/* ── Homepage extra styles (on top of nli.css) ─── */
.hp-hero{background:var(--white);padding:72px 24px 0;max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:56px;align-items:center}
@media(max-width:960px){.hp-hero{grid-template-columns:1fr;padding-bottom:40px;gap:36px}}
.hp-hero-tag{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:22px}
.hp-hero-dot{width:6px;height:6px;border-radius:50%;background:var(--red);flex-shrink:0}
.hp-h1{font-family:var(--font-head);font-size:clamp(34px,5.5vw,60px);font-weight:700;line-height:1.1;letter-spacing:-.03em;color:var(--ink);margin-bottom:22px}
.hp-h1 .red{color:var(--red);font-style:italic}
.hp-h1 .outline{-webkit-text-stroke:2px var(--ink);color:transparent}
.hp-desc{font-size:17px;color:var(--ink-s);line-height:1.75;max-width:480px;margin-bottom:34px}
.hp-actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hp-cta-p{display:inline-flex;align-items:center;gap:8px;background:var(--red);color:#fff!important;font-size:15px;font-weight:700;padding:14px 26px;border-radius:10px;text-decoration:none;transition:background .2s,transform .15s,box-shadow .2s;letter-spacing:.02em}
.hp-cta-p:hover{background:var(--red-d);transform:translateY(-2px);box-shadow:0 8px 24px rgba(192,57,43,.28)}
.hp-cta-s{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--ink-m)!important;text-decoration:none;padding:14px 18px;border:2px solid var(--border);border-radius:10px;transition:border-color .2s,color .2s}
.hp-cta-s:hover{border-color:var(--red);color:var(--red)!important}
.hp-hero-stats{display:flex;gap:24px;margin-top:36px;padding-top:28px;border-top:1px solid var(--border);flex-wrap:wrap}
.hp-stat-num{font-family:var(--font-head);font-size:24px;font-weight:700;color:var(--ink);line-height:1}
.hp-stat-lbl{font-size:11px;color:var(--ink-s);margin-top:2px;font-weight:500}
/* Mini calc card */
.hp-calc{background:var(--ink);border-radius:20px;padding:30px 26px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.hp-calc::before{content:'';position:absolute;top:-80px;right:-80px;width:220px;height:220px;background:radial-gradient(circle,rgba(192,57,43,.22) 0%,transparent 70%);border-radius:50%}
.hp-calc::after{content:'';position:absolute;bottom:-60px;left:-60px;width:160px;height:160px;background:radial-gradient(circle,rgba(255,255,255,.04) 0%,transparent 70%);border-radius:50%}
.hp-calc-lbl{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:14px;position:relative;z-index:1}
.hp-calc-title{font-family:var(--font-head);font-size:19px;font-weight:700;color:#fff;margin-bottom:20px;line-height:1.3;position:relative;z-index:1}
.hp-calc-title span{color:var(--red-l);font-style:italic}
.hp-sr{margin-bottom:16px;position:relative;z-index:1}
.hp-sr-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:7px}
.hp-sr-lbl{font-size:12px;font-weight:600;color:rgba(255,255,255,.5)}
.hp-sr-val{font-family:var(--font-head);font-size:15px;font-weight:700;color:#fff}
input.hp-range{width:100%;-webkit-appearance:none;appearance:none;height:3px;border-radius:2px;background:rgba(255,255,255,.15);outline:none;cursor:pointer}
input.hp-range::-webkit-slider-thumb{-webkit-appearance:none;width:17px;height:17px;border-radius:50%;background:var(--red-l);border:2px solid #fff;cursor:pointer;box-shadow:0 2px 8px rgba(231,76,60,.4);transition:transform .15s}
input.hp-range::-webkit-slider-thumb:hover{transform:scale(1.2)}
.hp-type-sel{width:100%;padding:9px 12px;margin-bottom:16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:8px;color:#fff;font-family:var(--font-body);font-size:13px;outline:none;cursor:pointer;appearance:none;position:relative;z-index:1}
.hp-type-sel option{background:var(--ink)}
.hp-calc-result{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:14px 16px;margin-bottom:14px;position:relative;z-index:1;min-height:72px}
.hp-res-lbl{font-size:10px;color:rgba(255,255,255,.35);margin-bottom:5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.hp-res-range{font-family:var(--font-head);font-size:20px;font-weight:700;color:#fff;line-height:1.2}
.hp-res-sub{font-size:11px;color:rgba(255,255,255,.35);margin-top:4px}
.hp-calc-go{display:block;width:100%;padding:12px;background:var(--red);color:#fff!important;font-family:var(--font-body);font-size:14px;font-weight:700;text-align:center;text-decoration:none;border-radius:9px;transition:background .2s;position:relative;z-index:1}
.hp-calc-go:hover{background:var(--red-d)}
.hp-calc-note{font-size:10px;color:rgba(255,255,255,.25);text-align:center;margin-top:9px;line-height:1.5;position:relative;z-index:1}
/* Red band */
.hp-band{background:var(--red);padding:18px 24px;border-top:1px solid var(--border)}
.hp-band-inner{max-width:var(--max);margin:0 auto;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.hp-band-txt{font-family:var(--font-head);font-size:17px;font-weight:600;color:#fff;font-style:italic}
.hp-band-cos{display:flex;flex-wrap:wrap;gap:8px}
.hp-band-co{font-size:11px;font-weight:600;color:rgba(255,255,255,.7);background:rgba(255,255,255,.12);padding:4px 10px;border-radius:4px}
/* How it works */
.hp-how{max-width:var(--max);margin:0 auto;padding:64px 24px 56px}
.hp-how-hd{text-align:center;margin-bottom:44px}
.hp-sec-lbl{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:10px}
.hp-sec-title{font-family:var(--font-head);font-size:clamp(22px,3.5vw,32px);font-weight:700;color:var(--ink);letter-spacing:-.02em}
.hp-steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--border);border-radius:var(--radius);overflow:hidden;border:1px solid var(--border)}
@media(max-width:700px){.hp-steps-grid{grid-template-columns:1fr}}
.hp-step-cell{background:var(--white);padding:32px 26px}
.hp-step-n{font-family:var(--font-head);font-size:52px;font-weight:700;color:var(--red-bg);line-height:1;margin-bottom:14px;letter-spacing:-.04em;-webkit-text-stroke:1px var(--border)}
.hp-step-icon{width:42px;height:42px;background:var(--red-bg);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:14px}
.hp-step-title{font-family:var(--font-head);font-size:17px;font-weight:700;color:var(--ink);margin-bottom:9px}
.hp-step-desc{font-size:13.5px;color:var(--ink-s);line-height:1.65}
.hp-step-lnk{display:inline-flex;align-items:center;gap:5px;font-size:13px;font-weight:700;color:var(--red);margin-top:12px;text-decoration:none}
.hp-step-lnk::after{content:'→';transition:transform .2s}
.hp-step-cell:hover .hp-step-lnk::after{transform:translateX(4px)}
/* All 14 insurers */
.hp-cos{background:var(--off);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:48px 24px}
.hp-cos-inner{max-width:var(--max);margin:0 auto}
.hp-cos-hd{text-align:center;margin-bottom:28px}
.hp-co-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:10px}
.hp-co-card{background:var(--white);border:1px solid var(--border);border-radius:9px;padding:14px 16px;display:flex;align-items:center;gap:11px;transition:border-color .2s,box-shadow .2s,transform .15s;text-decoration:none}
.hp-co-card:hover{border-color:var(--red);box-shadow:var(--shadow-sm);transform:translateY(-2px)}
.hp-co-badge{width:38px;height:38px;border-radius:8px;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-size:11px;font-weight:700}
.hp-co-name{font-size:12.5px;font-weight:600;color:var(--ink);line-height:1.3}
.hp-co-claim{font-size:11px;color:var(--ink-s);margin-top:2px}
.hp-co-claim strong{color:var(--green)}
.hp-co-type{font-size:9px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-xs);margin-top:2px}
/* Why trust */
.hp-trust{max-width:var(--max);margin:0 auto;padding:64px 24px;display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media(max-width:860px){.hp-trust{grid-template-columns:1fr;gap:36px}}
.hp-trust-tag{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:12px}
.hp-trust-h2{font-family:var(--font-head);font-size:clamp(22px,3.5vw,32px);font-weight:700;color:var(--ink);letter-spacing:-.02em;margin-bottom:16px;line-height:1.2}
.hp-trust-p{font-size:15px;color:var(--ink-s);line-height:1.75;margin-bottom:26px}
.hp-trust-pts{display:flex;flex-direction:column;gap:14px}
.hp-trust-pt{display:flex;gap:13px;align-items:flex-start}
.hp-trust-pt-icon{width:34px;height:34px;background:var(--red-bg);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;margin-top:2px}
.hp-trust-pt-text h4{font-size:14px;font-weight:700;color:var(--ink);margin-bottom:2px}
.hp-trust-pt-text p{font-size:13px;color:var(--ink-s);line-height:1.55}
.hp-stat-blk{background:var(--ink);border-radius:14px;padding:32px 28px;margin-bottom:14px}
.hp-stat-blk-lbl{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:18px}
.hp-stat-row{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.hp-sn{font-family:var(--font-head);font-size:34px;font-weight:700;color:#fff;line-height:1;margin-bottom:4px}
.hp-sn span{color:var(--red-l)}
.hp-sl{font-size:12px;color:rgba(255,255,255,.4);line-height:1.4}
.hp-nia-badge{background:var(--off);border:1px solid var(--border);border-radius:11px;padding:16px 18px;display:flex;gap:12px;align-items:center}
.hp-nia-icon{font-size:26px;flex-shrink:0}
.hp-nia-text h4{font-size:13px;font-weight:700;color:var(--ink);margin-bottom:2px}
.hp-nia-text p{font-size:12px;color:var(--ink-s);line-height:1.5}
/* Articles */
.hp-arts{background:var(--off);border-top:1px solid var(--border);padding:56px 24px}
.hp-arts-inner{max-width:var(--max);margin:0 auto}
.hp-arts-hd{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:28px;flex-wrap:wrap;gap:10px}
.hp-arts-title{font-family:var(--font-head);font-size:24px;font-weight:700;color:var(--ink)}
.hp-arts-all{font-size:13px;font-weight:700;color:var(--red);text-decoration:none;display:flex;align-items:center;gap:4px}
.hp-arts-all::after{content:'→';transition:transform .2s}
.hp-arts-all:hover::after{transform:translateX(4px)}
.hp-art-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:18px}
.hp-art-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s;text-decoration:none}
.hp-art-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.hp-art-img{width:100%;aspect-ratio:16/7;object-fit:cover;background:var(--off);display:block}
.hp-art-placeholder{width:100%;aspect-ratio:16/7;background:linear-gradient(135deg,var(--off) 0%,var(--border) 100%);display:flex;align-items:center;justify-content:center;font-size:32px;opacity:.4}
.hp-art-body{padding:18px 20px;flex:1;display:flex;flex-direction:column;gap:7px}
.hp-art-cat{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--red)}
.hp-art-title{font-family:var(--font-head);font-size:16px;font-weight:600;color:var(--ink);line-height:1.35;flex:1}
.hp-art-meta{font-size:11px;color:var(--ink-xs)}
/* Bottom CTA */
.hp-cta-band{background:var(--red);padding:60px 24px;text-align:center;position:relative;overflow:hidden}
.hp-cta-band::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(45deg,rgba(255,255,255,.03) 0px,rgba(255,255,255,.03) 1px,transparent 1px,transparent 20px)}
.hp-cta-inner{position:relative;z-index:1;max-width:620px;margin:0 auto}
.hp-cta-h2{font-family:var(--font-head);font-size:clamp(24px,4vw,38px);font-weight:700;color:#fff;margin-bottom:12px;line-height:1.2}
.hp-cta-h2 em{font-style:italic;opacity:.75}
.hp-cta-p{font-size:16px;color:rgba(255,255,255,.72);margin-bottom:30px;line-height:1.7}
.hp-cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.hp-cta-w{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--red)!important;font-weight:700;font-size:15px;padding:14px 26px;border-radius:10px;text-decoration:none;transition:background .2s,transform .15s}
.hp-cta-w:hover{background:var(--off);transform:translateY(-1px)}
.hp-cta-o{display:inline-flex;align-items:center;gap:8px;background:transparent;color:#fff!important;font-weight:600;font-size:15px;padding:14px 26px;border-radius:10px;border:2px solid rgba(255,255,255,.4);text-decoration:none;transition:border-color .2s}
.hp-cta-o:hover{border-color:#fff}
/* Animations */
@keyframes hp-up{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
.hp-hero-tag{animation:hp-up .45s .05s ease both}
.hp-h1{animation:hp-up .45s .12s ease both}
.hp-desc{animation:hp-up .45s .20s ease both}
.hp-actions{animation:hp-up .45s .28s ease both}
.hp-hero-stats{animation:hp-up .45s .36s ease both}
.hp-calc{animation:hp-up .45s .15s ease both}