.claims-how-page{--navy: #0a0f1e;--deep: #0d1529;--panel: #111827;--border: #1e2d45;--accent: #e85d2f;--accent2: #f5a623;--teal: #0fb8a0;--text: #e8ecf4;--muted: #7a8ba0;--light: #c4cdd8;background:var(--navy);color:var(--text);font-family:DM Sans,sans-serif;overflow-x:hidden}.claims-how-page *{box-sizing:border-box}.claims-how-nav{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:20px 40px;background:#0a0f1eeb;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}.claims-how-nav-logo,.claims-how-footer-logo{font-family:Bebas Neue,sans-serif;font-size:28px;letter-spacing:2px;color:var(--text);text-decoration:none}.claims-how-footer-logo{font-size:22px}.claims-how-nav-logo span,.claims-how-footer-logo span{color:var(--accent)}.claims-how-nav-links,.claims-how-footer-nav{display:flex;gap:24px;align-items:center;flex-wrap:wrap}.claims-how-nav-links a,.claims-how-footer-nav a{color:var(--muted);text-decoration:none;font-size:14px;font-weight:500;letter-spacing:.5px;transition:color .2s}.claims-how-nav-links a:hover,.claims-how-nav-links a.active,.claims-how-footer-nav a:hover{color:var(--text)}.claims-how-nav-cta{display:inline-flex;align-items:center;justify-content:center;background:#e85d2f;color:#fff!important;padding:10px 24px;border-radius:4px;border:1px solid rgba(232,93,47,.85);font-weight:600!important;font-size:13px!important;letter-spacing:1px!important;text-transform:uppercase;white-space:nowrap;box-shadow:0 10px 24px #e85d2f33}.claims-how-nav-cta:hover{background:#d44e22!important}.claims-how-section,.claims-how-security-strip{padding:88px 40px}.claims-how-section-label{font-family:DM Mono,monospace;font-size:11px;text-transform:uppercase;letter-spacing:3px;color:var(--teal);margin-bottom:16px;font-weight:500;text-align:center}.claims-how-section-label.red{color:var(--accent)}.claims-how-page h2{font-family:Bebas Neue,sans-serif;font-size:clamp(42px,5vw,64px);line-height:1;letter-spacing:1px;margin:0 0 20px;color:var(--text);text-align:center}.claims-how-section-intro{font-size:18px;color:var(--light);font-weight:300;line-height:1.7;max-width:640px;margin:0 auto 60px;text-align:center}.claims-how-section>.claims-how-section-label,.claims-how-section>h2,.claims-how-section>.claims-how-section-intro,.claims-how-security-strip>.claims-how-section-label,.claims-how-security-strip>h2,.claims-how-security-strip>.claims-how-section-intro,.claims-how-final-cta>.claims-how-section-label,.claims-how-final-cta>h2,.claims-how-final-cta>p{max-width:760px;margin-left:auto;margin-right:auto}.claims-how-btn-primary,.claims-how-btn-secondary,.claims-how-test-offer-btn{text-decoration:none}.claims-how-btn-primary{background:var(--accent);color:#fff;padding:16px 36px;border-radius:4px;font-weight:700;font-size:14px;letter-spacing:1px;text-transform:uppercase;display:inline-flex;align-items:center;gap:10px;transition:all .2s;border:none;cursor:pointer}.claims-how-btn-primary:hover{background:#d44e22;transform:translateY(-1px)}.claims-how-btn-secondary{border:1px solid var(--border);color:var(--light);padding:16px 32px;border-radius:4px;font-weight:500;font-size:14px;letter-spacing:.5px;display:inline-flex;align-items:center;gap:8px;transition:all .2s}.claims-how-btn-secondary:hover{border-color:var(--muted);color:var(--text)}.claims-how-btn-large{font-size:15px;padding:18px 40px}.claims-how-hero{padding:152px 40px 88px;background:var(--navy);position:relative;overflow:hidden}.claims-how-hero-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:0;background:radial-gradient(ellipse 70% 80% at 80% 30%,rgba(232,93,47,.07) 0%,transparent 60%),radial-gradient(ellipse 50% 60% at 10% 70%,rgba(15,184,160,.05) 0%,transparent 50%),repeating-linear-gradient(0deg,transparent,transparent 39px,rgba(30,45,69,.25) 39px,rgba(30,45,69,.25) 40px),repeating-linear-gradient(90deg,transparent,transparent 39px,rgba(30,45,69,.12) 39px,rgba(30,45,69,.12) 40px)}.claims-how-hero-content{position:relative;z-index:1;max-width:860px;margin:0 auto;text-align:center}.claims-how-eyebrow{display:inline-flex;align-items:center;gap:10px;background:#e85d2f1f;border:1px solid rgba(232,93,47,.3);padding:6px 16px;border-radius:2px;font-family:DM Mono,monospace;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--accent);margin-bottom:32px}.claims-how-hero h1{font-family:Bebas Neue,sans-serif;font-size:clamp(56px,8vw,100px);line-height:.95;letter-spacing:1px;margin:0 0 28px}.claims-how-hero h1 .line-white{color:var(--text);display:block}.claims-how-hero h1 .line-orange{color:var(--accent);display:block}.claims-how-hero-sub{font-size:19px;color:var(--light);font-weight:300;line-height:1.7;max-width:720px;margin:0 auto 40px}.claims-how-hero-sub strong,.claims-how-step-desc strong,.claims-how-faq-a strong{color:var(--text);font-weight:600}.claims-how-hero-actions,.claims-how-cta-actions{display:flex;gap:16px;align-items:center;flex-wrap:wrap;justify-content:center}.claims-how-objection-strip{background:var(--deep);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:0 60px;display:grid;grid-template-columns:repeat(3,1fr)}.claims-how-objection-item{padding:36px 40px 36px 0;border-right:1px solid var(--border)}.claims-how-objection-item:nth-child(2){padding-left:40px}.claims-how-objection-item:last-child{border-right:none;padding-left:40px;padding-right:0}.claims-how-objection-q{font-family:DM Mono,monospace;font-size:10px;text-transform:uppercase;letter-spacing:2px;color:var(--accent2);margin-bottom:10px}.claims-how-objection-a{font-size:15px;color:var(--light);line-height:1.6}.claims-how-objection-a strong{color:var(--text);font-weight:600}.claims-how-workflow,.claims-how-personas,.claims-how-vs-section,.claims-how-faq-section{background:var(--navy)}.claims-how-steps-container{position:relative}.claims-how-steps-container:before{content:"";position:absolute;left:39px;top:60px;bottom:60px;width:2px;background:linear-gradient(180deg,var(--accent) 0%,var(--accent2) 33%,var(--teal) 66%,rgba(15,184,160,.2) 100%);z-index:0}.claims-how-step{display:grid;grid-template-columns:80px 1fr;gap:40px;margin-bottom:64px;position:relative;z-index:1}.claims-how-step:last-child{margin-bottom:0}.claims-how-step-num-wrap{display:flex;flex-direction:column;align-items:center}.claims-how-step-num{width:80px;height:80px;border-radius:50%;background:var(--panel);border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-family:Bebas Neue,sans-serif;font-size:32px;color:var(--muted);transition:all .3s}.claims-how-step:hover .claims-how-step-num{background:var(--accent);border-color:var(--accent);color:#fff;box-shadow:0 0 32px #e85d2f59}.claims-how-step.teal:hover .claims-how-step-num{background:var(--teal);border-color:var(--teal);box-shadow:0 0 32px #0fb8a059}.claims-how-step-body,.claims-how-persona-card,.claims-how-faq-item,.claims-how-report-category,.claims-how-sec-card{background:var(--panel);border:1px solid var(--border);border-radius:8px}.claims-how-step-body{padding:36px 40px;transition:all .2s}.claims-how-step:hover .claims-how-step-body{border-color:#e85d2f4d}.claims-how-step.teal:hover .claims-how-step-body{border-color:#0fb8a04d}.claims-how-step-tag,.claims-how-sec-badge{display:inline-block;font-family:DM Mono,monospace;font-size:9px;text-transform:uppercase;letter-spacing:2px;padding:3px 10px;border-radius:2px;margin-bottom:16px}.tag-input{background:#e85d2f1f;color:var(--accent)}.tag-ai{background:#f5a6231f;color:var(--accent2)}.tag-output{background:#0fb8a01f;color:var(--teal)}.tag-action{background:#e85d2f14;color:var(--light);border:1px solid var(--border)}.claims-how-step-title,.claims-how-cb-title,.claims-how-persona-name{font-family:Bebas Neue,sans-serif;letter-spacing:1px;color:var(--text)}.claims-how-step-title{font-size:32px;margin-bottom:12px}.claims-how-step-desc{font-size:15px;color:var(--light);line-height:1.75;margin:0 0 24px;font-weight:300}.claims-how-step-details{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:24px}.claims-how-step-detail,.claims-how-chip{background:var(--deep);border:1px solid var(--border)}.claims-how-step-detail{border-radius:6px;padding:16px 18px}.claims-how-step-detail h4{font-size:13px;font-weight:600;color:var(--text);margin:0 0 6px}.claims-how-step-detail p{font-size:12px;color:var(--muted);line-height:1.5;margin:0}.claims-how-file-chips,.claims-how-cb-chips{display:flex;flex-wrap:wrap;gap:8px}.claims-how-file-chips{margin-bottom:20px}.claims-how-chip{border-radius:3px;padding:4px 12px;font-family:DM Mono,monospace;font-size:11px;color:var(--muted);letter-spacing:.5px}.claims-how-chip.active{border-color:var(--teal);color:var(--teal);background:#0fb8a00f}.claims-how-step-metric{display:inline-flex;align-items:center;gap:12px;background:#e85d2f14;border:1px solid rgba(232,93,47,.2);border-radius:4px;padding:10px 18px}.claims-how-step-metric.teal-metric{background:#0fb8a014;border-color:#0fb8a033}.claims-how-step-metric-num{font-family:Bebas Neue,sans-serif;font-size:28px;color:var(--accent);line-height:1;letter-spacing:1px}.claims-how-step-metric.teal-metric .claims-how-step-metric-num{color:var(--teal)}.claims-how-step-metric-label{font-size:13px;color:var(--muted);line-height:1.4;max-width:180px}.claims-how-report-section,.claims-how-timeline-section,.claims-how-security-strip,.claims-how-final-cta{background:var(--deep)}.claims-how-report-heading{max-width:760px;margin:0 auto 40px;text-align:center}.claims-how-report-tabs{display:flex;gap:0;margin-bottom:40px;border:1px solid var(--border);border-radius:6px;overflow:auto;background:var(--panel);width:-moz-fit-content;width:fit-content;max-width:100%;margin-left:auto;margin-right:auto}.claims-how-rtab{padding:12px 24px;font-size:13px;font-weight:500;color:var(--muted);border-right:1px solid var(--border);white-space:nowrap}.claims-how-rtab:last-child{border-right:none}.claims-how-rtab.active{background:var(--accent);color:#fff}.claims-how-rtab.carrier{background:#e85d2f26;color:var(--accent)}.claims-how-report-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.claims-how-report-category:hover{border-color:#e85d2f40}.claims-how-rc-header{padding:20px 24px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between}.claims-how-rc-title{font-size:14px;font-weight:700;color:var(--text);letter-spacing:.3px}.claims-how-rc-count{font-family:DM Mono,monospace;font-size:10px;color:var(--muted);letter-spacing:1px}.claims-how-rc-body{padding:16px 24px}.claims-how-rc-item{display:flex;align-items:center;gap:10px;padding:7px 0;border-bottom:1px solid rgba(30,45,69,.5);font-size:13px}.claims-how-rc-item:last-child{border-bottom:none}.claims-how-rc-dot{width:5px;height:5px;border-radius:50%;background:var(--teal);flex-shrink:0}.claims-how-rc-item.included{color:var(--light)}.claims-how-carrier-banner{background:#e85d2f0f;border:1px solid rgba(232,93,47,.2);border-radius:8px;padding:32px 36px;margin-top:24px;position:relative;overflow:hidden;grid-column:span 2}.claims-how-carrier-banner:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--accent),var(--accent2),var(--teal))}.claims-how-cb-label{font-family:DM Mono,monospace;font-size:10px;letter-spacing:3px;text-transform:uppercase;color:var(--accent);margin-bottom:12px}.claims-how-cb-title{font-size:32px;margin-bottom:12px}.claims-how-cb-desc{font-size:15px;color:var(--light);line-height:1.6;margin:0 0 24px}.claims-how-cb-chip{background:#e85d2f1a;border:1px solid rgba(232,93,47,.25);border-radius:3px;padding:6px 14px;font-size:13px;color:var(--light);font-weight:500}.claims-how-persona-grid,.claims-how-faq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.claims-how-faq-grid{grid-template-columns:1fr 1fr}.claims-how-persona-card,.claims-how-faq-item{padding:36px 28px;transition:all .2s}.claims-how-persona-card:hover{border-color:var(--teal);transform:translateY(-2px)}.claims-how-faq-item:hover{border-color:#e85d2f33}.claims-how-persona-icon,.claims-how-sec-icon,.claims-how-test-offer-icon{font-size:28px;margin-bottom:16px}.claims-how-persona-role,.claims-how-tl-time{font-family:DM Mono,monospace;font-size:10px;text-transform:uppercase;letter-spacing:2px}.claims-how-persona-role{color:var(--teal);margin-bottom:8px}.claims-how-persona-name{font-size:28px;margin-bottom:12px}.claims-how-persona-problem{font-size:14px;color:var(--muted);line-height:1.6;margin:0 0 20px;padding-bottom:20px;border-bottom:1px solid var(--border);font-style:italic}.claims-how-persona-wins{display:flex;flex-direction:column;gap:10px}.claims-how-persona-win{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:var(--light);line-height:1.5}.claims-how-win-check{width:18px;height:18px;background:#0fb8a01f;border:1px solid rgba(15,184,160,.3);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:9px;color:var(--teal);flex-shrink:0;margin-top:1px}.claims-how-security-intro{margin-bottom:0}.claims-how-security-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);border:1px solid var(--border);border-radius:8px;overflow:hidden;margin-top:48px}.claims-how-sec-card{padding:32px 28px;border-radius:0;transition:background .2s}.claims-how-sec-card:hover{background:#161f30}.claims-how-sec-title,.claims-how-faq-q,.claims-how-test-offer-text h4,.claims-how-tl-title{font-size:15px;font-weight:700;color:var(--text);margin:0 0 8px}.claims-how-sec-desc,.claims-how-tl-desc{font-size:13px;color:var(--muted);line-height:1.6;margin:0}.claims-how-sec-badge{margin-top:16px;background:#0fb8a01a;color:var(--teal);border:1px solid rgba(15,184,160,.2)}.claims-how-comparison-table{width:100%;border-collapse:collapse;border:1px solid var(--border);border-radius:8px;overflow:hidden;margin-top:48px}.claims-how-comparison-table th{padding:20px 28px;text-align:left;background:var(--panel);border-bottom:1px solid var(--border);font-size:13px;font-weight:700}.claims-how-comparison-table th.highlight{background:#e85d2f14;border-bottom-color:#e85d2f4d;color:var(--accent)}.claims-how-comparison-table th:first-child{font-family:DM Mono,monospace;font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--muted);font-weight:500}.claims-how-comparison-table td{padding:16px 28px;border-bottom:1px solid var(--border);font-size:14px;color:var(--muted);vertical-align:top}.claims-how-comparison-table tr:last-child td{border-bottom:none}.claims-how-comparison-table td:first-child{color:var(--light);font-weight:500}.claims-how-comparison-table td.highlight{background:#e85d2f08;color:var(--text)}.claims-how-comparison-table tr:hover td{background:#ffffff03}.claims-how-comparison-table tr:hover td.highlight{background:#e85d2f0d}.yes{color:var(--teal);font-weight:600}.no{color:var(--muted);opacity:.6}.partial{color:var(--accent2)}.claims-how-timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:48px;position:relative}.claims-how-timeline:before{content:"";position:absolute;top:32px;left:10%;right:10%;height:2px;background:linear-gradient(90deg,var(--accent),var(--accent2),var(--teal),rgba(15,184,160,.3));z-index:0}.claims-how-tl-item{display:flex;flex-direction:column;align-items:center;text-align:center;padding:0 20px;position:relative;z-index:1}.claims-how-tl-dot{width:64px;height:64px;border-radius:50%;background:var(--panel);border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:20px;position:relative;z-index:2}.claims-how-tl-item.done .claims-how-tl-dot{border-color:var(--accent);background:#e85d2f1a}.claims-how-tl-item.done2 .claims-how-tl-dot{border-color:var(--accent2);background:#f5a6231a}.claims-how-tl-item.done3 .claims-how-tl-dot{border-color:var(--teal);background:#0fb8a01a}.claims-how-tl-time{color:var(--accent);margin-bottom:8px}.claims-how-tl-item.done2 .claims-how-tl-time{color:var(--accent2)}.claims-how-tl-item.done3 .claims-how-tl-time{color:var(--teal)}.claims-how-faq-a,.claims-how-test-offer-text p,.claims-how-final-cta p{font-size:14px;color:var(--muted);line-height:1.7;margin:0}.claims-how-final-cta{text-align:center;padding:104px 40px;border-top:1px solid var(--border);position:relative;overflow:hidden}.claims-how-final-cta:before{content:"";position:absolute;top:0;right:0;bottom:0;left:0;z-index:0;background:radial-gradient(ellipse 60% 80% at 50% 100%,rgba(232,93,47,.08) 0%,transparent 60%)}.claims-how-final-cta>*{position:relative;z-index:1}.claims-how-section>*,.claims-how-security-strip>*,.claims-how-final-cta>*{max-width:1120px;margin-left:auto;margin-right:auto}.claims-how-final-cta h2{font-size:clamp(48px,6vw,80px);margin-bottom:20px}.claims-how-final-cta p{font-size:18px;max-width:560px;margin:0 auto 48px}.claims-how-test-offer-wrap{margin-top:48px;max-width:1120px;margin-left:auto;margin-right:auto}.claims-how-test-offer{margin:0 auto;display:inline-flex;align-items:center;gap:16px;background:var(--panel);border:1px solid var(--border);border-radius:8px;padding:20px 32px}.claims-how-test-offer-text{text-align:left}.claims-how-test-offer-btn{background:var(--teal);color:var(--navy);padding:10px 22px;border-radius:4px;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1px;flex-shrink:0;transition:all .2s}.claims-how-test-offer-btn:hover{background:#0da08a}.claims-how-final-contact,.claims-how-footer-info{font-size:13px;color:var(--muted)}.claims-how-final-contact{margin-top:32px}.claims-how-footer{background:#070c17;padding:40px;border-top:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;gap:20px}.claims-how-footer-nav{gap:24px}.claims-how-footer-nav a{font-size:13px}.claims-how-footer-info{font-family:DM Mono,monospace;font-size:11px;text-align:right;line-height:1.8}@keyframes claimsHowFadeUp{0%{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}.claims-how-eyebrow{animation:claimsHowFadeUp .6s ease both}.claims-how-hero h1{animation:claimsHowFadeUp .6s .1s ease both}.claims-how-hero-sub{animation:claimsHowFadeUp .6s .2s ease both}.claims-how-hero-actions{animation:claimsHowFadeUp .6s .3s ease both}@media (max-width: 1200px){.claims-how-nav{padding:16px 24px}.claims-how-nav-links{gap:16px;flex-wrap:wrap;justify-content:flex-end}}@media (max-width: 900px){.claims-how-nav{padding:16px 24px}.claims-how-nav-links{gap:16px;flex-wrap:wrap;justify-content:flex-end}.claims-how-section,.claims-how-hero,.claims-how-security-strip,.claims-how-final-cta{padding:60px 24px}.claims-how-objection-strip{padding:0 24px;grid-template-columns:1fr}.claims-how-objection-item,.claims-how-objection-item:nth-child(2),.claims-how-objection-item:last-child{padding:28px 0;border-right:none;border-bottom:1px solid var(--border)}.claims-how-objection-item:last-child{border-bottom:none}.claims-how-step{grid-template-columns:60px 1fr;gap:20px}.claims-how-step-num{width:60px;height:60px;font-size:24px}.claims-how-steps-container:before{left:29px}.claims-how-step-details,.claims-how-report-grid,.claims-how-faq-grid,.claims-how-persona-grid{grid-template-columns:1fr}.claims-how-carrier-banner{grid-column:span 1}.claims-how-security-grid{grid-template-columns:1fr 1fr}.claims-how-comparison-table th,.claims-how-comparison-table td{padding:12px 16px}.claims-how-timeline{grid-template-columns:1fr 1fr;gap:32px}.claims-how-timeline:before{display:none}.claims-how-cta-actions,.claims-how-test-offer,.claims-how-footer{flex-direction:column}.claims-how-test-offer,.claims-how-footer,.claims-how-test-offer-text,.claims-how-footer-info{text-align:center}.claims-how-footer-nav{flex-wrap:wrap;justify-content:center}}@media (max-width: 640px){.claims-how-nav{position:static;flex-direction:column;align-items:flex-start;gap:12px;padding:16px 20px}.claims-how-nav-links{width:100%;justify-content:flex-start;gap:12px 16px}.claims-how-section,.claims-how-hero,.claims-how-security-strip,.claims-how-final-cta,.claims-how-footer{padding-left:20px;padding-right:20px}.claims-how-hero{padding-top:40px}.claims-how-security-grid,.claims-how-timeline{grid-template-columns:1fr}}
