.claims-who-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-who-page *{box-sizing:border-box}.claims-who-nav{position:fixed;top:0;left:0;right:0;z-index:200;display:flex;align-items:center;justify-content:space-between;padding:20px 40px;background:#0a0f1ef5;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}.claims-who-nav-logo,.claims-who-footer-logo{font-family:Bebas Neue,sans-serif;font-size:28px;letter-spacing:2px;color:var(--text);text-decoration:none}.claims-who-footer-logo{font-size:22px}.claims-who-nav-logo span,.claims-who-footer-logo span{color:var(--accent)}.claims-who-nav-links,.claims-who-footer-nav{display:flex;gap:24px;align-items:center;flex-wrap:wrap}.claims-who-nav-links a,.claims-who-footer-nav a{color:var(--muted);text-decoration:none;font-size:14px;font-weight:500;transition:color .2s}.claims-who-nav-links a:hover,.claims-who-nav-links a.active,.claims-who-footer-nav a:hover{color:var(--text)}.claims-who-nav-cta{display:inline-flex;align-items:center;justify-content:center;background:#e85d2f!important;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;text-transform:uppercase;white-space:nowrap;box-shadow:0 10px 24px #e85d2f33}.claims-who-btn-primary,.claims-who-btn-secondary,.claims-who-btn-teal{text-decoration:none;display:inline-flex;align-items:center;gap:10px;transition:all .2s;cursor:pointer}.claims-who-btn-primary,.claims-who-btn-teal{padding:16px 36px;border-radius:4px;font-weight:700;font-size:14px;letter-spacing:1px;text-transform:uppercase;border:none}.claims-who-btn-primary{background:var(--accent);color:#fff}.claims-who-btn-primary:hover{background:#d44e22;transform:translateY(-1px)}.claims-who-btn-secondary{border:1px solid var(--border);color:var(--light);padding:14px 28px;border-radius:4px;font-weight:500;font-size:14px;background:none}.claims-who-btn-secondary:hover{border-color:var(--muted);color:var(--text)}.claims-who-btn-teal{background:var(--teal);color:var(--navy)}.claims-who-btn-teal:hover{background:#0da08a;transform:translateY(-1px)}@keyframes claimsWhoFadeUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}@keyframes claimsWhoFadeIn{0%{opacity:0}to{opacity:1}}@keyframes claimsWhoPulse{0%,to{opacity:1;transform:scale(1)}50%{opacity:.4;transform:scale(.8)}}.claims-who-hero{padding:132px 40px 0;background:var(--navy);position:relative;overflow:hidden}.claims-who-hero-bg{position:absolute;top:0;right:0;bottom:0;left:0;z-index:0;background:radial-gradient(ellipse 60% 60% at 90% 20%,rgba(232,93,47,.06) 0%,transparent 55%),radial-gradient(ellipse 40% 50% at 5% 80%,rgba(15,184,160,.05) 0%,transparent 50%),repeating-linear-gradient(0deg,transparent,transparent 39px,rgba(30,45,69,.18) 39px,rgba(30,45,69,.18) 40px),repeating-linear-gradient(90deg,transparent,transparent 39px,rgba(30,45,69,.08) 39px,rgba(30,45,69,.08) 40px)}.claims-who-hero-inner{position:relative;z-index:1;text-align:center;max-width:820px;margin:0 auto;padding-bottom:60px}.claims-who-hero-eyebrow{display:inline-flex;align-items:center;gap:10px;background:#e85d2f1a;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:24px;animation:claimsWhoFadeUp .5s ease both}.claims-who-pulse-dot{width:6px;height:6px;background:var(--accent);border-radius:50%;animation:claimsWhoPulse 2s infinite}.claims-who-hero h1{font-family:Bebas Neue,sans-serif;font-size:clamp(60px,9vw,108px);line-height:.92;letter-spacing:1px;margin-bottom:24px;animation:claimsWhoFadeUp .5s .1s ease both}.claims-who-hero .h1-w,.claims-who-hero .h1-o{display:block}.claims-who-hero .h1-w,.claims-who-white{color:var(--text)}.claims-who-hero .h1-o,.claims-who-red{color:var(--accent)}.claims-who-amber{color:var(--accent2)}.claims-who-teal{color:var(--teal)}.claims-who-hero-sub{font-size:18px;color:var(--light);font-weight:300;line-height:1.75;max-width:580px;margin:0 auto 48px;animation:claimsWhoFadeUp .5s .2s ease both}.claims-who-audience-switcher{position:sticky;top:81px;z-index:150;background:#0a0f1ef7;-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);padding:0 40px;display:flex;justify-content:center;overflow-x:auto;max-width:1280px;margin:0 auto}.claims-who-aud-tab{padding:0 40px;height:64px;display:flex;align-items:center;gap:12px;cursor:pointer;transition:all .2s;border:none;border-bottom:3px solid transparent;font-size:15px;font-weight:600;color:var(--muted);-webkit-user-select:none;-moz-user-select:none;user-select:none;white-space:nowrap;background:transparent}.claims-who-aud-tab:hover{color:var(--light)}.claims-who-aud-tab.active-carriers{color:var(--accent);border-bottom-color:var(--accent)}.claims-who-aud-tab.active-tpas{color:var(--accent2);border-bottom-color:var(--accent2)}.claims-who-aud-tab.active-adjusters{color:var(--teal);border-bottom-color:var(--teal)}.claims-who-aud-icon{font-size:20px}.claims-who-aud-count,.claims-who-sec-label,.claims-who-ps-col-label,.claims-who-fc-tag,.claims-who-or-label,.claims-who-dtl-col-label,.claims-who-ti-flag,.claims-who-qp-cred,.claims-who-cap-bar-label span,.claims-who-cap-bar-label,.claims-who-wf-body,.claims-who-cc-col-sub,.claims-who-footer-info{font-family:DM Mono,monospace}.claims-who-aud-count{font-size:9px;text-transform:uppercase;letter-spacing:1px;padding:2px 7px;border-radius:2px;margin-left:4px}.ac-red{background:#e85d2f1f;color:var(--accent)}.ac-amber{background:#f5a6231a;color:var(--accent2)}.ac-teal{background:#0fb8a01f;color:var(--teal)}.claims-who-persona-panel{display:none;animation:claimsWhoFadeIn .35s ease both}.claims-who-persona-panel.active{display:block}.claims-who-sec{padding:88px 40px}.claims-who-sec-alt{background:var(--deep)}.claims-who-sec-dark{background:var(--navy)}.claims-who-sec-label{font-size:11px;text-transform:uppercase;letter-spacing:3px;margin-bottom:14px;text-align:center}.claims-who-centered-label{margin-bottom:16px}.lbl-red{color:var(--accent)}.lbl-teal{color:var(--teal)}.lbl-amber{color:var(--accent2)}.claims-who-sec h2,.claims-who-persona-cta h2{font-family:Bebas Neue,sans-serif;font-size:clamp(40px,5vw,62px);line-height:1;letter-spacing:1px;margin-bottom:16px;text-align:center}.claims-who-mid-heading{margin-bottom:20px!important;font-size:clamp(32px,4vw,48px)!important}.claims-who-sec-intro,.claims-who-persona-cta p,.claims-who-what-copy{font-size:17px;color:var(--light);font-weight:300;line-height:1.75;max-width:600px;margin:0 auto 48px;text-align:center}.claims-who-sec>.claims-who-sec-label,.claims-who-sec>h2,.claims-who-sec>.claims-who-sec-intro,.claims-who-persona-cta>.claims-who-sec-label,.claims-who-persona-cta>h2,.claims-who-persona-cta>p{max-width:760px;margin-left:auto;margin-right:auto}.claims-who-problem-split,.claims-who-outcome-row{background:var(--border);border-radius:8px;overflow:hidden}.claims-who-problem-split{display:grid;grid-template-columns:1fr 1fr;gap:2px;margin-bottom:48px}.claims-who-ps-col,.claims-who-feature-card,.claims-who-role-card,.claims-who-quote-pull,.claims-who-cc-col,.claims-who-what-card{background:var(--panel);border:1px solid var(--border);border-radius:8px}.claims-who-ps-col{padding:36px;border:none;border-radius:0}.claims-who-ps-col-label{font-size:9px;text-transform:uppercase;letter-spacing:2px;padding:4px 12px;border-radius:2px;display:inline-block;margin-bottom:20px}.label-problem{background:#e85d2f1f;color:var(--accent)}.label-solution{background:#0fb8a01f;color:var(--teal)}.claims-who-ps-col h3,.claims-who-fc-title,.claims-who-ti-action,.claims-who-role-card-title,.claims-who-cc-col-title,.claims-who-what-title{font-size:18px;font-weight:700;color:var(--text);margin-bottom:16px;line-height:1.4}.claims-who-ps-list{display:flex;flex-direction:column;gap:12px}.claims-who-ps-item,.claims-who-role-win,.claims-who-cc-row{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--light);line-height:1.7}.claims-who-ps-bullet{flex-shrink:0;margin-top:3px;font-size:12px}.bul-red{color:var(--accent)}.bul-teal{color:var(--teal)}.claims-who-outcome-row{display:grid;grid-template-columns:repeat(4,1fr);margin-bottom:48px;border:1px solid var(--border)}.claims-who-or-item{padding:28px 24px;border-right:1px solid var(--border);text-align:center;background:var(--panel)}.claims-who-or-item:last-child{border-right:none}.claims-who-or-num{font-family:Bebas Neue,sans-serif;font-size:48px;line-height:1;letter-spacing:1px;margin-bottom:6px}.claims-who-or-num.red{color:var(--accent)}.claims-who-or-num.teal{color:var(--teal)}.claims-who-or-num.amber{color:var(--accent2)}.claims-who-or-label{font-size:10px;text-transform:uppercase;letter-spacing:1.5px;color:var(--muted)}.claims-who-role-grid,.claims-who-feature-grid{display:grid;gap:20px}.claims-who-role-grid{grid-template-columns:repeat(3,1fr);margin-top:48px}.claims-who-role-card{overflow:hidden;transition:all .2s}.claims-who-role-card:hover,.claims-who-feature-card:hover,.claims-who-conv-card:hover{transform:translateY(-2px)}.claims-who-role-card.top-red{border-top:3px solid var(--accent)}.claims-who-role-card.top-amber{border-top:3px solid var(--accent2)}.claims-who-role-card.top-teal{border-top:3px solid var(--teal)}.claims-who-role-card-top{padding:28px 28px 20px;border-bottom:1px solid var(--border)}.claims-who-role-card-icon,.claims-who-fc-icon{font-size:32px;margin-bottom:12px}.claims-who-role-card-subtitle,.claims-who-ti-detail,.claims-who-fc-body,.claims-who-cc-col-sub,.claims-who-what-body{font-size:12px;color:var(--muted);line-height:1.6}.claims-who-role-card-body{padding:20px 28px}.claims-who-role-win{padding:8px 0;border-bottom:1px solid rgba(30,45,69,.5);font-size:13px}.claims-who-role-win:last-child{border-bottom:none}.claims-who-rw-check,.claims-who-cc-icon.teal{color:var(--teal);flex-shrink:0;font-size:12px}.claims-who-cc-icon.red{color:var(--accent);flex-shrink:0;font-size:14px}.claims-who-feature-grid{grid-template-columns:repeat(3,1fr)}.claims-who-feature-card{padding:28px;transition:all .2s}.claims-who-feature-card:hover{border-color:#1e2d45e6}.claims-who-feature-card.span2{grid-column:span 2}.claims-who-feature-card.top-red{border-top:3px solid var(--accent)}.claims-who-feature-card.top-teal{border-top:3px solid var(--teal)}.claims-who-feature-card.top-amber{border-top:3px solid var(--accent2)}.claims-who-card-stack{margin-bottom:20px}.claims-who-fc-tag{font-size:9px;text-transform:uppercase;letter-spacing:1.5px;padding:3px 9px;border-radius:2px;margin-bottom:14px;display:inline-block}.claims-who-fc-tag.red{background:#e85d2f1f;color:var(--accent)}.claims-who-fc-tag.teal{background:#0fb8a01f;color:var(--teal)}.claims-who-fc-tag.amber{background:#f5a6231a;color:var(--accent2)}.claims-who-fc-title{font-size:15px;margin-bottom:8px}.claims-who-fc-body{font-size:13px;line-height:1.75}.claims-who-fc-body strong{color:var(--light);font-weight:600}.claims-who-fc-metric{margin-top:14px;padding-top:14px;border-top:1px solid var(--border);font-family:Bebas Neue,sans-serif;font-size:28px;letter-spacing:1px;line-height:1}.claims-who-fc-metric.red{color:var(--accent)}.claims-who-fc-metric.teal{color:var(--teal)}.claims-who-fc-metric-label{font-family:DM 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var(--border)}.claims-who-persona-cta p{max-width:520px;margin:0 auto 36px}.claims-who-sec>*,.claims-who-persona-cta>*{max-width:1120px;margin-left:auto;margin-right:auto}.claims-who-cta-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}.claims-who-day-timeline,.claims-who-capability-layout,.claims-who-checklist-compare{display:grid;gap:24px}.claims-who-day-timeline{grid-template-columns:1fr 1fr;gap:32px;align-items:start}.claims-who-dtl-col-label{font-size:10px;text-transform:uppercase;letter-spacing:2px;padding:6px 16px;border-radius:2px;margin-bottom:24px;display:inline-flex;align-items:center;gap:8px}.dtl-before{background:#e85d2f14;color:var(--accent);border:1px solid rgba(232,93,47,.2)}.dtl-after{background:#0fb8a014;color:var(--teal);border:1px solid rgba(15,184,160,.2)}.claims-who-timeline-item{display:flex;gap:16px;margin-bottom:16px;padding:16px;background:var(--panel);border-radius:6px;border:1px solid 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1fr;gap:48px;align-items:start}.claims-who-cap-bars{display:flex;flex-direction:column;gap:12px}.claims-who-cap-bar-label{display:flex;justify-content:space-between;font-size:13px;color:var(--light);margin-bottom:6px;font-weight:500;gap:12px}.claims-who-cap-bar-label span{font-size:11px;color:var(--muted)}.claims-who-cap-bar-track{height:8px;background:var(--border);border-radius:4px;overflow:hidden}.claims-who-cap-bar-fill{height:100%;border-radius:4px;position:relative;overflow:hidden}.claims-who-cap-bar-fill:after{content:"";position:absolute;top:0;right:0;bottom:0;left:0;background:linear-gradient(90deg,#ffffff1a,#fff0);animation:claimsWhoPulse 2s infinite}.fill-red{background:linear-gradient(90deg,var(--accent),#f07040)}.fill-teal{background:linear-gradient(90deg,var(--teal),#20d4be)}.fill-amber{background:linear-gradient(90deg,var(--accent2),#ffc444)}.claims-who-what-it-isnt{padding-top:60px;padding-bottom:60px}.claims-who-what-wrap{max-width:800px;margin:0 auto;text-align:center}.claims-who-what-copy{font-size:16px;margin-bottom:32px}.claims-who-what-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;text-align:left}.claims-who-what-card{padding:20px}.claims-who-what-icon{font-size:20px;margin-bottom:10px}.claims-who-what-title{font-size:13px;margin-bottom:6px}.claims-who-what-body{font-size:12px}.claims-who-workflow{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-bottom:48px}.claims-who-workflow:before{content:"";position:absolute;top:36px;left:10%;right:10%;height:2px;background:linear-gradient(90deg,var(--accent),var(--teal));z-index:0}.claims-who-wf-step{text-align:center;padding:0 16px;position:relative;z-index:1}.claims-who-wf-num{width:72px;height:72px;border-radius:50%;margin:0 auto 16px;display:flex;align-items:center;justify-content:center;font-family:Bebas Neue,sans-serif;font-size:24px;border:2px solid;position:relative}.claims-who-wf-num.red{background:#e85d2f1a;border-color:var(--accent);color:var(--accent)}.claims-who-wf-num.teal{background:#0fb8a01a;border-color:var(--teal);color:var(--teal)}.claims-who-wf-num.amber{background:#f5a62314;border-color:var(--accent2);color:var(--accent2)}.claims-who-wf-title{font-size:14px;font-weight:700;color:var(--text);margin-bottom:6px}.claims-who-wf-body{font-size:12px;color:var(--muted);line-height:1.6}.claims-who-checklist-compare{grid-template-columns:1fr 1fr;margin-top:48px}.claims-who-cc-col{padding:32px}.claims-who-cc-col.featured{border-color:#0fb8a04d;background:#0fb8a008}.claims-who-cc-col-head{display:flex;align-items:center;gap:12px;margin-bottom:20px;padding-bottom:16px;border-bottom:1px solid var(--border)}.claims-who-cc-col-title{font-size:16px;margin-bottom:0}.claims-who-cc-col-title.teal{color:var(--teal)}.claims-who-cc-row{padding:8px 0;border-bottom:1px solid rgba(30,45,69,.4);font-size:13px;color:var(--light)}.claims-who-cc-row:last-child{border-bottom:none}.claims-who-footer{background:#070c17;padding:36px 40px;border-top:1px solid var(--border);display:flex;justify-content:space-between;align-items:center;gap:20px}.claims-who-footer-nav{gap:24px;flex-wrap:wrap;justify-content:center}.claims-who-footer-nav a{font-size:13px}.claims-who-footer-info{font-size:11px;color:var(--muted);text-align:right;line-height:1.8}@media (max-width: 1200px){.claims-who-nav{padding:16px 24px}.claims-who-nav-links{gap:16px;flex-wrap:wrap;justify-content:flex-end}}@media (max-width: 900px){.claims-who-nav{padding:16px 24px}.claims-who-nav-links{gap:16px;flex-wrap:wrap;justify-content:flex-end}.claims-who-hero{padding:120px 24px 0}.claims-who-audience-switcher{padding:0 24px;justify-content:flex-start}.claims-who-aud-tab{padding:0 20px;font-size:13px}.claims-who-sec,.claims-who-persona-cta,.claims-who-footer{padding-left:24px;padding-right:24px}.claims-who-sec{padding-top:60px;padding-bottom:60px}.claims-who-problem-split,.claims-who-feature-grid,.claims-who-day-timeline,.claims-who-role-grid,.claims-who-capability-layout,.claims-who-checklist-compare,.claims-who-what-grid{grid-template-columns:1fr}.claims-who-feature-card.span2{grid-column:span 1}.claims-who-outcome-row,.claims-who-workflow{grid-template-columns:1fr 1fr}.claims-who-workflow:before{display:none}.claims-who-quote-pull{grid-template-columns:1fr}.claims-who-qp-avatar{display:none}.claims-who-footer{flex-direction:column;text-align:center}.claims-who-footer-info{text-align:center}}@media (max-width: 640px){.claims-who-nav{position:static;flex-direction:column;align-items:flex-start;gap:12px;padding:16px 20px}.claims-who-nav-links{width:100%;justify-content:flex-start;gap:12px 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