.lz-insurance918{--ins-navy:#061d49;--ins-blue:#1558b0;--ins-cyan:#d8efff;--ins-ink:#152640;--ins-muted:#5d6d83;--ins-line:#dce5f0;--ins-pale:#f3f7fc;color:var(--ins-ink)}
.lz-insurance918__note,.lz-insurance918__footnote{max-width:850px;color:var(--ins-muted);font-size:.9rem;line-height:1.65}
.lz-insurance918__summary{display:grid;grid-template-columns:minmax(220px,.75fr) minmax(0,1.6fr);gap:24px;align-items:start;padding:25px 30px;border:1px solid #cdddf0;border-left:5px solid var(--ins-blue);border-radius:17px;background:#f4f8fd}
.lz-insurance918__summary strong{color:var(--ins-navy);font-size:1.06rem;line-height:1.5}
.lz-insurance918__summary p{margin:0;color:#43556e;line-height:1.7}
.lz-insurance918__section,.lz-insurance918__comparison,.lz-insurance918__insurers,.lz-insurance918__process,.lz-insurance918__links,.lz-insurance918__faq{padding-top:clamp(58px,8vw,100px)}
.lz-insurance918__section-head{max-width:860px;margin-bottom:28px}
.lz-insurance918__section-head h2,.lz-insurance918__incoterms h2{margin:9px 0 13px;color:var(--ins-navy);font-size:clamp(1.8rem,3.4vw,2.8rem);line-height:1.12;letter-spacing:-.025em}
.lz-insurance918__section-head>p:last-child,.lz-insurance918__incoterms p{color:#4b5d75;line-height:1.72}
.lz-insurance918__benefit-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}
.lz-insurance918__benefit-grid article{min-height:226px;padding:23px;border:1px solid var(--ins-line);border-radius:18px;background:#fff;box-shadow:0 12px 36px rgba(19,48,86,.035)}
.lz-insurance918__benefit-grid article>span{display:inline-grid;width:35px;height:35px;place-items:center;margin-bottom:20px;border-radius:11px;background:var(--ins-pale);color:var(--ins-blue);font-size:.77rem;font-weight:800}
.lz-insurance918__benefit-grid h3,.lz-insurance918__coverage-grid h3{margin:0 0 9px;color:var(--ins-navy);font-size:1.1rem;line-height:1.3}
.lz-insurance918__benefit-grid p,.lz-insurance918__coverage-grid p{margin:0;color:#586980;font-size:.96rem;line-height:1.65}
.lz-insurance918__table-wrap{overflow-x:auto;border:1px solid var(--ins-line);border-radius:17px;background:#fff;box-shadow:0 14px 42px rgba(19,48,86,.04)}
.lz-insurance918__table-wrap table{width:100%;min-width:680px;border-collapse:collapse;text-align:left}
.lz-insurance918__table-wrap th,.lz-insurance918__table-wrap td{padding:17px 19px;border-bottom:1px solid var(--ins-line);vertical-align:top;line-height:1.6}
.lz-insurance918__table-wrap thead th{background:var(--ins-navy);color:#fff;font-size:.92rem;font-weight:700}
.lz-insurance918__table-wrap tbody th{width:22%;color:var(--ins-navy);font-size:.93rem;font-weight:700}
.lz-insurance918__table-wrap td{color:#506078;font-size:.94rem}
.lz-insurance918__table-wrap tbody tr:last-child th,.lz-insurance918__table-wrap tbody tr:last-child td{border-bottom:0}
.lz-insurance918__note{margin:15px 0 0}
.lz-insurance918__coverage-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.lz-insurance918__coverage-grid article{padding:22px 23px;border:1px solid var(--ins-line);border-radius:17px;background:var(--ins-pale)}
.lz-insurance918__warning{margin-top:18px;padding:20px 23px;border:1px solid #f0dfb4;border-radius:15px;background:#fff9ea;color:#6c5624;font-size:.95rem;line-height:1.65}
.lz-insurance918__warning strong{color:#584314}
.lz-insurance918__incoterms{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(290px,.85fr);gap:clamp(30px,5vw,75px);align-items:center;margin-top:clamp(60px,8vw,100px);padding:clamp(28px,5vw,55px);border-radius:24px;background:linear-gradient(125deg,#eff6ff,#f7f9fc)}
.lz-insurance918__incoterms h2{max-width:650px}
.lz-insurance918__incoterms a,.lz-insurance918__link-grid a{color:var(--ins-blue);font-weight:700;text-decoration-thickness:1px;text-underline-offset:3px}
.lz-insurance918__incoterms-list{display:grid;gap:11px}
.lz-insurance918__incoterms-list>div{display:grid;grid-template-columns:63px 1fr;gap:14px;align-items:start;padding:16px 18px;border:1px solid #d9e4f2;border-radius:14px;background:#fff}
.lz-insurance918__incoterms-list b{color:var(--ins-navy);font-size:1.04rem}
.lz-insurance918__incoterms-list span{color:#586980;font-size:.93rem;line-height:1.55}
.lz-insurance918__insurers{padding-top:clamp(60px,8vw,100px)}
.lz-insurance918__steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;margin:0;padding:0;list-style:none;counter-reset:insurance-step}
.lz-insurance918__steps li{counter-increment:insurance-step;position:relative;min-height:184px;padding:24px 21px 20px;border:1px solid var(--ins-line);border-radius:17px;background:#fff}
.lz-insurance918__steps li:before{display:block;margin-bottom:22px;color:#7da2d0;font-size:.82rem;font-weight:800;content:"0" counter(insurance-step)}
.lz-insurance918__steps b,.lz-insurance918__steps span{display:block}
.lz-insurance918__steps b{margin-bottom:7px;color:var(--ins-navy);font-size:1.05rem;line-height:1.35}
.lz-insurance918__steps span{color:#586980;font-size:.94rem;line-height:1.6}
.lz-insurance918__request{display:flex;justify-content:space-between;align-items:center;gap:22px;margin-top:20px;padding:24px 27px;border-radius:17px;background:var(--ins-pale)}
.lz-insurance918__request strong{color:var(--ins-navy);font-size:1.12rem}
.lz-insurance918__request p{max-width:750px;margin:7px 0 0;color:#586980;line-height:1.6}
.lz-insurance918__link-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}
.lz-insurance918__link-grid a{display:flex;min-height:150px;flex-direction:column;gap:9px;padding:20px;border:1px solid var(--ins-line);border-radius:16px;background:#fff;text-decoration:none;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}
.lz-insurance918__link-grid a:hover{transform:translateY(-3px);border-color:#aac4e4;box-shadow:0 12px 30px rgba(13,52,101,.08)}
.lz-insurance918__link-grid strong{color:var(--ins-navy);font-size:1rem;line-height:1.35}
.lz-insurance918__link-grid span{color:#586980;font-size:.9rem;font-weight:400;line-height:1.55}
.lz-insurance918__faq-list{display:grid;gap:10px}
.lz-insurance918__faq-list details{padding:0 21px;border:1px solid var(--ins-line);border-radius:15px;background:#fff}
.lz-insurance918__faq-list summary{position:relative;padding:18px 35px 18px 0;color:var(--ins-navy);font-weight:720;line-height:1.45;cursor:pointer;list-style:none}
.lz-insurance918__faq-list summary::-webkit-details-marker{display:none}
.lz-insurance918__faq-list summary:after{position:absolute;top:50%;right:0;color:var(--ins-blue);font-size:1.35rem;content:"+";transform:translateY(-50%)}
.lz-insurance918__faq-list details[open] summary:after{content:"−"}
.lz-insurance918__faq-list details p{max-width:980px;margin:0;padding:0 0 19px;color:#586980;line-height:1.7}
.lz-insurance918__final-cta{display:flex;justify-content:space-between;align-items:center;gap:25px;margin-top:clamp(60px,8vw,100px);padding:clamp(27px,4vw,44px);border-radius:22px;background:var(--ins-navy);color:#fff}
.lz-insurance918__final-cta h2{max-width:760px;margin:7px 0 10px;color:#fff;font-size:clamp(1.7rem,3vw,2.5rem);line-height:1.15}
.lz-insurance918__final-cta p:not(.lz-eyebrow){max-width:750px;margin:0;color:#d5e2f4;line-height:1.65}
.lz-insurance918__final-cta .lz-button{flex-shrink:0}
.lz-insurance918__footnote{max-width:none;margin:20px 0 0;text-align:center;font-size:.84rem}
@media(max-width:1000px){.lz-insurance918__benefit-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.lz-insurance918__link-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.lz-insurance918__steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.lz-insurance918__summary,.lz-insurance918__incoterms{grid-template-columns:1fr}.lz-insurance918__summary{gap:9px;padding:22px}.lz-insurance918__coverage-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.lz-insurance918__incoterms{padding:25px 21px}.lz-insurance918__request,.lz-insurance918__final-cta{align-items:flex-start;flex-direction:column}.lz-insurance918__link-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.lz-insurance918__final-cta{padding:27px 23px}}
@media(max-width:520px){.lz-insurance918__benefit-grid,.lz-insurance918__coverage-grid,.lz-insurance918__steps,.lz-insurance918__link-grid{grid-template-columns:1fr}.lz-insurance918__benefit-grid article,.lz-insurance918__steps li{min-height:0}.lz-insurance918__incoterms-list>div{grid-template-columns:48px 1fr}.lz-insurance918__table-wrap th,.lz-insurance918__table-wrap td{padding:14px}.lz-insurance918__request .lz-button,.lz-insurance918__final-cta>.lz-button{width:100%;text-align:center}}
@media(prefers-reduced-motion:reduce){.lz-insurance918__link-grid a{transition:none}}