px;font-weight:900;letter-spacing:3px;color:#0b4d8c}
.shot-copy h1{font-size:47px;line-height:1.03;margin:12px 0 13px;color:#073b76}.shot-copy h1 span{color:#f5223f}
.shot-copy p{max-width:550px;font-size:15px;line-height:1.55;color:#174d80;margin:0}
.shot-ticks{display:flex;flex-wrap:wrap;gap:12px 20px;margin:17px 0 20px;font-size:10px;font-weight:800;color:#0a4e8c}
.shot-primary{display:inline-block;background:#f5223f;color:#fff;text-decoration:none;padding:13px 22px;border-radius:7px;font-size:15px;font-weight:900;box-shadow:0 9px 20px rgba(245,34,63,.22)}
.shot-benefits{background:rgba(255,255,255,.95);border:1px solid #d6e6f2;border-radius:20px;padding:9px 16px;box-shadow:0 15px 36px rgba(8,55,95,.15)}
.shot-benefits>div{display:flex;align-items:center;gap:12px;padding:9px 2px;border-bottom:1px solid #e3edf5}.shot-benefits>div:last-child{border:0}
.shot-benefits i{font-style:normal;width:39px;height:39px;display:grid;place-items:center;border-radius:50%;background:#f1f8ff;font-size:18px}
.shot-benefits b{font-size:10px;line-height:1.35;color:#073d76}
.shot-trust{background:#eef8ff;border-bottom:1px solid #d8e8f4}.shot-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:13px 0}
.shot-trust-grid>div{display:flex;align-items:center;justify-content:center;gap:10px;border-right:1px solid #c9dfef}.shot-trust-grid>div:last-child{border:0}
.shot-trust-grid i{font-style:normal;width:42px;height:42px;display:grid;place-items:center;background:#fff;border-radius:50%;font-size:21px;box-shadow:0 4px 12px rgba(8,55,95,.08)}
.shot-trust-grid b,.shot-trust-grid small{display:block}.shot-trust-grid b{font-size:10px;color:#0b477f}.shot-trust-grid small{font-size:8px;color:#6a8399;margin-top:2px}
.shot-compare{background:linear-gradient(180deg,#f9fdff,#eff9ff);padding:25px 0 20px}
.shot-heading{text-align:center;margin-bottom:16px}.shot-heading>span{font-size:9px;letter-spacing:3px;font-weight:900;color:#0c4c89}
.shot-heading h2{font-size:31px;line-height:1.1;color:#073b76;margin:7px 0 6px}.shot-heading p{font-size:11px;color:#35648f;margin:0}
.shot-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;max-width:1050px;margin:0 auto}
.shot-card{background:#fff;border:1px solid #bcd8ee;border-radius:14px;padding:14px 16px 11px;box-shadow:0 11px 27px rgba(11,64,105,.08);overflow:hidden}
.shot-logo{height:52px;display:flex;align-items:center;justify-content:center}.shot-logo img{display:block;object-fit:contain;max-width:175px;max-height:52px}
.bupa-card .shot-logo img{max-width:88px;max-height:52px}.nib-card .shot-logo img{max-width:145px;max-height:52px}
.shot-sub{text-align:center;font-size:7px;letter-spacing:1.6px;font-weight:900;color:#456b92;margin:4px 0 9px}
.shot-price{text-align:center;background:#f3fbf7;border:1px solid #c9e4d5;border-radius:7px;padding:7px 5px;margin-bottom:9px}
.shot-price strong,.shot-price b,.shot-price small{display:block}.shot-price strong{font-size:29px;line-height:1;color:#16934d}.shot-price b{font-size:10px;color:#073b76;margin-top:4px}.shot-price small{font-size:8px;color:#5d7893;margin-top:2px}
.shot-card ul{list-style:none;padding:0;margin:7px 0 11px;font-size:9px;line-height:1.65;color:#164e81}.shot-card li{position:relative;padding-left:18px}
.shot-card li:before{content:"✓";position:absolute;left:0;top:2px;width:12px;height:12px;line-height:12px;text-align:center;border-radius:50%;background:#119843;color:#fff;font-size:8px;font-weight:900}
.shot-quote,.shot-detail{display:block;text-align:center;text-decoration:none;font-weight:900;border-radius:5px;font-size:10px}
.shot-quote{background:#f5223f;color:#fff;padding:10px 7px;margin-bottom:5px}.shot-detail{background:#fff;color:#0864c8;border:1px solid #0872e6;padding:8px 7px}
.shot-note{max-width:760px;margin:11px auto 0;text-align:center;font-size:8px;line-height:1.45;color:#597795}
.shot-info{background:#e9f7ff;border-top:1px solid #d6e9f6;padding:18px 0 21px}.shot-info-grid{display:grid;grid-template-columns:1.05fr 1.05fr 1.05fr .7fr}
.shot-info-grid>div{padding:2px 20px;border-right:1px solid #bfd9eb}.shot-info-grid>div:last-child{border:0}
.shot-info-title{display:flex;align-items:center;gap:8px}.shot-info-title i{font-style:normal;width:29px;height:29px;display:grid;place-items:center;border-radius:50%;background:#fff}
.shot-info-title h3{font-size:14px;color:#073b76;margin:0}.shot-info p,.shot-info li{font-size:9px;line-height:1.5;color:#315f87}
.shot-info ul{padding-left:16px;margin:8px 0}.shot-info a{display:inline-block;color:#0865c9;border:1px solid #0872e6;border-radius:5px;padding:5px 9px;text-decoration:none;font-size:8px;font-weight:900}
.shot-health{display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center}.shot-health strong{font-size:24px;line-height:1.02;font-style:italic;color:#0751a1}.shot-health span{margin-top:8px;color:#f5223f;font-weight:900;font-size:10px}
@media(max-width:900px){.shot-hero-inner{grid-template-columns:1fr}.shot-benefits{display:none}.shot-copy{padding:28px 0}.shot-copy h1{font-size:38px}.shot-trust-grid{grid-template-columns:repeat(2,1fr);gap:10px}.shot-cards{grid-template-columns:1fr}.shot-info-grid{grid-template-columns:1fr 1fr}.shot-info-grid>div{border-bottom:1px solid #bfd9eb}.shot-hero-bg{background-position:61% center}}
@media(max-width:600px){.shot-copy h1{font-size:32px}.shot-copy{background:rgba(248,253,255,.82);padding:24px 15px;border-radius:12px}.shot-trust-grid,.shot-info-grid{grid-template-columns:1fr}.shot-trust-grid>div{border-right:0}.shot-info-grid>div{border-right:0}.shot-heading h2{font-size:25px}}
/* V10 — full-page polish matching the approved screenshot */
body{background:#fff}
.wrap{max-width:1180px}
header{box-shadow:0 1px 0 #dbe9f4;background:#fff}
.brand-image img{width:190px!important;height:58px!important}
.shot-hero{min-height:380px}
.shot-hero-bg{background-position:center 43%}
.shot-hero-inner{min-height:380px}
.shot-copy h1{font-size:50px;letter-spacing:-1.1px}
.shot-copy p{font-size:15px}
.shot-benefits{margin-right:2px}
.shot-trust{background:linear-gradient(90deg,#eef9ff,#e7f6ff)}
.shot-compare{padding:26px 0 22px}
.shot-heading h2{font-size:34px}
.shot-cards{max-width:1120px;gap:16px}
.shot-card{padding:16px 18px 12px;box-shadow:0 12px 32px rgba(8,61,103,.09)}
.shot-logo{height:58px}
.shot-logo img{max-width:190px;max-height:57px}
.bupa-card .shot-logo img{max-width:94px;max-height:56px}
.nib-card .shot-logo img{max-width:160px;max-height:57px}
.shot-price{padding:9px 5px}.shot-price strong{font-size:31px}
.shot-card ul{font-size:10px}
.shot-quote{padding:11px 7px;font-size:11px}.shot-detail{padding:9px 7px;font-size:10px}
.shot-info{padding:22px 0;background:linear-gradient(90deg,#edf9ff,#e3f5ff)}
.shot-info-grid{max-width:1160px}
.shot-info-grid>div{padding:4px 24px}
.shot-info-title h3{font-size:16px}
.shot-info p,.shot-info li{font-size:10px}
.shot-health strong{font-size:27px}
/* Four comparison cards */
.v10-guide{padding:44px 0 48px!important;background:linear-gradient(180deg,#fbfdff,#f0f8ff)!important}
.v10-guide .section-head{max-width:850px;margin:0 auto 28px;text-align:center}
.v10-guide .section-head .eyebrow{letter-spacing:2.5px;font-size:9px}
.v10-guide .section-head h2{font-size:32px;color:#073b76;margin:8px 0 10px}
.v10-guide .section-head p{font-size:12px;line-height:1.6;color:#4d6f91}
.v10-guide .oshc-features{display:grid!important;grid-template-columns:repeat(4,1fr)!important;gap:18px!important}
.v10-guide .oshc-features>div{min-height:175px;border:1px solid #c7dff1;border-radius:14px;padding:24px 20px;text-align:center;background:#fff;box-shadow:0 10px 27px rgba(11,64,105,.07)}
.v10-guide .oshc-features i{font-size:35px;display:block;margin-bottom:15px;font-style:normal}
.v10-guide .oshc-features b{display:block;font-size:14px;color:#073b76;margin-bottom:8px}
.v10-guide .oshc-features p{font-size:10px;line-height:1.55;color:#42688b;margin:0}
/* Singles/couples/families band */
.v10-choose{padding:34px 0!important;background:linear-gradient(90deg,#f5fbff,#eaf7ff)!important;border-top:1px solid #dcebf6;border-bottom:1px solid #dcebf6}
.v10-choose .choose-copy{max-width:920px!important}
.v10-choose .choose-copy .eyebrow{font-size:9px;letter-spacing:2.5px}
.v10-choose .choose-copy h2{font-size:30px;color:#073b76;margin:8px 0 10px}
.v10-choose .choose-copy p{font-size:11px;line-height:1.6;margin:7px auto;color:#42688b}
/* FAQ area — compact two-column accordion on desktop */
.faq{max-width:1080px!important;padding-top:42px!important;padding-bottom:48px!important}
.faq .section-head{text-align:center;margin-bottom:26px}
.faq .section-head .eyebrow{font-size:9px;letter-spacing:2.5px}
.faq .section-head h2{font-size:31px;color:#073b76;margin:8px 0}
.faq .section-head p{font-size:11px;color:#527291}
.faq details{display:inline-block;vertical-align:top;width:calc(50% - 10px);margin:5px 4px!important;border:1px solid #c6dff2!important;border-radius:7px!important;background:#fff!important;box-shadow:0 4px 12px rgba(11,64,105,.035)}
.faq details summary{padding:12px 14px!important;font-size:10px!important;color:#073b76!important;font-weight:800}
.faq details p{padding:0 14px 13px!important;font-size:10px!important;line-height:1.55!important;color:#476b8c!important}
/* Disclaimer and footer refinement */
footer{background:linear-gradient(110deg,#073b78,#0b4a8d)!important}
.footer-brand.brand-image{width:210px!important;padding:6px 10px!important;border-radius:9px!important}
.footer-brand.brand-image img{width:185px!important}
footer h3{font-size:16px}
footer a,footer p{font-size:10px!important}
@media(max-width:900px){
.v10-guide .oshc-features{grid-template-columns:repeat(2,1fr)!important}
.faq details{width:100%;margin:5px 0!important}
}
@media(max-width:600px){
.v10-guide .oshc-features{grid-template-columns:1fr!important}
.shot-copy h1{font-size:34px}
}
/* V11 — substantial visual upgrade to lower page */
.v11-guide{position:relative;overflow:hidden;padding:58px 0!important;background:linear-gradient(135deg,#f9fdff 0%,#edf8ff 48%,#f8fcff 100%)!important;border-top:1px solid #d8e9f6}
.v11-guide:before,.v11-guide:after{content:"";position:absolute;border-radius:50%;background:#dff2ff;opacity:.65}
.v11-guide:before{width:260px;height:260px;left:-120px;top:-120px}.v11-guide:after{width:210px;height:210px;right:-80px;bottom:-110px}
.v11-guide .section-head{position:relative;z-index:1;max-width:820px;margin:0 auto 32px;text-align:center}
.v11-guide .section-head h2{font-size:36px;letter-spacing:-.6px;color:#073b76;margin:8px 0 10px}
.v11-guide .section-head p{font-size:13px;color:#4a6e91;line-height:1.6}
.v11-feature-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.v11-feature-grid article{position:relative;min-height:220px;padding:28px 22px 22px;background:rgba(255,255,255,.96);border:1px solid #c5dff2;border-radius:18px;text-align:center;box-shadow:0 16px 36px rgba(8,58,100,.08);transition:transform .18s ease,box-shadow .18s ease}
.v11-feature-grid article:hover{transform:translateY(-4px);box-shadow:0 20px 42px rgba(8,58,100,.13)}
.v11-icon{width:66px;height:66px;margin:0 auto 18px;display:grid;place-items:center;border-radius:18px;background:linear-gradient(145deg,#edf8ff,#dff2ff);font-size:33px;box-shadow:inset 0 0 0 1px #d2e8f8}
.v11-feature-grid h3{font-size:16px;color:#073b76;margin:0 0 10px}
.v11-feature-grid p{font-size:11px;line-height:1.6;color:#4d6d8b;margin:0 0 16px}
.v11-feature-grid article>span{display:inline-block;padding:5px 10px;border-radius:20px;background:#eef7ff;color:#1768ad;font-size:8px;font-weight:900;letter-spacing:.5px}
/* membership section */
.v11-choose{padding:46px 0;background:linear-gradient(110deg,#073f7d 0%,#0b579d 60%,#1170b8 100%);color:#fff;position:relative;overflow:hidden}
.v11-choose:after{content:"";position:absolute;width:320px;height:320px;border-radius:50%;right:-100px;top:-170px;background:rgba(255,255,255,.08)}
.v11-choose-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}
.v11-choose .eyebrow{color:#bfe1ff}
.v11-choose h2{font-size:32px;margin:8px 0 12px;color:#fff;letter-spacing:-.4px}
.v11-choose p{font-size:12px;line-height:1.65;color:#e8f5ff;max-width:680px}
.v11-small{font-size:10px!important;opacity:.88}
.v11-cover-types{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.v11-cover-types>div{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.24);border-radius:15px;padding:18px 10px;text-align:center;backdrop-filter:blur(4px)}
.v11-cover-types i{font-style:normal;font-size:30px;display:block;margin-bottom:8px}
.v11-cover-types b,.v11-cover-types small{display:block}.v11-cover-types b{font-size:13px}.v11-cover-types small{font-size:8px;color:#d8edff;margin-top:4px}
/* FAQ section now intentionally wide, balanced and two-column */
.v11-faq-section{padding:56px 0 62px!important;background:linear-gradient(180deg,#fff,#f5faff)}
.v11-faq-section .faq{width:92%!important;max-width:1160px!important;margin:0 auto!important;padding:0!important}
.v11-faq-section .faq .section-head{max-width:760px;margin:0 auto 28px}
.v11-faq-section .faq .section-head h2{font-size:35px;letter-spacing:-.5px}
.v11-faq-section .faq .section-head p{font-size:12px}
.v11-faq-section .faq{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;column-gap:18px!important;align-items:start}
.v11-faq-section .faq .section-head{grid-column:1/-1}
.v11-faq-section .faq details{display:block!important;width:100%!important;margin:0 0 10px!important;border:1px solid #c8def0!important;border-radius:10px!important;background:#fff!important;box-shadow:0 7px 18px rgba(8,58,100,.05)!important;overflow:hidden}
.v11-faq-section .faq details summary{padding:14px 16px!important;font-size:11px!important;line-height:1.35!important;color:#073b76!important}
.v11-faq-section .faq details[open]{border-color:#8fc2ea!important;box-shadow:0 10px 24px rgba(8,58,100,.09)!important}
.v11-faq-section .faq details p{padding:0 16px 15px!important;font-size:10px!important;line-height:1.6!important}
/* stronger footer */
footer{padding-top:48px!important;background:linear-gradient(120deg,#06366f 0%,#07498d 60%,#0a579f 100%)!important}
.footer-grid{gap:60px!important}
.footer-grid h4{font-size:15px!important;margin-bottom:17px!important}
.footer-grid a{margin:4px 0}
.source-note{background:#f5f9fd!important;padding:24px 0!important}
.source-note p{max-width:1160px;margin:auto!important;text-align:center;font-size:9px!important}
@media(max-width:760px){
.v11-feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.v11-choose-inner{grid-template-columns:1fr;gap:28px}
.v11-faq-section .faq{grid-template-columns:1fr!important}
}
@media(max-width:520px){
.v11-feature-grid{grid-template-columns:1fr}
.v11-cover-types{grid-template-columns:1fr}
}
/* V12 — top and middle rebuild; V11 FAQ/lower design preserved */
.v12-hero{min-height:410px;background:#e7f7ff}
.v12-hero .shot-hero-bg{
background-image:
linear-gradient(90deg,rgba(248,253,255,.99) 0%,rgba(241,250,255,.96) 29%,rgba(232,247,255,.46) 47%,rgba(228,245,255,.03) 66%),
url("assets/student-sydney-hero.png");
background-size:cover;
background-position:center 40%;
}
.v12-hero .shot-hero-inner{min-height:410px;grid-template-columns:minmax(0,1fr) 255px;gap:34px}
.v12-hero .shot-copy{max-width:665px;padding:40px 0}
.v12-hero .shot-kicker{font-size:10px;letter-spacing:3.2px}
.v12-hero .shot-copy h1{font-size:52px;line-height:1.01;margin:13px 0 17px;letter-spacing:-1.4px}
.v12-hero .shot-copy p{max-width:570px;font-size:16px;line-height:1.55}
.v12-hero .shot-ticks{margin:20px 0 23px;gap:13px 24px;font-size:11px}
.v12-hero .shot-ticks span{position:relative;padding-left:20px}
.v12-hero .shot-ticks span:before{content:"✓";position:absolute;left:0;top:-1px;width:15px;height:15px;display:grid;place-items:center;border-radius:50%;background:#0870cf;color:#fff;font-size:9px}
.v12-hero .shot-primary{padding:14px 25px;font-size:16px;border-radius:8px;box-shadow:0 11px 25px rgba(245,34,63,.26)}
.v12-hero .shot-benefits{padding:12px 18px;border-radius:22px;background:rgba(255,255,255,.94);box-shadow:0 20px 45px rgba(8,55,95,.18);backdrop-filter:blur(7px)}
.v12-hero .shot-benefits>div{padding:11px 2px;gap:14px}
.v12-hero .shot-benefits i{width:44px;height:44px;font-size:20px;background:linear-gradient(145deg,#fff,#eaf6ff);box-shadow:0 4px 12px rgba(8,65,112,.09)}
.v12-hero .shot-benefits b{font-size:11px;line-height:1.35}
/* stronger trust strip */
.v12-trust{background:#f5fbff;border-bottom:1px solid #cfe4f3;box-shadow:0 6px 18px rgba(8,60,101,.04)}
.v12-trust .shot-trust-grid{padding:16px 0}
.v12-trust .shot-trust-grid>div{gap:13px}
.v12-trust .shot-trust-grid i{width:48px;height:48px;font-size:23px;background:#fff;box-shadow:0 7px 18px rgba(8,58,100,.09)}
.v12-trust .shot-trust-grid b{font-size:11px}.v12-trust .shot-trust-grid small{font-size:9px}
/* premium provider comparison */
.v12-compare{padding:42px 0 28px;background:radial-gradient(circle at 50% 0,#fff 0,#f3fbff 48%,#edf8ff 100%)}
.v12-compare .shot-heading{margin-bottom:24px}
.v12-compare .shot-heading>span{font-size:9px;letter-spacing:3.5px}
.v12-compare .shot-heading h2{font-size:37px;letter-spacing:-.7px;margin:8px 0}
.v12-compare .shot-heading p{font-size:12px}
.v12-compare .shot-cards{max-width:1140px;gap:20px}
.v12-compare .shot-card{position:relative;padding:20px 20px 14px;border-radius:18px;border:1px solid #bfdcf0;box-shadow:0 17px 40px rgba(8,59,101,.10);transition:transform .18s ease,box-shadow .18s ease}
.v12-compare .shot-card:hover{transform:translateY(-4px);box-shadow:0 23px 46px rgba(8,59,101,.15)}
.v12-card-accent{position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,#d7edff,#74bdf0)}
.v12-compare .nib-card .v12-card-accent{background:linear-gradient(90deg,#e9f4df,#82bc68)}
.v12-compare .shot-logo{height:65px}.v12-compare .shot-logo img{max-width:200px;max-height:62px}
.v12-compare .bupa-card .shot-logo img{max-width:100px}.v12-compare .nib-card .shot-logo img{max-width:170px}
.v12-compare .shot-sub{margin:5px 0 12px}
.v12-compare .shot-price{padding:11px 5px;margin-bottom:12px;border-radius:9px;background:linear-gradient(180deg,#f7fcf9,#eef9f3)}
.v12-compare .shot-price strong{font-size:34px}.v12-compare .shot-price b{font-size:11px}
.v12-compare .shot-card ul{font-size:10px;line-height:1.75;margin:10px 0 14px}
.v12-compare .shot-card li:before{top:3px}
.v12-compare .shot-quote{padding:12px 8px;font-size:11px;border-radius:7px}
.v12-compare .shot-detail{padding:10px 8px;font-size:10px;border-radius:7px}
.v12-compare .shot-note{margin-top:15px;font-size:8px}
/* richer OSHC information strip */
.v12-info{padding:27px 0;background:linear-gradient(100deg,#e8f7ff 0%,#f2fbff 48%,#e6f6ff 100%);border-top:1px solid #d3e8f6;border-bottom:1px solid #d3e8f6}
.v12-info .shot-info-grid{max-width:1160px;gap:0}
.v12-info .shot-info-grid>div{padding:8px 27px;min-height:130px}
.v12-info .shot-info-title i{width:38px;height:38px;font-size:18px;box-shadow:0 5px 14px rgba(8,58,100,.08)}
.v12-info .shot-info-title h3{font-size:17px}
.v12-info p,.v12-info li{font-size:10px;line-height:1.6}
.v12-info a{margin-top:7px;padding:7px 11px;background:#fff}
.v12-info .shot-health strong{font-size:30px;line-height:1.02}
.v12-info .shot-health span{font-size:11px}
/* smoother transition into V11 lower content */
.v12-info + .v11-guide{border-top:0}
@media(max-width:900px){
.v12-hero .shot-hero-inner{grid-template-columns:1fr}
.v12-hero .shot-benefits{display:none}
.v12-hero .shot-copy h1{font-size:42px}
.v12-compare .shot-cards{grid-template-columns:1fr}
}
/* V13 — coded to match the approved visual direction */
:root{--pd-blue:#073f7f;--pd-mid:#0868bf;--pd-red:#ff203d;--pd-pale:#eef9ff;--pd-green:#11984b}
body{color:#083d75}
header{height:72px;background:#fff;box-shadow:0 1px 0 #d9e8f3}
header .wrap{max-width:1220px}
header nav a{font-weight:800;font-size:11px}
.brand-image img{width:205px!important;height:61px!important}
/* Hero */
.v13-hero{min-height:430px;border-bottom:0}
.v13-hero .shot-hero-bg{
background-image:linear-gradient(90deg,rgba(240,250,255,.98) 0%,rgba(231,247,255,.90) 29%,rgba(221,243,255,.16) 49%,rgba(219,243,255,.02) 100%),url("assets/student-sydney-hero.png");
background-position:center 39%;background-size:cover
}
.v13-hero .shot-hero-inner{min-height:430px;max-width:1220px;grid-template-columns:minmax(0,1fr) 270px}
.v13-hero .shot-copy{max-width:675px;padding:46px 0}
.v13-hero .shot-kicker{font-size:11px;letter-spacing:3.6px}
.v13-hero .shot-copy h1{font-size:54px;line-height:1.02;margin:13px 0 15px}
.v13-hero .shot-copy p{font-size:16px;max-width:570px}
.v13-hero .shot-ticks{font-size:11px;margin:20px 0 24px}
.v13-hero .shot-primary{font-size:17px;padding:15px 28px;border-radius:8px}
.v13-hero .shot-benefits{border-radius:20px;padding:10px 17px;background:rgba(255,255,255,.95)}
.v13-hero .shot-benefits>div{padding:10px 2px}
.v13-hero .shot-benefits i{width:45px;height:45px}
.v13-handnote{position:absolute;right:330px;top:50px;z-index:4;font-size:20px;line-height:1.15;font-weight:800;font-style:italic;color:#064d92;transform:rotate(-4deg);text-align:center}
.v13-handnote span{display:block;width:110px;height:3px;background:var(--pd-red);margin:8px auto 0;transform:rotate(-6deg)}
/* Trust strip */
.v13-trust{background:#e9f7ff}
.v13-trust .shot-trust-grid{max-width:1220px;padding:17px 0}
.v13-trust .shot-trust-grid i{width:50px;height:50px;color:#0966bd}
.v13-trust .shot-trust-grid b{font-size:12px}.v13-trust .shot-trust-grid small{font-size:9px}
/* Provider area */
.v13-compare{padding:34px 0 30px;background:linear-gradient(180deg,#fbfeff 0%,#edf9ff 100%)}
.v13-compare .shot-heading{margin-bottom:22px}
.v13-compare .shot-heading h2{font-size:38px}
.v13-compare .shot-heading p{font-size:12px}
.v13-compare .shot-cards{max-width:1160px;gap:18px}
.v13-compare .shot-card{padding:19px 20px 14px;border-radius:15px;box-shadow:0 13px 32px rgba(7,59,103,.09)}
.v13-compare .shot-logo{height:65px}
.v13-compare .shot-sub{font-size:7px;letter-spacing:1.8px}
.v13-compare .shot-price{padding:10px 5px}.v13-compare .shot-price strong{font-size:35px}
.v13-compare .shot-card ul{font-size:11px;line-height:1.7}
.v13-compare .shot-quote{font-size:12px;padding:12px 8px;background:var(--pd-red)}
.v13-compare .shot-detail{font-size:11px;padding:10px 8px}
/* Info band */
.v13-info{padding:30px 0;background:linear-gradient(90deg,#eaf8ff,#dff4ff)}
.v13-info .shot-info-grid{max-width:1180px;grid-template-columns:1fr 1fr 1fr .9fr}
.v13-info .shot-info-grid>div{min-height:175px;padding:8px 28px}
.v13-info .shot-info-title i{width:45px;height:45px;background:#fff;color:#0868bf}
.v13-info .shot-info-title h3{font-size:19px}
.v13-info p,.v13-info li{font-size:11px}
.v13-info .shot-health{position:relative;align-items:flex-start;padding-left:45px}
.v13-info .shot-health strong{font-size:32px;transform:rotate(-4deg)}
.v13-heart{position:absolute!important;top:22px;right:38px;color:var(--pd-red)!important;font-size:25px!important}
.v13-aus{position:absolute;right:24px;top:62px;width:78px;height:58px;display:grid;place-items:center;color:#a9d8f3;font-size:24px;font-weight:900}
.v13-health-list{list-style:none!important;padding:0!important;margin:12px 0 0!important}
.v13-health-list li{font-weight:800;color:#07467f!important;margin:3px 0}
.v13-health-list li:before{content:"✓";display:inline-grid;place-items:center;width:14px;height:14px;border-radius:50%;background:#11a050;color:#fff;margin-right:7px;font-size:9px}
/* Membership band mirrors approved concept */
.v13-choose{padding:42px 0;background:linear-gradient(110deg,#07509a,#0875c9 72%,#1591e1)}
.v13-choose .v11-choose-inner{max-width:1180px}
.v13-choose h2{font-size:31px}
.v13-choose .v11-cover-types>div{min-height:118px;display:flex;flex-direction:column;justify-content:center;background:#fff;color:#073f7f;border:0;box-shadow:0 12px 26px rgba(0,35,72,.14)}
.v13-choose .v11-cover-types>div:nth-child(2){background:#fff4fb}
.v13-choose .v11-cover-types>div:nth-child(3){background:#fff8e8}
.v13-choose .v11-cover-types b{font-size:15px}.v13-choose .v11-cover-types small{color:#31678f;font-size:9px}
/* FAQ remains two columns but receives matching finish */
.v13-faq{background:#f8fcff}
.v13-faq .faq details{border-color:#c5dff2!important}
.v13-faq .faq details summary{font-size:11px!important}
footer{background:linear-gradient(120deg,#06366f,#07498d 62%,#075ba5)!important}
@media(max-width:900px){
.v13-handnote{display:none}
.v13-info .shot-info-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
.v13-hero .shot-copy h1{font-size:35px}
.v13-info .shot-info-grid{grid-template-columns:1fr}
}
/* V14 — premium/catchy insurer comparison section */
.v14-compare{position:relative;overflow:hidden;padding:48px 0 42px!important;background:
radial-gradient(circle at 10% 5%,rgba(59,169,255,.16),transparent 26%),
radial-gradient(circle at 90% 10%,rgba(73,196,133,.12),transparent 25%),
linear-gradient(180deg,#f9fdff 0%,#eaf7ff 100%)!important}
.v14-compare:before{content:"";position:absolute;width:280px;height:280px;border-radius:50%;left:-150px;bottom:-170px;background:rgba(36,151,231,.09)}
.v14-compare:after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;right:-125px;top:-120px;background:rgba(42,180,116,.08)}
.v14-compare .wrap{position:relative;z-index:1}
.v14-compare .shot-heading{margin-bottom:30px}
.v14-compare .shot-heading>span{display:inline-block;padding:6px 12px;border-radius:20px;background:#e2f3ff;color:#07559c;letter-spacing:3px}
.v14-compare .shot-heading h2{font-size:40px!important;letter-spacing:-.9px;margin:10px 0 8px!important}
.v14-compare .shot-heading p{font-size:13px!important;color:#537694}
.v14-compare .shot-cards{max-width:1180px!important;gap:22px!important}
.v14-compare .shot-card{position:relative;padding:23px 22px 17px!important;border-radius:20px!important;border:1px solid #c2dff2!important;background:linear-gradient(180deg,#fff 0%,#fbfdff 100%)!important;box-shadow:0 18px 44px rgba(8,58,100,.11)!important;overflow:hidden}
.v14-compare .shot-card:before{content:"";position:absolute;width:120px;height:120px;border-radius:50%;right:-58px;top:-65px;background:#e8f6ff}
.v14-compare .nib-card:before{background:#edf8e8}
.v14-compare .shot-card:hover{transform:translateY(-6px)!important;box-shadow:0 25px 54px rgba(8,58,100,.17)!important}
.v14-compare .v12-card-accent{height:6px!important;background:linear-gradient(90deg,#0875d1,#55b7ef)!important}
.v14-compare .nib-card .v12-card-accent{background:linear-gradient(90deg,#118b52,#76c66a)!important}
.v14-compare .shot-logo{height:73px!important;position:relative;z-index:1}
.v14-compare .shot-logo img{max-width:210px!important;max-height:66px!important}
.v14-compare .bupa-card .shot-logo img{max-width:105px!important}.v14-compare .nib-card .shot-logo img{max-width:175px!important}
.v14-compare .shot-sub{font-size:8px!important;letter-spacing:2px!important;margin:5px 0 15px!important}
.v14-compare .shot-price{position:relative;padding:13px 5px!important;margin-bottom:15px!important;border-radius:12px!important;background:linear-gradient(135deg,#f4fcf7,#eaf8f1)!important;border:1px solid #b9dfcb!important}
.v14-compare .shot-price strong{font-size:39px!important;letter-spacing:-1px}.v14-compare .shot-price b{font-size:12px!important}.v14-compare .shot-price small{font-size:9px!important}
.v14-compare .shot-card ul{font-size:11px!important;line-height:1.8!important;margin:12px 0 16px!important}
.v14-compare .shot-card li{padding-left:22px!important}.v14-compare .shot-card li:before{width:15px!important;height:15px!important;line-height:15px!important;top:3px!important}
.v14-compare .shot-quote{position:relative;overflow:hidden;padding:13px 8px!important;font-size:12px!important;border-radius:8px!important;background:linear-gradient(90deg,#ff1839,#ff3150)!important;box-shadow:0 8px 18px rgba(255,31,61,.20)}
.v14-compare .shot-quote:hover{filter:brightness(.97);transform:translateY(-1px)}
.v14-compare .shot-detail{padding:11px 8px!important;font-size:11px!important;border-radius:8px!important;background:#fff!important}
.v14-compare .shot-note{margin-top:18px!important;font-size:9px!important;line-height:1.55!important;color:#607e98!important}
@media(max-width:900px){.v14-compare .shot-heading h2{font-size:32px!important}}
/* V15 — keep all text/UI clear of the student's face */
.v15-hero .shot-hero-inner{
grid-template-columns:minmax(0,1fr) 235px!important;
gap:18px!important;
}
.v15-hero .shot-benefits{
position:absolute!important;
right:12px!important;
top:185px!important;
width:225px!important;
z-index:5!important;
padding:8px 14px!important;
border-radius:18px!important;
}
.v15-hero .shot-benefits>div{padding:7px 2px!important}
.v15-hero .shot-benefits i{width:38px!important;height:38px!important;font-size:17px!important}
.v15-hero .shot-benefits b{font-size:10px!important}
.v15-hero .v13-handnote{
right:auto!important;
left:49%!important;
top:38px!important;
transform:translateX(-50%) rotate(-4deg)!important;
font-size:19px!important;
z-index:4!important;
}
.v15-hero .shot-hero-bg{
background-position:55% 39%!important;
}
@media(max-width:1050px){
.v15-hero .shot-benefits{right:8px!important;width:210px!important}
.v15-hero .v13-handnote{left:48%!important}
}
@media(max-width:900px){
.v15-hero .shot-benefits{display:none!important}
.v15-hero .v13-handnote{display:none!important}
.v15-hero .shot-hero-bg{background-position:62% center!important}
}
/* V16 — catchy provider cards based on approved comparison concept */
.v16-compare{padding:50px 0 44px!important;background:
radial-gradient(circle at 7% 8%,rgba(45,143,232,.14),transparent 24%),
radial-gradient(circle at 93% 12%,rgba(51,184,112,.11),transparent 22%),
linear-gradient(180deg,#f9fdff 0%,#eaf7ff 100%)!important}
.v16-compare .shot-cards{max-width:1210px!important;gap:20px!important}
.v16-compare .shot-card{padding:25px 20px 18px!important;border-radius:22px!important;
box-shadow:0 20px 46px rgba(8,58,100,.13)!important}
.v16-compare .shot-card:hover{transform:translateY(-7px)!important;box-shadow:0 28px 58px rgba(8,58,100,.18)!important}
.v16-compare .shot-logo{height:78px!important}
.v16-compare .shot-logo img{max-height:70px!important}
.v16-compare .allianz-card .shot-logo img{max-width:225px!important}
.v16-compare .bupa-card .shot-logo img{max-width:110px!important}
.v16-compare .nib-card .shot-logo img{max-width:180px!important} /* actual nib logo retained */
.v16-oshc-label{display:flex!important;align-items:center;justify-content:center;gap:13px;
margin:8px 0 18px!important;padding:12px 14px!important;border-radius:999px;
background:linear-gradient(135deg,#edf7ff,#f8fcff);border:1px solid #cbe4f6;
letter-spacing:.7px!important;color:#07519a!important}
.v16-oshc-label strong{font-size:15px;line-height:1.12;letter-spacing:.8px}
.v16-cap{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;
background:#fff;color:#0873cf;font-size:16px;box-shadow:0 5px 13px rgba(8,83,145,.12)}
.v16-compare .nib-card .v16-oshc-label{background:linear-gradient(135deg,#edf9f1,#f9fdf9);
border-color:#c7e6d1;color:#087942!important}
.v16-compare .nib-card .v16-cap{color:#0a9552}
.v16-price-row{display:grid;grid-template-columns:minmax(0,1fr) 112px;gap:10px;align-items:stretch;margin-bottom:16px}
.v16-price-row .shot-price{margin:0!important;display:flex;flex-direction:column;justify-content:center;min-height:100px}
.v16-visa-badge{border-radius:16px;background:linear-gradient(145deg,#f6fbff,#eef7ff);
border:1px solid #d4e8f6;display:flex;align-items:center;justify-content:center;gap:7px;padding:10px 7px;color:#07467f}
.v16-visa-badge span{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;
background:#e9f9ef;border:2px solid #15a557;color:#109649;font-size:16px;font-weight:900}
.v16-visa-badge b{font-size:9px;line-height:1.35}
.v16-compare .shot-price strong{font-size:41px!important}
.v16-compare .shot-card ul{font-size:11px!important;line-height:1.85!important;margin:12px 0 17px!important}
.v16-compare .shot-quote{font-size:13px!important;padding:14px 9px!important;border-radius:9px!important}
.v16-compare .shot-detail{font-size:11px!important;padding:11px 9px!important;border-radius:9px!important}
@media(max-width:1100px){
.v16-price-row{grid-template-columns:1fr}
.v16-visa-badge{min-height:52px}
}
@media(max-width:900px){
.v16-compare .shot-cards{grid-template-columns:1fr!important}
.v16-price-row{grid-template-columns:minmax(0,1fr) 120px}
}
@media(max-width:520px){
.v16-price-row{grid-template-columns:1fr}
.v16-oshc-label strong{font-size:13px}
}
/* V17 — approved airy comparison concept, coded as live HTML */
.v17-compare{padding:44px 0 36px;background:radial-gradient(circle at 4% 12%,rgba(46,151,230,.13),transparent 23%),radial-gradient(circle at 95% 14%,rgba(37,177,105,.10),transparent 22%),linear-gradient(180deg,#fbfeff,#eef9ff);overflow:hidden}
.v17-heading-row{position:relative;max-width:1220px;margin:0 auto 28px}.v17-heading-row .shot-heading{margin:0;text-align:center}.v17-heading-row .shot-heading>span{display:inline-block;color:#07539a;font-size:10px;font-weight:900;letter-spacing:4px}.v17-heading-row h2{font-size:39px!important;margin:8px 0 5px!important;color:#063f7d}.v17-heading-row h2 em{font-style:normal;color:#0879e6}.v17-heading-row p{font-size:14px!important;color:#4c7295}.v17-note-script{position:absolute;right:8px;top:-4px;color:#0871d6;font-size:21px;line-height:1.05;font-weight:800;font-style:italic;transform:rotate(-4deg);text-align:left}.v17-note-script b{font-size:24px}
.v17-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:1240px;margin:auto}.v17-card{--brand:#079b8d;--soft:#effbf8;position:relative;background:linear-gradient(180deg,#fff,#fcfeff);border:1px solid #cce2ef;border-radius:22px;padding:22px 20px 18px;box-shadow:0 18px 42px rgba(8,58,100,.12);overflow:hidden;transition:.2s}.v17-card:hover{transform:translateY(-5px);box-shadow:0 25px 55px rgba(8,58,100,.17)}.v17-card.bupa-card{--brand:#0878e5;--soft:#eef7ff}.v17-card.nib-card{--brand:#006b45;--soft:#eff9f2}.v17-topline{position:absolute;left:0;right:0;top:0;height:6px;background:var(--brand)}.v17-card:after{content:"";position:absolute;right:-45px;top:-48px;width:120px;height:120px;border-radius:50%;background:var(--soft)}
.v17-logo-row{height:80px;display:flex;align-items:center;justify-content:center;position:relative;z-index:1}.v17-logo-row img{max-width:210px;max-height:64px;object-fit:contain}.v17-card.bupa-card .v17-logo-row img{max-width:95px;max-height:66px}.v17-card.nib-card .v17-logo-row img{max-width:155px;max-height:60px}.v17-provider-tag{position:absolute;right:0;top:5px;font-size:9px;font-weight:800;color:var(--brand);background:var(--soft);padding:6px 9px;border-radius:999px}
.v17-cover-label{display:flex;align-items:center;justify-content:center;gap:13px;min-height:72px;margin:4px 0 15px;padding:10px 14px;border-radius:38px;background:var(--soft);border:1px solid color-mix(in srgb,var(--brand) 25%,white);color:var(--brand);text-align:center}.v17-cover-label span{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#fff;box-shadow:0 5px 14px rgba(0,65,115,.12);font-size:19px}.v17-cover-label strong{font-size:16px;line-height:1.13;letter-spacing:.7px}
.v17-price-line{display:grid;grid-template-columns:1fr 128px;gap:10px;margin-bottom:15px}.v17-price,.v17-visa{min-height:112px;border-radius:14px;border:1px solid color-mix(in srgb,var(--brand) 24%,white);background:linear-gradient(135deg,var(--soft),#fff);display:flex;flex-direction:column;align-items:center;justify-content:center}.v17-price strong{font-size:42px;line-height:1;color:var(--brand);letter-spacing:-1px}.v17-price b{font-size:13px;color:#063f7d;margin-top:4px}.v17-price small{font-size:9px;color:#5d7890;margin-top:4px}.v17-visa{flex-direction:row;gap:8px;padding:8px;color:#063f7d}.v17-visa span{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--brand);color:#fff;font-weight:900;font-size:18px}.v17-visa b{font-size:10px;line-height:1.35}
.v17-card ul{list-style:none;padding:0;margin:13px 3px 18px;color:#0b477f;font-size:11px;line-height:1.8}.v17-card li{position:relative;padding-left:23px}.v17-card li:before{content:"✓";position:absolute;left:0;top:3px;width:15px;height:15px;line-height:15px;text-align:center;border-radius:50%;background:var(--brand);color:#fff;font-size:9px;font-weight:900}.v17-quote,.v17-detail{display:block;text-align:center;text-decoration:none;font-weight:800;border-radius:9px}.v17-quote{padding:14px 8px;background:linear-gradient(90deg,#ff1739,#ff3150);color:#fff;font-size:13px;box-shadow:0 8px 18px rgba(255,31,61,.18);margin-bottom:8px}.v17-detail{padding:11px 8px;background:#fff;border:2px solid var(--brand);color:var(--brand);font-size:11px}.v17-disclaimer{max-width:850px;margin:17px auto 0;text-align:center;color:#64839c;font-size:9px;line-height:1.5}
@media(max-width:1050px){.v17-note-script{display:none}.v17-price-line{grid-template-columns:1fr}.v17-visa{min-height:55px}.v17-provider-tag{display:none}}
@media(max-width:900px){.v17-cards{grid-template-columns:1fr;max-width:520px}.v17-price-line{grid-template-columns:1fr 130px}.v17-heading-row h2{font-size:32px!important}}
@media(max-width:520px){.v17-price-line{grid-template-columns:1fr}.v17-cover-label strong{font-size:14px}}
/* V18 — What is OSHC guide */
.oshc-learn-page{background:#fff}.oshc-learn-hero{padding:62px 0;background:radial-gradient(circle at 90% 15%,rgba(54,181,255,.18),transparent 25%),linear-gradient(120deg,#eef9ff,#fff 65%)}
.oshc-learn-hero-grid{display:grid;grid-template-columns:1.45fr .72fr;gap:55px;align-items:center;max-width:1180px}
.oshc-breadcrumb{font-size:12px;color:#6a849d;margin-bottom:25px}.oshc-breadcrumb a{color:#0870c8;font-weight:800}.oshc-breadcrumb span{margin:0 9px}
.oshc-guide-kicker,.oshc-mini-title{font-size:10px;letter-spacing:3px;font-weight:900;color:#0a5da6}
.oshc-learn-hero h1{font-size:62px;line-height:1;margin:12px 0 18px;color:#073e7b}.oshc-learn-hero h1 em{font-style:normal;color:#ff203d}
.oshc-lead{font-size:19px;line-height:1.65;max-width:720px;color:#315e82}.oshc-hero-points{display:flex;gap:18px;flex-wrap:wrap;margin:25px 0}.oshc-hero-points span{font-size:12px;font-weight:800;color:#07559d}
.oshc-red-cta{display:inline-block;background:linear-gradient(90deg,#ff1939,#ff3651);color:#fff!important;font-weight:900;padding:15px 23px;border-radius:9px;box-shadow:0 10px 24px rgba(255,31,61,.22)}
.oshc-quick-card{background:#fff;border:1px solid #cce5f5;border-radius:24px;padding:28px;box-shadow:0 22px 55px rgba(5,67,116,.12)}.oshc-quick-icon{width:58px;height:58px;display:grid;place-items:center;border-radius:18px;background:#eaf7ff;font-size:27px}.oshc-quick-card h2{font-size:24px;color:#073f7f;margin:14px 0}.oshc-quick-card>div:not(.oshc-quick-icon){display:grid;grid-template-columns:75px 1fr;gap:8px;padding:12px 0;border-top:1px solid #e3eef6}.oshc-quick-card b{color:#0870c8}.oshc-quick-card span{font-size:12px;line-height:1.5;color:#496c88}
.oshc-jumpbar{background:#073f7f}.oshc-jumpbar .wrap{max-width:1180px;display:flex;justify-content:center;gap:5px;flex-wrap:wrap;padding:10px 0}.oshc-jumpbar a{color:#fff;padding:10px 14px;font-size:11px;font-weight:800;border-radius:7px}.oshc-jumpbar a:hover{background:rgba(255,255,255,.12)}
.oshc-content-section{padding:70px 0}.oshc-soft{background:#f2f9fe}.oshc-two-col{max-width:1120px;display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:center}.oshc-two-col.reverse{grid-template-columns:1.2fr .8fr}.oshc-copy h2,.oshc-section-head h2{font-size:36px;color:#073f7f;margin:9px 0 16px}.oshc-copy p,.oshc-section-head p{font-size:15px;line-height:1.75;color:#496b87}.oshc-callout{margin-top:23px;padding:18px 20px;background:#eaf7ff;border-left:4px solid #0875d1;border-radius:0 12px 12px 0;color:#315e82;font-size:13px;line-height:1.6}
.oshc-visual-card{padding:35px;background:linear-gradient(145deg,#07509a,#0878ce);color:#fff;border-radius:26px;box-shadow:0 22px 45px rgba(7,70,127,.2)}.oshc-big-icon{font-size:48px}.oshc-visual-card h3{font-size:27px;margin:12px 0}.oshc-visual-card p{line-height:1.65;color:#dcefff}.oshc-checks{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}.oshc-checks span{background:rgba(255,255,255,.14);padding:8px 11px;border-radius:999px;font-size:11px;font-weight:800}
.oshc-section-head{text-align:center;max-width:790px;margin:0 auto 35px}.oshc-cover-grid{max-width:1120px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.oshc-cover-grid article{background:#fff;border:1px solid #d1e5f3;border-radius:18px;padding:25px;box-shadow:0 10px 28px rgba(7,64,111,.06)}.oshc-cover-grid i{font-style:normal;font-size:30px}.oshc-cover-grid h3{font-size:17px;color:#073f7f;margin:12px 0 8px}.oshc-cover-grid p{font-size:12px;line-height:1.6;color:#56758f}
.oshc-limit-card{background:#f8fcff;border:1px solid #d2e6f4;border-radius:22px;padding:28px}.oshc-limit-card h3{font-size:22px;color:#073f7f;margin:0 0 12px}.oshc-limit-card>div{display:grid;grid-template-columns:42px 100px 1fr;align-items:center;border-top:1px solid #dfebf4;padding:13px 0}.oshc-limit-card span{font-size:22px}.oshc-limit-card b{color:#07467f}.oshc-limit-card small{color:#658098}.oshc-outline-cta{display:inline-block;margin-top:15px;border:2px solid #0875d1;border-radius:8px;padding:11px 16px;color:#075cab!important;font-weight:900}
.oshc-blue-band{background:linear-gradient(120deg,#064785,#0876c8);color:#fff}.oshc-section-head.light h2,.oshc-section-head.light p,.oshc-blue-band .oshc-mini-title{color:#fff}.oshc-timeline{max-width:1120px;margin:auto;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.oshc-timeline>div{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:18px;padding:24px}.oshc-timeline span{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#fff;color:#075bab;font-weight:900}.oshc-timeline h3{font-size:17px;margin:15px 0 7px}.oshc-timeline p{font-size:12px;line-height:1.55;color:#dbeeff}
.oshc-membership-grid{max-width:850px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.oshc-membership-grid article{text-align:center;padding:30px;background:#fff;border:1px solid #d2e5f3;border-radius:20px;box-shadow:0 12px 30px rgba(6,61,107,.07)}.oshc-membership-grid article div{font-size:42px}.oshc-membership-grid h3{font-size:20px;color:#073f7f;margin:10px 0}.oshc-membership-grid p{font-size:12px;color:#5b7890}
.oshc-compare-list{max-width:850px;margin:0 auto 30px}.oshc-compare-list>div{display:grid;grid-template-columns:55px 1fr;gap:16px;align-items:center;background:#fff;border:1px solid #d6e8f4;border-radius:14px;padding:16px 18px;margin:10px 0}.oshc-compare-list b{font-size:18px;color:#0a70c8}.oshc-compare-list strong{display:block;color:#073f7f;font-size:14px}.oshc-compare-list small{display:block;color:#607d94;margin-top:3px;line-height:1.5}.oshc-center{text-align:center}
.oshc-faq-mini{padding:70px 0}.oshc-mini-faq-grid{max-width:950px;margin:auto;display:grid;grid-template-columns:1fr 1fr;gap:13px}.oshc-mini-faq-grid details{border:1px solid #cfe2f0;border-radius:13px;padding:0 17px;background:#fff}.oshc-mini-faq-grid summary{padding:17px 0;font-weight:900;color:#073f7f;cursor:pointer}.oshc-mini-faq-grid p{font-size:12px;line-height:1.6;color:#57748b;padding:0 0 15px}
.oshc-sources{padding:35px 0;background:#edf7fd;border-top:1px solid #d3e7f3}.oshc-sources h3{color:#073f7f}.oshc-sources p{font-size:12px;color:#5a758b}.oshc-sources div div{display:flex;gap:10px;flex-wrap:wrap}.oshc-sources a{font-size:11px;font-weight:900;color:#0766b6!important;background:#fff;border:1px solid #c8e0f0;padding:9px 12px;border-radius:8px}
@media(max-width:900px){.oshc-learn-hero-grid,.oshc-two-col,.oshc-two-col.reverse{grid-template-columns:1fr}.oshc-cover-grid{grid-template-columns:1fr 1fr}.oshc-timeline{grid-template-columns:1fr 1fr}.oshc-learn-hero h1{font-size:48px}}
@media(max-width:600px){.oshc-learn-hero{padding:40px 0}.oshc-learn-hero h1{font-size:39px}.oshc-lead{font-size:16px}.oshc-cover-grid,.oshc-timeline,.oshc-membership-grid,.oshc-mini-faq-grid{grid-template-columns:1fr}.oshc-jumpbar{display:none}.oshc-copy h2,.oshc-section-head h2{font-size:29px}}
/* V19 — approved What is OSHC visual direction */
.oshc-learn-more-btn{display:inline-block!important;margin-top:9px!important;padding:10px 18px!important;border:2px solid #0875d1!important;border-radius:7px!important;background:#fff!important;color:#075da9!important;font-size:13px!important;line-height:1!important;font-weight:900!important;box-shadow:0 5px 14px rgba(5,89,160,.08)}
.oshc19{background:#fff;color:#143f69}.g19-hero{padding:22px 0 34px;background:linear-gradient(115deg,#fff 0%,#f7fcff 52%,#e9f7ff 100%);overflow:hidden}.g19-crumb{font-size:12px;color:#6b87a1;margin-bottom:24px}.g19-crumb a{color:#557795}.g19-crumb span{padding:0 10px}.g19-hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:30px;align-items:center}.g19-pill,.g19-eyebrow{display:inline-block;font-size:10px;letter-spacing:1.4px;font-weight:900;color:#0873ce;background:#dff2ff;border-radius:999px;padding:7px 10px}.g19-hero h1{font-size:58px;line-height:1;color:#073f7f;margin:14px 0 10px}.g19-hero-copy h2{font-size:21px;line-height:1.45;font-weight:600;color:#315d82;max-width:650px;margin:0 0 17px}.g19-hero-copy>p{font-size:14px;line-height:1.75;color:#466b88;max-width:660px}.g19-actions{display:flex;gap:13px;margin:25px 0 19px;flex-wrap:wrap}.g19-primary,.g19-secondary{padding:14px 23px;border-radius:999px;font-weight:900;font-size:13px}.g19-primary{background:#0877e7;color:#fff!important;box-shadow:0 10px 22px rgba(0,111,224,.2)}.g19-secondary{border:2px solid #1785ea;color:#0871cc!important;background:#fff}.g19-trust{display:flex;gap:25px;flex-wrap:wrap}.g19-trust span{font-size:11px;font-weight:800;color:#3e6481}.g19-trust span::first-letter{color:#08a54a}
.g19-hero-photo{height:350px;position:relative;border-radius:24px;overflow:hidden;background:#eaf8ff;box-shadow:0 18px 45px rgba(7,69,123,.1)}.g19-hero-photo>img{width:100%;height:100%;object-fit:cover;object-position:center}.g19-hand{position:absolute;left:7%;top:22%;font-family:cursive;font-size:29px;line-height:1.05;color:#0875dc;transform:rotate(-4deg);text-shadow:0 2px 10px #fff}.g19-side-icons{position:absolute;right:15px;top:18px;bottom:18px;width:108px;border-radius:20px;background:rgba(255,255,255,.93);display:grid;grid-template-rows:repeat(3,1fr);box-shadow:0 8px 25px rgba(7,65,117,.12)}.g19-side-icons div{display:grid;place-items:center;text-align:center;border-bottom:1px solid #e1edf5;font-size:10px;color:#164a76}.g19-side-icons div:last-child{border:0}.g19-side-icons i{font-style:normal;font-size:25px;display:block}
.g19-fast{padding:25px 0}.g19-fast-grid{display:grid;grid-template-columns:repeat(4,1fr);background:#eef8ff;border-radius:20px;overflow:hidden}.g19-fast article{padding:26px 24px;border-right:1px solid #bfd9ea}.g19-fast article:last-child{border:0}.g19-fast i{font-style:normal;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:#d9efff;font-size:23px}.g19-fast h3{font-size:16px;color:#073f7f;margin:13px 0 8px}.g19-fast p{font-size:11px;line-height:1.65;color:#456983;min-height:74px}.g19-fast a{font-size:11px;font-weight:900;color:#0874d2!important}
.g19-importance{padding:40px 0}.g19-intro-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:30px}.g19-intro-grid h2,.g19-section-title h2,.g19-faq-head h2{font-size:36px;color:#073f7f;margin:10px 0}.g19-intro-grid>div>p,.g19-section-title>p{font-size:13px;line-height:1.75;color:#4b6e89}.g19-benefit-icons{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;margin-top:27px;text-align:center}.g19-benefit-icons i{font-style:normal;font-size:27px;display:block;margin-bottom:7px}.g19-benefit-icons b{font-size:11px;line-height:1.4;color:#113f6a}.g19-quote{border-radius:20px;background:linear-gradient(135deg,#eaf8ff,#f6fbff);padding:35px;display:flex;flex-direction:column;justify-content:center}.g19-quote>span{font-size:65px;line-height:.6;color:#8bcaff;font-weight:900}.g19-quote p{font-size:15px;line-height:1.7;font-style:italic;color:#315e83}.g19-quote b{font-size:11px;color:#557692}
.g19-cover{padding:25px 0 55px}.g19-cover-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.g19-cover-grid>div{padding:26px 30px;border-radius:18px}.g19-cover-grid h2{font-size:20px;margin:0 0 17px}.g19-cover-grid p{font-size:12px;margin:12px 0}.g19-green{background:linear-gradient(120deg,#ecfff2,#f7fff9);color:#126b35}.g19-red{background:linear-gradient(120deg,#fff0f2,#fff8f9);color:#a71f34}
.g19-timing{padding:55px 0;background:#f1f9ff}.g19-section-title{text-align:center;max-width:790px;margin:0 auto 30px}.g19-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.g19-steps>div{background:#fff;border:1px solid #d4e7f3;border-radius:17px;padding:23px;box-shadow:0 8px 24px rgba(6,68,116,.05)}.g19-steps b{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:#0878df;color:#fff}.g19-steps h3{font-size:15px;color:#073f7f;margin:14px 0 7px}.g19-steps p{font-size:11px;line-height:1.6;color:#58768d}
.g19-family{padding:55px 0}.g19-family-grid{max-width:850px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.g19-family-grid article{text-align:center;border:1px solid #d4e6f2;border-radius:18px;padding:27px;background:#fff;box-shadow:0 9px 25px rgba(6,65,110,.06)}.g19-family-grid i{font-style:normal;font-size:36px}.g19-family-grid h3{color:#073f7f;margin:10px 0 5px}.g19-family-grid p{font-size:11px;color:#607d93}
.g19-compare{padding:0 0 55px}.g19-compare-inner{background:linear-gradient(100deg,#e7f7ff,#d8f0ff);border-radius:17px;padding:23px 30px;display:flex;justify-content:space-between;align-items:center;gap:20px}.g19-compare h2{font-size:25px;color:#073f7f;margin:0 0 4px}.g19-compare p{font-size:12px;color:#426983;margin:0}.g19-compare a{white-space:nowrap;background:#0878e6;color:#fff!important;border-radius:999px;padding:14px 35px;font-size:13px;font-weight:900}
.g19-faq{padding:58px 0;background:#fbfdff}.g19-faq-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:24px}.g19-faq-head p{font-size:12px;color:#59758c}.g19-faq-count{text-align:center;font-size:26px;font-weight:900;color:#0877d9;background:#e8f6ff;border-radius:16px;padding:12px 18px;line-height:1}.g19-faq-count small{font-size:8px;letter-spacing:1px}.g19-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.g19-faq-grid details{background:#fff;border:1px solid #d5e4ee;border-radius:11px;margin-bottom:9px;box-shadow:0 4px 14px rgba(6,63,105,.035)}.g19-faq-grid summary{list-style:none;cursor:pointer;padding:13px 16px;color:#174b77;font-size:12px;font-weight:800;display:flex;align-items:center;gap:10px}.g19-faq-grid summary::-webkit-details-marker{display:none}.g19-faq-grid summary:after{content:"⌄";margin-left:auto;color:#075da8;font-size:17px}.g19-faq-grid details[open] summary:after{content:"⌃"}.g19-faq-grid summary b{width:25px;height:25px;border-radius:50%;display:grid;place-items:center;background:#dff2ff;color:#0876d5;font-size:10px}.g19-faq-grid details p{font-size:11px;line-height:1.7;color:#56758c;padding:0 17px 15px 51px;margin:0}
@media(max-width:900px){.g19-hero-grid,.g19-intro-grid{grid-template-columns:1fr}.g19-fast-grid,.g19-steps{grid-template-columns:1fr 1fr}.g19-hero h1{font-size:48px}.g19-hero-photo{height:330px}.g19-fast article:nth-child(2){border-right:0}.g19-fast article{border-bottom:1px solid #bfd9ea}.g19-cover-grid{grid-template-columns:1fr}}
@media(max-width:600px){.g19-hero h1{font-size:39px}.g19-hero-copy h2{font-size:17px}.g19-hero-photo{height:280px}.g19-side-icons{display:none}.g19-hand{font-size:22px}.g19-fast-grid,.g19-steps,.g19-family-grid,.g19-faq-grid,.g19-benefit-icons{grid-template-columns:1fr}.g19-fast article{border-right:0}.g19-fast p{min-height:0}.g19-intro-grid h2,.g19-section-title h2,.g19-faq-head h2{font-size:29px}.g19-compare-inner,.g19-faq-head{align-items:flex-start;flex-direction:column}.g19-compare a{white-space:normal}.g19-cover-grid>div{padding:22px}.g19-faq-grid details p{padding-left:17px}}
/* V20 refinements */
.g19-hero-photo>img{object-position:center center}
.g19-hand{left:6%;top:20%;font-size:28px;background:rgba(255,255,255,.22);padding:7px 10px;border-radius:12px}
.g19-side-icons{display:none!important}
.oshc-learn-more-btn{min-width:110px;text-align:center}
/* V21 — polished hover interactions */
/* Main 500 page: Learn More + View FAQs */
.oshc-learn-more-btn{
transition:transform .18s ease,box-shadow .18s ease,background-color .18s ease,color .18s ease,border-color .18s ease!important;
}
.oshc-learn-more-btn:hover{
transform:translateY(-3px) scale(1.045);
background:#0875d1!important;
border-color:#0875d1!important;
color:#fff!important;
box-shadow:0 10px 24px rgba(8,117,209,.24)!important;
}
/* What is OSHC page: primary and secondary hero actions */
.g19-primary,.g19-secondary,.g19-compare a,.g19-fast a{
transition:transform .18s ease,box-shadow .18s ease,background-color .18s ease,color .18s ease,border-color .18s ease;
}
.g19-primary:hover{
transform:translateY(-3px) scale(1.035);
box-shadow:0 13px 28px rgba(0,111,224,.28);
}
.g19-secondary:hover{
transform:translateY(-3px) scale(1.035);
background:#0877e7;
color:#fff!important;
box-shadow:0 11px 24px rgba(0,111,224,.18);
}
.g19-compare a:hover{
transform:translateY(-3px) scale(1.025);
background:#0668c8;
box-shadow:0 11px 25px rgba(0,105,205,.22);
}
.g19-fast article{
transition:transform .18s ease,box-shadow .18s ease,background-color .18s ease;
}
.g19-fast article:hover{
transform:translateY(-4px);
background:#fff;
box-shadow:0 10px 24px rgba(7,74,130,.10);
position:relative;
z-index:2;
}
.g19-fast a:hover{
color:#ff203d!important;
}
/* FAQ rows: subtle feedback without changing the approved layout */
.g19-faq-grid details{
transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease;
}
.g19-faq-grid details:hover{
transform:translateY(-2px);
border-color:#a9d5f1;
box-shadow:0 7px 18px rgba(6,63,105,.08);
}
.g19-faq-grid summary:hover{
color:#0873ce;
}
/* Keyboard accessibility */
.oshc-learn-more-btn:focus-visible,.g19-primary:focus-visible,.g19-secondary:focus-visible,
.g19-compare a:focus-visible,.g19-fast a:focus-visible,.g19-faq-grid summary:focus-visible{
outline:3px solid rgba(8,117,209,.3);
outline-offset:3px;
}
/* Avoid hover animation on touch devices */
@media (hover:none){
.oshc-learn-more-btn:hover,.g19-primary:hover,.g19-secondary:hover,.g19-compare a:hover,
.g19-fast article:hover,.g19-faq-grid details:hover{transform:none}
}
/* V22 — top hero Compare OSHC hover */
.hero .btn.primary,
.hero a.btn.primary{
transition:transform .18s ease,box-shadow .18s ease,background-color .18s ease,filter .18s ease;
}
.hero .btn.primary:hover,
.hero a.btn.primary:hover{
transform:translateY(-3px) scale(1.045);
filter:brightness(.92);
box-shadow:0 12px 28px rgba(220,20,50,.30);
}
@media (hover:none){
.hero .btn.primary:hover,
.hero a.btn.primary:hover{transform:none;filter:none}
}
/* V23 — FIX: actual top Compare OSHC button is .shot-primary */
.v13-hero .shot-primary,
.shot-primary{
display:inline-block;
transform:translateY(0) scale(1);
transform-origin:center;
transition:transform .20s ease,box-shadow .20s ease,background-color .20s ease,filter .20s ease!important;
}
.v13-hero .shot-primary:hover,
.shot-primary:hover{
transform:translateY(-4px) scale(1.10)!important;
filter:brightness(.90);
box-shadow:0 15px 32px rgba(245,34,63,.36)!important;
}
.v13-hero .shot-primary:focus-visible,
.shot-primary:focus-visible{
outline:3px solid rgba(245,34,63,.25);
outline-offset:4px;
}
@media (hover:none){
.v13-hero .shot-primary:hover,.shot-primary:hover{
transform:none!important;
filter:none;
}
}
/* ===== V24: What Does OSHC Cover guide ===== */
.cover-guide{background:#fff;color:#12213b}
.cover-guide *{box-sizing:border-box}
.cover-hero{padding:46px 0 52px;background:linear-gradient(135deg,#f5faff 0%,#fff 62%,#fff5f6 100%);overflow:hidden}
.cover-hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:48px;align-items:center}
.cover-breadcrumb{display:flex;gap:8px;align-items:center;font-size:13px;color:#6b7890;margin-bottom:20px}.cover-breadcrumb a{color:#1f5da8;text-decoration:none}
.cover-kicker,.cover-eyebrow{display:inline-block;font-size:12px;font-weight:800;letter-spacing:1.45px;color:#e72b3f;margin-bottom:10px}
.cover-hero h1{font-size:54px;line-height:1.02;letter-spacing:-2px;margin:0 0 18px;color:#10264a}.cover-hero h1 span{color:#e72b3f}
.cover-lead{font-size:18px;line-height:1.7;color:#53627a;max-width:670px}
.cover-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 17px}
.cover-btn-primary,.cover-btn-secondary{display:inline-block;padding:14px 22px;border-radius:9px;text-decoration:none;font-weight:800;transition:.2s ease}
.cover-btn-primary{background:#e72b3f;color:#fff;box-shadow:0 10px 24px rgba(231,43,63,.18)}
.cover-btn-primary:hover{transform:translateY(-3px) scale(1.045);background:#cf1f34;box-shadow:0 15px 30px rgba(231,43,63,.3)}
.cover-btn-secondary{border:1px solid #b9c7da;color:#174d91;background:#fff}.cover-btn-secondary:hover{transform:translateY(-2px);border-color:#174d91}
.cover-note{font-size:12px;line-height:1.55;color:#7b8798;max-width:650px}
.cover-hero-visual{position:relative;min-height:410px}.cover-hero-visual>img{width:100%;height:410px;object-fit:cover;object-position:center;border-radius:24px;box-shadow:0 24px 55px rgba(19,54,98,.18)}
.cover-float-card{position:absolute;right:-10px;bottom:22px;width:220px;padding:18px;border-radius:16px;background:rgba(255,255,255,.96);box-shadow:0 16px 38px rgba(15,43,79,.18);display:grid;gap:7px}
.cover-float-card strong{color:#123f7c;margin-bottom:4px}.cover-float-card span{font-size:13px;color:#40516a}
.cover-snapshot,.cover-services,.cover-not-base,.cover-faq{padding:72px 0}
.cover-section-head{text-align:center;max-width:760px;margin:0 auto 34px}.cover-section-head h2{font-size:36px;line-height:1.15;margin:0 0 12px;color:#102b55}.cover-section-head p{color:#66748a;line-height:1.7}
.cover-status-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cover-status{padding:27px;border:1px solid #e4eaf2;border-radius:18px;background:#fff;box-shadow:0 10px 28px rgba(28,59,96,.07)}
.cover-status-icon{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-weight:900;font-size:20px;margin-bottom:15px}.covered .cover-status-icon{background:#e8f8ef;color:#16854a}.maybe .cover-status-icon{background:#fff5dd;color:#a66a00}.extra .cover-status-icon{background:#edf4ff;color:#195fae}
.cover-status h3{margin:0 0 8px;color:#153963}.cover-status p{margin:0;color:#647187;line-height:1.6;font-size:14px}
.cover-services{background:#f7faff}.cover-service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cover-service-grid article{position:relative;padding:28px;border-radius:18px;background:#fff;border:1px solid #e4ebf4;min-height:255px;box-shadow:0 8px 24px rgba(26,62,104,.055);transition:.2s ease}.cover-service-grid article:hover{transform:translateY(-4px);box-shadow:0 15px 34px rgba(26,62,104,.1)}
.cover-icon{font-size:30px;margin-bottom:16px}.cover-service-grid h3{font-size:20px;margin:0 0 10px;color:#123b70}.cover-service-grid p{font-size:14px;line-height:1.65;color:#66748a;margin:0 0 18px}.cover-tag{display:inline-block;font-size:11px;font-weight:800;color:#17579e;background:#edf5ff;border-radius:999px;padding:7px 10px}
.cover-gap{padding:66px 0;background:linear-gradient(135deg,#0e3971,#14569e);color:#fff}.cover-gap-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}.cover-eyebrow.light{color:#b9d8ff}.cover-gap h2{font-size:38px;line-height:1.15;margin:0 0 16px}.cover-gap p{color:#d9e8f8;line-height:1.7}.cover-gap-example{background:#fff;color:#16345c;border-radius:20px;padding:25px;display:grid;grid-template-columns:1fr auto;gap:10px 18px;box-shadow:0 18px 40px rgba(0,0,0,.18)}.cover-gap-example>span{grid-column:1/-1;color:#e72b3f;font-size:12px;font-weight:900;letter-spacing:1px;text-transform:uppercase}.cover-gap-example b{text-align:right}.cover-rule{grid-column:1/-1;border-top:1px solid #e4eaf2}.cover-gap-example small{grid-column:1/-1;color:#78879a;line-height:1.45;margin-top:4px}
.cover-extras-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.cover-extras-grid>div{padding:24px;text-align:center;border:1px solid #e3e9f1;border-radius:17px;background:#fff}.cover-extras-grid span{font-size:30px;display:block;margin-bottom:10px}.cover-extras-grid strong{display:block;color:#143c6e;font-size:18px}.cover-extras-grid small{display:block;color:#778397;margin-top:5px}
.cover-info-box{margin-top:22px;background:#eef6ff;border-left:4px solid #1760ac;border-radius:10px;padding:17px 20px;color:#49617d}
.cover-waiting{padding:72px 0;background:#f8fafc}.cover-wait-grid{display:grid;grid-template-columns:1fr 1fr 1.1fr;gap:20px;align-items:stretch}.cover-wait-card{padding:27px;background:#fff;border:1px solid #e3eaf2;border-radius:18px}.cover-num{font-size:30px;font-weight:900;color:#dce8f7}.cover-wait-card h3{color:#123c70;margin:10px 0}.cover-wait-card p,.cover-wait-intro p{color:#68768b;line-height:1.65;font-size:14px}.cover-wait-intro{padding:20px 12px 20px 25px}.cover-wait-intro h2{font-size:32px;line-height:1.15;color:#102e5b;margin:0 0 12px}.cover-wait-intro a{font-weight:800;color:#e72b3f;text-decoration:none}
.cover-checklist{padding:70px 0}.cover-check-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;background:#102f5f;color:#fff;border-radius:24px;padding:45px}.cover-check-wrap h2{font-size:38px;line-height:1.12;margin:0}.cover-check-wrap ol{list-style:none;margin:0;padding:0;display:grid;gap:14px}.cover-check-wrap li{display:flex;gap:14px;align-items:flex-start;background:rgba(255,255,255,.07);padding:14px;border-radius:12px}.cover-check-wrap li>span{min-width:31px;height:31px;border-radius:50%;background:#e72b3f;display:grid;place-items:center;font-weight:900}.cover-check-wrap strong{display:block}.cover-check-wrap p{margin:4px 0 0;color:#c9d9eb;font-size:13px;line-height:1.5}
.cover-faq{background:#f7faff}.cover-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}.cover-faq details{background:#fff;border:1px solid #e1e8f1;border-radius:12px;padding:0 18px;transition:.18s ease}.cover-faq details:hover{transform:translateY(-2px);box-shadow:0 9px 22px rgba(24,60,102,.08)}.cover-faq summary{cursor:pointer;padding:17px 0;font-weight:800;color:#173d6e}.cover-faq details p{margin:0 0 17px;color:#66758b;line-height:1.65;font-size:14px}
.cover-cta{padding:58px 0}.cover-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;background:linear-gradient(135deg,#f8fbff,#fff2f4);border:1px solid #e5ebf2;border-radius:22px;padding:34px 38px}.cover-cta-inner span{font-size:11px;font-weight:900;letter-spacing:1.3px;color:#e72b3f}.cover-cta-inner h2{font-size:31px;color:#113663;margin:5px 0 7px}.cover-cta-inner p{margin:0;color:#69768a}.cover-cta-inner>a{white-space:nowrap;background:#e72b3f;color:#fff;text-decoration:none;font-weight:900;padding:15px 22px;border-radius:9px;transition:.2s ease}.cover-cta-inner>a:hover{transform:translateY(-3px) scale(1.04);box-shadow:0 12px 26px rgba(231,43,63,.28)}
.cover-disclaimer{padding:0 0 50px}.cover-disclaimer p{font-size:12px;line-height:1.6;color:#7b8798;background:#f7f8fa;border-radius:10px;padding:16px 18px}
@media(max-width:900px){.cover-hero-grid,.cover-gap-grid,.cover-check-wrap{grid-template-columns:1fr}.cover-status-grid,.cover-service-grid{grid-template-columns:1fr 1fr}.cover-wait-grid{grid-template-columns:1fr}.cover-extras-grid{grid-template-columns:1fr 1fr}.cover-hero h1{font-size:44px}.cover-hero-visual{min-height:350px}.cover-hero-visual>img{height:350px}.cover-float-card{right:10px}.cover-cta-inner{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.cover-hero{padding-top:28px}.cover-hero h1{font-size:39px}.cover-lead{font-size:16px}.cover-status-grid,.cover-service-grid,.cover-extras-grid,.cover-faq-grid{grid-template-columns:1fr}.cover-section-head h2{font-size:30px}.cover-gap h2,.cover-check-wrap h2{font-size:31px}.cover-check-wrap{padding:28px 20px}.cover-hero-visual,.cover-hero-visual>img{height:300px;min-height:300px}.cover-float-card{width:190px;padding:14px}.cover-cta-inner{padding:27px 22px}}
/* ===== V26 visual polish: What Does OSHC Cover ===== */
.cover-guide{overflow:hidden}
.cover-hero{padding:44px 0 42px;background:linear-gradient(115deg,#f4faff 0%,#fff 50%,#f1f8ff 100%)}
.cover-hero-grid{gap:42px}
.cover-hero-copy{padding:8px 0}
.cover-hero h1{font-size:56px;max-width:650px}
.cover-lead{max-width:630px}
.cover-hero-visual{min-height:390px}
.cover-hero-visual>img{height:390px;border-radius:22px}
.cover-float-card{left:18px;right:auto;top:20px;bottom:auto;width:230px;border:1px solid rgba(33,93,157,.12);backdrop-filter:blur(8px)}
.cover-float-card strong{font-size:17px}
.cover-float-card span{font-size:13px}
.cover-snapshot{padding:55px 0 58px}
.cover-status-grid{gap:16px}
.cover-status{min-height:180px;padding:23px 25px;box-shadow:0 9px 24px rgba(28,59,96,.055)}
.cover-status:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(26,62,104,.1)}
.cover-services{padding:55px 0 62px;background:linear-gradient(180deg,#f4f9ff,#edf6ff)}
.cover-service-grid{gap:14px}
.cover-service-grid article{min-height:220px;padding:23px;overflow:hidden;isolation:isolate;background:#fff}
.cover-service-grid article:after{content:"";position:absolute;right:-8px;bottom:-8px;width:145px;height:105px;border-radius:26px 0 18px 0;opacity:.95;z-index:-1;background:radial-gradient(circle at 70% 40%,rgba(39,128,216,.20),rgba(39,128,216,0) 68%)}
.service-doctor:after{background:radial-gradient(circle at 70% 40%,rgba(32,164,132,.24),rgba(32,164,132,0) 68%)!important}
.service-hospital:after{background:radial-gradient(circle at 70% 40%,rgba(51,135,217,.25),rgba(51,135,217,0) 68%)!important}
.service-ambulance:after{background:radial-gradient(circle at 70% 40%,rgba(239,53,74,.22),rgba(239,53,74,0) 68%)!important}
.service-medicine:after{background:radial-gradient(circle at 70% 40%,rgba(235,151,53,.23),rgba(235,151,53,0) 68%)!important}
.service-pathology:after{background:radial-gradient(circle at 70% 40%,rgba(31,172,190,.22),rgba(31,172,190,0) 68%)!important}
.service-imaging:after{background:radial-gradient(circle at 70% 40%,rgba(48,76,140,.23),rgba(48,76,140,0) 68%)!important}
.cover-icon{width:43px;height:43px;display:grid;place-items:center;border-radius:12px;background:#edf6ff;font-size:25px}
.cover-gap{padding:48px 0;border-radius:0;background:linear-gradient(120deg,#0b3977,#0e5eac)}
.cover-gap-grid{gap:70px}
.cover-gap h2{max-width:560px;font-size:36px}
.cover-gap-example{padding:23px 25px;border-radius:17px}
.cover-gap-example b:last-of-type{color:#df263d}
.cover-not-base{padding:54px 0}
.cover-extras-grid{gap:12px}
.cover-extras-grid>div{position:relative;text-align:left;min-height:112px;padding:20px 20px 20px 82px;overflow:hidden;background:linear-gradient(115deg,#fff,#f6faff)}
.cover-extras-grid span{position:absolute;left:21px;top:25px;font-size:34px}
.cover-extras-grid strong{margin-top:10px}
.cover-info-box{margin-top:14px}
.cover-waiting{padding:52px 0;background:linear-gradient(180deg,#f7faff,#f2f7fc)}
.cover-wait-grid{gap:14px}
.cover-wait-card{position:relative;min-height:220px;overflow:hidden;padding:25px;background:linear-gradient(135deg,#fff 58%,#eef6ff)}
.cover-wait-card:after{content:"";position:absolute;width:150px;height:150px;right:-35px;bottom:-55px;border-radius:50%;background:rgba(43,115,192,.08)}
.wait-pregnancy:after{background:rgba(231,43,63,.075)}
.cover-wait-intro{display:flex;flex-direction:column;justify-content:center;padding:22px 22px 22px 28px}
.cover-checklist{padding:52px 0}
.cover-check-wrap{grid-template-columns:.75fr 1.55fr;gap:32px;padding:35px 36px;border-radius:20px;background:linear-gradient(110deg,#0c346b,#173f76)}
.cover-check-wrap ol{grid-template-columns:repeat(5,1fr);gap:10px}
.cover-check-wrap li{display:block;min-height:150px;padding:14px 13px}
.cover-check-wrap li>span{margin-bottom:10px}
.cover-check-wrap p{font-size:12px}
.cover-faq{padding:54px 0;background:#f7faff}
.cover-faq-grid{gap:10px 14px}
.cover-faq details{border-radius:10px}
.cover-faq summary{padding:14px 0}
.cover-cta{padding:40px 0 35px}
.cover-cta-inner{padding:28px 32px;background:linear-gradient(100deg,#f8fbff,#fff0f2)}
.cover-disclaimer{padding:0 0 35px}
.cover-disclaimer p{font-size:11px}
.cover-guide + .site-footer{margin-top:0}
.cover-guide + .site-footer .footer-grid{padding-top:38px;padding-bottom:38px}
@media(max-width:1050px){
.cover-check-wrap{grid-template-columns:1fr}
.cover-check-wrap ol{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:900px){
.cover-float-card{left:14px;top:14px}
}
@media(max-width:620px){
.cover-hero h1{font-size:40px}
.cover-check-wrap ol{grid-template-columns:1fr}
.cover-extras-grid>div{padding-left:76px}
}
/* ===== V27: fix guide footer ===== */
.cover-guide + .site-footer{
background:#0d4380!important;
color:#fff!important;
margin:0!important;
padding:42px 0 30px!important;
min-height:0!important;
overflow:hidden!important;
}
.cover-guide + .site-footer .footer-grid{
display:grid!important;
grid-template-columns:1.25fr .8fr 1fr!important;
gap:48px!important;
align-items:start!important;
padding:0!important;
}
.cover-guide + .site-footer .footer-grid>div{
min-width:0!important;
}
.cover-guide + .site-footer .footer-logo{
width:190px!important;
max-width:100%!important;
height:auto!important;
object-fit:contain!important;
display:block!important;
margin:0 0 12px!important;
padding:8px!important;
border-radius:12px!important;
background:#fff!important;
}
.cover-guide + .site-footer h4{
margin:4px 0 13px!important;
font-size:16px!important;
line-height:1.2!important;
color:#fff!important;
}
.cover-guide + .site-footer p,
.cover-guide + .site-footer a{
font-size:13px!important;
line-height:1.65!important;
color:#e4effc!important;
}
.cover-guide + .site-footer a{
display:block!important;
margin:0 0 7px!important;
text-decoration:none!important;
}
.cover-guide + .site-footer a:hover{color:#fff!important;text-decoration:underline!important}
@media(max-width:760px){
.cover-guide + .site-footer .footer-grid{grid-template-columns:1fr!important;gap:25px!important}
.cover-guide + .site-footer .footer-logo{width:170px!important}
}
/* ===== V28: compact polished footer for What Does OSHC Cover ===== */
.cover-guide + .site-footer{
background:linear-gradient(105deg,#0b3e78,#105493)!important;
padding:30px 0 26px!important;
min-height:auto!important;
}
.cover-guide + .site-footer .footer-grid{
grid-template-columns:1.05fr .8fr 1fr!important;
gap:64px!important;
align-items:start!important;
}
.cover-guide + .site-footer .footer-grid>div:first-child{
display:flex!important;
align-items:center!important;
min-height:88px!important;
}
.cover-guide + .site-footer .footer-grid>div:first-child>p{
display:none!important;
}
.cover-guide + .site-footer .footer-logo{
width:145px!important;
height:auto!important;
max-height:88px!important;
padding:6px 8px!important;
margin:0!important;
background:#fff!important;
border-radius:10px!important;
box-shadow:0 8px 22px rgba(0,0,0,.12)!important;
}
.cover-guide + .site-footer h4{
margin:2px 0 11px!important;
font-size:15px!important;
font-weight:800!important;
}
.cover-guide + .site-footer p,
.cover-guide + .site-footer a{
font-size:12.5px!important;
line-height:1.45!important;
}
.cover-guide + .site-footer a{
margin:0 0 6px!important;
}
.cover-guide + .site-footer .footer-grid>div:last-child p{
margin:0 0 8px!important;
max-width:360px!important;
}
@media(max-width:760px){
.cover-guide + .site-footer{padding:28px 0!important}
.cover-guide + .site-footer .footer-grid{grid-template-columns:1fr!important;gap:22px!important}
.cover-guide + .site-footer .footer-grid>div:first-child{min-height:auto!important}
.cover-guide + .site-footer .footer-logo{width:140px!important}
}
/* ===== V29 OSHC Waiting Periods ===== */
.wp-guide{color:#112d55;background:#fff}.wp-guide *{box-sizing:border-box}
.wp-hero{padding:48px 0 52px;background:linear-gradient(120deg,#f3f9ff,#fff 55%,#fff3f5)}
.wp-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:55px;align-items:center}
.wp-crumb{display:flex;gap:8px;font-size:13px;color:#687a92;margin-bottom:20px}.wp-crumb a{color:#1a5ba4;text-decoration:none}
.wp-kicker,.wp-head>span,.wp-copy>span,.wp-before-wrap>div>span,.wp-cta-inner span{font-size:11px;font-weight:900;letter-spacing:1.45px;color:#ef2c43}
.wp-hero h1{font-size:56px;line-height:1.03;letter-spacing:-2px;margin:10px 0 18px;color:#102d58}.wp-hero h1 span{color:#ef2c43}
.wp-lead{font-size:18px;line-height:1.7;color:#52647d;max-width:670px}.wp-actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0 16px}
.wp-primary,.wp-secondary{padding:14px 21px;border-radius:9px;font-weight:900;text-decoration:none;transition:.2s ease}.wp-primary{background:#ef2c43;color:#fff;box-shadow:0 10px 25px rgba(239,44,67,.2)}.wp-primary:hover{transform:translateY(-3px) scale(1.045);box-shadow:0 14px 30px rgba(239,44,67,.3)}.wp-secondary{border:1px solid #b8c8dc;color:#164d8e;background:#fff}.wp-secondary:hover{transform:translateY(-2px)}
.wp-small{font-size:12px;line-height:1.5;color:#78879a}
.wp-hero-card{padding:27px;border-radius:22px;background:linear-gradient(145deg,#0d407d,#1163ad);color:#fff;box-shadow:0 24px 50px rgba(20,65,115,.22)}.wp-clock{width:54px;height:54px;display:grid;place-items:center;border-radius:15px;background:#fff;font-size:28px;margin-bottom:15px}.wp-hero-card>span{font-size:11px;letter-spacing:1.3px;font-weight:900;color:#bedcff}.wp-snap{display:flex;justify-content:space-between;gap:20px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.16)}.wp-snap b{font-size:13px}.wp-snap strong{font-size:13px;text-align:right;color:#fff}.wp-hero-card small{display:block;margin-top:15px;color:#cbdcf0;line-height:1.5}
.wp-intro,.wp-periods,.wp-preexisting,.wp-switch,.wp-faq{padding:65px 0}.wp-head{text-align:center;max-width:780px;margin:0 auto 34px}.wp-head h2,.wp-copy h2{font-size:36px;line-height:1.15;color:#102f5d;margin:8px 0 12px}.wp-head p,.wp-copy p{color:#66768c;line-height:1.7}
.wp-three{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.wp-three article{padding:26px;border:1px solid #e1e9f2;border-radius:17px;box-shadow:0 8px 25px rgba(24,61,105,.055)}.wp-three i{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#edf6ff;color:#1760aa;font-style:normal;font-weight:900}.wp-three h3{color:#143d70;margin:14px 0 8px}.wp-three p{color:#6b788c;font-size:14px;line-height:1.6}
.wp-periods{background:linear-gradient(180deg,#f5faff,#eef6ff)}.wp-period-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.wp-period-grid article{position:relative;padding:24px;background:#fff;border:1px solid #e0e8f1;border-radius:18px;min-height:290px;overflow:hidden}.wp-period-grid article:after{content:"";position:absolute;width:140px;height:140px;border-radius:50%;right:-55px;bottom:-55px;background:rgba(27,100,174,.08)}.wp-icon{font-size:30px}.wp-time{display:inline-block;margin:14px 0 5px;padding:6px 9px;border-radius:999px;background:#edf5ff;color:#155ca4;font-size:10px;font-weight:900;letter-spacing:.5px}.wp-period-grid h3{color:#123b70;font-size:19px;margin:8px 0}.wp-period-grid p{font-size:13px;line-height:1.65;color:#68778d}.wp-period-grid article>b{font-size:12px;color:#16844b}.wp-preg .wp-time{background:#fff0f2;color:#df2840}
.wp-pregnancy{padding:58px 0;background:linear-gradient(115deg,#0b3c78,#115fa8);color:#fff}.wp-preg-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}.wp-light-kicker{font-size:11px;font-weight:900;letter-spacing:1.4px;color:#bcdcff}.wp-pregnancy h2{font-size:36px;line-height:1.15;margin:8px 0 14px}.wp-pregnancy p{color:#d6e6f7;line-height:1.7}.wp-preg-box{background:#fff;color:#16375f;border-radius:18px;padding:24px}.wp-preg-box>div{display:flex;justify-content:space-between;gap:20px;padding:15px 0;border-bottom:1px solid #e3e9f0}.wp-preg-box b{color:#e52c43}.wp-preg-box small{display:block;color:#758499;line-height:1.5;margin-top:14px}
.wp-split{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.wp-tip{margin-top:20px;padding:17px;background:#edf6ff;border-left:4px solid #1760aa;border-radius:9px;color:#49627f;line-height:1.55}.wp-side-list{display:grid;gap:12px}.wp-side-list>div{display:flex;gap:15px;padding:18px;border:1px solid #e1e8f1;border-radius:14px;background:#fff}.wp-side-list i{font-style:normal;font-size:25px;font-weight:900;color:#dce8f7}.wp-side-list p{margin:0;color:#65748a;font-size:13px;line-height:1.55}.wp-side-list b{color:#153e70}
.wp-switch{background:#f6f9fc}.wp-switch-box{display:grid;grid-template-columns:auto 1fr .85fr;gap:25px;align-items:center;padding:27px;border:1px solid #dde7f1;background:#fff;border-radius:18px}.wp-switch-icon{width:58px;height:58px;border-radius:15px;display:grid;place-items:center;background:#eaf4ff;color:#1760aa;font-size:31px}.wp-switch-box h3{margin:0 0 7px;color:#123b6e}.wp-switch-box p{margin:0;color:#68788d;line-height:1.6;font-size:14px}.wp-warning{padding:16px;background:#fff3e5;border-radius:12px}.wp-warning b{color:#a96100}
.wp-before{padding:55px 0}.wp-before-wrap{display:grid;grid-template-columns:.65fr 1.35fr;gap:34px;padding:35px;border-radius:21px;background:linear-gradient(110deg,#0c346b,#173f76);color:#fff}.wp-before-wrap h2{font-size:34px;line-height:1.15;margin:7px 0}.wp-before-wrap ol{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px}.wp-before-wrap li{display:flex;gap:11px;padding:13px;background:rgba(255,255,255,.08);border-radius:11px}.wp-before-wrap li>b{min-width:29px;height:29px;border-radius:50%;display:grid;place-items:center;background:#ef2c43}.wp-before-wrap strong{font-size:13px}.wp-before-wrap p{font-size:11px;color:#c9daec;line-height:1.45;margin:4px 0 0}
.wp-faq{background:#f6f9fd}.wp-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px}.wp-faq details{background:#fff;border:1px solid #e0e7f0;border-radius:11px;padding:0 17px;transition:.18s}.wp-faq details:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(23,59,101,.08)}.wp-faq summary{cursor:pointer;padding:15px 0;font-weight:800;color:#153e70}.wp-faq p{margin:0 0 16px;color:#68778c;font-size:13px;line-height:1.6}
.wp-cta{padding:42px 0}.wp-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:29px 32px;border:1px solid #e1e8f0;border-radius:18px;background:linear-gradient(100deg,#f7fbff,#fff0f2)}.wp-cta-inner h2{margin:5px 0 6px;color:#123a6b}.wp-cta-inner p{margin:0;color:#6a788c}.wp-cta-inner a{white-space:nowrap;background:#ef2c43;color:#fff;padding:14px 20px;border-radius:9px;text-decoration:none;font-weight:900;transition:.2s}.wp-cta-inner a:hover{transform:translateY(-3px) scale(1.04);box-shadow:0 12px 25px rgba(239,44,67,.28)}
.wp-disclaimer{padding:0 0 34px}.wp-disclaimer p{padding:15px 17px;background:#f6f7f9;border-radius:9px;color:#778598;font-size:11px;line-height:1.55}
/* same compact footer treatment as approved V28 */
.wp-guide + .site-footer{background:linear-gradient(105deg,#0b3e78,#105493)!important;color:#fff!important;padding:30px 0 26px!important;min-height:auto!important;overflow:hidden!important}.wp-guide + .site-footer .footer-grid{display:grid!important;grid-template-columns:1.05fr .8fr 1fr!important;gap:64px!important;align-items:start!important;padding:0!important}.wp-guide + .site-footer .footer-logo{width:145px!important;height:auto!important;max-height:88px!important;padding:6px 8px!important;margin:0!important;background:#fff!important;border-radius:10px!important;box-shadow:0 8px 22px rgba(0,0,0,.12)!important}.wp-guide + .site-footer h4{margin:2px 0 11px!important;font-size:15px!important;color:#fff!important}.wp-guide + .site-footer p,.wp-guide + .site-footer a{display:block!important;color:#e4effc!important;font-size:12.5px!important;line-height:1.45!important;text-decoration:none!important;margin:0 0 6px!important}
@media(max-width:1000px){.wp-period-grid{grid-template-columns:1fr 1fr}.wp-before-wrap{grid-template-columns:1fr}.wp-hero-grid,.wp-preg-grid,.wp-split{grid-template-columns:1fr}}
@media(max-width:700px){.wp-three,.wp-period-grid,.wp-faq-grid{grid-template-columns:1fr}.wp-before-wrap ol{grid-template-columns:1fr}.wp-switch-box{grid-template-columns:1fr}.wp-hero h1{font-size:41px}.wp-head h2,.wp-copy h2,.wp-pregnancy h2{font-size:30px}.wp-cta-inner{align-items:flex-start;flex-direction:column}.wp-guide + .site-footer .footer-grid{grid-template-columns:1fr!important;gap:22px!important}}
/* ===== V30 OSHC Couples & Families ===== */
.cf-guide{color:#112f58;background:#fff}.cf-guide *{box-sizing:border-box}
.cf-hero{padding:48px 0 52px;background:linear-gradient(120deg,#f4faff,#fff 54%,#fff2f4)}
.cf-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:55px;align-items:center}.cf-crumb{display:flex;gap:8px;font-size:13px;color:#6a7b91;margin-bottom:20px}.cf-crumb a{color:#195ba5;text-decoration:none}
.cf-kicker,.cf-head>span,.cf-add-copy>span,.cf-saving-wrap span,.cf-cta-inner span{font-size:11px;font-weight:900;letter-spacing:1.4px;color:#ef2d44}
.cf-hero h1{font-size:55px;line-height:1.04;letter-spacing:-2px;margin:10px 0 18px;color:#102e59}.cf-hero h1 span{color:#ef2d44}.cf-lead{font-size:18px;line-height:1.7;color:#53657d}.cf-actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0 16px}.cf-primary,.cf-secondary{padding:14px 21px;border-radius:9px;font-weight:900;text-decoration:none;transition:.2s}.cf-primary{background:#ef2d44;color:#fff;box-shadow:0 10px 24px rgba(239,45,68,.2)}.cf-primary:hover{transform:translateY(-3px) scale(1.045);box-shadow:0 14px 30px rgba(239,45,68,.3)}.cf-secondary{border:1px solid #b8c8dc;color:#174e90;background:#fff}.cf-secondary:hover{transform:translateY(-2px)}.cf-small{font-size:12px;line-height:1.5;color:#78879a}
.cf-hero-panel{padding:27px;border-radius:22px;background:linear-gradient(145deg,#0c3d78,#1264ad);color:#fff;box-shadow:0 24px 50px rgba(20,65,115,.2)}.cf-hero-panel>span{font-size:11px;font-weight:900;letter-spacing:1.3px;color:#bedcff}.cf-hero-panel h2{font-size:27px;margin:7px 0 18px}.cf-person{display:flex;gap:14px;align-items:center;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.15)}.cf-person i{min-width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#fff;color:#15579d;font-style:normal;font-weight:900}.cf-person b,.cf-person small{display:block}.cf-person small{color:#c8dff4;margin-top:3px}.cf-hero-panel>p{font-size:12px;line-height:1.55;color:#cfe0f1;margin:16px 0 0}
.cf-types,.cf-scenarios,.cf-add,.cf-compare,.cf-faq{padding:64px 0}.cf-head{text-align:center;max-width:780px;margin:0 auto 34px}.cf-head h2{font-size:36px;line-height:1.15;color:#102f5d;margin:8px 0 12px}.cf-head p{color:#68778c;line-height:1.7}
.cf-type-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cf-type-grid article{position:relative;padding:28px;border:1px solid #dfe8f1;border-radius:18px;background:#fff;box-shadow:0 8px 25px rgba(23,60,102,.055);transition:.2s}.cf-type-grid article:hover{transform:translateY(-4px);box-shadow:0 15px 32px rgba(23,60,102,.1)}.cf-type-grid .cf-featured{border-top:4px solid #ef2d44}.cf-type-icon{font-size:34px;margin-bottom:15px}.cf-type-grid article>span{font-size:10px;font-weight:900;letter-spacing:1px;color:#ef2d44}.cf-type-grid h3{font-size:22px;color:#123c70;margin:7px 0 10px}.cf-type-grid p{font-size:14px;line-height:1.65;color:#68778d}.cf-mini{display:inline-block;margin-top:9px;padding:7px 10px;border-radius:999px;background:#edf5ff;color:#155ca4;font-size:11px;font-weight:900}
.cf-rule{padding:57px 0;background:linear-gradient(115deg,#0b3c78,#115fa8);color:#fff}.cf-rule-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}.cf-light{font-size:11px;font-weight:900;letter-spacing:1.4px;color:#bddcff}.cf-rule h2{font-size:36px;line-height:1.15;margin:8px 0 14px}.cf-rule p{color:#d6e6f7;line-height:1.7}.cf-rule-card{padding:23px;border-radius:18px;background:#fff;color:#16375f}.cf-rule-card>b{display:block;color:#ef2d44;margin-bottom:10px}.cf-rule-card>div{padding:10px 0;border-bottom:1px solid #e4eaf1;font-size:14px}
.cf-scenarios{background:#f6f9fd}.cf-scenario-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.cf-scenario-grid article{padding:23px;background:#fff;border:1px solid #e0e8f1;border-radius:17px}.cf-avatar{width:54px;height:54px;border-radius:15px;display:grid;place-items:center;background:#eaf4ff;color:#145ca4;font-weight:900}.cf-scenario-grid h3{color:#123c70;font-size:18px;margin:14px 0 8px}.cf-scenario-grid p{font-size:13px;line-height:1.6;color:#68778c}.cf-scenario-grid b{font-size:12px;color:#e62d43}
.cf-add-grid{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.cf-add-copy h2{font-size:36px;line-height:1.15;color:#102f5d;margin:8px 0 13px}.cf-add-copy p{color:#68778c;line-height:1.7}.cf-alert{padding:16px;background:#fff2e3;border-left:4px solid #e49a27;border-radius:9px;color:#685536;line-height:1.55;margin-top:19px}.cf-steps{display:grid;gap:10px}.cf-steps>div{display:flex;gap:14px;padding:16px;border:1px solid #e0e8f1;border-radius:13px}.cf-steps i{font-style:normal;font-size:24px;font-weight:900;color:#dce8f7}.cf-steps p{margin:0;color:#68778c;font-size:13px;line-height:1.5}.cf-steps b{color:#153e70}
.cf-compare{background:linear-gradient(180deg,#f4f9ff,#edf6ff)}.cf-compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.cf-compare-grid>div{padding:22px;border-radius:15px;background:#fff;border:1px solid #dfe8f1}.cf-compare-grid i{font-style:normal;font-size:24px;font-weight:900;color:#d8e7f7}.cf-compare-grid h3{margin:8px 0;color:#123c70}.cf-compare-grid p{font-size:13px;line-height:1.55;color:#68778c}
.cf-saving{padding:50px 0}.cf-saving-wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;padding:32px 35px;border-radius:20px;background:linear-gradient(110deg,#0c346b,#173f76);color:#fff}.cf-saving-wrap h2{font-size:31px;margin:6px 0 8px}.cf-saving-wrap p{margin:0;color:#cadbec;line-height:1.6}.cf-saving-wrap a{white-space:nowrap;background:#ef2d44;color:#fff;text-decoration:none;font-weight:900;padding:14px 20px;border-radius:9px;transition:.2s}.cf-saving-wrap a:hover{transform:translateY(-3px) scale(1.04)}
.cf-faq{background:#f6f9fd}.cf-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px}.cf-faq details{padding:0 17px;border:1px solid #e0e7f0;border-radius:11px;background:#fff;transition:.18s}.cf-faq details:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(23,59,101,.08)}.cf-faq summary{cursor:pointer;padding:15px 0;font-weight:800;color:#153e70}.cf-faq p{margin:0 0 16px;color:#68778c;font-size:13px;line-height:1.6}
.cf-cta{padding:42px 0}.cf-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:29px 32px;border:1px solid #e1e8f0;border-radius:18px;background:linear-gradient(100deg,#f7fbff,#fff0f2)}.cf-cta-inner h2{margin:5px 0 6px;color:#123a6b}.cf-cta-inner p{margin:0;color:#6a788c}.cf-cta-inner a{white-space:nowrap;background:#ef2d44;color:#fff;padding:14px 20px;border-radius:9px;text-decoration:none;font-weight:900;transition:.2s}.cf-cta-inner a:hover{transform:translateY(-3px) scale(1.04);box-shadow:0 12px 25px rgba(239,44,67,.28)}
.cf-disclaimer{padding:0 0 34px}.cf-disclaimer p{padding:15px 17px;background:#f6f7f9;border-radius:9px;color:#778598;font-size:11px;line-height:1.55}
/* compact footer */
.cf-guide + .site-footer{background:linear-gradient(105deg,#0b3e78,#105493)!important;color:#fff!important;padding:30px 0 26px!important;min-height:auto!important;overflow:hidden!important}.cf-guide + .site-footer .footer-grid{display:grid!important;grid-template-columns:1.05fr .8fr 1fr!important;gap:64px!important;align-items:start!important;padding:0!important}.cf-guide + .site-footer .footer-logo{width:145px!important;height:auto!important;max-height:88px!important;padding:6px 8px!important;margin:0!important;background:#fff!important;border-radius:10px!important;box-shadow:0 8px 22px rgba(0,0,0,.12)!important}.cf-guide + .site-footer h4{margin:2px 0 11px!important;font-size:15px!important;color:#fff!important}.cf-guide + .site-footer p,.cf-guide + .site-footer a{display:block!important;color:#e4effc!important;font-size:12.5px!important;line-height:1.45!important;text-decoration:none!important;margin:0 0 6px!important}
/* V30 waiting-period icon fix */
.wp-clock{font-size:0!important;position:relative}.wp-clock:before{content:"";width:23px;height:23px;border:3px solid #15579d;border-radius:50%;display:block}.wp-clock:after{content:"";position:absolute;width:2px;height:8px;background:#15579d;left:26px;top:15px;box-shadow:4px 5px 0 -0.5px #15579d;transform-origin:bottom}
@media(max-width:1000px){.cf-hero-grid,.cf-rule-grid,.cf-add-grid{grid-template-columns:1fr}.cf-scenario-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.cf-type-grid,.cf-scenario-grid,.cf-compare-grid,.cf-faq-grid{grid-template-columns:1fr}.cf-hero h1{font-size:41px}.cf-head h2,.cf-add-copy h2,.cf-rule h2{font-size:30px}.cf-saving-wrap,.cf-cta-inner{align-items:flex-start;flex-direction:column}.cf-guide + .site-footer .footer-grid{grid-template-columns:1fr!important;gap:22px!important}}
/* ===== V31 How to Compare OSHC Providers ===== */
.cp-guide{color:#112f58;background:#fff}.cp-guide *{box-sizing:border-box}
.cp-hero{padding:48px 0 52px;background:linear-gradient(120deg,#f4faff,#fff 54%,#fff2f4)}
.cp-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:55px;align-items:center}.cp-crumb{display:flex;gap:8px;font-size:13px;color:#6a7b91;margin-bottom:20px}.cp-crumb a{color:#195ba5;text-decoration:none}.cp-kicker,.cp-head>span,.cp-mistakes-wrap>div>span,.cp-cta-inner span{font-size:11px;font-weight:900;letter-spacing:1.4px;color:#ef2d44}
.cp-hero h1{font-size:54px;line-height:1.04;letter-spacing:-2px;margin:10px 0 18px;color:#102e59}.cp-hero h1 span{color:#ef2d44}.cp-lead{font-size:18px;line-height:1.7;color:#53657d}.cp-actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0 16px}.cp-primary,.cp-secondary{padding:14px 21px;border-radius:9px;font-weight:900;text-decoration:none;transition:.2s}.cp-primary{background:#ef2d44;color:#fff;box-shadow:0 10px 24px rgba(239,45,68,.2)}.cp-primary:hover{transform:translateY(-3px) scale(1.045);box-shadow:0 14px 30px rgba(239,45,68,.3)}.cp-secondary{border:1px solid #b8c8dc;color:#174e90;background:#fff}.cp-secondary:hover{transform:translateY(-2px)}.cp-small{font-size:12px;line-height:1.5;color:#78879a}
.cp-scorecard{padding:27px;border-radius:22px;background:linear-gradient(145deg,#0c3d78,#1264ad);color:#fff;box-shadow:0 24px 50px rgba(20,65,115,.2)}.cp-scorecard>span{font-size:11px;font-weight:900;letter-spacing:1.3px;color:#bedcff}.cp-scorecard h2{font-size:28px;margin:7px 0 17px}.cp-score-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.cp-score-grid div{padding:10px 11px;background:rgba(255,255,255,.09);border-radius:9px;font-size:13px;font-weight:700}.cp-score-grid b{display:inline-grid;place-items:center;width:25px;height:25px;border-radius:50%;background:#fff;color:#15589d;margin-right:7px;font-size:10px}.cp-scorecard>p{font-size:12px;color:#cfe0f1;margin:15px 0 0}
.cp-start,.cp-checks,.cp-table,.cp-provider,.cp-faq{padding:64px 0}.cp-head{text-align:center;max-width:790px;margin:0 auto 34px}.cp-head h2{font-size:36px;line-height:1.15;color:#102f5d;margin:8px 0 12px}.cp-head p{color:#68778c;line-height:1.7}
.cp-three{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cp-three article{padding:27px;border:1px solid #dfe8f1;border-radius:18px;background:#fff;box-shadow:0 8px 25px rgba(23,60,102,.055)}.cp-three i{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;background:#eaf4ff;color:#155ca4;font-style:normal;font-size:20px;font-weight:900}.cp-three h3{color:#123c70;font-size:20px;margin:14px 0 8px}.cp-three p{color:#68778c;line-height:1.6;font-size:14px}
.cp-checks{background:linear-gradient(180deg,#f4f9ff,#edf6ff)}.cp-check-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.cp-check-grid article{padding:22px;background:#fff;border:1px solid #dfe8f1;border-radius:16px;transition:.2s}.cp-check-grid article:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(23,60,102,.09)}.cp-num{font-size:25px;font-weight:900;color:#d8e7f7}.cp-check-grid h3{font-size:18px;color:#123c70;margin:7px 0 8px}.cp-check-grid p{font-size:13px;color:#68778c;line-height:1.6}.cp-check-grid b{font-size:11px;color:#e52d43}
.cp-gap{padding:58px 0;background:linear-gradient(115deg,#0b3c78,#115fa8);color:#fff}.cp-gap-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}.cp-gap-grid>div:first-child>span{font-size:11px;font-weight:900;letter-spacing:1.4px;color:#bddcff}.cp-gap h2{font-size:35px;line-height:1.15;margin:8px 0 14px}.cp-gap p{color:#d6e6f7;line-height:1.7}.cp-example{padding:23px;border-radius:18px;background:#fff;color:#16375f}.cp-example>span{font-size:10px;font-weight:900;letter-spacing:1px;color:#ef2d44}.cp-example>div{display:flex;justify-content:space-between;gap:20px;padding:14px 0;border-bottom:1px solid #e2e9f0}.cp-example small{display:block;color:#78879a;line-height:1.5;margin-top:13px}
.cp-table{background:#fff}.cp-table-wrap{max-width:980px;margin:auto;border:1px solid #dfe7f0;border-radius:17px;overflow:hidden}.cp-row{display:grid;grid-template-columns:.35fr .65fr;border-bottom:1px solid #e5ebf2}.cp-row:last-child{border-bottom:0}.cp-row>div{padding:14px 19px;color:#62738a;font-size:13px}.cp-row>div:first-child{background:#f7faff;color:#143e71}.cp-row-head>div{background:#123f77!important;color:#fff!important;font-weight:900}
.cp-provider{background:#f6f9fd}.cp-provider-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.cp-provider-grid article{padding:28px;background:#fff;border:1px solid #e0e7ef;border-radius:17px;border-top-width:5px}.cp-provider-grid .allianz{border-top-color:#118f89}.cp-provider-grid .bupa{border-top-color:#1367b1}.cp-provider-grid .nib{border-top-color:#72b943}.cp-provider-grid h3{font-size:23px;color:#123c70;margin:0 0 10px}.cp-provider-grid p{color:#68778c;font-size:13px;line-height:1.6}.cp-provider-grid span{display:inline-block;margin-top:8px;padding:7px 10px;background:#edf5ff;border-radius:999px;color:#155ca4;font-size:11px;font-weight:900}.cp-provider-action{text-align:center;margin-top:26px}.cp-provider-action a{display:inline-block;background:#ef2d44;color:#fff;text-decoration:none;font-weight:900;padding:14px 21px;border-radius:9px;transition:.2s}.cp-provider-action a:hover{transform:translateY(-3px) scale(1.04);box-shadow:0 12px 25px rgba(239,44,67,.25)}
.cp-mistakes{padding:51px 0}.cp-mistakes-wrap{display:grid;grid-template-columns:.55fr 1.45fr;gap:35px;padding:34px;border-radius:21px;background:linear-gradient(110deg,#0c346b,#173f76);color:#fff}.cp-mistakes-wrap h2{font-size:33px;line-height:1.15;margin:7px 0}.cp-mistake-list{display:grid;grid-template-columns:1fr 1fr;gap:10px}.cp-mistake-list>div{display:flex;gap:11px;padding:13px;background:rgba(255,255,255,.08);border-radius:11px}.cp-mistake-list i{min-width:29px;height:29px;display:grid;place-items:center;border-radius:50%;background:#ef2d44;font-style:normal;font-weight:900}.cp-mistake-list p{margin:0;color:#cbdcec;font-size:11px;line-height:1.45}.cp-mistake-list b{color:#fff;font-size:13px}
.cp-faq{background:#f6f9fd}.cp-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px}.cp-faq details{padding:0 17px;border:1px solid #e0e7f0;border-radius:11px;background:#fff;transition:.18s}.cp-faq details:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(23,59,101,.08)}.cp-faq summary{cursor:pointer;padding:15px 0;font-weight:800;color:#153e70}.cp-faq p{margin:0 0 16px;color:#68778c;font-size:13px;line-height:1.6}
.cp-cta{padding:42px 0}.cp-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;padding:29px 32px;border:1px solid #e1e8f0;border-radius:18px;background:linear-gradient(100deg,#f7fbff,#fff0f2)}.cp-cta-inner h2{margin:5px 0 6px;color:#123a6b}.cp-cta-inner p{margin:0;color:#6a788c}.cp-cta-inner a{white-space:nowrap;background:#ef2d44;color:#fff;padding:14px 20px;border-radius:9px;text-decoration:none;font-weight:900;transition:.2s}.cp-cta-inner a:hover{transform:translateY(-3px) scale(1.04);box-shadow:0 12px 25px rgba(239,44,67,.28)}
.cp-disclaimer{padding:0 0 34px}.cp-disclaimer p{padding:15px 17px;background:#f6f7f9;border-radius:9px;color:#778598;font-size:11px;line-height:1.55}
/* compact footer matching approved pages */
.cp-guide + .site-footer{background:linear-gradient(105deg,#0b3e78,#105493)!important;color:#fff!important;padding:30px 0 26px!important;min-height:auto!important;overflow:hidden!important}.cp-guide + .site-footer .footer-grid{display:grid!important;grid-template-columns:1.05fr .8fr 1fr!important;gap:64px!important;align-items:start!important;padding:0!important}.cp-guide + .site-footer .footer-logo{width:145px!important;height:auto!important;max-height:88px!important;padding:6px 8px!important;margin:0!important;background:#fff!important;border-radius:10px!important;box-shadow:0 8px 22px rgba(0,0,0,.12)!important}.cp-guide + .site-footer h4{margin:2px 0 11px!important;font-size:15px!important;color:#fff!important}.cp-guide + .site-footer p,.cp-guide + .site-footer a{display:block!important;color:#e4effc!important;font-size:12.5px!important;line-height:1.45!important;text-decoration:none!important;margin:0 0 6px!important}
@media(max-width:1000px){.cp-hero-grid,.cp-gap-grid{grid-template-columns:1fr}.cp-check-grid{grid-template-columns:1fr 1fr}.cp-mistakes-wrap{grid-template-columns:1fr}}
@media(max-width:700px){.cp-three,.cp-check-grid,.cp-provider-grid,.cp-faq-grid,.cp-mistake-list{grid-template-columns:1fr}.cp-score-grid{grid-template-columns:1fr}.cp-hero h1{font-size:41px}.cp-head h2,.cp-gap h2{font-size:30px}.cp-row{grid-template-columns:1fr}.cp-row>div:first-child{padding-bottom:7px}.cp-row>div:last-child{padding-top:7px}.cp-cta-inner{align-items:flex-start;flex-direction:column}.cp-guide + .site-footer .footer-grid{grid-template-columns:1fr!important;gap:22px!important}}
/* ===== V32 provider logo polish ===== */
.cp-provider-logo{height:62px;display:flex;align-items:center;margin-bottom:14px}
.cp-provider-logo img{display:block;max-width:165px;max-height:54px;width:auto;height:auto;object-fit:contain}
.cp-provider-grid article{min-height:205px;display:flex;flex-direction:column;align-items:flex-start}
.cp-provider-grid article p{flex:1}
.cp-provider-grid article>span{margin-top:12px}
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
/* ===== V33 complete 500 OSHC hub ===== */
.hub-guides{padding:68px 0;background:linear-gradient(180deg,#f5faff,#edf6ff)}
.hub-guides-head{text-align:center;max-width:800px;margin:0 auto 34px}
.hub-guides-head>span{font-size:11px;font-weight:900;letter-spacing:1.4px;color:#ef2d44}
.hub-guides-head h2{font-size:36px;line-height:1.15;color:#102f5d;margin:8px 0 12px}
.hub-guides-head p{color:#68778c;line-height:1.7;margin:0}
.hub-guide-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:15px}
.hub-guide-card{grid-column:span 2;display:block;position:relative;min-height:230px;padding:25px 23px;border:1px solid #dce7f2;border-radius:17px;background:#fff;text-decoration:none;box-shadow:0 8px 24px rgba(23,60,102,.045);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.hub-guide-card:nth-child(4){grid-column:2/span 2}.hub-guide-card:nth-child(5){grid-column:4/span 2}
.hub-guide-card:hover{transform:translateY(-5px);box-shadow:0 15px 32px rgba(23,60,102,.11);border-color:#b8d3ec}
.hub-guide-card>span{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:#eaf4ff;color:#155ca4;font-size:12px;font-weight:900}
.hub-guide-card h3{font-size:19px;line-height:1.25;color:#123c70;margin:15px 0 9px}
.hub-guide-card p{font-size:13px;line-height:1.6;color:#68778c;margin:0 0 18px}
.hub-guide-card b{position:absolute;left:23px;bottom:22px;color:#ef2d44;font-size:12px}
@media(max-width:900px){.hub-guide-grid{grid-template-columns:1fr 1fr}.hub-guide-card,.hub-guide-card:nth-child(4),.hub-guide-card:nth-child(5){grid-column:auto}}
@media(max-width:620px){.hub-guide-grid{grid-template-columns:1fr}.hub-guides-head h2{font-size:30px}.hub-guide-card{min-height:215px}}
/* ===== V34 OSHC Guides alignment refinement ===== */
.hub-guide-grid{
grid-template-columns:repeat(6,minmax(0,1fr));
gap:16px;
max-width:1200px;
margin:0 auto;
}
.hub-guide-card{
grid-column:span 2;
width:100%;
min-height:230px;
box-sizing:border-box;
}
.hub-guide-card:nth-child(4){grid-column:2/span 2}
.hub-guide-card:nth-child(5){grid-column:4/span 2}
.hub-guide-card p{
font-size:14px;
line-height:1.65;
}
@media(max-width:900px){
.hub-guide-grid{grid-template-columns:1fr 1fr}
.hub-guide-card,
.hub-guide-card:nth-child(4),
.hub-guide-card:nth-child(5){grid-column:auto}
}
@media(max-width:620px){
.hub-guide-grid{grid-template-columns:1fr}
}
/* ===== V35 Allianz Care OSHC provider page ===== */
.allianz-hero{padding:62px 0 66px;background:linear-gradient(120deg,#f7fcfb 0%,#edf9f6 58%,#e5f5f1 100%);border-bottom:1px solid #dcebe7}
.allianz-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center}
.provider-logo-panel{margin-bottom:20px}.provider-logo-panel img{max-width:190px;max-height:65px;object-fit:contain}
.allianz-hero .eyebrow,.waiting-section .eyebrow{font-size:11px;font-weight:900;letter-spacing:1.5px;color:#007f78;margin-bottom:9px}
.allianz-hero h1{font-size:48px;line-height:1.08;color:#102f5d;margin:0 0 17px;max-width:760px}.allianz-hero h1 span{color:#007f78}
.hero-lead{font-size:18px;line-height:1.65;color:#566b7d;max-width:700px}
.hero-checks{display:flex;flex-wrap:wrap;gap:10px 22px;margin:23px 0}.hero-checks span{font-size:13px;font-weight:700;color:#234d61}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn-red,.btn-outline,.btn-white{display:inline-block;text-decoration:none;font-weight:800;border-radius:8px;padding:14px 22px;transition:.2s ease}
.btn-red{background:#ef2d44;color:#fff;box-shadow:0 8px 20px rgba(239,45,68,.2)}.btn-red:hover{transform:translateY(-2px) scale(1.025)}
.btn-outline{border:1px solid #1b6380;color:#164f68;background:#fff}.btn-outline:hover{transform:translateY(-2px)}
.allianz-summary{background:#fff;border:1px solid #cfe5df;border-top:5px solid #008b83;border-radius:18px;padding:27px;box-shadow:0 16px 40px rgba(19,77,72,.09)}
.summary-kicker{font-size:10px;letter-spacing:1.3px;font-weight:900;color:#008b83}.allianz-summary h2{color:#123c70;font-size:25px;margin:8px 0 17px}
.summary-row{display:flex;justify-content:space-between;gap:15px;padding:13px 0;border-top:1px solid #e5efed;font-size:13px}.summary-row b{color:#244c62}.summary-row span{color:#637886;text-align:right}
.allianz-summary p{font-size:11px;line-height:1.55;color:#74838e;margin:14px 0 0}
.provider-trust{background:#fff;border-bottom:1px solid #e5edf4}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-grid>div{padding:23px 25px;border-right:1px solid #e5edf4}.trust-grid>div:last-child{border-right:0}.trust-grid b{display:block;color:#007f78;font-size:22px}.trust-grid span{font-size:12px;color:#627687}
.provider-section{padding:70px 0}.section-head{max-width:820px;margin:0 auto 35px;text-align:center}.section-head>span{font-size:11px;letter-spacing:1.4px;font-weight:900;color:#ef2d44}.section-head h2{font-size:36px;color:#102f5d;margin:8px 0 11px}.section-head p{color:#66798a;line-height:1.7}
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.benefit-grid article,.three-grid article,.four-grid article{background:#fff;border:1px solid #dfe9f2;border-radius:16px;padding:25px;box-shadow:0 7px 22px rgba(20,60,100,.04)}
.benefit-icon{width:43px;height:43px;border-radius:12px;background:#e8f6f3;color:#007f78;display:grid;place-items:center;font-weight:900;margin-bottom:16px}.benefit-grid h3,.three-grid h3,.four-grid h3{color:#123c70;margin:0 0 9px}.benefit-grid p,.three-grid p,.four-grid p{font-size:13px;line-height:1.65;color:#68798a;margin:0}
.provider-blue{padding:70px 0;background:#103f72}.section-head.light h2,.section-head.light p{color:#fff}.section-head.light>span{color:#8fe0d4}
.plan-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:930px;margin:auto}.plan-grid article{background:#fff;border-radius:17px;padding:28px}.plan-tag{font-size:10px;letter-spacing:1.2px;color:#008b83;font-weight:900}.plan-grid h3{color:#123c70;font-size:22px;margin:8px 0}.plan-grid p{color:#68798a;line-height:1.65;font-size:13px}.plan-grid a{color:#ef2d44;text-decoration:none;font-weight:800;font-size:13px}
.three-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.three-grid article>span{font-size:11px;font-weight:900;color:#008b83}.info-note{margin-top:20px;padding:17px 20px;background:#edf8f6;border-left:4px solid #008b83;border-radius:8px;color:#496776;font-size:13px}
.waiting-section{padding:70px 0;background:#f3f8fc}.waiting-grid{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.waiting-grid h2{font-size:35px;color:#102f5d;margin:7px 0 12px}.waiting-grid p{color:#66798a;line-height:1.7}.text-link{color:#ef2d44;text-decoration:none;font-weight:800;font-size:13px}
.waiting-card{background:#fff;border:1px solid #dce8f1;border-radius:16px;padding:25px}.waiting-card>div{display:flex;justify-content:space-between;gap:20px;padding:15px 0;border-bottom:1px solid #e5edf4;font-size:13px}.waiting-card b{color:#234e68}.waiting-card span{text-align:right;color:#007f78;font-weight:800}.waiting-card small{display:block;color:#7a8994;line-height:1.55;margin-top:15px}
.four-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.provider-faq{padding:70px 0;background:#f5f9fc}.faq-two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.faq-two details{background:#fff;border:1px solid #dfe8ef;border-radius:10px;padding:16px 18px}.faq-two summary{cursor:pointer;color:#153e6b;font-weight:800;font-size:13px}.faq-two p{color:#66798a;font-size:13px;line-height:1.65}
.provider-cta{padding:48px 0;background:#007f78}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}.cta-inner span{font-size:10px;letter-spacing:1.3px;font-weight:900;color:#bcece5}.cta-inner h2{color:#fff;font-size:30px;margin:6px 0}.cta-inner p{color:#e2f5f2;margin:0}.btn-white{background:#fff;color:#123c70;white-space:nowrap}.btn-white:hover{transform:translateY(-2px) scale(1.025)}
.provider-disclaimer{padding:20px 0;background:#f5f7f9;color:#6c7983;font-size:11px;line-height:1.6;border-bottom:1px solid #e2e7eb}
@media(max-width:900px){.allianz-hero-grid,.waiting-grid{grid-template-columns:1fr}.benefit-grid,.three-grid{grid-template-columns:1fr 1fr}.four-grid{grid-template-columns:1fr 1fr}.trust-grid{grid-template-columns:1fr 1fr}.faq-two{grid-template-columns:1fr}}
@media(max-width:620px){.allianz-hero h1{font-size:36px}.benefit-grid,.three-grid,.four-grid,.plan-grid,.trust-grid{grid-template-columns:1fr}.cta-inner{display:block}.btn-white{margin-top:20px}.section-head h2,.waiting-grid h2{font-size:30px}}
/* ===== V36 critical provider-page header reset =====
Prevent legacy global logo/header rules from enlarging the Policy Direct logo.
*/
.site-header{
background:#fff!important;
border-bottom:1px solid #e4ebf2!important;
position:relative!important;
z-index:50!important;
height:auto!important;
min-height:0!important;
overflow:visible!important;
}
.site-header .header-inner{
min-height:82px!important;
height:82px!important;
display:flex!important;
align-items:center!important;
justify-content:space-between!important;
gap:24px!important;
padding-top:0!important;
padding-bottom:0!important;
}
.site-header .brand{
display:flex!important;
align-items:center!important;
flex:0 0 auto!important;
width:auto!important;
height:auto!important;
padding:0!important;
margin:0!important;
overflow:visible!important;
}
.site-header .brand img{
display:block!important;
width:auto!important;
height:64px!important;
max-width:250px!important;
max-height:64px!important;
object-fit:contain!important;
object-position:left center!important;
margin:0!important;
padding:0!important;
transform:none!important;
}
.site-header .main-nav{
display:flex!important;
align-items:center!important;
gap:25px!important;
margin-left:auto!important;
}
.site-header .main-nav a{
display:inline-block!important;
width:auto!important;
height:auto!important;
margin:0!important;
padding:8px 0!important;
color:#173e69!important;
text-decoration:none!important;
font-size:13px!important;
font-weight:700!important;
line-height:1.2!important;
}
.site-header .header-phone{
display:inline-flex!important;
align-items:center!important;
justify-content:center!important;
width:auto!important;
height:auto!important;
min-height:42px!important;
padding:0 18px!important;
margin:0!important;
border-radius:7px!important;
background:#ef2d44!important;
color:#fff!important;
text-decoration:none!important;
font-size:13px!important;
font-weight:800!important;
line-height:1!important;
}
@media(max-width:800px){
.site-header .header-inner{height:auto!important;min-height:74px!important;flex-wrap:wrap!important;padding-top:8px!important;padding-bottom:8px!important}
.site-header .brand img{height:54px!important;max-height:54px!important;max-width:210px!important}
.site-header .main-nav{order:3;width:100%!important;justify-content:center!important;gap:16px!important}
}
/* ===== V37 compact provider footer fix ===== */
.site-footer{
background:#0d3f73!important;
color:#fff!important;
padding:42px 0 28px!important;
min-height:0!important;
height:auto!important;
overflow:visible!important;
}
.site-footer .footer-grid{
display:grid!important;
grid-template-columns:1.15fr 1.2fr .8fr 1.15fr!important;
gap:42px!important;
align-items:start!important;
min-height:0!important;
}
.site-footer .footer-grid>div{
width:auto!important;
height:auto!important;
min-height:0!important;
padding:0!important;
margin:0!important;
background:transparent!important;
}
.site-footer .footer-logo{
display:block!important;
width:auto!important;
height:58px!important;
max-width:220px!important;
max-height:58px!important;
object-fit:contain!important;
object-position:left center!important;
margin:0 0 12px!important;
padding:0!important;
background:#fff!important;
border-radius:7px!important;
}
.site-footer h4{
color:#fff!important;
font-size:14px!important;
line-height:1.3!important;
margin:0 0 14px!important;
}
.site-footer a{
display:block!important;
color:#dceaf7!important;
font-size:12px!important;
line-height:1.45!important;
text-decoration:none!important;
margin:0 0 8px!important;
padding:0!important;
}
.site-footer a:hover{color:#fff!important;text-decoration:underline!important}
.site-footer p{
color:#dceaf7!important;
font-size:12px!important;
line-height:1.55!important;
margin:0 0 8px!important;
padding:0!important;
}
@media(max-width:900px){
.site-footer .footer-grid{grid-template-columns:1fr 1fr!important;gap:30px!important}
}
@media(max-width:560px){
.site-footer{padding:34px 0 24px!important}
.site-footer .footer-grid{grid-template-columns:1fr!important;gap:26px!important}
.site-footer .footer-logo{height:52px!important;max-height:52px!important}
}
/* ===== V38 Bupa OSHC provider page ===== */
.bupa-hero{padding:62px 0 66px;background:linear-gradient(120deg,#f7fbff 0%,#eef7ff 58%,#e5f1fb 100%);border-bottom:1px solid #dce8f3}
.bupa-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center}
.bupa-logo-panel img{max-width:150px!important;max-height:68px!important}
.bupa-eyebrow{font-size:11px;font-weight:900;letter-spacing:1.5px;color:#0066a8;margin-bottom:9px}
.bupa-hero h1{font-size:48px;line-height:1.08;color:#102f5d;margin:0 0 17px;max-width:760px}.bupa-hero h1 span{color:#0072bc}
.btn-bupa-outline{display:inline-block;text-decoration:none;font-weight:800;border-radius:8px;padding:14px 22px;transition:.2s ease;border:1px solid #0072bc;color:#0066a8;background:#fff}.btn-bupa-outline:hover{transform:translateY(-2px)}
.bupa-summary{background:#fff;border:1px solid #cfe2f0;border-top:5px solid #0072bc;border-radius:18px;padding:27px;box-shadow:0 16px 40px rgba(17,80,125,.09)}
.bupa-summary-kicker{font-size:10px;letter-spacing:1.3px;font-weight:900;color:#0072bc}.bupa-summary h2{color:#123c70;font-size:25px;margin:8px 0 17px}.bupa-summary p{font-size:11px;line-height:1.55;color:#74838e;margin:14px 0 0}
.bupa-trust .trust-grid b{color:#0072bc}.bupa-icon{background:#e9f4fb!important;color:#0072bc!important}
.bupa-blue{padding:70px 0;background:#0066a8}.bupa-feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.bupa-feature-grid article{background:#fff;border-radius:16px;padding:25px}.bupa-feature-grid h3{color:#123c70;margin:0 0 9px}.bupa-feature-grid p{font-size:13px;line-height:1.65;color:#68798a;margin:0}
.bupa-pharmacy{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.bupa-pharmacy>div{padding:28px 24px;background:#f3f9fd;border:1px solid #d8e9f5;border-radius:16px;text-align:center}.bupa-pharmacy strong{display:block;color:#0072bc;font-size:27px;margin-bottom:8px}.bupa-pharmacy span{font-size:13px;line-height:1.55;color:#607789}
.bupa-note{background:#eef7fd!important;border-left-color:#0072bc!important}.bupa-waiting span{color:#0072bc!important}.bupa-cta{background:#0066a8!important}
@media(max-width:900px){.bupa-hero-grid{grid-template-columns:1fr}.bupa-feature-grid{grid-template-columns:1fr 1fr}.bupa-pharmacy{grid-template-columns:1fr}}
@media(max-width:620px){.bupa-hero h1{font-size:36px}.bupa-feature-grid{grid-template-columns:1fr}}
/* ===== V39 nib OSHC provider page ===== */
.nib-hero{padding:62px 0 66px;background:linear-gradient(120deg,#fbfff8 0%,#f2fae9 58%,#eaf6dc 100%);border-bottom:1px solid #dce9ce}
.nib-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center}
.nib-logo-panel img{max-width:125px!important;max-height:68px!important}
.nib-eyebrow{font-size:11px;font-weight:900;letter-spacing:1.5px;color:#5c8f20;margin-bottom:9px}
.nib-hero h1{font-size:48px;line-height:1.08;color:#102f5d;margin:0 0 17px;max-width:760px}.nib-hero h1 span{color:#6a9f2b}
.btn-nib-outline{display:inline-block;text-decoration:none;font-weight:800;border-radius:8px;padding:14px 22px;transition:.2s ease;border:1px solid #6a9f2b;color:#557f21;background:#fff}.btn-nib-outline:hover{transform:translateY(-2px)}
.nib-summary{background:#fff;border:1px solid #d8e8c7;border-top:5px solid #79a936;border-radius:18px;padding:27px;box-shadow:0 16px 40px rgba(80,116,35,.09)}
.nib-summary-kicker{font-size:10px;letter-spacing:1.3px;font-weight:900;color:#6a9f2b}.nib-summary h2{color:#123c70;font-size:25px;margin:8px 0 17px}.nib-summary p{font-size:11px;line-height:1.55;color:#74838e;margin:14px 0 0}
.nib-trust .trust-grid b{color:#6a9f2b}.nib-icon{background:#f0f8e7!important;color:#669b28!important}
.nib-green{padding:70px 0;background:#628f28}.nib-feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.nib-feature-grid article{background:#fff;border-radius:16px;padding:25px}.nib-feature-grid h3{color:#123c70;margin:0 0 9px}.nib-feature-grid p{font-size:13px;line-height:1.65;color:#68798a;margin:0}
.nib-notcovered{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.nib-notcovered article{background:#fff;border:1px solid #dfe9e1;border-radius:16px;padding:24px}.nib-notcovered span{display:grid;place-items:center;width:35px;height:35px;border-radius:50%;background:#f5e9e9;color:#c43a3a;font-weight:900;margin-bottom:14px}.nib-notcovered h3{color:#123c70;margin:0 0 8px}.nib-notcovered p{font-size:13px;line-height:1.6;color:#68798a;margin:0}
.nib-waiting span{color:#6a9f2b!important}.nib-cta{background:#628f28!important}
@media(max-width:900px){.nib-hero-grid{grid-template-columns:1fr}.nib-feature-grid,.nib-notcovered{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.nib-hero h1{font-size:36px}.nib-feature-grid,.nib-notcovered{grid-template-columns:1fr}}
/* ===== V40 nib brand-colour refinement =====
Use the dark green from the nib logo consistently across the nib provider page.
*/
.nib-page{--nib-dark:#00543c;--nib-dark-2:#064f3c;--nib-pale:#f1f8ee;--nib-soft:#e5f1e8}
.nib-page .nib-hero{
background:linear-gradient(120deg,#f8fcf5 0%,#eef7ea 58%,#e5f1e8 100%)!important;
border-bottom-color:#cfdfd3!important;
}
.nib-page .nib-eyebrow,
.nib-page .nib-summary-kicker{color:var(--nib-dark)!important}
.nib-page .nib-hero h1 span{color:var(--nib-dark)!important}
.nib-page .btn-nib-outline{
border-color:var(--nib-dark)!important;
color:var(--nib-dark)!important;
}
.nib-page .btn-nib-outline:hover{
background:var(--nib-dark)!important;
color:#fff!important;
}
.nib-page .nib-summary{
border-color:#cbded3!important;
border-top-color:var(--nib-dark)!important;
}
.nib-page .nib-trust .trust-grid b{color:var(--nib-dark)!important}
.nib-page .nib-icon{
background:#e5f1e8!important;
color:var(--nib-dark)!important;
}
.nib-page .nib-green{
background:var(--nib-dark)!important;
}
.nib-page .nib-green .section-head>span{color:#bde3d4!important}
.nib-page .nib-green .section-head h2,
.nib-page .nib-green .section-head p{color:#fff!important}
.nib-page .nib-feature-grid article{
border-top:4px solid var(--nib-dark-2)!important;
}
.nib-page .nib-waiting span{color:var(--nib-dark)!important}
.nib-page .nib-cta{
background:var(--nib-dark)!important;
}
.nib-page .info-note{
border-left-color:var(--nib-dark)!important;
}
.nib-page .text-link{color:var(--nib-dark)!important}
.nib-page .nib-notcovered article{
border-color:#d4e4da!important;
}
.nib-page .provider-faq .section-head>span{
color:var(--nib-dark)!important;
}
.nib-page .faq-two details[open]{
border-color:#b9d4c5!important;
}
.nib-page .site-footer{
background:#0d3f73!important; /* keep Policy Direct footer branding */
}