/* ============================================================
   insurance.css — /back-office/insurance (.ins-*).
   Rebuilt on the comms-page foundation: house tokens from
   styles.css (--paper --ink --indigo --ink-60 --line …), global
   classes (wrap, section-pad, h2, lead, eyebrow, ios, btn, mono)
   for all structure/type. Every section is one two-column grid:
   editorial copy + de-boxed gradient-dot proof points on one
   side, ONE soft-elevated animated stage panel on the other.
   Sand-blue palette; teal (--mint) reserved for tiny live/paid/
   verified dots. Animation driver: insurance.js (adds `ins--js`).
   ============================================================ */

.ins {
  --ins-blue: #5a82c2;
  --ins-deep: #3d63a4;
  --ins-lite: #8aa6dd;
  --ins-wash: color-mix(in srgb, #5a82c2 8%, #fff);
}

/* ────────────────────────────────────────────────────────────
   Shared section scaffolding
   ──────────────────────────────────────────────────────────── */
.ins .ins-sec-grid {
  display: grid;
  grid-template-columns: minmax(0, 10fr) minmax(0, 11fr);
  gap: clamp(34px, 5.5vw, 84px);
  align-items: center;
}
.ins .ins-sec-grid--flip {
  grid-template-columns: minmax(0, 11fr) minmax(0, 10fr);
}
.ins .ins-sec-grid--flip .ins-stagecol { order: -1; }

.ins .ins-copy .eyebrow { color: var(--ins-deep); }
.ins .ins-copy .h2 { margin: 14px 0 12px; }
.ins .ins-copy .lead { max-width: 44ch; }

/* de-boxed proof points, gradient dot markers */
.ins .ins-points {
  list-style: none;
  margin: clamp(24px, 3vw, 36px) 0 0;
  padding: 0;
  display: grid;
  gap: clamp(14px, 1.8vw, 20px);
}
.ins .ins-points li {
  position: relative;
  padding-left: 24px;
}
.ins .ins-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.42em;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--ins-blue), var(--indigo));
}
.ins .ins-points b {
  display: block;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 2px;
}
.ins .ins-points span {
  display: block;
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-60);
  max-width: 44ch;
}

/* stage column + ambient glow */
.ins .ins-stagecol {
  position: relative;
  min-width: 0;
}
.ins .ins-stagecol::before {
  content: "";
  position: absolute;
  inset: -8% -12%;
  z-index: 0;
  pointer-events: none;
  background:
    radial-gradient(55% 50% at 68% 32%, color-mix(in srgb, var(--ins-blue) 13%, transparent), transparent 72%),
    radial-gradient(48% 44% at 18% 82%, var(--periwinkle), transparent 70%);
}

/* the one soft-elevated stage panel per section */
.ins .ins-stage {
  position: relative;
  z-index: 1;
  margin: 0;
  background: linear-gradient(180deg, #fff, var(--paper));
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-float);
  padding: clamp(18px, 2vw, 26px);
}
.ins .ins-stagehead {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin: 0 0 4px;
  padding-bottom: 13px;
  border-bottom: 1px solid var(--line);
}
.ins .ins-live {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
  color: var(--ins-deep);
  background: var(--ins-wash);
  border: 1px solid color-mix(in srgb, var(--ins-blue) 24%, #fff);
  border-radius: var(--r-pill);
  padding: 5px 11px;
}
.ins .ins-live-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--mint);
  animation: ins-blink 1.6s ease-in-out infinite;
}
@keyframes ins-blink {
  0%, 100% { opacity: 1; }
  50%      { opacity: 0.35; }
}
.ins .ins-stagewho {
  font-size: 12px;
  color: var(--ink-40);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

/* small status chips */
.ins .ins-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--mono);
  font-style: normal;
  font-size: 10px;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--ins-deep);
  background: var(--ins-wash);
  border: 1px solid color-mix(in srgb, var(--ins-blue) 22%, #fff);
  border-radius: var(--r-pill);
  padding: 3px 9px;
  white-space: nowrap;
}
.ins .ins-chip--ok::before {
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--mint);
}
.ins .ins-dim {
  font-size: 12px;
  color: var(--ink-40);
}

/* JS reveal: rows hidden until played in */
.ins .ins--js .ins-r {
  opacity: 0;
  transform: translateY(9px);
}
.ins .ins--js .ins-r.is-on {
  animation: ins-in 0.42s cubic-bezier(0.2, 0.8, 0.2, 1) both;
}
@keyframes ins-in {
  from { opacity: 0; transform: translateY(9px) scale(0.99); }
  to   { opacity: 1; transform: none; }
}

/* ────────────────────────────────────────────────────────────
   HERO (.ins-hero) — the claim-lifecycle pipeline
   ──────────────────────────────────────────────────────────── */
.ins-hero {
  position: relative;
  overflow: hidden;
  padding: clamp(44px, 6vw, 84px) 0 clamp(56px, 7vw, 100px);
  /* transparent washes only — the hp2-bg band shows through underneath */
  background:
    radial-gradient(90% 70% at 82% -12%, color-mix(in srgb, var(--ins-blue) 12%, transparent), transparent 58%),
    radial-gradient(70% 60% at -6% 8%, color-mix(in srgb, var(--periwinkle) 72%, transparent), transparent 55%);
}
.ins-hero .ins-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 10fr) minmax(0, 11fr);
  gap: clamp(34px, 5vw, 76px);
  align-items: center;
}
.ins-hero .ins-hero-copy { min-width: 0; }
.ins-hero .ins-hero-copy .eyebrow { color: var(--ins-deep); }
.ins-hero .ins-hero-title {
  font-size: clamp(40px, 6vw, 80px);
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.02;
  color: var(--ink);
  margin: 16px 0 18px;
}
.ins-hero .ins-hero-title em {
  font-style: normal;
  color: var(--indigo);
}
.ins-hero .ins-hero-sub {
  max-width: 40ch;
  margin: 0 0 28px;
}
.ins-hero .ins-hero-cta {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-items: center;
}
.ins-hero .ins-hero-stats {
  display: flex;
  gap: clamp(22px, 3vw, 40px);
  margin-top: 34px;
  flex-wrap: wrap;
}
.ins-hero .ins-hero-stat b {
  display: block;
  font-size: 24px;
  font-weight: 600;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.ins-hero .ins-hero-stat > span {
  display: block;
  font-size: 12.5px;
  color: var(--ink-40);
  margin-top: 2px;
}
.ins-hero .ins-hero-stagecol {
  position: relative;
  min-width: 0;
}
.ins-hero .ins-hero-stagecol::before {
  content: "";
  position: absolute;
  inset: -8% -12%;
  z-index: 0;
  pointer-events: none;
  background:
    radial-gradient(55% 50% at 70% 26%, color-mix(in srgb, var(--ins-blue) 14%, transparent), transparent 72%),
    radial-gradient(46% 42% at 14% 86%, var(--periwinkle), transparent 70%);
}
.ins-hero .ins-hero-stage { z-index: 1; }

/* the pipeline */
.ins-hero .ins-flow {
  list-style: none;
  margin: 14px 0 0;
  padding: 0;
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 15px;
}
.ins-hero .ins-flow::before {
  content: "";
  position: absolute;
  left: 6px;
  top: 10px;
  bottom: 10px;
  width: 2px;
  border-radius: 2px;
  background: linear-gradient(180deg, color-mix(in srgb, var(--ins-blue) 30%, #fff), var(--line));
}
.ins-hero .ins-step {
  position: relative;
  display: grid;
  grid-template-columns: 14px 76px minmax(0, 1fr) auto;
  align-items: center;
  gap: 12px;
  transition: opacity 0.35s ease;
}
.ins-hero .ins-step-dot {
  position: relative;
  z-index: 1;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid color-mix(in srgb, var(--ins-blue) 45%, #fff);
}
.ins-hero .ins-step-code {
  justify-self: start;
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.06em;
  color: var(--ins-deep);
  background: var(--ins-wash);
  border: 1px solid color-mix(in srgb, var(--ins-blue) 24%, #fff);
  border-radius: var(--r-pill);
  padding: 3px 9px;
  white-space: nowrap;
  transition: background 0.3s, color 0.3s, border-color 0.3s;
}
.ins-hero .ins-step--deny .ins-step-code {
  border-style: dashed;
  border-color: color-mix(in srgb, var(--ins-deep) 40%, #fff);
}
.ins-hero .ins-step-main { min-width: 0; }
.ins-hero .ins-step-main b {
  display: block;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.ins-hero .ins-step-main span {
  display: block;
  font-size: 12px;
  color: var(--ink-40);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.ins-hero .ins-step-tick {
  font-size: 12px;
  font-weight: 700;
  color: var(--ins-deep);
  opacity: 0;
  transform: scale(0.6);
  transition: opacity 0.3s, transform 0.3s;
}
/* pipeline states */
.ins-hero .ins--js .ins-step { opacity: 0.34; }
.ins-hero .ins-step.is-done,
.ins-hero .ins--js .ins-step.is-done { opacity: 0.82; }
.ins-hero .ins-step.is-done .ins-step-tick {
  opacity: 1;
  transform: none;
}
.ins-hero .ins-step.is-done .ins-step-dot {
  background: var(--ins-deep);
  border-color: var(--ins-deep);
}
.ins-hero .ins-step.is-on,
.ins-hero .ins--js .ins-step.is-on { opacity: 1; }
.ins-hero .ins-step.is-on .ins-step-code {
  background: var(--ins-deep);
  border-color: var(--ins-deep);
  color: #fff;
}
.ins-hero .ins-step.is-on .ins-step-dot {
  background: var(--indigo);
  border-color: var(--indigo);
}
.ins-hero .ins-step.is-on .ins-step-dot::after {
  content: "";
  position: absolute;
  inset: -5px;
  border-radius: 50%;
  border: 1.5px solid var(--indigo);
  animation: ins-ping 1.5s ease-out infinite;
}
@keyframes ins-ping {
  0%        { transform: scale(0.5); opacity: 0.8; }
  80%, 100% { transform: scale(1.5); opacity: 0; }
}

/* paid badge, overlapping the stage edge */
.ins-hero .ins-flow-paid {
  position: relative;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: -17px 0 0 clamp(16px, 2.4vw, 30px);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-pill);
  padding: 9px 16px 9px 13px;
  box-shadow: var(--shadow-2);
  font-size: 12.5px;
  color: var(--ink-60);
}
.ins-hero .ins-flow-paid b {
  font-weight: 600;
  color: var(--ink);
}
.ins-hero .ins-paid-dot {
  flex: none;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--mint);
}
.ins-hero .ins--js .ins-flow-paid {
  opacity: 0;
  transform: translateY(6px);
  transition: opacity 0.4s ease, transform 0.4s ease;
}
.ins-hero .ins--js .ins-flow-paid.is-on {
  opacity: 1;
  transform: none;
}

/* ────────────────────────────────────────────────────────────
   ELIGIBILITY (.ins-elig) — the benefits card fills its rows
   ──────────────────────────────────────────────────────────── */
/* section backgrounds are transparent so the single hp2-bg band carries the
   whole page; per-section depth comes from the stagecol ambient glow only */
.ins-elig { background: transparent; }
.ins-elig .ins-elig-rows {
  list-style: none;
  margin: 12px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
}
.ins-elig .ins-erow {
  display: grid;
  grid-template-columns: 108px minmax(0, 1fr);
  align-items: center;
  gap: 4px 14px;
  padding: 12px 2px;
  border-bottom: 1px dashed var(--line);
}
.ins-elig .ins-erow:last-child { border-bottom: none; }
.ins-elig .ins-erow-k {
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--ink-40);
}
.ins-elig .ins-erow-v {
  display: flex;
  align-items: baseline;
  gap: 9px;
  min-width: 0;
  flex-wrap: wrap;
}
.ins-elig .ins-erow-v b {
  font-size: 15px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.ins-elig .ins-ebar {
  grid-column: 2;
  display: block;
  height: 6px;
  border-radius: 4px;
  background: color-mix(in srgb, var(--ins-blue) 10%, #fff);
  overflow: hidden;
}
.ins-elig .ins-ebar i {
  display: block;
  height: 100%;
  width: var(--w, 60%);
  border-radius: 4px;
  background: linear-gradient(90deg, var(--ins-blue), var(--indigo));
}
.ins-elig .ins--js .ins-ebar i {
  width: 0;
  transition: width 0.9s cubic-bezier(0.2, 0.8, 0.2, 1) 0.18s;
}
.ins-elig .ins--js .ins-erow.is-on .ins-ebar i {
  width: var(--w, 60%);
}

/* ────────────────────────────────────────────────────────────
   ESTIMATOR (.ins-est) — line items land, the portion counts up
   ──────────────────────────────────────────────────────────── */
.ins-est { background: transparent; }
.ins-est .ins-est-lines {
  list-style: none;
  margin: 14px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
}
.ins-est .ins-eline {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 14px;
  padding: 11px 2px;
  border-bottom: 1px dashed var(--line);
}
.ins-est .ins-eline-d {
  font-size: 14px;
  color: var(--ink-70);
  min-width: 0;
}
.ins-est .ins-eline-d small {
  display: block;
  font-size: 11.5px;
  color: var(--ink-40);
}
.ins-est .ins-eline-a {
  font-family: var(--mono);
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  white-space: nowrap;
}
.ins-est .ins-eline--credit .ins-eline-a { color: var(--ins-deep); }
.ins-est .ins-etotal {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 16px 2px 4px;
}
.ins-est .ins-etotal-k {
  font-size: 15px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.ins-est .ins-etotal-v {
  font-size: clamp(28px, 3vw, 38px);
  font-weight: 600;
  letter-spacing: -0.035em;
  color: var(--indigo);
  line-height: 1;
}
.ins-est .ins-accept {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ins-deep);
  background: #fff;
  border: 1px dashed color-mix(in srgb, var(--ins-blue) 38%, #fff);
  border-radius: var(--r-pill);
  padding: 7px 13px;
}
.ins-est .ins-accept-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--mint);
}

/* ────────────────────────────────────────────────────────────
   CLAIM (.ins-claim) — the 837D hooks its attachments on
   ──────────────────────────────────────────────────────────── */
.ins-claim { background: transparent; }
.ins-claim .ins-claim-sum {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin: 12px 0 4px;
  font-size: 14px;
  color: var(--ink-70);
}
.ins-claim .ins-claim-sum b {
  font-weight: 600;
  color: var(--ink);
}
.ins-claim .ins-claim-fee {
  font-family: var(--mono);
  font-weight: 600;
  color: var(--ink);
}
.ins-claim .ins-pwks {
  list-style: none;
  margin: 8px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.ins-claim .ins-pwk {
  display: grid;
  grid-template-columns: 78px minmax(0, 1fr) auto;
  align-items: center;
  gap: 12px;
  padding: 9px 12px;
  border: 1px solid var(--line);
  border-radius: 13px;
  background: #fff;
}
.ins-claim .ins-pwk-code {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.05em;
  color: var(--ins-deep);
  background: var(--ins-wash);
  border: 1px solid color-mix(in srgb, var(--ins-blue) 22%, #fff);
  border-radius: var(--r-pill);
  padding: 3px 8px;
  text-align: center;
  white-space: nowrap;
}
.ins-claim .ins-pwk-main {
  font-size: 13.5px;
  color: var(--ink-70);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.ins-claim .ins-pwk-tick {
  font-size: 12px;
  font-weight: 700;
  color: var(--ins-deep);
}
.ins-claim .ins-scrub {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 15px;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ins-deep);
  background: #fff;
  border: 1px dashed color-mix(in srgb, var(--ins-blue) 38%, #fff);
  border-radius: var(--r-pill);
  padding: 7px 13px;
}
.ins-claim .ins-scrub-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--mint);
}

/* ────────────────────────────────────────────────────────────
   DENIALS (.ins-den) — the appeal ladder lights rung by rung
   ──────────────────────────────────────────────────────────── */
.ins-den { background: transparent; }
.ins-den .ins-den-stats {
  display: flex;
  gap: clamp(22px, 3vw, 40px);
  margin-top: clamp(24px, 3vw, 34px);
  flex-wrap: wrap;
}
.ins-den .ins-den-stats b {
  display: block;
  font-size: 24px;
  font-weight: 600;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.ins-den .ins-den-stats span {
  display: block;
  font-size: 12.5px;
  color: var(--ink-40);
  margin-top: 2px;
}
.ins-den .ins-rungs {
  list-style: none;
  margin: 14px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 13px;
}
.ins-den .ins-rung {
  display: grid;
  grid-template-columns: 62px minmax(0, 1fr);
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
  transition: border-color 0.35s, box-shadow 0.35s;
}
.ins-den .ins-rung-tier {
  font-family: var(--mono);
  font-size: 9.5px;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--ins-deep);
  background: var(--ins-wash);
  border: 1px solid color-mix(in srgb, var(--ins-blue) 22%, #fff);
  border-radius: var(--r-pill);
  padding: 3px 8px;
  text-align: center;
  white-space: nowrap;
}
.ins-den .ins-rung-main { min-width: 0; }
.ins-den .ins-rung-main b {
  display: block;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.ins-den .ins-rung-main span {
  display: block;
  font-size: 12px;
  color: var(--ink-40);
}
.ins-den .ins-rung.is-on {
  border-color: color-mix(in srgb, var(--ins-blue) 45%, var(--line));
  box-shadow: 0 10px 28px -18px color-mix(in srgb, var(--ins-deep) 60%, transparent);
}
.ins-den .ins-rung.is-on .ins-rung-tier {
  background: var(--ins-deep);
  border-color: var(--ins-deep);
  color: #fff;
}
.ins-den .ins-recovered {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 15px;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ins-deep);
  background: #fff;
  border: 1px dashed color-mix(in srgb, var(--ins-blue) 38%, #fff);
  border-radius: var(--r-pill);
  padding: 7px 13px;
}
.ins-den .ins-recovered-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--mint);
}

/* ────────────────────────────────────────────────────────────
   TEAM (.ins-team) — compact de-boxed roster; the roster itself
   is the stage and lights up specialist by specialist
   ──────────────────────────────────────────────────────────── */
.ins-team {
  background:
    radial-gradient(70% 60% at 90% 10%, color-mix(in srgb, var(--ins-blue) 9%, transparent), transparent 60%);
}
.ins-team .ins-roster {
  position: relative;
  z-index: 1;
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
}
/* the connecting rail the claim rides down through every stage */
.ins-team .ins-relay::before {
  content: "";
  position: absolute;
  left: 12px;
  top: 26px;
  bottom: 26px;
  width: 2px;
  border-radius: 2px;
  background: linear-gradient(
    180deg,
    transparent,
    color-mix(in srgb, var(--ins-blue) 26%, var(--line)) 10%,
    color-mix(in srgb, var(--ins-blue) 26%, var(--line)) 90%,
    transparent
  );
  z-index: 0;
}
/* a glowing pip travelling down the rail — the claim flowing through the cycle */
.ins-team .ins-flow {
  position: absolute;
  left: 11px;
  width: 4px;
  height: 46px;
  border-radius: 4px;
  transform: translateX(-1px);
  background: linear-gradient(180deg, transparent, var(--mint), transparent);
  box-shadow: 0 0 14px 3px color-mix(in srgb, var(--mint) 55%, transparent);
  opacity: 0;
  z-index: 0;
  pointer-events: none;
  animation: insRelayFlow 9s cubic-bezier(.5,0,.5,1) infinite;
}
@keyframes insRelayFlow {
  0%   { top: 4%;  opacity: 0; }
  8%   { opacity: 1; }
  92%  { opacity: 1; }
  100% { top: 92%; opacity: 0; }
}
.ins-team .ins-roster li {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 26px 150px minmax(0, 1fr);
  align-items: baseline;
  gap: 6px 14px;
  padding: 13px 2px;
  border-bottom: 1px dashed var(--line);
  transition: opacity 0.35s ease;
}
.ins-team .ins-roster li:last-child { border-bottom: none; }
/* rail node — a ring that sits on the rail; the page-bg ring masks the line */
.ins-team .ins-ag-lamp {
  align-self: center;
  width: 13px;
  height: 13px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid color-mix(in srgb, var(--ins-blue) 32%, var(--line));
  box-shadow: 0 0 0 4px var(--paper);
  transition: background 0.3s, border-color 0.3s, box-shadow 0.3s, transform 0.3s;
}
.ins-team .ins-ag-name {
  font-size: 15px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
  white-space: nowrap;
}
.ins-team .ins-ag-name small {
  display: block;
  font-family: var(--mono);
  font-size: 10.5px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ins-blue);
  opacity: .8;
}
.ins-team .ins-ag-task {
  font-family: var(--mono);
  font-size: 12px;
  color: var(--ink-40);
  min-width: 0;
  transition: color 0.3s;
}
.ins-team .ins--js .ins-roster li { opacity: 0.42; }
.ins-team .ins-roster li.is-live,
.ins-team .ins--js .ins-roster li.is-live { opacity: 1; }
/* the active stage lights up — the claim is here right now */
.ins-team .ins-roster li.is-live .ins-ag-lamp {
  background: var(--mint);
  border-color: var(--mint);
  transform: scale(1.12);
  box-shadow: 0 0 0 4px var(--paper), 0 0 16px 3px color-mix(in srgb, var(--mint) 55%, transparent);
}
.ins-team .ins-roster li.is-live .ins-ag-task {
  color: var(--ins-deep);
}

/* ────────────────────────────────────────────────────────────
   CTA (.ins-cta)
   ──────────────────────────────────────────────────────────── */
.ins-cta {
  /* transparent so the hp2-bg band continues; a soft top glow + hairline
     border read the closing band as intentional, not a separate surface */
  background:
    radial-gradient(120% 120% at 50% 0%, color-mix(in srgb, var(--periwinkle) 70%, transparent) 0%, transparent 60%);
  border-top: 1px solid var(--line);
  padding-block: clamp(72px, 10vw, 128px);
  text-align: center;
}
.ins-cta .ins-cta-inner { max-width: 720px; }
.ins-cta .ins-cta-eyebrow {
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ins-deep);
}
.ins-cta .ins-cta-h {
  font-size: clamp(30px, 4.4vw, 54px);
  font-weight: 600;
  letter-spacing: -0.035em;
  line-height: 1.06;
  color: var(--ink);
  margin: 16px 0 16px;
}
.ins-cta .ins-cta-sub {
  font-size: clamp(16px, 1.35vw, 19px);
  line-height: 1.6;
  color: var(--ink-60);
  max-width: 50ch;
  margin: 0 auto 30px;
}
.ins-cta .ins-cta-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
}
.ins-cta .ins-cta-ghost {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 15px;
  font-weight: 500;
  color: var(--ink-70);
  padding: 12px 8px;
}
.ins-cta .ins-cta-ghost:hover { color: var(--ins-deep); }
.ins-cta .ins-cta-ghost .arrow { transition: transform 0.2s ease; }
.ins-cta .ins-cta-ghost:hover .arrow { transform: translateX(3px); }

/* ════════════════════════════════════════════════════════════
   INTERACTIVE + HOVER LAYER (rework)
   Cursor tilt on stage panels, hoverable rows, the procedure
   switcher (estimator) and the CARC → appeal switcher (denials).
   ════════════════════════════════════════════════════════════ */

/* data-tilt stages ease into their cursor-driven transform (app.js sets the
   inline transform); keep a smooth spring and lift the shadow on hover */
.ins .ins-stage[data-tilt] {
  transition: transform 0.32s cubic-bezier(0.2, 0.8, 0.2, 1),
    box-shadow 0.32s ease;
  transform-style: preserve-3d;
  will-change: transform;
}
.ins .ins-stage[data-tilt]:hover {
  box-shadow: 0 40px 96px -40px rgba(28, 38, 110, 0.5);
}

/* hoverable data rows — a gentle lift + tint so the cards feel alive */
.ins-elig .ins-erow,
.ins-est .ins-eline {
  border-radius: 10px;
  transition: background 0.22s ease, transform 0.22s ease;
}
.ins-elig .ins-erow:hover,
.ins-est .ins-eline:hover {
  background: color-mix(in srgb, var(--ins-blue) 6%, transparent);
}
.ins-claim .ins-pwk {
  transition: border-color 0.22s ease, box-shadow 0.22s ease, transform 0.22s ease;
}
.ins-claim .ins-pwk:hover {
  border-color: color-mix(in srgb, var(--ins-blue) 40%, var(--line));
  box-shadow: 0 10px 24px -18px color-mix(in srgb, var(--ins-deep) 55%, transparent);
  transform: translateY(-1px);
}

/* ── the procedure switcher (estimator) ─────────────────────── */
.ins-est .ins-proc-picker {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  margin: 14px 0 4px;
}
.ins-est .ins-proc {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.01em;
  color: var(--ink-60);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-pill);
  padding: 7px 13px;
  cursor: pointer;
  transition: color 0.2s, background 0.2s, border-color 0.2s, transform 0.15s;
}
.ins-est .ins-proc:hover {
  border-color: color-mix(in srgb, var(--ins-blue) 45%, #fff);
  color: var(--ins-deep);
  transform: translateY(-1px);
}
.ins-est .ins-proc:focus-visible {
  outline: 2px solid var(--ins-blue);
  outline-offset: 2px;
}
.ins-est .ins-proc.is-on {
  color: #fff;
  background: var(--ins-deep);
  border-color: var(--ins-deep);
  box-shadow: 0 8px 20px -12px color-mix(in srgb, var(--ins-deep) 80%, transparent);
}
/* the total gets a soft flash when it recomputes */
.ins-est .ins-etotal-v {
  transition: color 0.3s ease;
}
.ins-est .ins-etotal-v.is-flash {
  color: var(--indigo);
}

/* a quick stagger when the estimate rows / ladder rungs swap on selection */
@keyframes ins-swap {
  from { opacity: 0.25; transform: translateY(7px); }
  to   { opacity: 1; transform: none; }
}
.ins-est .ins-eline.is-swap,
.ins-est .ins-etotal.is-swap,
.ins-den .ins-rung.is-swap {
  animation: ins-swap 0.36s cubic-bezier(0.2, 0.8, 0.2, 1) both;
}

/* ── the CARC → appeal switcher (denials) ───────────────────── */
.ins-den .ins-live--warn {
  color: #9a6118;
  background: color-mix(in srgb, #d79338 14%, #fff);
  border-color: color-mix(in srgb, #d79338 34%, #fff);
}
.ins-den .ins-live--warn .ins-live-dot { background: #d79338; }

.ins-den .ins-carc-tabs {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 7px;
  margin: 14px 0 16px;
}
.ins-den .ins-carc {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  text-align: left;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 9px 11px;
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.15s, background 0.2s;
}
.ins-den .ins-carc b {
  font-size: 12px;
  letter-spacing: 0.02em;
  color: var(--ink);
}
.ins-den .ins-carc span {
  font-size: 10.5px;
  color: var(--ink-40);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  max-width: 100%;
}
.ins-den .ins-carc:hover {
  border-color: color-mix(in srgb, var(--ins-blue) 40%, var(--line));
  transform: translateY(-1px);
}
.ins-den .ins-carc:focus-visible {
  outline: 2px solid var(--ins-blue);
  outline-offset: 2px;
}
.ins-den .ins-carc.is-on {
  border-color: var(--ins-deep);
  background: var(--ins-wash);
  box-shadow: 0 10px 26px -16px color-mix(in srgb, var(--ins-deep) 60%, transparent);
}
.ins-den .ins-carc.is-on b { color: var(--ins-deep); }

.ins-den .ins-carc-panes { position: relative; }
.ins-den .ins-den-pane { display: none; }
.ins-den .ins-den-pane.on { display: block; }
/* animate the active pane in when JS is driving the switch */
.ins-den .ins--js .ins-den-pane.on {
  animation: ins-in 0.4s cubic-bezier(0.2, 0.8, 0.2, 1) both;
}
.ins-den .ins-den-reason {
  font-size: 13.5px;
  line-height: 1.55;
  color: var(--ink-70);
  margin: 0 0 14px;
}

/* the resolving rung is the hero of the ladder */
.ins-den .ins-rung { grid-template-columns: 62px minmax(0, 1fr) auto; }
.ins-den .ins-rung-flag {
  font-size: 12px;
  font-weight: 700;
  color: var(--mint);
}
.ins-den .ins-rung.is-resolve {
  border-color: color-mix(in srgb, var(--mint) 55%, var(--line));
  box-shadow: 0 12px 30px -18px color-mix(in srgb, var(--mint) 70%, transparent);
}
.ins-den .ins-rung.is-resolve .ins-rung-tier {
  background: var(--mint);
  border-color: var(--mint);
  color: #fff;
}

/* the evidence row */
.ins-den .ins-evidence {
  display: flex;
  align-items: baseline;
  gap: 10px;
  margin-top: 15px;
  padding: 11px 13px;
  border: 1px dashed color-mix(in srgb, var(--ins-blue) 32%, var(--line));
  border-radius: 12px;
  background: color-mix(in srgb, var(--ins-blue) 4%, transparent);
}
.ins-den .ins-evidence-k {
  flex: none;
  font-family: var(--mono);
  font-size: 9.5px;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--ink-40);
}
.ins-den .ins-evidence-v {
  font-size: 13px;
  color: var(--ink-70);
}
.ins-den .ins-recovered { margin-top: 13px; }

/* ── clickable billing roster ───────────────────────────────── */
.ins-team .ins-roster li {
  cursor: pointer;
  border-radius: 10px;
  transition: opacity 0.35s ease, background 0.2s ease;
}
.ins-team .ins-roster li:hover {
  opacity: 1;
  background: color-mix(in srgb, var(--ins-blue) 5%, transparent);
}
.ins-team .ins-roster li:focus-visible {
  outline: 2px solid var(--ins-blue);
  outline-offset: 2px;
}

/* ────────────────────────────────────────────────────────────
   Responsive
   ──────────────────────────────────────────────────────────── */
@media (max-width: 960px) {
  .ins .ins-sec-grid,
  .ins .ins-sec-grid--flip,
  .ins-hero .ins-hero-grid {
    grid-template-columns: 1fr;
    gap: 44px;
  }
  .ins .ins-sec-grid--flip .ins-stagecol { order: 0; }
  .ins .ins-copy .lead,
  .ins .ins-points span { max-width: none; }
}
@media (max-width: 560px) {
  .ins-hero .ins-step { grid-template-columns: 14px minmax(0, 1fr) auto; }
  .ins-hero .ins-step-code { display: none; }
  .ins-elig .ins-erow { grid-template-columns: 1fr; }
  .ins-elig .ins-ebar { grid-column: 1; }
  .ins-claim .ins-pwk { grid-template-columns: 64px minmax(0, 1fr) auto; }
  .ins-team .ins-roster li { grid-template-columns: 22px minmax(0, 1fr); }
  .ins-team .ins-ag-task { grid-column: 2; }
  /* CARC tabs stack two-up on narrow screens */
  .ins-den .ins-carc-tabs { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  /* cursor tilt is pointer-only; drop the 3D transform on touch widths */
  .ins .ins-stage[data-tilt] { transform: none !important; }
}

/* ── phone hardening — the same fixes as the 560px pass, widened to the
   700px phone threshold so larger phones (561-700px) get them too;
   desktop/tablet (>700px) is untouched. ── */
@media (max-width: 700px) {
  .ins-hero .ins-step { grid-template-columns: 14px minmax(0, 1fr) auto; }
  .ins-hero .ins-step-code { display: none; }
  .ins-elig .ins-erow { grid-template-columns: 1fr; }
  .ins-elig .ins-ebar { grid-column: 1; }
  .ins-claim .ins-pwk { grid-template-columns: 64px minmax(0, 1fr) auto; }
  .ins-team .ins-roster li { grid-template-columns: 22px minmax(0, 1fr); }
  .ins-team .ins-ag-task { grid-column: 2; }
  .ins-den .ins-carc-tabs { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .ins .ins-stage[data-tilt] { transform: none !important; }
}

/* ────────────────────────────────────────────────────────────
   Reduced motion: everything static, all content visible
   ──────────────────────────────────────────────────────────── */
@media (prefers-reduced-motion: reduce), (max-width: 700px) {
  .ins *,
  .ins *::before,
  .ins *::after {
    animation: none !important;
    transition: none !important;
  }
  .ins .ins--js .ins-r {
    opacity: 1;
    transform: none;
  }
  .ins-hero .ins--js .ins-step { opacity: 1; }
  .ins-hero .ins--js .ins-flow-paid { opacity: 1; transform: none; }
  .ins-team .ins--js .ins-roster li { opacity: 1; }
  /* interactive stages: no tilt, all panes/rows visible where the driver
     would otherwise gate them (drivers themselves bail under reduced motion) */
  .ins .ins-stage[data-tilt] { transform: none !important; }
  .ins-den .ins--js .ins-den-pane.on { animation: none; }
  /* the benefits bar and pipeline-paid badge are gated purely by a width/
     opacity base-state (not just a transition) — force the finished value */
  .ins-elig .ins--js .ins-ebar i { width: var(--w, 60%) !important; }
  .ins-hero .ins--js .ins-flow-paid { opacity: 1 !important; transform: none !important; }
}

/* ────────────────────────────────────────────────────────────
   EOB / ERA POSTING (.ins-eob) — a photographed paper EOB is
   read and its remittance lines post to the ledger one by one.
   Reveal + reduced-motion are handled by the shared .ins-r rules.
   ──────────────────────────────────────────────────────────── */
.ins-eob { background: transparent; }

/* source chip — the paper EOB captured by phone */
.ins-eob .ins-eob-src {
  display: grid;
  grid-template-columns: 40px minmax(0, 1fr) auto;
  align-items: center;
  gap: 12px;
  margin: 12px 0;
  padding: 11px 13px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--ins-wash);
}
.ins-eob .ins-eob-cam {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 11px;
  background: #fff;
  border: 1px solid color-mix(in srgb, var(--ins-blue) 22%, #fff);
  color: var(--ins-deep);
}
.ins-eob .ins-eob-cam svg { width: 22px; height: 22px; }
.ins-eob .ins-eob-src-tx { min-width: 0; }
.ins-eob .ins-eob-src-tx b { display: block; font-size: 13.5px; font-weight: 600; color: var(--ink); }
.ins-eob .ins-eob-src-tx i { display: block; font-style: normal; font-size: 12px; color: var(--ink-60); margin-top: 1px; }
.ins-eob .ins-eob-ocr {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.05em;
  color: var(--mint);
  background: color-mix(in srgb, var(--mint) 12%, #fff);
  border: 1px solid color-mix(in srgb, var(--mint) 30%, #fff);
  border-radius: var(--r-pill);
  padding: 3px 9px;
  white-space: nowrap;
}

/* remittance lines posting to the ledger */
.ins-eob .ins-eob-lines {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.ins-eob .ins-eob-line {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto auto;
  align-items: center;
  gap: 12px;
  padding: 9px 13px;
  border: 1px solid var(--line);
  border-radius: 13px;
  background: #fff;
}
.ins-eob .ins-eob-claim { min-width: 0; display: flex; flex-direction: column; }
.ins-eob .ins-eob-claim b { font-size: 13px; font-weight: 600; color: var(--ink); font-family: var(--mono); }
.ins-eob .ins-eob-claim i { font-style: normal; font-size: 11.5px; color: var(--ink-60); }
.ins-eob .ins-eob-nums { display: inline-flex; align-items: center; gap: 7px; font-family: var(--mono); font-size: 12.5px; }
.ins-eob .ins-eob-allow { color: var(--ink-40); text-decoration: line-through; }
.ins-eob .ins-eob-arrow { color: var(--ins-lite); }
.ins-eob .ins-eob-paid { color: var(--ins-deep); font-weight: 600; }
.ins-eob .ins-eob-note { font-size: 11px; font-weight: 600; letter-spacing: 0.02em; color: var(--mint); white-space: nowrap; }
.ins-eob .ins-eob-line--warn { border-color: color-mix(in srgb, #d79338 34%, #fff); }
.ins-eob .ins-eob-line--warn .ins-eob-note,
.ins-eob .ins-eob-line--warn .ins-eob-paid { color: #c07d22; }

/* posted / reconciled chip — same look as the claim scrub chip */
.ins-eob .ins-scrub {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ins-deep);
  background: #fff;
  border: 1px dashed color-mix(in srgb, var(--ins-blue) 38%, #fff);
  border-radius: var(--r-pill);
  padding: 7px 13px;
}
.ins-eob .ins-scrub-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--mint); }

@media (max-width: 560px) {
  .ins-eob .ins-eob-line { grid-template-columns: minmax(0, 1fr) auto; }
  .ins-eob .ins-eob-note { grid-column: 2; text-align: right; }
}