.nli-hub-hero{background:var(--nli-hero);padding:56px 20px;text-align:center}
.nli-hub-inner{max-width:760px;margin:0 auto}
.nli-hub-inner h1{margin:0 0 12px;font-family:var(--font-head);font-size:clamp(1.6rem,4vw,2.4rem);color:#fff;line-height:1.2}
.nli-hub-inner p{margin:0;font-size:1.05rem;color:rgba(255,255,255,.88);line-height:1.6}
.nli-hub-intro{background:#fff;border-bottom:1px solid var(--border,#F1F3F5);padding:36px 20px}
.nli-hub-intro-inner{max-width:760px;margin:0 auto;font-size:1rem;line-height:1.75;color:var(--ink,#1F2937)}
.nli-hub-wrap{max-width:1200px;margin:40px auto;padding:0 20px}
.nli-hub-disclaimer{max-width:1200px;margin:12px auto 0;padding:0 20px;font-size:.8rem;color:var(--ink-xs,#6B7280);line-height:1.5}
.nli-hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.nli-hub-card{display:block;border:1px solid var(--border);border-radius:12px;padding:24px;text-decoration:none;color:inherit;transition:all .2s ease;background:var(--white)}
.nli-hub-card:hover{transform:translateY(-4px);border-color:var(--red);box-shadow:0 10px 30px rgba(0,0,0,.05)}
.nli-hub-badge{display:inline-block;padding:4px 12px;border-radius:20px;font-weight:700;font-size:12px;margin-bottom:16px}
.nli-hub-info h3{margin:0 0 10px;font-family:var(--font-head);font-size:18px;color:var(--ink)}
.nli-hub-stats{display:flex;gap:15px;font-size:13px;color:var(--ink-m);margin-bottom:15px}
.nli-hub-star-wrap{color:#D4AC0D;letter-spacing:1px}
.nli-hub-rev-cnt{font-size:11px;color:var(--ink-xs,#6B7280);font-weight:400;letter-spacing:0}
.nli-hub-link{font-weight:600;font-size:14px;color:var(--red)}
@media(max-width:768px){.nli-hub-grid{grid-template-columns:1fr}}

/* ── Policyholder reviews ── */
.nit-reviews-hub{background:#fff;border-top:1px solid var(--border,#F1F3F5);padding:56px 20px}
.nit-reviews-inner{max-width:1200px;margin:0 auto}
.nit-reviews-header{margin-bottom:28px}
.nit-reviews-header h2{margin:0 0 8px;font-family:var(--font-head);font-size:1.5rem;color:var(--ink,#1F2937)}
.nit-reviews-header p{margin:0;color:var(--ink-m,#4B5563);font-size:.95rem}
/* Company selector pills */
.nit-co-tabs{display:flex;flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;gap:8px;margin-bottom:28px;padding-bottom:4px}
.nit-co-tabs::-webkit-scrollbar{display:none}
.nit-co-tab{background:#fff;border:1px solid var(--border,#F1F3F5);border-radius:20px;padding:6px 14px;font-size:13px;font-weight:600;cursor:pointer;color:var(--ink,#1F2937);transition:all .15s;white-space:nowrap;flex-shrink:0}
.nit-co-tab:hover,.nit-co-tab.active{border-color:var(--red,#C0392B);color:var(--red,#C0392B)}
.nit-co-tab.active{background:var(--red-bg)}
.nit-tab-cnt{font-weight:400;font-size:11px;color:var(--ink-xs,#6B7280)}
/* Panel header */
.nit-co-panel-hdr{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;flex-wrap:wrap;gap:12px}
.nit-co-panel-name{font-family:var(--font-head);font-size:1.05rem;font-weight:700;color:var(--ink,#1F2937);margin-right:8px}
.nit-co-panel-meta{font-size:.875rem;color:var(--ink-xs,#6B7280)}
.nit-write-btn{background:var(--red,#C0392B);color:#fff;border:none;border-radius:8px;padding:8px 16px;font-size:.875rem;font-weight:600;cursor:pointer;transition:background .15s}
.nit-write-btn:hover{background:#A93226}
/* Review cards */
.nit-review-list{display:flex;flex-direction:column;gap:12px;margin-bottom:24px}
.nit-review-card{background:#FAFAFA;border:1px solid var(--border,#F1F3F5);border-radius:10px;padding:18px 20px}
.nit-review-meta{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:8px}
.nit-reviewer-name{font-weight:600;font-size:.9rem;color:var(--ink,#1F2937)}
.nit-stars-display{color:#D4AC0D;letter-spacing:1px;font-size:1rem}
.nit-verified-badge{background:var(--navy-bg);color:var(--navy);border-radius:12px;padding:2px 9px;font-size:11px;font-weight:600;letter-spacing:.02em}
.nit-recommend-badge{background:var(--green-bg);color:#065F46;border-radius:12px;padding:2px 10px;font-size:12px;font-weight:500}
.nit-csr-badge{display:inline-block;font-size:12px;font-weight:700;border-radius:8px;padding:2px 9px;margin-left:8px}
.nit-csr-badge--green{background:var(--green-bg);color:#065F46}
.nit-csr-badge--amber{background:var(--gold-bg);color:#92400E}
.nit-csr-badge--red{background:var(--red-bg);color:#991B1B}
.nit-review-text{margin:0;font-size:.9rem;color:var(--ink-m,#4B5563);line-height:1.65;font-style:italic}
.nit-no-reviews{color:var(--ink-xs,#6B7280);font-size:.9rem;font-style:italic;margin:12px 0 24px}
/* Star picker */
.nit-stars-input{display:flex;gap:4px}
.nit-star-btn{background:none;border:none;font-size:1.75rem;cursor:pointer;color:#D4D4D4;transition:color .1s;padding:0;line-height:1}
.nit-star-btn.lit{color:#D4AC0D}
/* Recommend toggle */
.nit-rec-toggle{display:flex;gap:8px}
.nit-rec-yes,.nit-rec-no{border:1px solid var(--border,#F1F3F5);border-radius:8px;padding:6px 16px;font-size:.875rem;font-weight:600;cursor:pointer;background:#fff;transition:all .15s}
.nit-rec-yes.active{background:var(--green-bg);border-color:#065F46;color:#065F46}
.nit-rec-no.active{background:var(--red-bg);border-color:#D63638;color:#D63638}
/* Form */
.nit-review-form{background:#F9FAFB;border:1px solid var(--border,#F1F3F5);border-radius:12px;padding:28px;margin-top:24px}
.nit-form-title{margin:0 0 20px;font-family:var(--font-head);font-size:1.15rem;color:var(--ink,#1F2937)}
.nit-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
.nit-form-full{grid-column:1/-1}
.nit-form-field label{display:block;font-size:.875rem;font-weight:600;color:var(--ink,#1F2937);margin-bottom:6px}
.nit-form-field label small{font-weight:400;color:var(--ink-xs,#6B7280)}
.nit-form-field input[type="text"],.nit-form-field textarea{width:100%;border:1px solid var(--border,#F1F3F5);border-radius:8px;padding:10px 12px;font-size:.9rem;color:var(--ink,#1F2937);background:#fff;box-sizing:border-box;font-family:inherit;transition:border-color .15s}
.nit-form-field input:focus,.nit-form-field textarea:focus{border-color:var(--red,#C0392B);outline:none}
.nit-form-actions{display:flex;gap:12px;margin-bottom:12px;flex-wrap:wrap}
.nit-submit-btn{background:var(--red,#C0392B);color:#fff;border:none;border-radius:8px;padding:10px 20px;font-size:.9rem;font-weight:600;cursor:pointer;transition:background .15s}
.nit-submit-btn:hover:not(:disabled){background:#A93226}
.nit-submit-btn:disabled{opacity:.6;cursor:not-allowed}
.nit-cancel-btn{background:#fff;border:1px solid var(--border,#F1F3F5);border-radius:8px;padding:10px 16px;font-size:.9rem;color:var(--ink-m,#4B5563);cursor:pointer}
.nit-privacy-note{background:var(--green-bg);border:1px solid #BBF7D0;border-radius:8px;padding:10px 14px;font-size:.8rem;color:#065F46;margin:0;line-height:1.5}
.nit-form-note{font-size:.8rem;color:var(--ink-xs,#6B7280);margin:0 0 8px}
.nit-form-msg{margin:8px 0 0;font-size:.875rem;font-weight:500}
.nit-msg-success{color:#065F46}
.nit-msg-error{color:#D63638}
@media(max-width:640px){.nit-form-grid{grid-template-columns:1fr}}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
}