:root{font-family:Arial,sans-serif;color:#101f60;background:#f3f7fd;font-synthesis:none;--navy: #101f60;--blue: #086ad8;--muted: #596e8c;--line: #dfe8f3;--shadow: 0 12px 36px #12245a08}*{box-sizing:border-box}body{margin:0;min-width:280px;background:radial-gradient(ellipse at 0 0,#e3f1ff 0,transparent 48%),radial-gradient(ellipse at 100% 0,#eeedff 0,transparent 45%),#f5f8fc}button{font:inherit;cursor:pointer}button:disabled{cursor:wait;opacity:.65}.offline-tools{margin-bottom:24px;padding:16px;border:1px solid var(--line);border-radius:16px;background:#ffffffc9;color:var(--muted);font-size:13px;line-height:1.6}.offline-tools p{margin:0 0 10px}.offline-actions{display:flex;flex-wrap:wrap;gap:10px}.offline-tools .btn{font-size:12px;padding:10px 12px}.offline-status:empty{display:none}.offline-tools .offline-status{margin:10px 0 0}a{color:var(--blue);text-decoration:none}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,[tabindex="-1"]:focus-visible{outline:3px solid #086ad8;outline-offset:5px}svg{flex-shrink:0}.shell{min-height:100vh;display:flex;flex-direction:column}.skip-link{position:absolute;z-index:10;left:16px;top:-100px;padding:12px;background:#fff;border-radius:8px}.skip-link:focus{top:12px}.header{max-width:1240px;width:100%;margin:auto;padding:20px 16px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:18px}.brand{color:var(--navy);display:flex;flex-direction:column;gap:5px}.logo-slot{display:flex;align-items:center;justify-content:center}.logo-slot img{max-width:100%;max-height:100%;object-fit:contain}.kalifa-logo{width:176px;height:35px;justify-content:flex-start}.kalifa-logo .logo-placeholder{font-size:18px;font-weight:800;letter-spacing:-.04em}.brand-caption{font-size:9px;letter-spacing:.13em;color:var(--muted)}.header nav{order:3;width:100%;display:flex;padding:4px;gap:4px;background:#ffffffb8;border:1px solid white;border-radius:30px}.header nav a{flex:1;text-align:center;padding:11px 14px;border-radius:24px;font-size:13px;font-weight:600;color:var(--muted)}.header nav a[aria-current=page]{background:var(--navy);color:#fff}.head-help{display:flex;align-items:center;justify-content:center;gap:7px;border-radius:30px;padding:12px 15px;background:#fff;color:var(--navy);font-size:14px;font-weight:700;min-height:44px}.content{flex:1;width:100%;max-width:1160px;margin:24px auto 52px;padding:0 16px}.hero{margin-bottom:28px}.hero.inner{margin-top:20px}.eyebrow{display:flex;align-items:center;gap:9px;color:var(--blue);font-weight:800;letter-spacing:.075em;font-size:10px}.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.12;letter-spacing:-.045em;max-width:760px;margin:18px 0 17px}.hero p{color:var(--muted);line-height:1.7;max-width:660px;margin:0;font-size:15px}.home-hero{padding:16px 0 18px}.hero-contact{display:inline-flex;align-items:center;gap:9px;margin-top:20px;min-height:44px;font-size:14px;font-weight:700}.section-heading{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;gap:16px}.section-heading h2,.section-title{font-size:22px;letter-spacing:-.03em;margin:0 0 8px}.section-heading p,.section-description{color:var(--muted);font-size:14px;line-height:1.6;margin:0}.section-note{display:none;color:var(--muted);font-size:12px}.product-grid{display:grid;gap:14px;margin-bottom:32px}.product-card,.case,.insurer-card{background:#fff;border:1px solid #e5edf7;box-shadow:var(--shadow);border-radius:22px}.product-card{padding:24px;display:flex;flex-direction:column;color:var(--navy)}.product-top{display:flex;justify-content:space-between;align-items:center;gap:10px}.soft-icon{display:grid;place-items:center;flex-shrink:0;width:49px;height:49px;border-radius:15px;background:#eaf3ff;color:var(--blue)}.badge{background:#f1f5fa;border:1px solid #e5ebf3;border-radius:20px;color:#607088;padding:5px 9px;font-size:10px;white-space:nowrap}.product-card h3{font-size:19px;margin:22px 0 9px;letter-spacing:-.025em}.product-card p{margin:0 0 22px;color:var(--muted);font-size:14px;line-height:1.6}.product-action{display:flex;gap:10px;align-items:center;justify-content:space-between;margin-top:auto;color:var(--blue);font-size:12px;font-weight:700}.coming-soon .product-action{color:#62738a;font-weight:400}a.product-card,.case{transition:transform .15s,box-shadow .15s,border-color .15s}a.product-card:hover,.case:hover{transform:translateY(-3px);border-color:#a9cefa;box-shadow:0 16px 35px #12245a12}.emergency,.panel{background:#fff;border:1px solid #e5edf7;border-radius:22px;padding:20px;box-shadow:var(--shadow);margin-bottom:26px}.emergency-head{display:flex;align-items:center;gap:14px}.emergency h2,.panel h2{font-size:18px;margin:0 0 6px;letter-spacing:-.025em}.emergency p,.panel p{color:var(--muted);font-size:14px;line-height:1.6;margin:0}.emergency .btn{width:100%;margin-top:18px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:12px;border:1px solid transparent;padding:13px 16px;min-height:46px;font-size:14px;font-weight:700;text-align:center}.primary{background:var(--blue);color:#fff;box-shadow:0 7px 18px #086ad81a}.primary:hover{background:#075bb9}.outline{background:#fff;border-color:var(--line);color:#294466}.crumb{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:13px;color:var(--muted);margin-bottom:26px}.crumb a{display:inline-flex;align-items:center;min-height:36px}.back{display:inline-flex;align-items:center;gap:7px;min-height:44px;font-size:14px;font-weight:700}.section-title{margin:32px 0 18px}.case-grid{display:grid;gap:14px;margin-bottom:32px}.case{padding:22px;display:flex;flex-direction:column;align-items:flex-start;gap:16px;color:var(--navy)}.case h3{font-size:18px;margin:0}.case-bottom{display:flex;gap:12px;align-items:center;justify-content:space-between;width:100%;color:var(--blue)}.case-bottom span{color:var(--muted);font-size:13px}.guide{max-width:850px}.panel-heading{display:flex;justify-content:space-between;align-items:center;gap:12px}.panel-heading>span{font-size:12px;color:var(--muted);white-space:nowrap}.progress{display:flex;gap:9px;margin:8px 0 16px}.progress button{display:flex;align-items:center;height:44px;padding:0;border:0;flex:1;background:transparent}.progress button span{width:100%;height:6px;background:#e4ebf4;border-radius:10px}.progress .filled span{background:var(--blue)}.step-heading{display:flex;align-items:center;gap:15px}.step-heading h3{margin:0 0 5px;font-size:21px}.step-list{padding:0;margin:25px 0;list-style:none;display:grid;gap:18px}.step-list li{display:flex;align-items:flex-start;gap:12px;color:#344767;font-size:15px;line-height:1.65}.tick{display:grid;place-items:center;flex-shrink:0;width:25px;height:25px;border-radius:50%;background:#eaf4ff;color:var(--blue)}.step-actions{display:flex;justify-content:flex-end;flex-wrap:wrap;gap:12px}.step-actions .btn{flex:1}.contacts{scroll-margin-top:24px;margin:40px 0 30px}.contact-title{display:flex;align-items:center;gap:10px;color:var(--blue);margin-bottom:9px}.contact-title h2{color:var(--navy);font-size:23px;letter-spacing:-.03em;margin:0}.insurer-grid{display:grid;grid-template-columns:1fr;gap:12px}.insurer-card{padding:20px 14px;display:flex;flex-direction:column;align-items:center;text-align:center;min-width:0}.insurer-logo{width:100%;height:64px;padding:8px;margin-bottom:14px;border:1px dashed #dce5ef;border-radius:12px;background:#f8fafd}.insurer-logo .logo-placeholder{font-family:Arial,sans-serif;font-size:16px;font-weight:600;color:#596a82}.insurer-card h3{font-size:16px;margin:0 0 12px}.phone-label{color:var(--muted);font-size:11px}.insurer-card .phone-number{color:var(--navy);font-size:17px;font-weight:700;font-variant-numeric:tabular-nums;white-space:nowrap;margin:6px 0 18px}.insurer-card .btn{width:100%;margin-top:auto}.notice{display:flex;gap:12px;background:#e7f0fd;border-radius:16px;padding:18px;color:#294466}.notice p{font-size:12px;line-height:1.65;margin:0}footer{width:100%;display:flex;flex-direction:column;gap:10px;max-width:1240px;padding:22px 16px;margin:auto;color:#596e8c;font-size:11px}@media(min-width:380px){.insurer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(min-width:540px){.product-grid,.case-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.product-card{padding:26px}}@media(min-width:700px){.header{padding:24px 30px;flex-wrap:nowrap}.header nav{order:initial;width:auto}.header nav a{flex:initial;padding:11px 20px}.content{padding:0 28px;margin-top:38px;margin-bottom:70px}.home-hero{padding:22px 0 32px}.eyebrow{font-size:12px}.hero p{font-size:16px}.section-note{display:inline}.insurer-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.emergency{display:flex;align-items:center;justify-content:space-between;gap:24px}.emergency,.panel{padding:27px}.emergency .btn{width:auto;margin-top:0;flex-shrink:0}.step-actions .btn{flex:initial}footer{flex-direction:row;justify-content:space-between;padding:24px 30px}}@media(min-width:1024px){.product-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.insurer-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.insurer-card{padding:24px 20px}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{transition:none!important;animation:none!important;scroll-behavior:auto!important}}