.hero{background:var(--primary);color:var(--white);padding:80px 0 60px;text-align:center}.hero h1{color:var(--white);margin-bottom:16px}.hero .section-label{margin-bottom:16px}.hero-subtitle{font-size:19px;color:#ffffffd9;max-width:600px;margin:0 auto;line-height:1.7}.bring-section{background:var(--white)}.bring-grid{display:flex;flex-direction:column;gap:40px}.bring-content h2{margin-bottom:12px}.bring-content p{color:var(--text-medium);max-width:600px}.bring-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px}.bring-item{display:flex;gap:16px;align-items:flex-start;padding:24px}.bring-item:hover{transform:none}.bring-icon{flex-shrink:0;margin-top:2px}.bring-item strong{display:block;font-size:17px;color:var(--text-dark);margin-bottom:4px}.bring-item p{font-size:15px;color:var(--text-medium);line-height:1.6;margin-bottom:0}.expect-section{background:var(--off-white)}.expect-inner h2{text-align:center;margin-bottom:40px}.expect-inner .section-label{text-align:center}.expect-steps{display:flex;flex-direction:column;gap:32px}.expect-step{display:flex;gap:24px;align-items:flex-start}.step-number{flex-shrink:0;width:48px;height:48px;background:var(--primary);color:var(--white);font-family:"Noto Serif",Georgia,serif;font-size:22px;font-weight:700;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-top:2px}.step-content h3{font-size:22px;margin-bottom:8px}.step-content p{color:var(--text-medium);line-height:1.7}.expect-note{margin-top:32px;padding:20px 24px;background:var(--white);border-radius:var(--radius);border-left:4px solid var(--accent);color:var(--text-medium);font-size:16px;line-height:1.7}.insurance-section{background:var(--white)}.insurance-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:start}.insurance-content h2{margin-bottom:20px}.insurance-content p{color:var(--text-medium);line-height:1.8}.insurance-content a{font-weight:600}.insurance-card{text-align:center;padding:40px 32px}.insurance-card h3{margin-bottom:12px}.insurance-card p{color:var(--text-medium);font-size:16px;line-height:1.7;margin-bottom:24px}.forms-section{background:var(--off-white)}.forms-inner{text-align:center}.forms-inner h2{margin-bottom:16px}.forms-intro{color:var(--text-medium);line-height:1.8;margin-bottom:32px}.forms-intro strong{color:var(--text-dark);font-weight:600}.forms-grid{display:flex;justify-content:center;margin:0 auto 32px;max-width:540px;text-align:left}.forms-grid .form-download{flex:1}.form-download{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:18px;padding:24px 28px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);text-decoration:none;color:var(--text-dark);transition:all var(--transition-smooth)}.form-download:hover{border-color:var(--primary);transform:translateY(-2px);box-shadow:var(--shadow-medium)}.form-download-primary{background:var(--primary);color:var(--white);border-color:var(--primary)}.form-download-primary:hover{background:var(--primary-light);border-color:var(--primary-light);color:var(--white)}.form-download-icon{color:var(--primary);display:flex;align-items:center}.form-download-primary .form-download-icon{color:var(--accent-soft)}.form-download-text{display:flex;flex-direction:column;gap:4px}.form-download-text strong{font-size:17px;font-weight:600}.form-download-text span{font-size:14px;color:var(--text-medium);line-height:1.4}.form-download-primary .form-download-text span{color:#ffffffd9}.form-download-arrow{font-size:22px;font-weight:700;color:var(--primary)}.form-download-primary .form-download-arrow{color:var(--accent-soft)}.forms-note{font-size:15px;color:var(--text-medium);font-style:italic;line-height:1.7}.page-closing{background:var(--off-white);text-align:center;padding:48px 0;border-top:1px solid var(--border)}.closing-text{font-size:17px;color:var(--text-medium);margin:0}.closing-text a{color:var(--primary);text-decoration:none}.closing-text a:hover{color:var(--primary-light)}.closing-text strong{color:var(--primary)}@media(max-width:968px){.bring-cards{grid-template-columns:1fr}.insurance-grid{grid-template-columns:1fr;gap:32px}.forms-grid{grid-template-columns:1fr}}@media(max-width:768px){.expect-step{gap:16px}.step-number{width:40px;height:40px;font-size:18px}}@media(max-width:480px){.hero{padding:60px 0 48px}}