/* ==========================================================================
   INSURANCE & FINANCING  ·  /insurance-financing   (.owf-inf)
   ==========================================================================
   A money page, laid out as a financial supplement rather than a brochure:
   ruled ledgers, folio numerals, tabular figures, and two deep-navy slabs
   (the policy read-through and the instalment planner) that break the page
   into chapters the way a printed prospectus does.

   Why this one carries dark bands when embryology-lab-team.css deliberately
   does not: that page is about someone's embryos and warmth was the point.
   This page is about contracts and instalments, where authority reads
   better than reassurance. The light sections still outnumber the dark.

   Vocabulary shared with the rest of the site so it reads as one property:
     · soft radial glow spots that breathe   — .owfhpusp__glow (home.css)
     · blue eyebrow + pulsing red dot        — .owf-cnt2__eyebrow-dot
     · sticky jump rail + folio mastheads    — embryology-lab-team.css
     · full-bleed snap rails                 — .owf-container gutter rule

   The idea specific to this page is the ledger: three tinted columns, red
   through amber to green, that let a patient locate their own line without
   reading a word of prose.

   Rules (see css/core.css header):
     · Full-bleed only — .owf-container owns the 28/14px gutters.
     · Brand tokens only. Blue leads, red accents, no gradients on type.
     · Type: Jost (display) · Open Sans (body) · Nunito (labels).
     · Every section carries content edge to edge — no empty half-screens.

   ⚠ Canvas paints every heading > span with --cnvs-themecolor, so .hl-b /
     .hl-r / .hl-w carry !important, as in every sibling stylesheet.
   ========================================================================== */
.owf-inf {
    --inf-line:   rgba(0, 114, 190, 0.18);
    --inf-line-2: rgba(10, 25, 41, 0.11);
    --inf-line-d: rgba(255, 255, 255, 0.14);
    /* mirrors --owf-hdr-h in core.css, which is scoped to #owf-header and so
       is not readable here. Keep in sync if the header height moves. */
    --inf-hdr-h:  56px;
    --inf-jump-h: 46px;
    /* the ledger's three states. Amber is the only non-brand hue on the
       page and it earns its place: red/green alone cannot say "sometimes". */
    --inf-amber:   #b26b00;
    --inf-amber-t: rgba(178, 107, 0, 0.09);
    --inf-green:   #0f7a48;
    --inf-green-t: rgba(15, 122, 72, 0.08);
    position: relative; display: block;
    color: var(--owf-ink, #0a1929);
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    background: #fff;
    /* every rupee on this page is a figure in a column — line them up */
    font-variant-numeric: tabular-nums;
    -webkit-font-feature-settings: 'tnum' 1;
            font-feature-settings: 'tnum' 1;
}
.owf-inf .hl-b { color: var(--owf-blue, #0072be) !important; }
.owf-inf .hl-r { color: var(--owf-red, #cc2930) !important; }
.owf-inf .hl-w { color: #fff !important; }

/* ==========================================================================
   §1 · HERO
   ========================================================================== */
.owf-inf__hero {
    position: relative; overflow: hidden; isolation: isolate;
    padding: clamp(22px, 2.6vw, 42px) 0 clamp(28px, 3.2vw, 50px);
    background:
        radial-gradient(ellipse at 86% 4%, rgba(0, 114, 190, 0.15), transparent 50%),
        radial-gradient(ellipse at 2% 100%, rgba(204, 41, 48, 0.08), transparent 46%),
        linear-gradient(180deg, #ffffff 0%, #eef5fb 100%);
}
.owf-inf__hero-wm {
    position: absolute; left: -1.2vw; bottom: -5vw; z-index: 0;
    pointer-events: none; user-select: none;
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    font-size: clamp(180px, 22vw, 380px); font-weight: 800;
    line-height: 0.72; letter-spacing: -0.06em; color: var(--owf-blue, #0072be); opacity: 0.055;
}
@media (max-width: 1199px) { .owf-inf__hero-wm { display: none; } }

.owf-inf__fx { position: absolute; inset: 0; z-index: 0; pointer-events: none; overflow: hidden; }
.inf-orb { position: absolute; display: block; border-radius: 50%; }
.inf-orb--1 { top: -140px; right: -70px; width: 340px; height: 340px; background: radial-gradient(circle, rgba(0, 114, 190, 0.16), transparent 70%); animation: inf-f1 19s ease-in-out infinite; }
.inf-orb--2 { bottom: -120px; left: 26%; width: 270px; height: 270px; background: radial-gradient(circle, rgba(204, 41, 48, 0.09), transparent 70%); animation: inf-f2 24s ease-in-out infinite; }
@keyframes inf-f1 { 0%, 100% { transform: translate3d(0, 0, 0) scale(1); } 50% { transform: translate3d(-28px, 24px, 0) scale(1.08); } }
@keyframes inf-f2 { 0%, 100% { transform: translate3d(0, 0, 0) scale(1); } 50% { transform: translate3d(26px, -20px, 0) scale(1.1); } }

/* ledger paper: a faint ruled grid, which is the page's whole metaphor */
.inf-grid {
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(0, 114, 190, 0.055) 1px, transparent 1px),
        linear-gradient(90deg, rgba(0, 114, 190, 0.055) 1px, transparent 1px);
    background-size: 46px 46px;
    -webkit-mask-image: radial-gradient(ellipse at 70% 30%, #000 0%, transparent 68%);
            mask-image: radial-gradient(ellipse at 70% 30%, #000 0%, transparent 68%);
}
.inf-sweep { position: absolute; left: 0; right: 0; top: 58%; height: 1px; background: linear-gradient(90deg, transparent, rgba(0, 114, 190, 0.3), transparent); animation: inf-sweep 10s ease-in-out infinite; }
@keyframes inf-sweep { 0%, 100% { transform: translateX(-30%) scaleX(0.5); opacity: 0; } 50% { transform: translateX(30%) scaleX(1); opacity: 1; } }

.owf-inf__hero-in { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, 0.92fr); gap: clamp(24px, 3.4vw, 58px); align-items: center; }
.owf-inf__hero-copy { min-width: 0; }

.owf-inf__crumb { display: flex; align-items: center; flex-wrap: wrap; gap: 7px; margin-bottom: 18px; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11px; font-weight: 700; letter-spacing: 0.06em; color: var(--owf-ink-400, #6b7280); }
.owf-inf__crumb a { color: var(--owf-blue, #0072be); text-decoration: none; transition: color var(--owf-transition, 0.2s ease); }
.owf-inf__crumb a:hover { color: var(--owf-red, #cc2930); }
.owf-inf__crumb i { font-size: 9px; }

.owf-inf__kicker { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.owf-inf__eyebrow { display: inline-flex; align-items: center; gap: 8px; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10.5px; font-weight: 800; letter-spacing: 0.16em; text-transform: uppercase; color: var(--owf-blue, #0072be); white-space: nowrap; }
.owf-inf__dot { width: 6px; height: 6px; border-radius: 50%; background: var(--owf-red, #cc2930); box-shadow: 0 0 0 3px rgba(204, 41, 48, 0.14); animation: inf-pulse 2.6s ease-in-out infinite; }
@keyframes inf-pulse { 0%, 100% { box-shadow: 0 0 0 3px rgba(204, 41, 48, 0.14); } 50% { box-shadow: 0 0 0 7px rgba(204, 41, 48, 0.05); } }
.owf-inf__rule { flex: 1; min-width: 16px; height: 1px; background: linear-gradient(90deg, var(--owf-blue, #0072be), rgba(0, 114, 190, 0.18) 72%, transparent); }
.owf-inf__kicker-c { display: inline-flex; align-items: baseline; gap: 7px; white-space: nowrap; }
.owf-inf__kicker-c b { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 15px; font-weight: 800; color: var(--owf-red, #cc2930); }
.owf-inf__kicker-c em { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; font-style: normal; letter-spacing: 0.12em; text-transform: uppercase; color: var(--owf-ink-400, #6b7280); }

.owf-inf__h1 { margin: 0 0 14px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-weight: 800; font-size: clamp(29px, 2.7vw + 12px, 58px); line-height: 1.05; letter-spacing: -0.04em; color: var(--owf-ink, #0a1929); }
.owf-inf__lead { margin: 0 0 clamp(18px, 2.2vw, 28px); font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(13.5px, 1vw, 16px); line-height: 1.64; color: var(--owf-ink-500, #4b5563); }
.owf-inf__hero-btns { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: clamp(18px, 2.2vw, 28px); }

.owf-inf__hero-stats { display: flex; flex-wrap: wrap; gap: clamp(18px, 2.6vw, 40px); margin: 0; padding: 16px 0 0; list-style: none; border-top: 1px solid var(--inf-line); }
.owf-inf__hero-stats li { display: flex; flex-direction: column; gap: 2px; }
.owf-inf__hs-n { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(24px, 2vw, 34px); font-weight: 800; line-height: 1; letter-spacing: -0.03em; color: var(--owf-blue-700, #004572); }
.owf-inf__hs-s { font-size: 0.56em; font-weight: 700; color: var(--owf-red, #cc2930); }
.owf-inf__hero-stats li > span { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10.5px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: var(--owf-ink-400, #6b7280); }

/* ---- hero quote panel: the page's promise, priced ---- */
.owf-inf__quote {
    position: relative; overflow: hidden; isolation: isolate;
    padding: clamp(20px, 2.2vw, 30px);
    border-radius: var(--owf-radius-lg, 16px);
    background:
        radial-gradient(ellipse at 100% 0%, rgba(0, 114, 190, 0.5), transparent 58%),
        linear-gradient(160deg, #002e4c 0%, #001726 100%);
    border: 1px solid rgba(255, 255, 255, 0.1);
    box-shadow: 0 34px 64px -34px rgba(0, 46, 76, 0.85);
    color: #fff;
}
.owf-inf__quote::after {
    /* the ledger rule, carried into the dark panel */
    content: ''; position: absolute; inset: 0; z-index: -1; opacity: 0.5;
    background-image: linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px);
    background-size: 100% 34px;
}
.owf-inf__quote-top { display: flex; align-items: center; gap: 9px; margin-bottom: 14px; }
.owf-inf__quote-pip { width: 8px; height: 8px; border-radius: 50%; background: #7ee0a8; box-shadow: 0 0 0 3px rgba(126, 224, 168, 0.26); animation: inf-pip 2.4s ease-in-out infinite; }
@keyframes inf-pip { 0%, 100% { box-shadow: 0 0 0 3px rgba(126, 224, 168, 0.26); } 50% { box-shadow: 0 0 0 7px rgba(126, 224, 168, 0.06); } }
.owf-inf__quote-lbl { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10.5px; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255, 255, 255, 0.66); }

.owf-inf__quote-big { display: flex; align-items: baseline; gap: 4px; margin-bottom: 8px; }
.owf-inf__quote-cur { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(20px, 1.6vw, 27px); font-weight: 600; color: rgba(255, 255, 255, 0.6); }
.owf-inf__quote-num { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(40px, 3.4vw, 62px); font-weight: 800; line-height: 0.94; letter-spacing: -0.045em; color: #fff; }
.owf-inf__quote-per { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 12px; font-weight: 800; letter-spacing: 0.04em; color: rgba(255, 255, 255, 0.6); }
.owf-inf__quote-sub { margin: 0 0 16px; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 12.5px; line-height: 1.6; color: rgba(255, 255, 255, 0.74); }
.owf-inf__quote-sub b { color: #7ee0a8; font-weight: 700; }

.owf-inf__quote-rows { margin: 0 0 16px; padding: 14px 0 0; border-top: 1px solid var(--inf-line-d); }
.owf-inf__quote-rows > div { display: flex; align-items: baseline; justify-content: space-between; gap: 14px; padding: 7px 0; border-bottom: 1px dashed rgba(255, 255, 255, 0.1); }
.owf-inf__quote-rows > div:last-child { border-bottom: 0; }
.owf-inf__quote-rows dt { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); }
.owf-inf__quote-rows dd { margin: 0; text-align: right; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 13px; font-weight: 700; letter-spacing: -0.01em; color: #fff; }

.owf-inf__quote-cta { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 13px; font-weight: 700; color: #8fc7ea; transition: gap 0.3s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)), color 0.3s ease; }
.owf-inf__quote-cta:hover { gap: 12px; color: #fff; }
.owf-inf__quote-cta:focus-visible { outline: 3px solid #7ee0a8; outline-offset: 3px; }

/* ==========================================================================
   §2 · ANSWER BLOCK (AEO / GEO / AIO)
   The block answer engines lift. Tinted field, never a card.
   ========================================================================== */
.owf-inf__ans {
    position: relative; overflow: hidden;
    padding: clamp(28px, 3.4vw, 52px) 0;
    background: linear-gradient(180deg, #f1f7fc 0%, #e6f1fa 100%);
    border-top: 1px solid var(--inf-line);
    border-bottom: 1px solid var(--inf-line);
}
.owf-inf__ans-in { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr); gap: clamp(22px, 3vw, 52px); align-items: start; }
.owf-inf__ans-l { position: sticky; top: calc(var(--inf-hdr-h) + 16px); }
.owf-inf__ans-h { margin: 0 0 12px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-weight: 800; font-size: clamp(22px, 1.8vw + 9px, 38px); line-height: 1.1; letter-spacing: -0.035em; color: var(--owf-ink, #0a1929); }
.owf-inf__ans-lead { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(13px, 1vw, 15.5px); line-height: 1.72; color: var(--owf-ink-700, #1f2937); }
.owf-inf__ans-lead b { font-weight: 700; color: var(--owf-blue-700, #004572); }

.owf-inf__ans-list { margin: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 clamp(18px, 2vw, 32px); }
.owf-inf__ans-row { display: flex; flex-direction: column; gap: 3px; padding: 11px 0; border-bottom: 1px solid rgba(0, 114, 190, 0.16); }
.owf-inf__ans-row dt { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.13em; text-transform: uppercase; color: var(--owf-red, #cc2930); }
.owf-inf__ans-row dd { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12px, 0.92vw, 13.8px); line-height: 1.5; color: var(--owf-ink, #0a1929); }

/* ==========================================================================
   §3 · STICKY JUMP RAIL
   ========================================================================== */
.owf-inf__jump {
    position: sticky; top: var(--inf-hdr-h); z-index: 30;
    background: rgba(255, 255, 255, 0.86);
    -webkit-backdrop-filter: blur(14px) saturate(160%); backdrop-filter: blur(14px) saturate(160%);
    border-bottom: 1px solid var(--inf-line-2);
}
.owf-inf__jump-in {
    display: flex; gap: clamp(14px, 2.2vw, 32px);
    overflow-x: auto; scrollbar-width: none; scroll-snap-type: x mandatory;
    /* without these the snap point sits at the scrollport edge and the first
       chip lands flush left, ignoring the .owf-container gutter */
    scroll-padding-left: var(--owf-gutter, 28px); scroll-padding-right: var(--owf-gutter, 28px);
}
.owf-inf__jump-in::-webkit-scrollbar { display: none; }
.owf-inf__jump-a { position: relative; flex: 0 0 auto; scroll-snap-align: start; display: inline-flex; align-items: baseline; gap: 7px; padding: 13px 0; text-decoration: none; white-space: nowrap; }
.owf-inf__jump-n { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 9px; font-weight: 800; letter-spacing: 0.13em; color: var(--owf-ink-300, #9ca3af); transition: color 0.3s ease; }
.owf-inf__jump-a > span:last-child { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(11.5px, 0.85vw, 13.5px); font-weight: 700; letter-spacing: -0.015em; color: var(--owf-ink-500, #4b5563); transition: color 0.3s ease; }
.owf-inf__jump-a::after { content: ''; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px; background: var(--owf-red, #cc2930); transform: scaleX(0); transform-origin: left; transition: transform 0.4s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__jump-a:hover > span:last-child { color: var(--owf-blue, #0072be); }
.owf-inf__jump-a.is-on > span:last-child { color: var(--owf-blue-700, #004572); }
.owf-inf__jump-a.is-on .owf-inf__jump-n { color: var(--owf-red, #cc2930); }
.owf-inf__jump-a.is-on::after { transform: scaleX(1); }
.owf-inf__jump-a:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 2px; }

/* ==========================================================================
   §4 · SHARED MASTHEAD · ICON · BUTTONS · NOTE
   ========================================================================== */
.owf-inf__mast {
    display: grid; grid-template-columns: auto minmax(0, 1fr) auto auto;
    align-items: center; gap: clamp(14px, 1.8vw, 28px);
    margin-bottom: clamp(22px, 2.6vw, 40px);
}
.owf-inf__mast--tight { grid-template-columns: auto minmax(0, 1fr); margin-bottom: clamp(18px, 2vw, 28px); }
.owf-inf__mast-n { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(11px, 0.8vw, 13px); font-weight: 800; letter-spacing: 0.08em; color: var(--owf-red, #cc2930); white-space: nowrap; }
.owf-inf__mast-txt { min-width: 0; }
.owf-inf__mast-t { margin: 0 0 5px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-weight: 800; font-size: clamp(23px, 1.9vw + 9px, 42px); line-height: 1.06; letter-spacing: -0.038em; color: var(--owf-ink, #0a1929); }
.owf-inf__mast-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.92vw, 14.5px); line-height: 1.58; color: var(--owf-ink-500, #4b5563); }
.owf-inf__mast-rule { height: 1px; min-width: 20px; background: linear-gradient(90deg, transparent, var(--inf-line) 40%, var(--owf-blue, #0072be)); }
.owf-inf__mast-tag { display: inline-flex; align-items: center; gap: 7px; padding: 7px 13px; border-radius: 999px; background: rgba(0, 114, 190, 0.08); border: 1px solid rgba(0, 114, 190, 0.16); font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10.5px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: var(--owf-blue-700, #004572); white-space: nowrap; }
.owf-inf__mast-a { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 13px; font-weight: 700; color: var(--owf-blue, #0072be); white-space: nowrap; transition: gap 0.3s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)), color 0.3s ease; }
.owf-inf__mast-a:hover { gap: 12px; color: var(--owf-red, #cc2930); }
.owf-inf__mast-a:focus-visible, .owf-inf__mast-tag:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 2px; }

/* inverted masthead, for the two navy chapters */
.owf-inf__mast--inv .owf-inf__mast-t { color: #fff; }
.owf-inf__mast--inv .owf-inf__mast-d { color: rgba(255, 255, 255, 0.66); }
.owf-inf__mast--inv .owf-inf__mast-n { color: #8fc7ea; }
.owf-inf__mast--inv .owf-inf__mast-rule { background: linear-gradient(90deg, transparent, var(--inf-line-d) 40%, rgba(143, 199, 234, 0.8)); }
.owf-inf__mast--inv .owf-inf__mast-tag { background: rgba(255, 255, 255, 0.08); border-color: var(--inf-line-d); color: rgba(255, 255, 255, 0.82); }
.owf-inf__mast--inv .owf-inf__mast-a { color: #8fc7ea; }
.owf-inf__mast--inv .owf-inf__mast-a:hover { color: #fff; }

.owf-inf__ico {
    flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center;
    width: 38px; height: 38px; border-radius: 11px;
    background: rgba(0, 114, 190, 0.09); border: 1px solid rgba(0, 114, 190, 0.16);
    color: var(--owf-blue, #0072be); font-size: 17px;
    transition: transform 0.45s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)), background 0.3s ease, color 0.3s ease;
}
.owf-inf__ico--lg { width: 46px; height: 46px; border-radius: 13px; font-size: 20px; }

.owf-inf__btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 9px;
    min-height: 46px; padding: 0 20px; border-radius: 999px;
    text-decoration: none; white-space: nowrap;
    font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 14px; font-weight: 700; letter-spacing: -0.01em;
    transition: transform 0.35s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)), box-shadow 0.35s ease, background 0.3s ease, color 0.3s ease;
}
.owf-inf__btn:hover { transform: translateY(-2px); }
.owf-inf__btn:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 3px; }
.owf-inf__btn--p { color: #fff; background: var(--owf-blue, #0072be); box-shadow: 0 16px 30px -16px rgba(0, 114, 190, 0.95); }
.owf-inf__btn--p:hover { background: var(--owf-blue-600, #005c98); color: #fff; box-shadow: 0 20px 36px -16px rgba(0, 114, 190, 1); }
.owf-inf__btn--g { color: var(--owf-blue-700, #004572); background: rgba(0, 114, 190, 0.08); border: 1px solid rgba(0, 114, 190, 0.2); }
.owf-inf__btn--g:hover { color: var(--owf-red, #cc2930); background: rgba(204, 41, 48, 0.07); border-color: rgba(204, 41, 48, 0.24); }
.owf-inf__btn--s { color: #fff; background: rgba(255, 255, 255, 0.1); border: 1px solid rgba(255, 255, 255, 0.24); }
.owf-inf__btn--s:hover { color: #001726; background: #fff; border-color: #fff; }

.owf-inf__note {
    display: flex; align-items: flex-start; gap: 12px;
    margin: clamp(20px, 2.4vw, 32px) 0 0; padding: 15px 18px;
    border-left: 3px solid var(--owf-red, #cc2930);
    background: linear-gradient(90deg, rgba(204, 41, 48, 0.06), rgba(204, 41, 48, 0));
    font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.9vw, 14px); line-height: 1.62; color: var(--owf-ink-700, #1f2937);
}
.owf-inf__note i { flex-shrink: 0; margin-top: 3px; font-size: 16px; color: var(--owf-red, #cc2930); }
.owf-inf__note b { color: var(--owf-ink, #0a1929); font-weight: 700; }

/* ==========================================================================
   §5 · COVERAGE LEDGER
   Three tinted columns, red → amber → green. No cards: each column is a
   full-height tinted field with a rule between, so the section reads as one
   ledger rather than three boxes floating in space.
   ========================================================================== */
.owf-inf__cov {
    position: relative; overflow: hidden;
    padding: clamp(34px, 4vw, 66px) 0;
    min-height: 45vh;
    background: #fff;
}
.owf-inf__cov-wm {
    position: absolute; right: -1.5vw; top: 4%; z-index: 0;
    pointer-events: none; user-select: none;
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    font-size: clamp(110px, 13vw, 220px); font-weight: 800;
    line-height: 0.8; letter-spacing: -0.06em; color: var(--owf-blue, #0072be); opacity: 0.045;
}
@media (max-width: 1199px) { .owf-inf__cov-wm { display: none; } }
.owf-inf__cov > .owf-container { position: relative; z-index: 1; }

.owf-inf__cov-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; border-top: 2px solid var(--owf-ink, #0a1929); }
.owf-inf__cov-col { position: relative; display: flex; flex-direction: column; padding: clamp(18px, 1.8vw, 26px) clamp(16px, 1.6vw, 24px) clamp(20px, 2vw, 28px); }
.owf-inf__cov-col + .owf-inf__cov-col { border-left: 1px solid var(--inf-line-2); }
.owf-inf__cov-col--no   { background: linear-gradient(180deg, rgba(204, 41, 48, 0.085), rgba(204, 41, 48, 0.015) 70%, transparent); }
.owf-inf__cov-col--part { background: linear-gradient(180deg, var(--inf-amber-t), rgba(178, 107, 0, 0.015) 70%, transparent); }
.owf-inf__cov-col--yes  { background: linear-gradient(180deg, var(--inf-green-t), rgba(15, 122, 72, 0.015) 70%, transparent); }
/* the column's own state colour, restated as a top rule */
.owf-inf__cov-col::before { content: ''; position: absolute; top: -2px; left: 0; right: 0; height: 2px; }
.owf-inf__cov-col--no::before   { background: var(--owf-red, #cc2930); }
.owf-inf__cov-col--part::before { background: var(--inf-amber); }
.owf-inf__cov-col--yes::before  { background: var(--inf-green); }

.owf-inf__cov-h { display: flex; align-items: center; gap: 11px; margin-bottom: 12px; }
.owf-inf__cov-ic { flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center; width: 34px; height: 34px; border-radius: 10px; font-size: 16px; }
.owf-inf__cov-col--no   .owf-inf__cov-ic { color: var(--owf-red, #cc2930); background: rgba(204, 41, 48, 0.1); }
.owf-inf__cov-col--part .owf-inf__cov-ic { color: var(--inf-amber); background: rgba(178, 107, 0, 0.11); }
.owf-inf__cov-col--yes  .owf-inf__cov-ic { color: var(--inf-green); background: rgba(15, 122, 72, 0.1); }
.owf-inf__cov-t { flex: 1; margin: 0; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(15px, 1.15vw, 19px); font-weight: 800; letter-spacing: -0.025em; color: var(--owf-ink, #0a1929); }
.owf-inf__cov-c { flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center; min-width: 24px; height: 24px; padding: 0 7px; border-radius: 999px; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11px; font-weight: 800; color: #fff; }
.owf-inf__cov-col--no   .owf-inf__cov-c { background: var(--owf-red, #cc2930); }
.owf-inf__cov-col--part .owf-inf__cov-c { background: var(--inf-amber); }
.owf-inf__cov-col--yes  .owf-inf__cov-c { background: var(--inf-green); }

.owf-inf__cov-d { margin: 0 0 14px; padding-bottom: 14px; border-bottom: 1px dashed var(--inf-line-2); font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12px, 0.88vw, 13.5px); line-height: 1.62; color: var(--owf-ink-500, #4b5563); }
.owf-inf__cov-list { flex: 1; margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 9px; }
.owf-inf__cov-list li { display: flex; align-items: flex-start; gap: 9px; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12px, 0.9vw, 13.8px); line-height: 1.5; color: var(--owf-ink-700, #1f2937); }
.owf-inf__cov-list i { flex-shrink: 0; margin-top: 3px; font-size: 12px; }
.owf-inf__cov-col--no   .owf-inf__cov-list i { color: var(--owf-red, #cc2930); }
.owf-inf__cov-col--part .owf-inf__cov-list i { color: var(--inf-amber); }
.owf-inf__cov-col--yes  .owf-inf__cov-list i { color: var(--inf-green); }

/* ==========================================================================
   §6 · READ YOUR POLICY  —  navy chapter
   ========================================================================== */
.owf-inf__pol {
    position: relative; overflow: hidden; isolation: isolate;
    padding: clamp(36px, 4.2vw, 70px) 0;
    min-height: 45vh;
    background:
        radial-gradient(ellipse at 88% 0%, rgba(0, 114, 190, 0.4), transparent 55%),
        radial-gradient(ellipse at 0% 100%, rgba(204, 41, 48, 0.22), transparent 52%),
        linear-gradient(165deg, #002e4c 0%, #001726 100%);
    color: #fff;
}
.owf-inf__pol::before {
    content: ''; position: absolute; inset: 0; z-index: -1; opacity: 0.55;
    background-image: linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px);
    background-size: 100% 42px;
}
.owf-inf__pol-list { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--inf-line-d); }
.owf-inf__pol-i {
    position: relative; display: grid; grid-template-columns: auto auto minmax(0, 1fr);
    align-items: start; gap: 0 14px;
    padding: clamp(18px, 2vw, 28px) clamp(14px, 1.6vw, 26px) clamp(18px, 2vw, 28px) 0;
    border-bottom: 1px solid var(--inf-line-d);
    transition: background 0.4s ease;
}
.owf-inf__pol-i:nth-child(odd) { border-right: 1px solid var(--inf-line-d); padding-right: clamp(20px, 2.2vw, 34px); }
.owf-inf__pol-i:nth-child(even) { padding-left: clamp(20px, 2.2vw, 34px); }
.owf-inf__pol-i:hover { background: rgba(255, 255, 255, 0.035); }
.owf-inf__pol-n { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(26px, 2.2vw, 42px); font-weight: 800; line-height: 0.9; letter-spacing: -0.05em; color: transparent; -webkit-text-stroke: 1px rgba(143, 199, 234, 0.55); }
.owf-inf__pol-ic { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 10px; background: rgba(255, 255, 255, 0.07); border: 1px solid var(--inf-line-d); color: #8fc7ea; font-size: 16px; transition: transform 0.45s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__pol-i:hover .owf-inf__pol-ic { transform: translateY(-3px); }
.owf-inf__pol-body { min-width: 0; }
.owf-inf__pol-t { margin: 0 0 9px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(16px, 1.2vw, 21px); font-weight: 700; letter-spacing: -0.025em; color: #fff; }
.owf-inf__pol-w {
    display: flex; align-items: flex-start; gap: 8px; margin: 0 0 10px; padding: 8px 11px;
    border-radius: 8px; background: rgba(204, 41, 48, 0.16); border: 1px solid rgba(204, 41, 48, 0.3);
    font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11.5px; font-weight: 700; line-height: 1.5; color: #ffc9cc;
}
.owf-inf__pol-w i { flex-shrink: 0; margin-top: 2px; font-size: 11px; opacity: 0.8; }
.owf-inf__pol-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.9vw, 14px); line-height: 1.68; color: rgba(255, 255, 255, 0.7); }

/* ==========================================================================
   §7 · EMPLOYER COVER
   ========================================================================== */
.owf-inf__hr {
    position: relative; overflow: hidden;
    padding: clamp(34px, 4vw, 66px) 0;
    min-height: 45vh;
    background: linear-gradient(180deg, #ffffff 0%, #f4f9fd 100%);
}
.owf-inf__hr-wm {
    position: absolute; left: -1vw; bottom: -3vw; z-index: 0;
    pointer-events: none; user-select: none;
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    font-size: clamp(120px, 15vw, 250px); font-weight: 800;
    line-height: 0.78; letter-spacing: -0.06em; color: var(--owf-red, #cc2930); opacity: 0.045;
}
@media (max-width: 1199px) { .owf-inf__hr-wm { display: none; } }
.owf-inf__hr-in { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 0.94fr); gap: clamp(24px, 3vw, 52px); align-items: start; }
.owf-inf__hr-body { min-width: 0; }

.owf-inf__hr-qs { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--inf-line); }
.owf-inf__hr-q { display: flex; align-items: flex-start; gap: 13px; padding: 13px 0; border-bottom: 1px solid var(--inf-line-2); font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.92vw, 14.5px); line-height: 1.6; color: var(--owf-ink-700, #1f2937); }
.owf-inf__hr-qn { flex-shrink: 0; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 13px; font-weight: 800; letter-spacing: 0.04em; color: var(--owf-red, #cc2930); }

/* ---- the email mock. A real thing you can take away. ---- */
.owf-inf__mail {
    position: sticky; top: calc(var(--inf-hdr-h) + var(--inf-jump-h) + 18px);
    margin: 0; border-radius: var(--owf-radius-lg, 16px); overflow: hidden;
    background: #fff; border: 1px solid var(--inf-line);
    box-shadow: 0 28px 54px -32px rgba(0, 46, 76, 0.5);
}
.owf-inf__mail-bar { display: flex; align-items: center; gap: 11px; padding: 10px 14px; background: linear-gradient(180deg, #f6fafd, #eef5fb); border-bottom: 1px solid var(--inf-line-2); }
.owf-inf__mail-dots { display: inline-flex; gap: 5px; }
.owf-inf__mail-dots i { width: 9px; height: 9px; border-radius: 50%; background: var(--owf-ink-200, #d1d5db); }
.owf-inf__mail-dots i:first-child { background: rgba(204, 41, 48, 0.5); }
.owf-inf__mail-name { flex: 1; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: var(--owf-ink-400, #6b7280); }
.owf-inf__mail-copy {
    -webkit-appearance: none; appearance: none;
    display: inline-flex; align-items: center; gap: 6px;
    min-height: 32px; padding: 0 12px; border-radius: 999px; cursor: pointer; box-shadow: none;
    background: var(--owf-blue, #0072be); border: 1px solid var(--owf-blue, #0072be); color: #fff;
    font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 12px; font-weight: 700;
    transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s ease;
}
.owf-inf__mail-copy:hover { background: var(--owf-blue-600, #005c98); transform: translateY(-1px); }
.owf-inf__mail-copy.is-done { background: var(--inf-green); border-color: var(--inf-green); }
.owf-inf__mail-copy:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 2px; }

.owf-inf__mail-body { padding: clamp(16px, 1.8vw, 24px); max-height: 46vh; overflow-y: auto; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 12.5px; line-height: 1.68; color: var(--owf-ink-700, #1f2937); }
.owf-inf__mail-body p { margin: 0 0 10px; }
.owf-inf__mail-sub { padding-bottom: 10px; border-bottom: 1px dashed var(--inf-line-2); color: var(--owf-ink, #0a1929); }
.owf-inf__mail-sub b { color: var(--owf-blue-700, #004572); }
.owf-inf__mail-body ol { margin: 0 0 10px; padding-left: 18px; }
.owf-inf__mail-body li { margin-bottom: 7px; }

/* ==========================================================================
   §8 · MAKING A CLAIM
   ========================================================================== */
.owf-inf__clm { position: relative; padding: clamp(34px, 4vw, 66px) 0; min-height: 45vh; background: #fff; }

.owf-inf__routes { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0; border-top: 2px solid var(--owf-ink, #0a1929); margin-bottom: clamp(22px, 2.6vw, 38px); }
.owf-inf__route { position: relative; padding: clamp(18px, 1.9vw, 28px) clamp(16px, 1.7vw, 26px); }
.owf-inf__route + .owf-inf__route { border-left: 1px solid var(--inf-line-2); }
.owf-inf__route--cash { background: linear-gradient(180deg, rgba(0, 114, 190, 0.075), transparent 74%); }
.owf-inf__route--reim { background: linear-gradient(180deg, rgba(204, 41, 48, 0.06), transparent 74%); }
.owf-inf__route::before { content: ''; position: absolute; top: -2px; left: 0; right: 0; height: 2px; }
.owf-inf__route--cash::before { background: var(--owf-blue, #0072be); }
.owf-inf__route--reim::before { background: var(--owf-red, #cc2930); }
.owf-inf__route--reim .owf-inf__ico { background: rgba(204, 41, 48, 0.09); border-color: rgba(204, 41, 48, 0.18); color: var(--owf-red, #cc2930); }
.owf-inf__route-h { display: flex; align-items: center; gap: 13px; margin-bottom: 12px; }
.owf-inf__route-t { margin: 0 0 2px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(18px, 1.4vw, 24px); font-weight: 800; letter-spacing: -0.03em; color: var(--owf-ink, #0a1929); }
.owf-inf__route-s { margin: 0; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: var(--owf-ink-400, #6b7280); }
.owf-inf__route-d { margin: 0 0 13px; padding-bottom: 13px; border-bottom: 1px dashed var(--inf-line-2); font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.9vw, 14px); line-height: 1.65; color: var(--owf-ink-500, #4b5563); }
.owf-inf__route-pts { margin: 0; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 8px; }
.owf-inf__route-pts li { display: flex; align-items: flex-start; gap: 8px; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12px, 0.88vw, 13.5px); line-height: 1.5; color: var(--owf-ink-700, #1f2937); }
.owf-inf__route-pts i { flex-shrink: 0; margin-top: 4px; font-size: 9px; color: var(--owf-blue, #0072be); }
.owf-inf__route--reim .owf-inf__route-pts i { color: var(--owf-red, #cc2930); }

/* ---- the five steps, as a ruled rail ---- */
.owf-inf__steps {
    display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 0;
    margin: 0 0 clamp(24px, 2.8vw, 40px); padding: 0; list-style: none;
    border-top: 1px solid var(--inf-line);
}
.owf-inf__step { position: relative; padding: clamp(16px, 1.7vw, 24px) clamp(13px, 1.4vw, 20px) clamp(16px, 1.7vw, 24px) 0; }
.owf-inf__step + .owf-inf__step { padding-left: clamp(13px, 1.4vw, 20px); border-left: 1px solid var(--inf-line-2); }
/* the progress pip that rides the top rule */
.owf-inf__step::before { content: ''; position: absolute; top: -4px; left: 0; width: 7px; height: 7px; border-radius: 50%; background: var(--owf-blue, #0072be); box-shadow: 0 0 0 3px rgba(0, 114, 190, 0.13); }
.owf-inf__step + .owf-inf__step::before { left: clamp(13px, 1.4vw, 20px); margin-left: -3px; }
.owf-inf__step-n { display: block; margin-bottom: 7px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(22px, 1.9vw, 34px); font-weight: 800; line-height: 0.9; letter-spacing: -0.05em; color: transparent; -webkit-text-stroke: 1px rgba(0, 114, 190, 0.42); }
.owf-inf__step-t { margin: 0 0 6px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(14px, 1.02vw, 17px); font-weight: 700; letter-spacing: -0.02em; color: var(--owf-ink, #0a1929); }
.owf-inf__step-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(11.5px, 0.84vw, 13px); line-height: 1.58; color: var(--owf-ink-500, #4b5563); }

/* ---- document kit ---- */
.owf-inf__docs { position: relative; padding: clamp(20px, 2.2vw, 32px); border-radius: var(--owf-radius-lg, 16px); background: linear-gradient(160deg, #f1f7fc, #e6f1fa); border: 1px solid var(--inf-line); transition: border-color 0.5s ease; }
.owf-inf__docs.is-complete { border-color: rgba(15, 122, 72, 0.45); background: linear-gradient(160deg, #f0faf5, #e3f5ec); }
.owf-inf__docs-h { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-bottom: 18px; padding-bottom: 16px; border-bottom: 1px solid var(--inf-line); }
.owf-inf__docs-t { margin: 0 0 4px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(17px, 1.35vw, 24px); font-weight: 800; letter-spacing: -0.03em; color: var(--owf-ink, #0a1929); }
.owf-inf__docs-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12px, 0.88vw, 13.5px); line-height: 1.58; color: var(--owf-ink-500, #4b5563); }

.owf-inf__docs-meter { flex-shrink: 0; display: flex; align-items: center; gap: 11px; }
.owf-inf__docs-ring { width: 46px; height: 46px; transform: rotate(-90deg); }
.owf-inf__docs-ring circle { fill: none; stroke-width: 4; }
.owf-inf__docs-ring-t { stroke: rgba(0, 114, 190, 0.15); }
.owf-inf__docs-ring-v { stroke: var(--owf-blue, #0072be); stroke-linecap: round; transition: stroke-dashoffset 0.55s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)), stroke 0.4s ease; }
.owf-inf__docs-ring-v.is-full { stroke: var(--inf-green); }
.owf-inf__docs-count { display: flex; flex-direction: column; line-height: 1.1; }
.owf-inf__docs-count b { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 24px; font-weight: 800; letter-spacing: -0.04em; color: var(--owf-blue-700, #004572); }
.owf-inf__docs-count em { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; font-style: normal; letter-spacing: 0.1em; text-transform: uppercase; color: var(--owf-ink-400, #6b7280); }

.owf-inf__docs-list { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; background: var(--inf-line); border: 1px solid var(--inf-line); border-radius: 12px; overflow: hidden; }
.owf-inf__doc { background: rgba(255, 255, 255, 0.72); transition: background 0.35s ease; }
.owf-inf__doc.is-done { background: rgba(15, 122, 72, 0.09); }
.owf-inf__doc-btn { display: flex; align-items: flex-start; gap: 11px; width: 100%; min-height: 44px; padding: 13px 14px; text-align: left; background: none; border: 0; cursor: pointer; }
.owf-inf__doc-btn:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: -3px; }
.owf-inf__doc-box { flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center; width: 21px; height: 21px; margin-top: 1px; border-radius: 6px; background: #fff; border: 1.5px solid rgba(0, 114, 190, 0.32); color: #fff; font-size: 12px; transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__doc-box i { opacity: 0; transform: scale(0.5); transition: opacity 0.25s ease, transform 0.35s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__doc.is-done .owf-inf__doc-box { background: var(--inf-green); border-color: var(--inf-green); }
.owf-inf__doc.is-done .owf-inf__doc-box i { opacity: 1; transform: none; }
.owf-inf__doc-txt { display: flex; flex-direction: column; gap: 3px; min-width: 0; }
.owf-inf__doc-txt b { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(12.5px, 0.92vw, 14.5px); font-weight: 700; letter-spacing: -0.02em; color: var(--owf-ink, #0a1929); transition: color 0.3s ease; }
.owf-inf__doc-txt em { font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 11.5px; font-style: normal; line-height: 1.5; color: var(--owf-ink-500, #4b5563); }
.owf-inf__doc.is-done .owf-inf__doc-txt b { color: var(--inf-green); }

.owf-inf__docs-note { display: flex; align-items: flex-start; gap: 9px; margin: 14px 0 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 11.5px; line-height: 1.55; color: var(--owf-ink-400, #6b7280); }
.owf-inf__docs-note i { flex-shrink: 0; margin-top: 2px; color: var(--owf-blue, #0072be); }

/* ==========================================================================
   §9 · INSTALMENT PLANNER  —  navy chapter
   ========================================================================== */
.owf-inf__pln {
    position: relative; overflow: hidden; isolation: isolate;
    padding: clamp(36px, 4.2vw, 70px) 0;
    min-height: 45vh;
    background:
        radial-gradient(ellipse at 8% 0%, rgba(0, 114, 190, 0.42), transparent 55%),
        radial-gradient(ellipse at 96% 96%, rgba(204, 41, 48, 0.2), transparent 52%),
        linear-gradient(195deg, #002e4c 0%, #001726 100%);
    color: #fff;
}
.owf-inf__pln-wm {
    position: absolute; right: -1vw; bottom: -3vw; z-index: 0;
    pointer-events: none; user-select: none;
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    font-size: clamp(120px, 15vw, 260px); font-weight: 800;
    line-height: 0.78; letter-spacing: -0.06em; color: #fff; opacity: 0.04;
}
@media (max-width: 1199px) { .owf-inf__pln-wm { display: none; } }
.owf-inf__pln > .owf-container { position: relative; z-index: 1; }

.owf-inf__pln-in { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(0, 0.88fr); gap: clamp(22px, 2.8vw, 46px); align-items: start; }
.owf-inf__ctrl { min-width: 0; display: flex; flex-direction: column; gap: clamp(18px, 2vw, 28px); }
/* the theme gives fieldset/legend a bordered-card treatment — unset all of
   it, including the legend's UA padding, or every control group ships with a
   stray notch in a hairline box */
.owf-inf__fld { min-width: 0; margin: 0; padding: 0 0 clamp(16px, 1.8vw, 24px); border: 0; border-bottom: 1px solid var(--inf-line-d); background: none; }
.owf-inf__ctrl > .owf-inf__fld:last-child { border-bottom: 0; padding-bottom: 0; }
.owf-inf__lg { display: flex; float: none; align-items: center; gap: 10px; width: 100%; margin: 0 0 13px; padding: 0; border: 0; background: none; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11px; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255, 255, 255, 0.62); }
.owf-inf__lg-n { display: inline-flex; align-items: center; justify-content: center; width: 20px; height: 20px; border-radius: 6px; background: rgba(143, 199, 234, 0.16); border: 1px solid rgba(143, 199, 234, 0.3); font-size: 10px; color: #8fc7ea; }
.owf-inf__hint { margin: 10px 0 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 11.5px; line-height: 1.55; color: rgba(255, 255, 255, 0.45); }

/* ---- chips: app-style segmented controls ---- */
.owf-inf__chips { display: flex; flex-wrap: wrap; gap: 8px; }
.owf-inf__chips--path { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.owf-inf__chips--ten { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); }
.owf-inf__chip {
    position: relative; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 3px;
    min-height: 62px; padding: 9px 8px; margin: 0; border-radius: 12px; cursor: pointer;
    background: rgba(255, 255, 255, 0.055); border: 1px solid var(--inf-line-d);
    text-align: center;
    transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1));
}
.owf-inf__chip input { position: absolute; opacity: 0; width: 0; height: 0; }
.owf-inf__chip i { font-size: 15px; color: #8fc7ea; transition: color 0.3s ease; }
.owf-inf__chip > span { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 12.5px; font-weight: 700; letter-spacing: -0.015em; color: rgba(255, 255, 255, 0.88); }
.owf-inf__chip > b { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 20px; font-weight: 800; line-height: 1; letter-spacing: -0.04em; color: #fff; }
.owf-inf__chip em { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 9.5px; font-weight: 800; font-style: normal; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); }
.owf-inf__chip:hover { background: rgba(255, 255, 255, 0.09); transform: translateY(-2px); }
.owf-inf__chip.is-on { background: rgba(0, 114, 190, 0.42); border-color: #8fc7ea; box-shadow: 0 12px 26px -14px rgba(0, 114, 190, 1); }
.owf-inf__chip.is-on i { color: #fff; }
.owf-inf__chip.is-on em { color: rgba(255, 255, 255, 0.82); }
.owf-inf__chip--ten.is-free em { color: #7ee0a8; }
.owf-inf__chip--ten.is-free.is-on { background: rgba(15, 122, 72, 0.5); border-color: #7ee0a8; box-shadow: 0 12px 26px -14px rgba(15, 122, 72, 1); }
.owf-inf__chip:focus-within { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 2px; }

/* ---- sliders ---- */
.owf-inf__slide { display: flex; flex-direction: column; gap: 10px; }
.owf-inf__slide-v { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(24px, 2vw, 34px); font-weight: 800; letter-spacing: -0.04em; line-height: 1; color: #fff; }
.owf-inf__slide-ends { display: flex; justify-content: space-between; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.09em; text-transform: uppercase; color: rgba(255, 255, 255, 0.42); }

/* the theme styles every bare `input` with a height, border, padding and
   inset shadow. A range input inherits all of it and renders as a sunken
   text field with a thumb loose inside, so each of those is unset here. */
.owf-inf__range {
    --inf-fill: 50%;
    -webkit-appearance: none; appearance: none;
    display: block; width: 100%; height: 26px; margin: 0; padding: 0;
    border: 0; border-radius: 0; box-shadow: none; background: transparent;
    cursor: pointer;
}
.owf-inf__range::-webkit-slider-runnable-track {
    height: 6px; border-radius: 999px;
    background: linear-gradient(90deg, #8fc7ea 0%, #8fc7ea var(--inf-fill), rgba(255, 255, 255, 0.16) var(--inf-fill), rgba(255, 255, 255, 0.16) 100%);
}
.owf-inf__range::-moz-range-track { height: 6px; border-radius: 999px; background: rgba(255, 255, 255, 0.16); }
.owf-inf__range::-moz-range-progress { height: 6px; border-radius: 999px; background: #8fc7ea; }
.owf-inf__range::-webkit-slider-thumb {
    -webkit-appearance: none; appearance: none;
    width: 22px; height: 22px; margin-top: -8px; border-radius: 50%;
    background: #fff; border: 4px solid var(--owf-blue, #0072be);
    box-shadow: 0 4px 14px -3px rgba(0, 0, 0, 0.55);
    transition: transform 0.2s ease;
}
.owf-inf__range::-moz-range-thumb {
    width: 22px; height: 22px; border-radius: 50%;
    background: #fff; border: 4px solid var(--owf-blue, #0072be);
    box-shadow: 0 4px 14px -3px rgba(0, 0, 0, 0.55);
}
.owf-inf__range:active::-webkit-slider-thumb { transform: scale(1.14); }
.owf-inf__range:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 4px; border-radius: 999px; }

/* ---- readout ---- */
.owf-inf__out {
    position: sticky; top: calc(var(--inf-hdr-h) + var(--inf-jump-h) + 18px);
    padding: clamp(18px, 2vw, 28px);
    border-radius: var(--owf-radius-lg, 16px);
    background: rgba(255, 255, 255, 0.055);
    border: 1px solid rgba(255, 255, 255, 0.16);
    -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
    box-shadow: 0 30px 60px -34px rgba(0, 0, 0, 0.85);
}
.owf-inf__out-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 10px; }
.owf-inf__out-lbl { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10.5px; font-weight: 800; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(255, 255, 255, 0.6); }
.owf-inf__out-badge { flex-shrink: 0; padding: 5px 11px; border-radius: 999px; background: rgba(0, 114, 190, 0.42); border: 1px solid rgba(143, 199, 234, 0.5); font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; color: #fff; white-space: nowrap; transition: background 0.35s ease, border-color 0.35s ease; }
.owf-inf__out-badge.is-free { background: rgba(15, 122, 72, 0.5); border-color: #7ee0a8; }

.owf-inf__out-big { display: flex; align-items: baseline; gap: 4px; margin-bottom: 16px; }
.owf-inf__out-cur { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(20px, 1.7vw, 28px); font-weight: 600; color: rgba(255, 255, 255, 0.55); }
.owf-inf__out-num { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(38px, 3.4vw, 60px); font-weight: 800; line-height: 0.94; letter-spacing: -0.048em; color: #fff; }
.owf-inf__out-per { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 12px; font-weight: 800; color: rgba(255, 255, 255, 0.55); }

.owf-inf__bar { display: flex; height: 9px; border-radius: 999px; overflow: hidden; background: rgba(255, 255, 255, 0.1); }
.owf-inf__bar-p { background: linear-gradient(90deg, #0072be, #66abe1); transition: width 0.5s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__bar-i { background: linear-gradient(90deg, #da535b, #cc2930); transition: width 0.5s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__bar-key { display: flex; flex-wrap: wrap; gap: 6px 18px; margin: 9px 0 16px; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 11.5px; color: rgba(255, 255, 255, 0.6); }
.owf-inf__bar-key span { display: inline-flex; align-items: center; gap: 7px; }
.owf-inf__bar-key b { font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 12.5px; font-weight: 700; color: #fff; }
.owf-inf__key { width: 9px; height: 9px; border-radius: 3px; }
.owf-inf__key--p { background: #66abe1; }
.owf-inf__key--i { background: #da535b; }

.owf-inf__out-rows { margin: 0 0 14px; padding-top: 14px; border-top: 1px solid var(--inf-line-d); }
.owf-inf__out-rows > div { display: flex; align-items: baseline; justify-content: space-between; gap: 14px; padding: 7px 0; border-bottom: 1px dashed rgba(255, 255, 255, 0.1); }
.owf-inf__out-rows > div:last-child { border-bottom: 0; }
.owf-inf__out-rows dt { font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.11em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); }
.owf-inf__out-rows dd { margin: 0; text-align: right; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 13.5px; font-weight: 700; color: #fff; }
.owf-inf__out-row--tot { margin-top: 4px; padding-top: 11px !important; border-top: 1px solid var(--inf-line-d); }
.owf-inf__out-row--tot dt { color: rgba(255, 255, 255, 0.72); }
.owf-inf__out-row--tot dd { font-size: 17px; font-weight: 800; color: #7ee0a8; }

.owf-inf__disc { display: flex; align-items: flex-start; gap: 8px; margin: 0 0 16px; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: 11px; line-height: 1.55; color: rgba(255, 255, 255, 0.48); }
.owf-inf__disc i { flex-shrink: 0; margin-top: 2px; color: #8fc7ea; }
.owf-inf__out-btns { display: flex; flex-wrap: wrap; gap: 9px; }

/* ---- the crawlable table ---- */
.owf-inf__tbl-wrap { margin-top: clamp(24px, 2.8vw, 40px); overflow-x: auto; -webkit-overflow-scrolling: touch; }
.owf-inf__tbl { width: 100%; border-collapse: collapse; min-width: 560px; background: none; margin: 0; }
.owf-inf__tbl caption { padding-bottom: 12px; text-align: left; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 11px; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); }
.owf-inf__tbl th, .owf-inf__tbl td { padding: 11px 14px; text-align: right; background: none; border: 0; border-bottom: 1px solid var(--inf-line-d); font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 13.5px; font-weight: 500; color: rgba(255, 255, 255, 0.82); }
.owf-inf__tbl thead th { text-align: right; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.11em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); border-bottom-color: rgba(255, 255, 255, 0.26); }
.owf-inf__tbl th:first-child, .owf-inf__tbl thead th:first-child { text-align: left; }
.owf-inf__tbl tbody th { text-align: left; font-weight: 700; color: #fff; }
.owf-inf__tbl tbody tr { transition: background 0.35s ease; }
.owf-inf__tbl tbody tr.is-on { background: rgba(0, 114, 190, 0.3); }
.owf-inf__tbl tbody tr.is-on th, .owf-inf__tbl tbody tr.is-on td { color: #fff; }
.owf-inf__n { font-variant-numeric: tabular-nums; }

/* ==========================================================================
   §10 · GST, TAX & THE LAW
   ========================================================================== */
.owf-inf__law { position: relative; padding: clamp(34px, 4vw, 66px) 0; min-height: 45vh; background: linear-gradient(180deg, #ffffff 0%, #f4f9fd 100%); }
.owf-inf__law-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; border-top: 2px solid var(--owf-ink, #0a1929); }
.owf-inf__law-i { position: relative; display: flex; flex-direction: column; padding: clamp(20px, 2vw, 30px) clamp(16px, 1.7vw, 26px); }
.owf-inf__law-i + .owf-inf__law-i { border-left: 1px solid var(--inf-line-2); }
.owf-inf__law-i:nth-child(1) { background: linear-gradient(180deg, rgba(0, 114, 190, 0.07), transparent 72%); }
.owf-inf__law-i:nth-child(2) { background: linear-gradient(180deg, rgba(204, 41, 48, 0.055), transparent 72%); }
.owf-inf__law-i:nth-child(3) { background: linear-gradient(180deg, rgba(15, 122, 72, 0.06), transparent 72%); }
.owf-inf__law-n { position: absolute; top: clamp(14px, 1.5vw, 22px); right: clamp(14px, 1.5vw, 22px); font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(34px, 3vw, 54px); font-weight: 800; line-height: 0.8; letter-spacing: -0.06em; color: transparent; -webkit-text-stroke: 1px rgba(0, 114, 190, 0.24); }
.owf-inf__law-i .owf-inf__ico { margin-bottom: 14px; }
.owf-inf__law-i:nth-child(3) .owf-inf__ico { background: rgba(15, 122, 72, 0.09); border-color: rgba(15, 122, 72, 0.2); color: var(--inf-green); }
.owf-inf__law-v { display: block; margin-bottom: 4px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(24px, 2.1vw, 36px); font-weight: 800; line-height: 1; letter-spacing: -0.04em; color: var(--owf-blue-700, #004572); }
.owf-inf__law-i:nth-child(2) .owf-inf__law-v { color: var(--owf-red, #cc2930); }
.owf-inf__law-i:nth-child(3) .owf-inf__law-v { color: var(--inf-green); }
.owf-inf__law-t { margin: 0 0 10px; padding-bottom: 10px; border-bottom: 1px dashed var(--inf-line-2); font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(15px, 1.15vw, 19px); font-weight: 700; letter-spacing: -0.025em; color: var(--owf-ink, #0a1929); }
.owf-inf__law-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.9vw, 14px); line-height: 1.68; color: var(--owf-ink-500, #4b5563); }

/* ==========================================================================
   §11 · LOWERING THE BILL
   ========================================================================== */
.owf-inf__lev { position: relative; overflow: hidden; padding: clamp(34px, 4vw, 66px) 0; min-height: 45vh; background: #fff; }
.owf-inf__lev-wm {
    position: absolute; right: -1.5vw; bottom: -3vw; z-index: 0;
    pointer-events: none; user-select: none;
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    font-size: clamp(120px, 15vw, 250px); font-weight: 800;
    line-height: 0.78; letter-spacing: -0.06em; color: var(--owf-blue, #0072be); opacity: 0.045;
}
@media (max-width: 1199px) { .owf-inf__lev-wm { display: none; } }
.owf-inf__lev > .owf-container { position: relative; z-index: 1; }

.owf-inf__lev-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--inf-line); }
.owf-inf__lev-i { position: relative; padding: clamp(18px, 1.9vw, 28px) clamp(15px, 1.6vw, 24px) clamp(18px, 1.9vw, 28px) 0; border-bottom: 1px solid var(--inf-line-2); transition: background 0.4s ease; }
.owf-inf__lev-i:nth-child(3n+2), .owf-inf__lev-i:nth-child(3n) { padding-left: clamp(15px, 1.6vw, 24px); border-left: 1px solid var(--inf-line-2); }
.owf-inf__lev-i:hover { background: rgba(0, 114, 190, 0.032); }
.owf-inf__lev-i:hover .owf-inf__ico { transform: translateY(-3px); background: var(--owf-blue, #0072be); color: #fff; }
.owf-inf__lev-n { position: absolute; top: clamp(14px, 1.5vw, 22px); right: clamp(12px, 1.4vw, 20px); font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(28px, 2.4vw, 44px); font-weight: 800; line-height: 0.8; letter-spacing: -0.06em; color: transparent; -webkit-text-stroke: 1px rgba(204, 41, 48, 0.22); }
.owf-inf__lev-i .owf-inf__ico { margin-bottom: 13px; }
.owf-inf__lev-t { margin: 0 0 8px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(15px, 1.12vw, 19px); font-weight: 700; letter-spacing: -0.025em; color: var(--owf-ink, #0a1929); }
.owf-inf__lev-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.9vw, 14px); line-height: 1.65; color: var(--owf-ink-500, #4b5563); }

/* ==========================================================================
   §12 · FAQ
   ========================================================================== */
.owf-inf__faq { position: relative; overflow: hidden; padding: clamp(34px, 4vw, 66px) 0; min-height: 45vh; background: linear-gradient(180deg, #f4f9fd 0%, #e6f1fa 100%); }
.owf-inf__faq-wm {
    position: absolute; left: -1.4vw; bottom: -3vw; z-index: 0;
    pointer-events: none; user-select: none;
    font-family: var(--owf-font-display, 'Jost'), sans-serif;
    font-size: clamp(120px, 14vw, 240px); font-weight: 800;
    line-height: 0.8; letter-spacing: -0.06em; color: var(--owf-blue, #0072be); opacity: 0.05;
}
@media (max-width: 1199px) { .owf-inf__faq-wm { display: none; } }
.owf-inf__faq > .owf-container { position: relative; z-index: 1; }

.owf-inf__faq-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 clamp(24px, 3vw, 54px); }
.owf-inf__faq-col { min-width: 0; }
.owf-inf__q { border-top: 1px solid var(--inf-line); }
.owf-inf__faq-col:first-child > .owf-inf__q:first-child { border-top: 1px solid var(--owf-ink, #0a1929); }
.owf-inf__faq-col:last-child > .owf-inf__q:first-child { border-top: 1px solid var(--owf-ink, #0a1929); }
.owf-inf__q:last-child { border-bottom: 1px solid var(--inf-line); }
.owf-inf__q-head { display: flex; align-items: flex-start; gap: 13px; width: 100%; padding: 17px 0; background: none; border: 0; text-align: left; cursor: pointer; }
.owf-inf__q-head:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: -2px; }
.owf-inf__q-n { flex-shrink: 0; margin-top: 2px; font-family: var(--owf-font-accent, 'Nunito'), sans-serif; font-size: 10px; font-weight: 800; letter-spacing: 0.1em; color: var(--owf-red, #cc2930); }
.owf-inf__q-t { flex: 1; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: clamp(14px, 1.05vw, 17.5px); font-weight: 700; line-height: 1.34; letter-spacing: -0.025em; color: var(--owf-ink, #0a1929); transition: color 0.3s ease; }
.owf-inf__q-head:hover .owf-inf__q-t { color: var(--owf-blue, #0072be); }
.owf-inf__q-head[aria-expanded="true"] .owf-inf__q-t { color: var(--owf-blue-700, #004572); }
.owf-inf__q-mark { position: relative; flex-shrink: 0; width: 18px; height: 18px; margin-top: 3px; }
.owf-inf__q-mark i { position: absolute; top: 50%; left: 0; width: 100%; height: 1.8px; background: var(--owf-blue, #0072be); transition: transform 0.4s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__q-mark i:last-child { transform: rotate(90deg); }
.owf-inf__q-head[aria-expanded="true"] .owf-inf__q-mark i:last-child { transform: rotate(0deg); }
.owf-inf__q-head[aria-expanded="true"] .owf-inf__q-mark i { background: var(--owf-red, #cc2930); }
.owf-inf__q-wrap { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 0.45s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__q-head[aria-expanded="true"] + .owf-inf__q-wrap { grid-template-rows: 1fr; }
.owf-inf__q-a { overflow: hidden; padding: 0 30px 0 33px; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.9vw, 14px); line-height: 1.72; color: var(--owf-ink-500, #4b5563); opacity: 0; transition: opacity 0.35s ease, padding 0.45s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf__q-head[aria-expanded="true"] + .owf-inf__q-wrap .owf-inf__q-a { opacity: 1; padding-bottom: 18px; }

/* ==========================================================================
   §13 · CLOSING
   ========================================================================== */
.owf-inf__end {
    position: relative; overflow: hidden;
    padding: clamp(30px, 3.4vw, 54px) 0;
    background:
        radial-gradient(ellipse at 96% 0%, rgba(0, 114, 190, 0.4), transparent 56%),
        linear-gradient(160deg, #002e4c 0%, #001726 100%);
    color: #fff;
}
.owf-inf__end-in { display: flex; align-items: center; justify-content: space-between; gap: clamp(20px, 3vw, 52px); flex-wrap: wrap; }
.owf-inf__end-t { margin: 0 0 8px; font-family: var(--owf-font-display, 'Jost'), sans-serif; font-weight: 800; font-size: clamp(22px, 1.8vw + 9px, 38px); line-height: 1.08; letter-spacing: -0.038em; color: #fff; }
.owf-inf__end .hl-b { color: #8fc7ea !important; }
.owf-inf__end-d { margin: 0; font-family: var(--owf-font-body, 'Open Sans'), sans-serif; font-size: clamp(12.5px, 0.92vw, 14.5px); line-height: 1.66; color: rgba(255, 255, 255, 0.7); }
.owf-inf__end-btns { display: flex; flex-wrap: wrap; gap: 10px; }

/* ==========================================================================
   §14 · MOBILE ACTION BAR  (phone only — see §16)
   ========================================================================== */
.owf-inf__bar { display: none; }

/* ==========================================================================
   §15 · REVEAL
   ========================================================================== */
.owf-inf.is-ready [data-rv] { opacity: 0; transform: translateY(18px); transition: opacity 0.7s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)), transform 0.7s var(--owf-ease-out, cubic-bezier(0.16, 1, 0.3, 1)); }
.owf-inf.is-ready [data-rv].is-in { opacity: 1; transform: none; }

/* ==========================================================================
   §16 · RESPONSIVE
   The phone layout is not a narrowed desktop: rails become horizontal snap
   scrollers, the planner readout docks above the action bar, and every
   control clears 44px.
   ========================================================================== */
@media (max-width: 1200px) {
    .owf-inf__ans-in { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__ans-l { position: static; }
    .owf-inf__law-grid { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__law-i + .owf-inf__law-i { border-left: 0; border-top: 1px solid var(--inf-line-2); }
    .owf-inf__docs-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .owf-inf__lev-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .owf-inf__lev-i:nth-child(3n+2), .owf-inf__lev-i:nth-child(3n) { padding-left: 0; border-left: 0; }
    .owf-inf__lev-i:nth-child(even) { padding-left: clamp(15px, 1.6vw, 24px); border-left: 1px solid var(--inf-line-2); }
}
@media (max-width: 991px) {
    .owf-inf__hero-in { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__hr-in { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__mail { position: static; }
    .owf-inf__pln-in { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__out { position: static; }
    .owf-inf__pol-list { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__pol-i:nth-child(odd) { border-right: 0; padding-right: 0; }
    .owf-inf__pol-i:nth-child(even) { padding-left: 0; }
    .owf-inf__faq-grid { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__faq-col:last-child > .owf-inf__q:first-child { border-top: 1px solid var(--inf-line); }

    /* ledger and steps become full-bleed snap rails — the phone idiom */
    .owf-inf__cov-grid,
    .owf-inf__steps {
        display: flex; border-top: 0;
        margin-left: calc(var(--owf-gutter, 28px) * -1); margin-right: calc(var(--owf-gutter, 28px) * -1);
        padding-left: var(--owf-gutter, 28px); padding-right: var(--owf-gutter, 28px);
        overflow-x: auto; scrollbar-width: none; scroll-snap-type: x mandatory;
        /* the rail must carry scroll-padding too, or a card lands flush to
           the screen edge after a swipe instead of on the gutter */
        scroll-padding-left: var(--owf-gutter, 28px); scroll-padding-right: var(--owf-gutter, 28px);
        gap: 12px;
    }
    .owf-inf__cov-grid::-webkit-scrollbar,
    .owf-inf__steps::-webkit-scrollbar { display: none; }
    .owf-inf__cov-col, .owf-inf__step { flex: 0 0 82%; scroll-snap-align: start; border-radius: 14px; }
    .owf-inf__cov-col + .owf-inf__cov-col { border-left: 0; }
    .owf-inf__cov-col { border: 1px solid var(--inf-line-2); border-top-width: 2px; }
    .owf-inf__cov-col--no   { border-top-color: var(--owf-red, #cc2930); }
    .owf-inf__cov-col--part { border-top-color: var(--inf-amber); }
    .owf-inf__cov-col--yes  { border-top-color: var(--inf-green); }
    .owf-inf__cov-col::before { display: none; }
    .owf-inf__step { padding: 18px 16px !important; border: 1px solid var(--inf-line-2); border-left-width: 0 !important; background: linear-gradient(180deg, rgba(0, 114, 190, 0.05), transparent 70%); }
    .owf-inf__step::before { display: none; }
    .owf-inf__routes { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__route + .owf-inf__route { border-left: 0; border-top: 1px solid var(--inf-line-2); }
}
@media (max-width: 768px) {
    .owf-inf { --inf-hdr-h: 60px; }
    .owf-inf__jump-in { scroll-padding-left: var(--owf-gutter-mobile, 14px); scroll-padding-right: var(--owf-gutter-mobile, 14px); }
    .owf-inf__cov-grid, .owf-inf__steps {
        margin-left: calc(var(--owf-gutter-mobile, 14px) * -1); margin-right: calc(var(--owf-gutter-mobile, 14px) * -1);
        padding-left: var(--owf-gutter-mobile, 14px); padding-right: var(--owf-gutter-mobile, 14px);
        scroll-padding-left: var(--owf-gutter-mobile, 14px); scroll-padding-right: var(--owf-gutter-mobile, 14px);
    }
    .owf-inf__mast { grid-template-columns: auto minmax(0, 1fr); row-gap: 10px; }
    .owf-inf__mast-rule { display: none; }
    .owf-inf__mast-tag, .owf-inf__mast-a { grid-column: 1 / -1; }
    .owf-inf__ans-list { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__docs-list { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__lev-grid { grid-template-columns: minmax(0, 1fr); }
    .owf-inf__lev-i:nth-child(even) { padding-left: 0; border-left: 0; }
    .owf-inf__chips--ten { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
    .owf-inf__hero { padding: 16px 0 24px; }
    .owf-inf__crumb { margin-bottom: 12px; font-size: 10px; }
    .owf-inf__kicker { gap: 10px; margin-bottom: 10px; }
    .owf-inf__eyebrow { font-size: 9.5px; letter-spacing: 0.13em; }
    .owf-inf__rule { display: none; }
    .owf-inf__h1 { font-size: 28px; line-height: 1.09; letter-spacing: -0.03em; margin-bottom: 10px; }
    .owf-inf__lead { font-size: 12.5px; line-height: 1.6; margin-bottom: 16px; }
    .owf-inf__hero-btns { margin-bottom: 16px; }
    .owf-inf__hero-btns .owf-inf__btn { flex: 1 1 auto; }
    .owf-inf__hero-stats { gap: 14px 22px; padding-top: 14px; }

    .owf-inf__cov-col, .owf-inf__step { flex-basis: 86%; }
    .owf-inf__chips--path { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .owf-inf__docs-h { flex-direction: column; align-items: flex-start; gap: 14px; }
    .owf-inf__q-head { gap: 11px; padding: 15px 0; }
    .owf-inf__q-head[aria-expanded="true"] + .owf-inf__q-wrap .owf-inf__q-a { padding: 0 26px 16px 30px; }
    .owf-inf__q-a { padding-left: 30px; padding-right: 26px; }
    .owf-inf__end-in { flex-direction: column; align-items: flex-start; }
    .owf-inf__end-btns { width: 100%; }
    .owf-inf__end-btns .owf-inf__btn { flex: 1 1 auto; }

    /* the planner readout docks: on a phone the number must stay in view
       while the sliders move, which is the whole point of the widget */
    .owf-inf__out {
        position: sticky; bottom: calc(66px + env(safe-area-inset-bottom, 0px)); top: auto;
        z-index: 25; margin-top: 18px;
        background: rgba(0, 23, 38, 0.92);
        -webkit-backdrop-filter: blur(16px) saturate(170%); backdrop-filter: blur(16px) saturate(170%);
    }
    .owf-inf__out-big { margin-bottom: 12px; }
    .owf-inf__out-num { font-size: 36px; }
    .owf-inf__out-btns .owf-inf__btn { flex: 1 1 auto; }

    /* ---- sticky action bar: the native-app move on phones ---- */
    .owf-inf__bar {
        position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
        display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px;
        padding: 9px var(--owf-gutter-mobile, 14px) calc(9px + env(safe-area-inset-bottom, 0px));
        background: rgba(255, 255, 255, 0.93);
        -webkit-backdrop-filter: blur(16px) saturate(170%); backdrop-filter: blur(16px) saturate(170%);
        border-top: 1px solid var(--inf-line-2);
        box-shadow: 0 -10px 30px -18px rgba(10, 25, 41, 0.5);
    }
    .owf-inf__bar-a {
        display: inline-flex; align-items: center; justify-content: center; gap: 7px;
        min-height: 44px; border-radius: 999px; text-decoration: none;
        font-family: var(--owf-font-display, 'Jost'), sans-serif; font-size: 12.5px; font-weight: 700;
        color: var(--owf-blue-700, #004572); background: rgba(0, 114, 190, 0.08);
        border: 1px solid rgba(0, 114, 190, 0.18);
    }
    .owf-inf__bar-a i { font-size: 14px; }
    .owf-inf__bar-a--wa { color: #0f7a48; background: rgba(37, 211, 102, 0.1); border-color: rgba(15, 122, 72, 0.22); }
    .owf-inf__bar-a--p { color: #fff; background: var(--owf-blue, #0072be); border-color: var(--owf-blue, #0072be); box-shadow: 0 10px 22px -12px rgba(0, 114, 190, 0.9); }
    .owf-inf__bar-a:focus-visible { outline: 3px solid var(--owf-red, #cc2930); outline-offset: 2px; }

    /* clear the bar so it never covers the footer's last row or #gotoTop */
    #footer { padding-bottom: 74px; }
    #gotoTop { bottom: 78px !important; }
}
@media (max-width: 400px) {
    .owf-inf__bar-a span { display: none; }
    .owf-inf__bar-a i { font-size: 17px; }
    .owf-inf__chips--ten { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* ==========================================================================
   §17 · REDUCED MOTION
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
    .inf-orb, .inf-sweep, .owf-inf__dot, .owf-inf__quote-pip { animation: none !important; }
    .owf-inf.is-ready [data-rv] { opacity: 1; transform: none; }
    .owf-inf__btn:hover, .owf-inf__chip:hover, .owf-inf__mail-copy:hover { transform: none; }
    .owf-inf__lev-i:hover .owf-inf__ico, .owf-inf__pol-i:hover .owf-inf__pol-ic { transform: none; }
    .owf-inf__bar-p, .owf-inf__bar-i, .owf-inf__docs-ring-v { transition: none; }
}

/* ==========================================================================
   §18 · PRINT
   The document kit and the instalment table are the two things a patient
   actually prints, so they must survive without their dark backgrounds.
   ========================================================================== */
@media print {
    .owf-inf__jump, .owf-inf__bar, .owf-inf__fx, .owf-inf__hero-wm,
    .owf-inf__cov-wm, .owf-inf__hr-wm, .owf-inf__pln-wm, .owf-inf__lev-wm,
    .owf-inf__faq-wm, .owf-inf__ctrl, .owf-inf__out-btns, .owf-inf__end-btns { display: none !important; }
    .owf-inf.is-ready [data-rv] { opacity: 1 !important; transform: none !important; }
    .owf-inf__pol, .owf-inf__pln, .owf-inf__end, .owf-inf__quote, .owf-inf__out {
        background: #fff !important; color: #000 !important; box-shadow: none !important;
    }
    .owf-inf__pol *, .owf-inf__pln *, .owf-inf__end *, .owf-inf__quote *, .owf-inf__out * { color: #000 !important; }
    .owf-inf__tbl { min-width: 0; }
    .owf-inf__q-wrap { grid-template-rows: 1fr !important; }
    .owf-inf__q-a { opacity: 1 !important; padding-bottom: 12px !important; }
}