/* product-page.css - Shared styles for product comparison pages
   (car, house, contents, renters, landlord, motorcycle, classic car,
    motorhome, caravan, pet, health, life, travel insurance) */

/* HERO */
        .hero { padding: 4rem 2rem 3.5rem; background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 50%, #f0fdf4 100%); position: relative; overflow: hidden; }
        .hero::before { content: ''; position: absolute; top: -50%; right: -20%; width: 600px; height: 600px; border-radius: 50%; background: radial-gradient(circle, rgba(34,197,94,0.08) 0%, transparent 70%); pointer-events: none; }
        .hero-inner { max-width: var(--max-width); margin: 0 auto; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 3rem; align-items: center; }
        .hero-badge { display: inline-flex; align-items: center; gap: 0.5rem; background: #fff; color: var(--primary); padding: 0.4rem 1rem; border-radius: var(--radius-full); font-size: 0.85rem; font-weight: 600; margin-bottom: 1.25rem; border: 1px solid var(--border); }
        .hero-badge::before { content: ''; width: 8px; height: 8px; background: var(--primary-light); border-radius: 50%; }
        .hero h1 { font-size: 3rem; font-weight: 800; line-height: 1.1; margin-bottom: 1rem; letter-spacing: -0.02em; }
        .hero h1 em { font-style: normal; background: linear-gradient(135deg, var(--primary-dark), var(--primary-light)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
        .hero-text > p { font-size: 1.05rem; color: var(--text-secondary); margin-bottom: 1.75rem; max-width: 540px; line-height: 1.7; }
        .hero-actions { display: flex; gap: 1rem; align-items: center; flex-wrap: wrap; }
        .btn { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.85rem 1.75rem; border-radius: var(--radius-full); font-weight: 600; font-size: 0.95rem; text-decoration: none; cursor: pointer; border: none; transition: all 0.2s; font-family: inherit; }
        .btn svg { width: 18px; height: 18px; }
        .btn-primary { background: var(--primary); color: #fff; }
        .btn-primary:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); }
        .btn-outline { border: 1.5px solid var(--border); color: var(--text); background: var(--bg); }
        .btn-outline:hover { border-color: var(--text-secondary); background: var(--bg-light); }
        .btn-white { background: #fff; color: var(--primary); }
        .btn-white:hover { background: var(--primary-bg); transform: translateY(-1px); }
        .btn-lg { padding: 1rem 2rem; font-size: 1rem; }

        /* Hero mini wizard */
        .wizard-card { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 1px solid var(--border); overflow: hidden; }
        .wizard-progress { display: flex; padding: 0; background: var(--bg-light); border-bottom: 1px solid var(--border); }
        .wiz-step-tab { flex: 1; padding: 0.85rem 0.5rem; text-align: center; font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; color: var(--text-secondary); position: relative; transition: all 0.3s; cursor: default; display: flex; align-items: center; justify-content: center; gap: 0.4rem; }
        .wiz-step-tab .step-num { width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--border); display: flex; align-items: center; justify-content: center; font-size: 0.65rem; font-weight: 700; transition: all 0.3s; flex-shrink: 0; }
        .wiz-step-tab.active { color: var(--primary); background: #fff; }
        .wiz-step-tab.active .step-num { border-color: var(--primary); background: var(--primary); color: #fff; }
        .wiz-step-tab.active::after { content: ''; position: absolute; bottom: -1px; left: 0; right: 0; height: 2px; background: var(--primary); }
        .wiz-step-tab.done { color: var(--primary-light); }
        .wiz-step-tab.done .step-num { border-color: var(--primary-light); background: var(--primary-light); color: #fff; }
        .wizard-body { padding: 1.5rem; min-height: 220px; }
        .wiz-panel { display: none; animation: wizFade 0.3s ease; }
        .wiz-panel.active { display: block; }
        @keyframes wizFade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }
        .wiz-panel h4 { font-size: 1rem; font-weight: 700; margin-bottom: 0.25rem; }
        .wiz-panel .wiz-sub { font-size: 0.85rem; color: var(--text-secondary); margin-bottom: 1rem; }
        .cover-pills { display: flex; flex-direction: column; gap: 0.5rem; }
        .cover-pill { display: flex; align-items: center; gap: 0.65rem; padding: 0.75rem 0.85rem; border: 2px solid var(--border); border-radius: 10px; cursor: pointer; transition: all 0.2s; font-size: 0.88rem; font-weight: 500; }
        .cover-pill:hover { border-color: #a7f3d0; background: #fafffe; }
        .cover-pill.selected { border-color: var(--primary); background: var(--primary-bg); }
        .cover-pill .pill-dot { width: 16px; height: 16px; border: 2px solid var(--border); border-radius: 50%; flex-shrink: 0; transition: all 0.2s; position: relative; }
        .cover-pill.selected .pill-dot { border-color: var(--primary); }
        .cover-pill.selected .pill-dot::after { content: ''; position: absolute; top: 2px; left: 2px; width: 8px; height: 8px; background: var(--primary); border-radius: 50%; }
        .cover-pill .pill-price { margin-left: auto; font-size: 0.78rem; color: var(--text-secondary); font-weight: 400; }
        .wiz-select { width: 100%; padding: 0.7rem 0.85rem; border: 1.5px solid var(--border); border-radius: 10px; font-size: 0.9rem; font-family: inherit; color: var(--text); background: #fff; transition: border-color 0.2s; cursor: pointer; }
        .wiz-select:focus { outline: none; border-color: var(--primary-light); }
        .value-display { background: var(--primary-bg); border-radius: 10px; padding: 1rem; text-align: center; margin-bottom: 0.75rem; }
        .value-display .val-amount { font-size: 1.75rem; font-weight: 800; color: var(--primary); letter-spacing: -0.02em; }
        .value-display .val-label { font-size: 0.75rem; color: var(--text-secondary); margin-top: 0.1rem; }
        .wiz-range { width: 100%; accent-color: var(--primary); cursor: pointer; height: 6px; }
        .range-labels { display: flex; justify-content: space-between; font-size: 0.7rem; color: var(--text-secondary); margin-top: 0.35rem; }
        .wizard-nav { display: flex; gap: 0.75rem; padding: 0 1.5rem 1.5rem; align-items: center; }
        .wiz-back { padding: 0.7rem 1.15rem; border-radius: 8px; border: 1.5px solid var(--border); background: #fff; color: var(--text-secondary); font-weight: 600; font-size: 0.88rem; cursor: pointer; font-family: inherit; transition: all 0.2s; display: none; }
        .wiz-back.show { display: inline-flex; }
        .wiz-back:hover { border-color: var(--text-secondary); color: var(--text); }
        .wiz-next { flex: 1; display: flex; align-items: center; justify-content: center; gap: 0.5rem; padding: 0.7rem; border-radius: 8px; background: var(--primary); color: #fff; font-weight: 600; font-size: 0.88rem; border: none; cursor: pointer; font-family: inherit; transition: all 0.2s; opacity: 0.5; pointer-events: none; }
        .wiz-next.active { opacity: 1; pointer-events: auto; }
        .wiz-next.active:hover { background: var(--primary-dark); transform: translateY(-1px); }
        .wiz-next svg { width: 14px; height: 14px; }

        /* SHARED */
        .container { max-width: var(--max-width); margin: 0 auto; padding: 0 2rem; }
        section { padding: 4.5rem 0; }
        .section-header { text-align: center; margin-bottom: 3rem; }
        .section-header h2 { font-size: 2.1rem; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 0.75rem; }
        .section-header p { color: var(--text-secondary); max-width: 640px; margin: 0 auto; font-size: 1.05rem; }
        .section-alt { background: var(--bg-light); }

        /* QUICK STATS BAR */
        .quick-stats { padding: 2.5rem 2rem; border-bottom: 1px solid var(--border); background: #fff; }
        .quick-stats-inner { max-width: var(--max-width); margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; text-align: center; }
        .qs-item .qs-num { font-size: 1.5rem; font-weight: 800; color: var(--primary); }
        .qs-item .qs-label { font-size: 0.85rem; color: var(--text-secondary); margin-top: 0.25rem; }

        /* TABLE OF CONTENTS */
        .toc { background: var(--primary-bg); border: 1px solid #bbf7d0; border-radius: var(--radius-lg); padding: 2rem; margin-bottom: 3rem; }
        .toc h3 { font-size: 1rem; font-weight: 700; margin-bottom: 1rem; }
        .toc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; }
        .toc a { color: var(--text-secondary); text-decoration: none; font-size: 0.9rem; padding: 0.3rem 0; display: flex; align-items: center; gap: 0.5rem; transition: color 0.2s; }
        .toc a:hover { color: var(--primary); }
        .toc a::before { content: '→'; color: var(--primary-light); font-weight: 600; }

        /* TYPES COMPARISON */
        .types-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
        .type-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; position: relative; transition: all 0.25s; }
        .type-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
        .type-card.featured { border-color: var(--primary-light); box-shadow: 0 0 0 1px var(--primary-light); }
        .type-card.featured::after { content: 'Most Popular'; position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--primary); color: #fff; font-size: 0.75rem; font-weight: 600; padding: 0.25rem 1rem; border-radius: var(--radius-full); }
        .type-card h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 0.25rem; }
        .type-card .price-range { font-size: 0.9rem; color: var(--primary); font-weight: 600; margin-bottom: 1rem; }
        .type-card p.desc { font-size: 0.9rem; color: var(--text-secondary); margin-bottom: 1.25rem; line-height: 1.6; }
        .type-features { list-style: none; }
        .type-features li { font-size: 0.85rem; padding: 0.4rem 0; display: flex; align-items: flex-start; gap: 0.5rem; color: var(--text-secondary); border-top: 1px solid var(--border); }
        .type-features li:first-child { border: none; }
        .type-features .check { color: var(--primary-light); font-weight: 700; flex-shrink: 0; }
        .type-features .cross { color: #ef4444; font-weight: 700; flex-shrink: 0; }

        /* PROVIDER TABLE */
        .provider-table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius-lg); }
        table.providers { width: 100%; border-collapse: collapse; font-size: 0.88rem; min-width: 500px; }
        table.providers thead { background: var(--primary-bg); }
        table.providers th { padding: 1rem; text-align: left; font-weight: 600; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--text-secondary); border-bottom: 2px solid var(--border); white-space: nowrap; }
        table.providers td { padding: 1rem; border-bottom: 1px solid var(--border); vertical-align: top; }
        table.providers tbody tr:hover { background: var(--primary-bg); }
        table.providers tbody tr:last-child td { border-bottom: none; }
        .provider-name { font-weight: 700; color: var(--text); white-space: nowrap; }
        .tag { display: inline-block; padding: 0.15rem 0.5rem; border-radius: var(--radius-full); font-size: 0.7rem; font-weight: 600; }
        .tag-green { background: #dcfce7; color: #166434; }
        .tag-blue { background: #dbeafe; color: #1e40af; }
        .tag-amber { background: #fef3c7; color: #92400e; }
        .tag-gray { background: #f3f4f6; color: #6b7280; }
        .rating { display: flex; gap: 2px; }
        .star { color: #fbbf24; }
        .star-empty { color: #d1d5db; }

        /* SPONSORED PROVIDER */
        .sponsored-card { background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 40%, #fff 100%); border: 2px solid var(--primary-light); border-radius: var(--radius-lg); padding: 2.5rem; margin-bottom: 2rem; position: relative; overflow: hidden; transition: all 0.3s; }
        .sponsored-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--primary), var(--primary-light), #34d399); }
        .sponsored-card::after { content: ''; position: absolute; top: -80px; right: -80px; width: 200px; height: 200px; border-radius: 50%; background: radial-gradient(circle, rgba(34,197,94,0.08) 0%, transparent 70%); pointer-events: none; }
        .sponsored-card:hover { box-shadow: 0 12px 40px rgba(22,100,52,0.12), 0 4px 12px rgba(22,100,52,0.08); transform: translateY(-3px); }
        .sponsored-badge { display: inline-flex; align-items: center; gap: 0.4rem; background: var(--primary); color: #fff; font-size: 0.7rem; font-weight: 700; padding: 0.3rem 0.85rem; border-radius: var(--radius-full); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 1.25rem; }
        .sponsored-badge svg { width: 12px; height: 12px; }
        .sponsored-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: center; position: relative; z-index: 1; }
        .sponsored-left h3 { font-size: 1.5rem; font-weight: 800; margin-bottom: 0.35rem; letter-spacing: -0.01em; }
        .sponsored-left .sponsored-tagline { font-size: 1.05rem; color: var(--primary); font-weight: 600; margin-bottom: 0.75rem; }
        .sponsored-left > p { font-size: 0.95rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 1.5rem; }
        .sponsored-highlights { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-bottom: 1.75rem; }
        .sponsored-hl { display: flex; align-items: center; gap: 0.5rem; font-size: 0.88rem; font-weight: 500; color: var(--text); }
        .sponsored-hl .hl-icon { width: 28px; height: 28px; border-radius: 50%; background: #fff; border: 1.5px solid var(--primary-light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 0.8rem; color: var(--primary); }
        .sponsored-right { display: flex; flex-direction: column; gap: 1rem; }
        .sponsored-stat-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0.75rem; }
        .sponsored-stat { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1rem; text-align: center; }
        .sponsored-stat .ss-num { font-size: 1.35rem; font-weight: 800; color: var(--primary); }
        .sponsored-stat .ss-label { font-size: 0.75rem; color: var(--text-secondary); margin-top: 0.15rem; }
        .sponsored-quote { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
        .sponsored-quote-text { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.5; }
        .sponsored-quote-text strong { color: var(--text); display: block; font-size: 1rem; margin-bottom: 0.1rem; }
        .sponsored-cta { display: inline-flex; align-items: center; gap: 0.5rem; background: var(--primary); color: #fff; padding: 0.85rem 2rem; border-radius: var(--radius-full); font-weight: 700; font-size: 0.95rem; text-decoration: none; transition: all 0.25s; white-space: nowrap; flex-shrink: 0; }
        .sponsored-cta:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); }
        .sponsored-cta svg { width: 18px; height: 18px; }
        .sponsored-trust { display: flex; align-items: center; gap: 1.5rem; font-size: 0.8rem; color: var(--text-secondary); }
        .sponsored-trust span { display: flex; align-items: center; gap: 0.35rem; }
        @media (max-width: 900px) {
            .sponsored-inner { grid-template-columns: 1fr; gap: 1.5rem; }
            .sponsored-stat-row { grid-template-columns: repeat(3, 1fr); }
        }
        @media (max-width: 480px) {
            .sponsored-highlights { grid-template-columns: 1fr; }
            .sponsored-stat-row { grid-template-columns: 1fr; }
            .sponsored-quote { flex-direction: column; text-align: center; }
        }

        /* PROVIDER CARDS */
        .provider-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
        .pcard { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem; transition: all 0.25s; }
        .pcard:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
        .pcard-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 1rem; }
        .pcard-name { font-size: 1.15rem; font-weight: 700; }
        .pcard-group { font-size: 0.8rem; color: var(--text-secondary); }
        .pcard-desc { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.6; margin-bottom: 1.25rem; }
        .pcard-features { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; margin-bottom: 1.25rem; }
        .pcard-feat { font-size: 0.8rem; color: var(--text-secondary); display: flex; align-items: center; gap: 0.35rem; }
        .pcard-feat .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--primary-light); flex-shrink: 0; }
        .pcard-footer { display: flex; justify-content: space-between; align-items: center; padding-top: 1rem; border-top: 1px solid var(--border); gap: 0.5rem; }
        .pcard-price { font-size: 0.85rem; color: var(--text-secondary); }
        .pcard-price strong { color: var(--text); font-size: 1.1rem; }
        .pcard-btns { display: flex; gap: 0.5rem; align-items: center; }
        .btn-review { padding: 0.5rem 1rem; font-size: 0.85rem; border: 1.5px solid var(--border); background: #fff; color: var(--text); border-radius: var(--radius-full); font-weight: 600; text-decoration: none; transition: all 0.2s; display: inline-flex; align-items: center; white-space: nowrap; }
        .btn-review:hover { border-color: var(--text-secondary); background: var(--bg-light); }

        /* COVERAGE TABLE */
        .cover-table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius-lg); }
        table.cover-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
        table.cover-table th { padding: 0.85rem 1rem; text-align: left; font-weight: 600; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--text-secondary); background: var(--primary-bg); border-bottom: 2px solid var(--border); }
        table.cover-table td { padding: 0.85rem 1rem; border-bottom: 1px solid var(--border); }
        table.cover-table tbody tr:last-child td { border-bottom: none; }
        table.cover-table tbody tr:hover { background: #fafafa; }
        .ct-feature { font-weight: 600; color: var(--text); }

        /* FACTORS */
        .factors-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
        .factor-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; transition: all 0.25s; }
        .factor-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
        .factor-icon { width: 48px; height: 48px; border-radius: var(--radius); display: flex; align-items: center; justify-content: center; margin-bottom: 1rem; font-size: 1.5rem; }
        .factor-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
        .factor-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.6; }

        /* COST GUIDE */
        .cost-bars { display: flex; flex-direction: column; gap: 1.25rem; }
        .cost-bar { display: grid; grid-template-columns: 200px 1fr auto; gap: 1.5rem; align-items: center; }
        .cost-bar-label { font-weight: 600; font-size: 0.95rem; }
        .cost-bar-track { height: 32px; background: var(--bg-light); border-radius: var(--radius-full); overflow: hidden; position: relative; border: 1px solid var(--border); }
        .cost-bar-fill { height: 100%; border-radius: var(--radius-full); display: flex; align-items: center; padding: 0 1rem; font-size: 0.75rem; font-weight: 600; color: #fff; }
        .cost-bar-price { font-size: 0.9rem; color: var(--text-secondary); white-space: nowrap; }

        /* TIPS */
        .tips-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
        .tip-card { display: flex; gap: 1rem; padding: 1.5rem; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); transition: all 0.25s; }
        .tip-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
        .tip-num { width: 36px; height: 36px; border-radius: 50%; background: var(--primary-bg); border: 2px solid var(--primary); display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 0.85rem; color: var(--primary); flex-shrink: 0; }
        .tip-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.25rem; }
        .tip-card p { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.5; }

        /* CLAIMS STEPS */
        .claims-steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; position: relative; }
        .claims-steps::before { content: ''; position: absolute; top: 28px; left: 10%; right: 10%; height: 2px; background: var(--border); }
        .claim-step { text-align: center; position: relative; z-index: 1; }
        .claim-step-num { width: 56px; height: 56px; border-radius: 50%; background: var(--primary); color: #fff; display: flex; align-items: center; justify-content: center; margin: 0 auto 1rem; font-weight: 800; font-size: 1.1rem; }
        .claim-step h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 0.3rem; }
        .claim-step p { font-size: 0.8rem; color: var(--text-secondary); line-height: 1.5; }

        /* NZ INFO */
        .nz-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
        .nz-card { padding: 2rem; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); }
        .nz-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 0.75rem; display: flex; align-items: center; gap: 0.5rem; }
        .nz-card p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.7; }

        /* FAQ */
        .faq-list { max-width: 800px; margin: 0 auto; }
        .faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 0.75rem; overflow: hidden; transition: box-shadow 0.25s; }
        .faq-item:hover { box-shadow: var(--shadow-sm); }
        .faq-q { padding: 1.25rem 1.5rem; font-weight: 600; font-size: 0.95rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; background: #fff; }
        .faq-q::after { content: '+'; font-size: 1.25rem; color: var(--text-secondary); transition: transform 0.2s; }
        .faq-item.open .faq-q::after { content: '−'; }
        .faq-a { padding: 0 1.5rem 1.25rem; font-size: 0.9rem; color: var(--text-secondary); line-height: 1.7; display: none; }
        .faq-item.open .faq-a { display: block; }

        /* GLOSSARY */
        .glossary-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
        .glossary-item { padding: 1.25rem; border: 1px solid var(--border); border-radius: var(--radius); }
        .glossary-item dt { font-weight: 700; font-size: 0.95rem; margin-bottom: 0.25rem; }
        .glossary-item dd { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; }

        /* BRANDS GRID */
        .brands-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 0.75rem; }
        .brand-link { display: flex; align-items: center; gap: 0.5rem; padding: 0.6rem 0.75rem; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); text-decoration: none; color: var(--text); font-size: 0.9rem; font-weight: 500; transition: all 0.2s; }
        .brand-link img { width: 28px; height: 28px; object-fit: contain; flex-shrink: 0; }
        .brand-link:hover { border-color: var(--primary-light); background: var(--primary-bg); color: var(--primary); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
        .brand-link .brand-arrow { margin-left: auto; color: var(--text-secondary); font-size: 0.8rem; transition: color 0.2s; }
        .brand-link:hover .brand-arrow { color: var(--primary); }

        /* INTRO / WHAT IS CAR INSURANCE */
        .intro-prose { max-width: 800px; margin: 0 auto; }
        .intro-prose p { font-size: 0.95rem; color: var(--text-secondary); line-height: 1.8; margin-bottom: 1.25rem; }
        .intro-prose p:last-child { margin-bottom: 0; }
        .intro-callout { background: var(--primary-bg); border-left: 4px solid var(--primary); border-radius: 0 var(--radius) var(--radius) 0; padding: 1.25rem 1.5rem; margin: 1.5rem 0; }
        .intro-callout p { margin-bottom: 0; font-size: 0.9rem; }

        /* CHOOSING GUIDE */
        .choose-scenarios { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-bottom: 2.5rem; }
        .choose-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; }
        .choose-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.75rem; display: flex; align-items: center; gap: 0.5rem; }
        .choose-card ul { list-style: none; padding: 0; }
        .choose-card ul li { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; padding: 0.3rem 0; display: flex; align-items: flex-start; gap: 0.5rem; }
        .choose-card ul li::before { content: '✓'; color: var(--primary-light); font-weight: 700; flex-shrink: 0; }
        .choose-checklist { max-width: 700px; margin: 0 auto; }
        .choose-checklist h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 1.25rem; text-align: center; }
        .choose-checklist ol { padding-left: 1.5rem; }
        .choose-checklist ol li { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 0.75rem; }

        /* EXCLUSIONS */
        .exclusions-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
        .exclusion-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; }
        .exclusion-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; display: flex; align-items: center; gap: 0.5rem; }
        .exclusion-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }

        /* SWITCHING GUIDE */
        .switch-steps { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; margin-bottom: 2.5rem; }
        .switch-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; }
        .switch-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
        .switch-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }
        .switch-num { width: 32px; height: 32px; border-radius: 50%; background: var(--primary); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.85rem; margin-bottom: 0.75rem; }
        .switch-warning { max-width: 700px; margin: 0 auto; background: #fef3c7; border: 1px solid #fde68a; border-radius: var(--radius-lg); padding: 1.5rem; }
        .switch-warning h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
        .switch-warning p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }
        .switch-warning ul { padding-left: 1.25rem; font-size: 0.88rem; color: var(--text-secondary); line-height: 1.8; }

        /* PDS GUIDE */
        .pds-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
        .pds-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 1.75rem; }
        .pds-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
        .pds-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }
        .pds-card ul { padding-left: 1.25rem; font-size: 0.85rem; color: var(--text-secondary); line-height: 1.8; }

        /* DISCLAIMER */
        .disclaimer-section { padding: 2.5rem 0; border-top: 1px solid var(--border); }
        .disclaimer-section p { font-size: 0.8rem; color: var(--text-secondary); line-height: 1.7; max-width: var(--max-width); margin: 0 auto; padding: 0 2rem; }
        .disclaimer-section p strong { color: var(--text); }
        .disclaimer-section p + p { margin-top: 0.75rem; }

        /* CTA */
        .cta-section { background: var(--primary); color: #fff; padding: 5rem 2rem; border-radius: var(--radius-lg); margin: 0 2rem 5rem; max-width: calc(var(--max-width) - 4rem); margin-left: auto; margin-right: auto; }
        .cta-inner { max-width: 600px; margin: 0 auto; text-align: center; }
        .cta-inner h2 { font-size: 2.25rem; font-weight: 800; margin-bottom: 1rem; letter-spacing: -0.02em; }
        .cta-inner p { opacity: 0.85; margin-bottom: 2rem; font-size: 1.05rem; }

        /* UPDATED BADGE */
        .updated { font-size: 0.8rem; color: var(--text-secondary); display: flex; align-items: center; gap: 0.35rem; }
        .updated::before { content: ''; width: 8px; height: 8px; background: var(--primary-light); border-radius: 50%; }

        /* RESPONSIVE */
        @media (max-width: 1024px) {
            .types-grid { grid-template-columns: 1fr; }
            .provider-cards { grid-template-columns: 1fr; }
            .factors-grid { grid-template-columns: repeat(2, 1fr); }
            .claims-steps { grid-template-columns: repeat(3, 1fr); }
            .claims-steps::before { display: none; }
            .choose-scenarios { grid-template-columns: 1fr; }
        }
        @media (max-width: 900px) {
            .hero-inner { grid-template-columns: 1fr; gap: 2rem; }
            .hero h1 { font-size: 2.5rem; }
            .quick-stats-inner { grid-template-columns: repeat(2, 1fr); }
            .nz-cards { grid-template-columns: 1fr; }
            .glossary-grid { grid-template-columns: 1fr; }
            .exclusions-grid { grid-template-columns: 1fr; }
            .switch-steps { grid-template-columns: 1fr; }
            .pds-grid { grid-template-columns: 1fr; }
        }
        @media (max-width: 768px) {
            .hero h1 { font-size: 2rem; }
            .hero { padding: 3rem 1.5rem; }
            .wizard-nav { padding: 0 1rem 1rem; }
            .wiz-step-tab { font-size: 0.65rem; padding: 0.7rem 0.25rem; }
            section { padding: 3.5rem 0; }
            .section-header h2 { font-size: 1.75rem; }
            .types-grid { grid-template-columns: 1fr; }
            .factors-grid { grid-template-columns: 1fr; }
            .tips-grid { grid-template-columns: 1fr; }
            .claims-steps { grid-template-columns: 1fr; gap: 1.5rem; }
            .toc-grid { grid-template-columns: 1fr; }
            .cost-bar { grid-template-columns: 1fr; gap: 0.5rem; }
            .cta-section { margin: 0 1rem 3rem; padding: 3rem 1.5rem; }
        }