@import url('https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600&display=swap');:root{--teal:#0A4F4E;--teal-mid:#0D6B69;--teal-light:#1a8a87;--red:#C8392B;--red-dark:#A82E23;--mint:#D4EDE9;--mint-dark:#b8dcd8;--mint-deeper:#9ecec9;--soft-teal:#3D6E6C;--white:#FFFFFF;--off-white:#F8FAFA;--surface:#F2F7F7;--border:#E0EDEC;--border-dark:#c8dedd;--text-body:#374847;--text-soft:#5E7E7D;--text-muted:#8FA8A7;--text-dark:#0F1E1E;--font-d:'Space Grotesk',sans-serif;--font-b:'Inter',sans-serif;--r-sm:6px;--r-md:12px;--r-lg:18px;--r-xl:28px;--r-full:999px;--sh-xs:0 1px 3px rgba(10,79,78,.06),0 1px 2px rgba(10,79,78,.04);--sh-sm:0 2px 8px rgba(10,79,78,.08),0 1px 3px rgba(10,79,78,.05);--sh-md:0 4px 20px rgba(10,79,78,.10),0 2px 6px rgba(10,79,78,.06);--sh-lg:0 8px 40px rgba(10,79,78,.13),0 3px 10px rgba(10,79,78,.07);--sh-xl:0 16px 60px rgba(10,79,78,.18),0 6px 20px rgba(10,79,78,.10);--w-max:1160px;--gap:24px;}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;font-size:16px}body{font-family:var(--font-b);color:var(--text-body);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;max-width:100vw}img{max-width:100%;height:auto;display:block}a{color:var(--teal);text-underline-offset:3px}a:hover{color:var(--teal-mid)}ul,ol{padding-left:1.4em}button{font-family:inherit;cursor:pointer}h1,h2,h3,h4,h5{font-family:var(--font-d);color:var(--teal);line-height:1.2;font-weight:700;letter-spacing:-0.02em}h1{font-size:clamp(2rem,4.5vw,3rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem)}h3{font-size:clamp(1.1rem,2.5vw,1.4rem)}h4{font-size:1.05rem}p{margin-bottom:.9em;color:var(--text-body)}p:last-child{margin-bottom:0}strong{color:var(--text-dark);font-weight:600}.container{max-width:var(--w-max);margin:0 auto;padding:0 var(--gap)}.section{padding:80px 0}.section--alt{background:var(--off-white)}.section--surface{background:var(--surface)}.section--teal{background:var(--teal)}.section--mint{background:var(--mint)}#header-placeholder{min-height:69px}.site-header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,0.97);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--border);transition:box-shadow .2s;}.site-header.scrolled{box-shadow:var(--sh-md)}.header-inner{display:flex;align-items:center;gap:8px;height:68px;}.site-logo{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0;margin-right:auto}.logo-text{display:flex;flex-direction:column;line-height:1.1}.logo-eyebrow{font-family:var(--font-d);font-weight:600;font-size:.79rem;color:var(--teal-light);text-transform:uppercase;letter-spacing:.18em;line-height:1;display:block}.logo-name{font-family:var(--font-d);font-weight:700;font-size:1.18rem;color:var(--teal-mid);text-transform:uppercase;letter-spacing:-.01em;line-height:1.1;display:block;margin-top:1px}.logo-tag{font-family:var(--font-d);font-weight:500;font-size:.64rem;color:var(--soft-teal);letter-spacing:.14em;text-transform:uppercase;margin-top:3px;display:block}.site-nav{display:flex;align-items:center;gap:2px}.nav-item{font-size:.83rem;font-weight:500;color:var(--teal);padding:7px 13px;border-radius:var(--r-sm);background:none;border:none;text-decoration:none;display:inline-flex;align-items:center;gap:5px;transition:background .15s,color .15s;white-space:nowrap;}.nav-item:hover,.nav-item.active{background:var(--mint);color:var(--teal)}.nav-dropdown{position:relative}.dropdown-menu{position:absolute;top:calc(100%+6px);left:0;background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);box-shadow:var(--sh-lg);padding:8px;min-width:220px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,transform .18s,visibility .18s;z-index:300;}.nav-dropdown.open .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}.dropdown-menu a{display:block;padding:8px 12px;font-size:.83rem;font-weight:500;color:var(--text-body);text-decoration:none;border-radius:var(--r-sm);transition:background .12s,color .12s;}.dropdown-menu a:hover{background:var(--surface);color:var(--teal)}.header-actions{display:flex;align-items:center;gap:10px;margin-left:12px}.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;width:36px;height:36px;background:none;border:none;gap:5px;padding:6px}.mobile-nav-cta{display:none}.hamburger span{display:block;width:20px;height:2px;background:var(--teal);border-radius:2px;transition:transform .2s,opacity .2s}.hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}.hamburger.active span:nth-child(2){opacity:0}.hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-b);font-weight:600;font-size:.92rem;padding:12px 26px;border-radius:var(--r-md);border:2px solid transparent;text-decoration:none;line-height:1;white-space:nowrap;cursor:pointer;transition:background .15s,border-color .15s,color .15s,box-shadow .15s,transform .1s;}.btn:active{transform:scale(.98)}.btn-cta{background:var(--red);color:#fff;border-color:var(--red)}.btn-cta:hover{background:var(--red-dark);border-color:var(--red-dark);color:#fff;box-shadow:0 4px 16px rgba(200,57,43,.35)}.btn-outline{background:transparent;color:var(--teal);border-color:var(--teal)}.btn-outline:hover{background:var(--teal);color:#fff}.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.35)}.btn-ghost:hover{background:rgba(255,255,255,.22);color:#fff}.btn-white{background:#fff;color:var(--teal);border-color:#fff}.btn-white:hover{background:var(--mint);color:var(--teal);border-color:var(--mint)}.btn-mint{background:var(--mint);color:var(--teal);border-color:var(--mint-dark)}.btn-mint:hover{background:var(--mint-dark);color:var(--teal)}.btn-lg{font-size:1rem;padding:15px 34px}.btn-sm{font-size:.82rem;padding:9px 18px}.btn-xs{font-size:.78rem;padding:7px 14px}.trust-bar{background:var(--mint);border-bottom:1.5px solid var(--mint-dark);padding:9px 0;}.trust-bar-inner{display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap;}.trust-item{display:flex;align-items:center;gap:7px;font-size:.74rem;font-weight:600;color:var(--teal);letter-spacing:.04em;text-transform:uppercase;padding:4px 20px;}.trust-item+.trust-item{border-left:1px solid var(--mint-dark)}.trust-item svg{flex-shrink:0;opacity:.8;color:var(--teal)}.hero{background:linear-gradient(135deg,var(--teal) 0%,#0a3e3d 40%,#0c5554 100%);position:relative;overflow:hidden;padding:72px 0 88px;}.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23D4EDE9' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E") repeat;}.hero::after{content:'';position:absolute;bottom:-1px;left:0;right:0;height:60px;background:var(--white);clip-path:ellipse(60% 100% at 50% 100%);}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr 400px;gap:56px;align-items:center;}.hero-label{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.4);color:#fff;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:6px 14px;border-radius:var(--r-full);margin-bottom:18px;}.hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3.1rem);line-height:1.12;margin-bottom:18px;}.hero h1 em{color:var(--mint);font-style:normal}.hero-sub{font-size:1.05rem;color:rgba(212,237,233,.85);line-height:1.65;margin-bottom:32px;max-width:500px;}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center}.hero-trust{display:flex;flex-wrap:wrap;gap:16px;margin-top:30px;padding-top:24px;border-top:1px solid rgba(212,237,233,.2);}.hero-trust-item{display:flex;align-items:center;gap:7px;font-size:.78rem;color:rgba(212,237,233,.75);}.hero-trust-item svg{opacity:.7}.hero-card{background:#fff;border-radius:var(--r-xl);padding:32px;box-shadow:var(--sh-xl);position:relative;}.hero-card::before{content:'';position:absolute;top:-1px;left:28px;right:28px;height:3px;background:linear-gradient(90deg,var(--teal),var(--teal-light));border-radius:var(--r-full);}.hero-card-title{font-family:var(--font-d);font-weight:700;font-size:1.05rem;color:var(--teal);margin-bottom:6px;}.hero-card-sub{font-size:.83rem;color:var(--text-soft);margin-bottom:22px}.hero-card-divider{border:none;border-top:1px solid var(--border);margin:20px 0;}.hero-card-row{display:flex;align-items:center;justify-content:space-between;padding:11px 0;border-bottom:1px solid var(--surface);}.hero-card-row:last-child{border-bottom:none}.hero-card-row-label{font-size:.82rem;color:var(--text-soft);font-weight:500}.hero-card-row-val{display:flex;align-items:center;gap:6px;font-size:.82rem;font-weight:600;color:var(--teal);}.badge-partner{display:inline-block;background:var(--teal);color:#fff;font-size:.63rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:2px 7px;border-radius:var(--r-full);}.badge-enquire{display:inline-block;background:var(--surface);color:var(--soft-teal);font-size:.63rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:2px 7px;border-radius:var(--r-full);}.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-xs);}.stat-item{background:var(--white);padding:28px 24px;text-align:center;}.stat-num{font-family:var(--font-d);font-size:2.2rem;font-weight:700;color:var(--teal);line-height:1;margin-bottom:6px;letter-spacing:-0.03em;}.stat-label{font-size:.8rem;color:var(--text-soft);font-weight:500;line-height:1.4}.visa-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.visa-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-lg);overflow:hidden;text-decoration:none;display:flex;flex-direction:column;transition:border-color .15s,box-shadow .15s,transform .15s;}.visa-card:hover{border-color:var(--teal);box-shadow:var(--sh-md);transform:translateY(-3px);text-decoration:none;}.visa-card-header{padding:18px 20px 16px;display:flex;align-items:center;gap:13px;position:relative;overflow:hidden;flex-shrink:0;}.visa-card-header::after{content:'';position:absolute;right:-24px;bottom:-24px;width:88px;height:88px;border-radius:50%;background:rgba(255,255,255,.07);pointer-events:none;}.visa-card-body{padding:14px 20px 18px;display:flex;flex-direction:column;flex:1;border-top:1px solid var(--border);}.visa-icon{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;flex-shrink:0;}.visa-title{font-family:var(--font-d);font-weight:700;font-size:.97rem;color:#fff;line-height:1.22;}.visa-desc{font-size:.8rem;color:var(--text-soft);line-height:1.5;margin:0 0 12px;flex-grow:1;}.visa-arrow{font-size:.78rem;font-weight:600;color:var(--teal);display:flex;align-items:center;gap:4px;margin-top:auto;}.visa-card--cta{border-color:var(--teal)}.visa-card--cta .visa-card-body{background:var(--teal);border-top-color:rgba(255,255,255,.15);}.visa-card--cta .visa-desc{color:rgba(255,255,255,.8);margin-bottom:12px}.visa-card--cta .visa-arrow{color:var(--mint)}.visa-card--cta:hover{border-color:var(--soft-teal);transform:translateY(-3px);box-shadow:var(--sh-md)}.insurer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.insurer-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-lg);overflow:hidden;transition:border-color .15s,box-shadow .15s,transform .15s;display:flex;flex-direction:column;}.insurer-card:hover{border-color:var(--mint-dark);box-shadow:var(--sh-md);transform:translateY(-2px)}.insurer-card--partner{border-color:var(--teal)}.insurer-accent{height:5px;width:100%;flex-shrink:0}.insurer-initials{width:38px;height:38px;border-radius:50%;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-family:var(--font-d);font-weight:800;font-size:.72rem;color:#fff;letter-spacing:.02em;}.insurer-name-group{display:flex;align-items:center;gap:10px;min-width:0}.insurer-card-head{padding:18px 22px 16px;border-bottom:1px solid var(--surface);}.insurer-card-head-row{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:12px}.insurer-name{font-family:var(--font-d);font-weight:700;font-size:1.25rem;color:var(--teal)}.insurer-badge{display:inline-flex;align-items:center;gap:4px;font-size:.67rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:var(--r-full);white-space:nowrap;}.insurer-badge--partner{background:var(--teal);color:#fff}.insurer-badge--info{background:var(--surface);color:var(--soft-teal);border:1px solid var(--border)}.insurer-rating{display:flex;align-items:center;gap:8px}.stars{color:#F59E0B;font-size:1rem;letter-spacing:1px}.rating-score{font-family:var(--font-d);font-weight:700;font-size:.95rem;color:var(--text-dark)}.rating-count{font-size:.72rem;color:var(--text-muted)}.insurer-desc{font-size:.84rem;color:var(--text-soft);line-height:1.55;margin:0}.insurer-card-meta{display:grid;grid-template-columns:repeat(3,1fr);padding:14px 22px;gap:12px;border-bottom:1px solid var(--surface);}.meta-item{}.meta-label{font-size:.68rem;font-weight:600;color:var(--text-muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:3px}.meta-val{font-family:var(--font-d);font-weight:700;font-size:.9rem;color:var(--teal)}.insurer-card-footer{padding:16px 22px;display:flex;gap:10px;margin-top:auto;flex-wrap:wrap;}.compare-wrap{border:1.5px solid var(--border);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-sm);position:relative;}.compare-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%;}.compare-scroll-hint{display:none;font-size:.75rem;color:var(--text-muted);text-align:right;padding:4px 6px 0;letter-spacing:.01em;}table.compare{width:100%;border-collapse:collapse;font-size:.87rem}.compare thead th{background:var(--teal);color:#fff;font-family:var(--font-d);font-weight:600;font-size:.8rem;text-align:left;padding:13px 16px;white-space:nowrap;letter-spacing:.01em;}.compare thead th:first-child{min-width:130px}.compare tbody td{padding:13px 16px;border-bottom:1px solid var(--surface);color:var(--text-body);vertical-align:middle;}.compare tbody tr:last-child td{border-bottom:none}.compare tbody tr:nth-child(even) td{background:rgba(242,247,247,.6)}.compare tbody tr:hover td{background:var(--mint);cursor:default}.compare .col-label{font-weight:600;color:var(--teal);white-space:nowrap}.compare .yes{color:#16a34a;font-weight:700}.compare .no{color:var(--red)}.price-tag{display:inline-flex;align-items:center;background:var(--surface);border:1px solid var(--border);color:var(--teal);font-weight:700;font-size:.8rem;padding:3px 9px;border-radius:var(--r-full);}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.trust-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-lg);padding:28px 24px;transition:box-shadow .15s;}.trust-card:hover{box-shadow:var(--sh-md)}.trust-icon{width:48px;height:48px;border-radius:var(--r-md);background:var(--mint);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}.trust-card h3{font-size:1rem;margin-bottom:8px}.trust-card p{font-size:.87rem;color:var(--text-soft);margin:0;line-height:1.6}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.guide-card{background:var(--white);border:1.5px solid var(--border);border-top:3px solid var(--teal);border-radius:var(--r-lg);padding:22px 22px 18px;text-decoration:none;display:flex;flex-direction:column;gap:10px;transition:border-color .15s,box-shadow .18s,transform .18s;position:relative;overflow:hidden;}.guide-card::before{content:'';position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,79,78,.03) 0%,transparent 40%);pointer-events:none;}.guide-card:hover{border-color:var(--teal);box-shadow:var(--sh-md);transform:translateY(-3px);text-decoration:none;}.guide-pill{display:inline-flex;background:var(--mint);border:1px solid var(--mint-dark);color:var(--teal);font-size:.67rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;padding:3px 9px;border-radius:var(--r-full);align-self:flex-start;}.guide-title{font-family:var(--font-d);font-weight:700;font-size:1rem;color:var(--teal);line-height:1.3;}.guide-desc{font-size:.83rem;color:var(--text-soft);line-height:1.58;margin:0;flex-grow:1}.guide-link{font-size:.82rem;font-weight:700;color:var(--teal);margin-top:auto;display:inline-flex;align-items:center;gap:4px;letter-spacing:.01em;}.guide-card:hover .guide-link{text-decoration:underline;text-underline-offset:3px}.nation-outer{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}.nation-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.nation-card{background:var(--white);border:1.5px solid var(--mint-dark);border-radius:var(--r-md);padding:15px 16px;text-decoration:none;display:flex;align-items:center;gap:11px;transition:border-color .15s,box-shadow .15s,transform .15s;}.nation-card:hover{border-color:var(--teal);box-shadow:var(--sh-sm);transform:translateY(-1px);text-decoration:none;}.nation-card--cta{background:var(--teal);border-color:var(--teal);}.nation-card--cta:hover{background:var(--teal-mid);border-color:var(--teal-mid);}.nation-flag{font-size:1.4rem;flex-shrink:0;line-height:1}.nation-name{font-family:var(--font-d);font-weight:700;font-size:.88rem;color:var(--teal);}.nation-sub{font-size:.74rem;color:var(--text-soft);margin-top:1px}.nation-card--cta .nation-name{color:#fff}.nation-card--cta .nation-sub{color:var(--mint)}.faq-list{display:flex;flex-direction:column}.faq-item{border-bottom:1px solid var(--border)}.faq-item:first-child{border-top:1px solid var(--border)}.faq-q{width:100%;background:none;border:none;text-align:left;padding:17px 0;font-family:var(--font-b);font-size:.97rem;font-weight:500;color:var(--teal);display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;transition:color .15s;}.faq-q:hover{color:var(--teal-mid)}.faq-icon{flex-shrink:0;width:22px;height:22px;border-radius:50%;border:1.5px solid var(--border-dark);display:flex;align-items:center;justify-content:center;font-size:1rem;font-weight:300;color:var(--teal);transition:transform .2s,background .15s,border-color .15s;}.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--teal);border-color:var(--teal);color:#fff}.faq-a{display:none;padding:0 0 17px;font-size:.92rem;color:var(--text-body);line-height:1.7;}.faq-item.open .faq-a{display:block}.sh{text-align:center;max-width:620px;margin:0 auto 52px}.sh-pill{display:inline-flex;align-items:center;gap:6px;background:var(--mint);border:1px solid var(--mint-dark);color:var(--teal);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 13px;border-radius:var(--r-full);margin-bottom:14px;}.sh h2{margin-bottom:12px}.sh p{color:var(--text-soft);font-size:.97rem;margin:0}.callout{background:var(--mint);border-left:4px solid var(--teal);border-radius:0 var(--r-md) var(--r-md) 0;padding:15px 20px;margin:24px 0;font-size:.93rem;}.callout p{margin:0;color:var(--teal)}.callout--warn{background:#FEF3C7;border-left-color:#D97706}.callout--warn p{color:#92400E}.pill{display:inline-flex;align-items:center;gap:6px;background:var(--mint);border:1px solid var(--mint-dark);color:var(--teal);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 13px;border-radius:var(--r-full);}.cta-band{background:linear-gradient(135deg,var(--teal) 0%,var(--teal-mid) 100%);padding:72px 0;text-align:center;position:relative;overflow:hidden;}.cta-band::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23D4EDE9' fill-opacity='0.05' fill-rule='evenodd'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E") repeat;}.cta-band .container{position:relative;z-index:1}.cta-band h2{color:#fff;margin-bottom:12px}.cta-band p{color:rgba(212,237,233,.85);max-width:480px;margin:0 auto 32px;font-size:1.02rem}.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}.site-footer{background:var(--teal);color:rgba(212,237,233,.75);padding:48px 0 28px}.site-footer p,.site-footer li{color:rgba(212,237,233,.75)}.footer-top{display:grid;grid-template-columns:2fr 3fr;gap:40px;padding-bottom:36px;border-bottom:1px solid rgba(212,237,233,.12);}.footer-cols-wrap{display:grid;grid-template-columns:1fr 1fr 1fr;gap:32px;}.footer-logo{display:flex;align-items:center;gap:10px;margin-bottom:12px}.footer-logo span{font-family:var(--font-d);font-weight:700;font-size:.82rem;color:#fff;text-transform:uppercase;letter-spacing:.02em}.footer-brand p{font-size:.83rem;line-height:1.6;max-width:260px;color:rgba(212,237,233,.65);margin-bottom:.55em;}.footer-author{font-size:.74rem;color:rgba(212,237,233,.4);margin-top:10px!important}.footer-col h4{font-family:var(--font-d);font-weight:700;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mint);margin-bottom:12px;}.footer-col ul{list-style:none;padding:0;display:flex;flex-direction:column;gap:6px}.footer-col li{color:rgba(212,237,233,.7)}.footer-col a{font-size:.82rem;color:rgba(212,237,233,.7);text-decoration:none;transition:color .15s}.footer-col a:hover{color:#fff}.footer-bottom{padding-top:22px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;}.footer-legal{display:flex;gap:16px;flex-wrap:wrap;flex-shrink:0}.footer-legal a{font-size:.72rem;color:rgba(212,237,233,.5);text-decoration:none}.footer-legal a:hover{color:#fff}.footer-copy{text-align:center;font-size:.68rem;color:rgba(212,237,233,.28);margin-top:20px}.breadcrumb{display:none}.breadcrumb a{color:var(--soft-teal);text-decoration:none}.breadcrumb a:hover{text-decoration:underline}.breadcrumb-sep{color:var(--border-dark)}.hs-form-wrapper .hs-form fieldset{max-width:100%!important}.hs-form-wrapper .hs-form input[type="text"],.hs-form-wrapper .hs-form input[type="email"],.hs-form-wrapper .hs-form input[type="tel"],.hs-form-wrapper .hs-form select,.hs-form-wrapper .hs-form textarea{width:100%!important;max-width:100%!important;border:1.5px solid var(--border)!important;border-radius:var(--r-sm)!important;padding:10px 13px!important;font-family:var(--font-b)!important;font-size:.88rem!important;color:var(--text-dark)!important;background:var(--white)!important;transition:border-color .15s!important;}.hs-form-wrapper .hs-form input:focus,.hs-form-wrapper .hs-form select:focus{outline:none!important;border-color:var(--teal)!important;box-shadow:0 0 0 3px rgba(10,79,78,.1)!important;}.hs-form-wrapper .hs-form label{font-size:.82rem!important;font-weight:500!important;color:var(--teal)!important;display:block!important;margin-bottom:5px!important;}.hs-form-wrapper .hs-form .hs-submit input[type="submit"]{background:var(--red)!important;color:#fff!important;border:none!important;border-radius:var(--r-md)!important;padding:12px 24px!important;font-family:var(--font-b)!important;font-size:.92rem!important;font-weight:600!important;cursor:pointer!important;width:100%!important;transition:background .15s!important;}.hs-form-wrapper .hs-form .hs-submit input:hover{background:var(--red-dark)!important}.split-layout{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}.split-cards{display:flex;flex-direction:column;gap:16px}.article-layout{display:grid;grid-template-columns:1fr 300px;gap:52px;align-items:start}.article-body h2{margin:40px 0 14px;padding-top:4px}.article-body h3{margin:28px 0 10px}.article-body p{margin-bottom:1em}.article-sidebar{position:sticky;top:88px;display:flex;flex-direction:column;gap:16px}.sidebar-box{background:var(--off-white);border:1.5px solid var(--border);border-radius:var(--r-lg);padding:22px;margin-bottom:20px}.sidebar-box h4{font-size:.93rem;margin-bottom:10px}.sidebar-card{background:var(--off-white);border:1.5px solid var(--border);border-radius:var(--r-lg);padding:20px}.sidebar-card-title{font-family:var(--font-d);font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}.sidebar-cta{background:var(--teal);border-radius:var(--r-lg);padding:22px}.sidebar-cta-title{font-family:var(--font-d);font-weight:700;font-size:1rem;color:#fff;margin-bottom:8px}.sidebar-cta-sub{font-size:.83rem;color:rgba(212,237,233,.8);line-height:1.55;margin-bottom:16px}.toc-nav{display:flex;flex-direction:column}.toc-link{display:block;font-size:.83rem;color:var(--text-body);text-decoration:none;padding:7px 0;border-bottom:1px solid var(--border)}.toc-link:last-child{border-bottom:none}.toc-link:hover{color:var(--teal)}.tc{text-align:center}.mt8{margin-top:8px}.mt16{margin-top:16px}.mt24{margin-top:24px}.mt32{margin-top:32px}.mt48{margin-top:48px}.mt56{margin-top:56px}.mb8{margin-bottom:8px}.mb16{margin-bottom:16px}.mb24{margin-bottom:24px}@keyframes navIn{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}@media(max-width:1020px){.hero-grid{grid-template-columns:1fr;gap:40px}.hero-card{display:none}.insurer-grid{grid-template-columns:repeat(2,1fr)}.visa-grid{grid-template-columns:repeat(2,1fr)}.footer-top{grid-template-columns:1fr;gap:24px}.footer-cols-wrap{grid-template-columns:1fr 1fr 1fr}.stat-row{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:1fr}.article-sidebar{position:static}}@media(max-width:760px){:root{--gap:16px}.container{padding-left:20px;padding-right:20px}.section{padding:52px 0}.visa-grid{grid-template-columns:1fr}.insurer-grid{grid-template-columns:1fr}.guide-grid{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr}.stat-row{grid-template-columns:repeat(2,1fr)}.split-layout{grid-template-columns:1fr;gap:32px}.nation-outer{grid-template-columns:1fr;gap:32px}.nation-grid{grid-template-columns:1fr 1fr}.site-header{overflow:visible}.site-nav{display:none;position:absolute;top:68px;left:0;right:0;max-height:calc(100svh - 68px);background:var(--white);overflow-y:auto;flex-direction:column;align-items:stretch;padding:0;border-top:1px solid var(--border);box-shadow:0 8px 32px rgba(10,79,78,.18);z-index:199;}.site-nav.mobile-open{display:flex;animation:navIn .18s ease forwards;}.nav-dropdown{position:static;width:100%;border-bottom:1px solid var(--border)}.nav-toggle-item{width:100%;justify-content:space-between;padding:16px var(--gap);border-radius:0;font-size:.95rem;font-weight:600;border:none;background:none;}.nav-toggle-item:hover{background:var(--surface)}.nav-item:not(.nav-toggle-item){display:block;width:100%;padding:16px var(--gap);font-size:.95rem;font-weight:600;border-radius:0;border-bottom:1px solid var(--border);}.nav-item:hover,.nav-item.active{background:var(--surface);color:var(--teal)}.dropdown-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;border-top:1px solid var(--border);background:var(--off-white);border-radius:0;padding:6px 0 10px;margin:0;display:none;}.dropdown-menu a{padding:11px calc(var(--gap)+12px);font-size:.87rem;font-weight:500;border-radius:0;color:var(--text-body);}.dropdown-menu a:hover{background:var(--mint);color:var(--teal)}.nav-dropdown.open .dropdown-menu{display:block}.hamburger{display:flex}.header-actions .btn-cta{display:none}.footer-top{grid-template-columns:1fr;gap:0;}.footer-brand{padding-bottom:24px;border-bottom:1px solid rgba(212,237,233,.1);margin-bottom:24px}.footer-cols-wrap{display:grid;grid-template-columns:1fr 1fr;gap:24px 32px}.footer-bottom{flex-direction:column;gap:14px}.footer-legal{gap:12px;justify-content:center}.footer-copy{margin-top:16px}.mobile-nav-cta{display:flex;padding:16px var(--gap);border-bottom:2px solid var(--border);}.mobile-nav-cta .btn{width:100%;justify-content:center}}@media(max-width:480px){.visa-grid{grid-template-columns:1fr}h1{font-size:1.75rem}}@media(max-width:760px){.compare-scroll-hint{display:block}table.compare{font-size:.78rem;min-width:560px}.compare thead th{padding:10px 10px}.compare tbody td{padding:10px 10px}.compare thead th:first-child{min-width:100px}.compare .col-waiting,.compare th.col-waiting{display:none}}@media(max-width:480px){table.compare{font-size:.74rem;min-width:480px}.compare thead th{padding:8px 8px}.compare tbody td{padding:8px 8px}.compare .col-preexisting,.compare th.col-preexisting{display:none}}