*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#102a43;background:#fff}a{text-decoration:none;color:inherit}
.site-header{background:#fff;border-bottom:1px solid #e6edf5;position:sticky;top:0;z-index:50}.header-inner{max-width:1240px;margin:auto;height:84px;display:flex;align-items:center;gap:32px;padding:0 24px}.brand img{width:155px;display:block}.header-inner nav{display:flex;gap:27px;margin-left:auto;font-size:14px;font-weight:700;color:#27496b}.header-inner nav a:hover{color:#087ee5}.phone{background:#087ee5;color:white;padding:12px 17px;border-radius:8px;font-weight:700;font-size:14px}
.provider-hero{background:linear-gradient(135deg,#eef8ff 0%,#fff 58%);padding:44px 24px 48px}.provider-hero-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}.provider-copy h1{font-size:45px;line-height:1.08;margin:14px 0 18px;color:#082b62;letter-spacing:-1.3px}.provider-copy>p{font-size:17px;line-height:1.7;color:#526b83;max-width:650px}.provider-logo{width:165px;height:62px;object-fit:contain;object-position:left center}.eyebrow{font-size:12px;font-weight:800;letter-spacing:1.6px;color:#087ee5;margin-bottom:8px}.hero-points{display:flex;gap:11px;flex-wrap:wrap;margin:24px 0}.hero-points span{background:white;border:1px solid #dbe9f6;padding:9px 12px;border-radius:999px;font-size:13px;font-weight:700;color:#23496c}
.primary-btn,.secondary-btn{display:inline-block;padding:14px 20px;border-radius:8px;font-weight:800;font-size:14px}.primary-btn{background:#087ee5;color:#fff}.secondary-btn{border:1px solid #087ee5;color:#087ee5;background:#fff}.full{display:block;text-align:center;margin-top:20px}
.provider-section{padding:64px 24px}.provider-section.soft{background:#f5f9fd}.narrow{max-width:1020px;margin:auto}.narrow.wide{max-width:1160px}.provider-section h2{font-size:32px;color:#082b62;margin:5px 0 15px}.provider-section p{line-height:1.7;color:#526b83}.intro{text-align:center}.intro p{max-width:820px;margin:0 auto}.section-heading{display:flex;justify-content:space-between;gap:35px;align-items:end;margin-bottom:26px}.section-heading p{max-width:440px;margin:0;font-size:14px}
.provider-plans{display:grid;grid-template-columns:1fr 1fr;gap:24px}.provider-plan,.provider-plan.featured{border:1px solid #dbe6f0;border-radius:18px;padding:28px;background:#fff;box-shadow:0 8px 30px rgba(14,53,91,.08)}.plan-top{display:flex;align-items:center;justify-content:space-between;gap:15px}.plan-top img{width:145px;height:55px;object-fit:contain;object-position:left}.badge{background:#e7f7ed;color:#17713c;border-radius:999px;padding:7px 10px;font-size:11px;font-weight:800}.provider-plan h3{font-size:24px;color:#082b62;margin:20px 0 10px}.big-price{font-size:32px;font-weight:800;color:#e3342f;display:flex;align-items:center;gap:5px;flex-wrap:wrap}.big-price span,.big-price small{font-size:12px;color:#6c8095;font-weight:700}.plan-summary{min-height:50px}.benefit-list{border-top:1px solid #e6edf4;margin-top:18px;padding-top:14px}.benefit-list div{padding:8px 0;font-size:14px;color:#23496c}.benefit-list .muted{color:#7b8fa3}.text-link{display:block;text-align:center;color:#087ee5;font-size:13px;font-weight:800;margin-top:14px}
.price-info{position:relative;display:inline-flex!important;align-items:center;justify-content:center;width:18px;height:18px;min-width:18px;border-radius:50%;background:#087ee5;color:#fff!important;font:700 12px/18px Arial,sans-serif!important;cursor:help}.price-tip{display:none;position:absolute;z-index:9999;left:calc(100% + 9px);top:-10px;width:270px;padding:12px 14px;background:#082b62;color:#fff;border-radius:8px;box-shadow:0 12px 30px rgba(0,24,65,.28);font-size:12px;font-weight:500;line-height:1.45;text-align:left}.price-info:hover .price-tip{display:block}.provider-plan.featured .price-tip{left:auto;right:calc(100% + 9px)}
.info-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;margin-top:26px}.info-card{background:white;border:1px solid #dfe9f3;border-radius:14px;padding:22px;text-align:center}.info-card strong{display:block;color:#e3342f;font-size:26px;margin-bottom:8px}.info-card span{font-size:13px;line-height:1.45;color:#526b83}.fine{font-size:12px;margin-top:18px}.faq details{background:white;border:1px solid #dfe7ef;border-radius:10px;margin:10px 0;padding:0 18px}.faq summary{padding:17px 0;font-weight:800;color:#173f67;cursor:pointer}.faq details p{margin:0 0 18px;font-size:14px}.provider-cta{max-width:1160px;margin:50px auto;padding:34px 40px;border-radius:18px;background:#082b62;color:white;display:flex;align-items:center;justify-content:space-between;gap:25px}.provider-cta h2{margin:0 0 7px}.provider-cta p{margin:0;color:#d5e5f4}
.australia-visual{width:100%;height:350px;border-radius:22px;position:relative;overflow:hidden;background:radial-gradient(circle at 82% 18%,rgba(8,126,229,.13),transparent 32%),linear-gradient(145deg,#e9f8ff,#fff 52%,#dcefff);box-shadow:0 20px 50px rgba(10,56,100,.14);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:32px}.australia-visual:before,.australia-visual:after{content:"";position:absolute;border-radius:50%;border:1px solid rgba(8,126,229,.13)}.australia-visual:before{width:310px;height:310px;right:-100px;top:-120px}.australia-visual:after{width:230px;height:230px;left:-95px;bottom:-100px}.visual-badge{position:absolute;top:27px;left:30px;color:#087ee5;font-size:11px;font-weight:800;letter-spacing:1.5px}.visual-mark{width:116px;height:94px;background:#087ee5;color:#fff;display:flex;align-items:center;justify-content:center;font-size:32px;font-weight:800;clip-path:polygon(9% 35%,20% 16%,38% 19%,49% 4%,61% 19%,77% 15%,95% 37%,84% 56%,88% 73%,68% 92%,48% 82%,34% 96%,17% 78%,5% 61%)}.visual-title{font-size:23px;font-weight:800;color:#082b62;margin-top:14px}.visual-sub{font-size:13px;color:#58718a;margin-top:7px}.visual-pills{display:flex;gap:8px;margin-top:20px;flex-wrap:wrap;justify-content:center}.visual-pills span{background:#fff;border:1px solid #cee2f2;color:#315b7d;border-radius:999px;padding:7px 11px;font-size:11px;font-weight:800}
.site-footer{background:#061d3c;color:#d5e1ee;margin-top:60px;padding:48px 24px 20px}.footer-grid{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.35fr 1fr 1.2fr 1fr 1.1fr;gap:32px}.footer-brand p{max-width:255px}.site-footer .footer-logo{width:170px;filter:none;background:#fff;border-radius:8px;padding:7px;margin-bottom:12px}.site-footer h4{color:#fff;margin:4px 0 15px;font-size:14px}.site-footer a,.site-footer p{display:block;color:#b9cadb;font-size:12px;line-height:1.65;margin:0 0 7px}.footer-bottom{max-width:1180px;margin:32px auto 0;padding-top:18px;border-top:1px solid #28415f;display:flex;justify-content:space-between;color:#a6bbcf;font-size:11px}.site-footer .legal{max-width:1180px;margin:12px auto 0;padding:0;border:0;color:#7f98af;font-size:10px}
@media(max-width:900px){.header-inner nav{display:none}.phone{margin-left:auto}.provider-hero-inner,.provider-plans{grid-template-columns:1fr}.provider-copy h1{font-size:36px}.section-heading{display:block}.info-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.australia-visual{height:290px}.provider-cta{margin:25px 16px;display:block}.provider-cta .primary-btn{margin-top:20px}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block}.info-grid{grid-template-columns:1fr}.provider-copy h1{font-size:31px}}

/* V4 approved visual refinements */
.badge{
  padding:9px 14px!important;
  font-size:13px!important;
  font-weight:800!important;
  background:#0aa34f!important;
  color:#fff!important;
}
.visitor-photo-hero{
  min-height:350px;
  border-radius:22px;
  position:relative;
  overflow:hidden;
  background:
    linear-gradient(90deg,rgba(237,248,255,.12),rgba(3,42,84,.08)),
    url("assets/allianz-approved-visual-reference.png") center 17%/cover no-repeat;
  box-shadow:0 20px 50px rgba(10,56,100,.16);
}
.visitor-photo-overlay{
  position:absolute;right:24px;top:25px;
  max-width:245px;text-align:right;color:#07366d;
  text-shadow:0 1px 8px rgba(255,255,255,.95);
}
.visitor-photo-overlay span{display:block;font-size:11px;font-weight:800;letter-spacing:1.5px;color:#087ee5}
.visitor-photo-overlay strong{display:block;font-size:25px;line-height:1.05;margin-top:5px}
.visitor-photo-overlay small{display:block;font-size:12px;margin-top:7px;font-weight:700}
@media(max-width:900px){.visitor-photo-hero{min-height:285px}.visitor-photo-overlay{right:18px;top:18px}}

/* V5 — normal hero photograph, not a webpage/screenshot graphic */
.normal-hero-photo{
  min-height:350px;
  border-radius:22px;
  overflow:hidden;
  box-shadow:0 20px 50px rgba(10,56,100,.16);
  background:#eaf6ff;
}
.normal-hero-photo img{
  width:100%;
  height:350px;
  display:block;
  object-fit:cover;
  object-position:center;
}
@media(max-width:900px){
  .normal-hero-photo,.normal-hero-photo img{height:285px;min-height:285px}
}

/* V6 */
.normal-hero-photo img{object-fit:cover!important;object-position:center center!important}.price-tip{width:auto!important;min-width:235px!important;white-space:nowrap!important}

/* V7 — clearer premium tooltips */
.price-info{z-index:30!important}
.price-tip{
  display:none!important;
  position:absolute!important;
  top:28px!important;
  left:50%!important;
  right:auto!important;
  transform:translateX(-50%)!important;
  min-width:285px!important;
  width:285px!important;
  padding:15px 17px!important;
  white-space:normal!important;
  background:#ffffff!important;
  color:#102a43!important;
  border:2px solid #087ee5!important;
  border-radius:10px!important;
  box-shadow:0 12px 30px rgba(0,40,90,.22)!important;
  font-size:15px!important;
  line-height:1.5!important;
  font-weight:700!important;
  text-align:left!important;
  z-index:99999!important;
}
.price-info:hover .price-tip,
.price-info:focus .price-tip{display:block!important}
.price-tip:before{
  content:"Premium";
  display:block;
  margin:-15px -17px 12px;
  padding:8px 14px;
  background:#087ee5;
  color:#fff;
  border-radius:7px 7px 0 0;
  font-size:13px;
  font-weight:800;
}
.provider-plan.featured .price-tip{
  left:auto!important;
  right:0!important;
  transform:none!important;
}

/* Reusable promotion strip below the plan comparison */
.promo-area{
  margin-top:22px;
  display:grid;
  grid-template-columns:auto 1.6fr .65fr auto;
  gap:20px;
  align-items:center;
  padding:18px 22px;
  background:linear-gradient(100deg,#eafcff,#f6ffff);
  border:1px solid #8ddde5;
  border-radius:14px;
  box-shadow:0 7px 22px rgba(0,80,110,.07);
}
.promo-gift{font-size:38px}
.promo-main{display:flex;flex-direction:column;gap:3px}
.promo-kicker{font-size:10px;font-weight:900;letter-spacing:1.3px;color:#087ee5}
.promo-main strong{font-size:21px;color:#d92532}
.promo-copy{font-size:12px;color:#526b83;line-height:1.4}
.promo-code{border-left:1px solid #bddde3;padding-left:20px}
.promo-code span{display:block;font-size:11px;color:#607b8e;margin-bottom:5px}
.promo-code strong{display:inline-block;background:#fff;border:1px dashed #8aaeb9;border-radius:6px;padding:7px 12px;color:#173f67;font-size:13px}
.promo-link{border:1px solid #087ee5;border-radius:999px;padding:10px 16px;color:#087ee5;font-size:12px;font-weight:800;white-space:nowrap}
@media(max-width:800px){
 .price-tip{min-width:245px!important;width:245px!important}
 .promo-area{grid-template-columns:auto 1fr}
 .promo-code{border-left:0;padding-left:0}
 .promo-link{justify-self:start}
}

/* V10 — green benefit ticks */
.benefit-list div:not(.muted){
  color:#23496c;
}
.benefit-list div:not(.muted)::first-letter{
  color:#08a64f;
  font-weight:900;
}

/* AIA provider page */
.provider-plans.single-plan{grid-template-columns:minmax(0,720px)!important;justify-content:center}
.aia-wordmark{font-size:42px;line-height:1;font-weight:900;letter-spacing:2px;color:#d71920}
.provider-plans.single-plan .provider-plan{max-width:720px;width:100%}

/* V2 AIA cleanup */
.aia-hero-logo{display:inline-block;color:#d71920;font-weight:900;font-size:31px;line-height:1;letter-spacing:1.5px;margin:4px 0 24px}

/* V3 — AIA branding + exact age-based premium tooltip */
.aia-hero-logo{
  display:inline-block;
  color:#d71920!important;
  font-weight:900!important;
  font-size:34px!important;
  line-height:1!important;
  letter-spacing:2px!important;
  margin:4px 0 24px!important;
}
.aia-age-tip{
  width:320px!important;
  max-width:calc(100vw - 40px)!important;
  white-space:normal!important;
  line-height:1.55!important;
  text-align:left!important;
  font-size:15px!important;
}

/* V4 — consistent AIA logo and compliance wording */
.aia-logo-wordmark{
  display:inline-block!important;
  color:#d71920!important;
  font-family:Arial,Helvetica,sans-serif!important;
  font-size:31px!important;
  line-height:1!important;
  font-weight:900!important;
  letter-spacing:1.5px!important;
  text-decoration:none!important;
}
.aia-card-logo{font-size:36px!important}

/* V7 — AIA mark visibility and revised premium tooltip */
.aia-logo-wordmark{
  display:inline-block!important;
  visibility:visible!important;
  opacity:1!important;
  color:#d71920!important;
  font-family:Arial,Helvetica,sans-serif!important;
  font-size:32px!important;
  line-height:1!important;
  font-weight:900!important;
  letter-spacing:1.5px!important;
  text-decoration:none!important;
}
.aia-card-logo{font-size:36px!important}
.aia-age-tip{width:330px!important}

/* V8 — use supplied AIA logo image and exact premium tooltip wording */
.aia-logo-img{
  display:block!important;
  width:auto!important;
  height:52px!important;
  max-width:145px!important;
  object-fit:contain!important;
  object-position:left center!important;
}
.brand .aia-logo-img{height:48px!important;max-width:135px!important}
.hero-copy .aia-logo-img{height:64px!important;max-width:165px!important;margin-bottom:14px!important}
.provider-plan .aia-logo-img{height:58px!important;max-width:155px!important;margin-bottom:8px!important}
.footer-brand .aia-logo-img{height:58px!important;max-width:155px!important;margin-bottom:12px!important}

/* Tooltip header is already supplied by ::before, so no duplicate Premium text. */
.aia-age-tip strong{
  color:#102a43!important;
  font-size:16px!important;
}

/* V11 — Policy Direct branding in site header/footer */
.policy-direct-logo{
  display:block!important;
  width:auto!important;
  height:58px!important;
  max-width:210px!important;
  object-fit:contain!important;
  object-position:left center!important;
}
header .policy-direct-logo{height:58px!important;max-width:210px!important}
footer .footer-policy-logo{height:70px!important;max-width:225px!important}

/* Bupa provider page */
.bupa-logo-img{
  display:block!important;
  width:auto!important;
  height:58px!important;
  max-width:180px!important;
  object-fit:contain!important;
  object-position:left center!important;
  margin-bottom:12px!important;
}
.provider-plan .bupa-logo-img{height:52px!important;max-width:170px!important;margin-bottom:0!important}
.bupa-age-tip{width:390px!important}
.bupa-blue-line{height:3px;background:#0785f5;width:100%;margin-top:24px}