.insurance-page-preview {
    width: 100%;
    margin: 0;
    line-height: 0;
    height: 390px;
}

.insurance-page-preview img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
}

/* --- heading & breadcrumbs (below preview) --- */
.insurance-page-head {
    padding-top: 1.5rem;
    padding-bottom: 0;
}

.insurance-page-head .pal-back {
    margin-bottom: 0;
}

.insurance-page-head__title {
    margin: 24px 0 52px;
    padding: 0;
}

/* Специфичнее, чем pal/redesign `h2` и `.program-new__design-page h2` */
body.program-new__design-page .insurance-page-head h2.insurance-page-head__subtitle {
    margin: 0;
    padding: 0;
    margin-bottom: 32px;
    color: #4D4D4F;
    font-size: 32px;
    font-style: normal;
    font-weight: 700;
    line-height: 130%;
}

/* --- tabs --- */
.insurance-tabs {
    padding-top: 0;
    padding-bottom: 24px;
}

.insurance-tabs__list {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    flex-wrap: wrap;
    gap: 24px;
    margin: 0 0 40px;
    padding: 0;
    list-style: none;
}

.insurance-tabs__tab {
    box-sizing: border-box;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 16px;
    width: 100%;
    padding: 24px;
    margin: 0;
    font-family: inherit;
    color: #4D4D4F;
    text-align: center;
    font-size: 20px;
    font-weight: 700;
    line-height: 120%;
    border-radius: 12px;
    border: 1px solid #DBDBDB;
    background-color: #fff;
    background-image: none;
    -webkit-appearance: none;
    appearance: none;
    cursor: pointer;
    transition: background 0.2s ease, background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

/* :hover оставляем для устройств с hover; основной эффект — класс из insurance.js (перебивает pal `button`) */
.insurance-tabs__tab:hover:not(.insurance-tabs__tab--active) {
    background: var(--green-light-bg, #e8efd5);
    border-color: #b0bda0;
}

.insurance-tabs__tab--active:hover {
    background-color: #9daa4a;
    border-color: #9daa4a;
}

.insurance-tabs__tab--pointer-over:not(.insurance-tabs__tab--active) {
    background: var(--green-light-bg, #e8efd5) !important;
    border-color: #b0bda0 !important;
}

.insurance-tabs__tab--active.insurance-tabs__tab--pointer-over {
    background-color: #9daa4a !important;
    border-color: #9daa4a !important;
}

/* Тач: нет mouseenter — краткая подсветка при нажатии */
@media (hover: none) {
    .insurance-tabs__tab:active:not(.insurance-tabs__tab--active) {
        background: var(--green-light-bg, #e8efd5);
        border-color: #b0bda0;
    }

    .insurance-tabs__tab--active:active {
        background-color: #9daa4a;
        border-color: #9daa4a;
    }
}

body.program-new__design-page .insurance-tabs .insurance-tabs__tab:hover:not(.insurance-tabs__tab--active) {
    background: var(--green-light-bg, #e8efd5);
    border-color: #b0bda0;
}

body.program-new__design-page .insurance-tabs .insurance-tabs__tab.insurance-tabs__tab--active:hover {
    background-color: #9daa4a;
    border-color: #9daa4a;
}

.insurance-tabs__tab:focus {
    outline: 2px solid #95AE3C;
    outline-offset: 2px;
}

.insurance-tabs__tab:focus:not(:focus-visible) {
    outline: none;
}

.insurance-tabs__tab--active {
    color: #ffffff;
    background-color: #95AE3C;
    border-color: #95AE3C;
}

.insurance-tabs__icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 80px;
    height: 80px;
    flex-shrink: 0;
}

.insurance-tabs__icon img {
    max-width: 100%;
    max-height: 100%;
    width: auto;
    height: auto;
    object-fit: contain;
    display: block;
    transition: filter 0.2s ease;
}

.insurance-tabs__tab--active .insurance-tabs__icon img {
    filter: brightness(0) invert(1);
}

.insurance-tabs__label {
    display: block;
}

.insurance-tabs__panels {
    position: relative;
}

.insurance-tabs__panel {
    margin: 0;
}

.insurance-tabs__panel[hidden] {
    display: none !important;
}

@keyframes insurance-panel-in {
    from {
        transform: translateY(8px);
    }
    to {
        transform: translateY(0);
    }
}

.insurance-tabs__panel--enter {
    animation: insurance-panel-in 0.4s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}

@media (prefers-reduced-motion: reduce) {
    .insurance-tabs__panel--enter {
        animation: none;
        transform: none;
    }
}

.insurance-tabs__placeholder {
    min-height: 12rem;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 2rem;
    font-size: 1rem;
    color: #989c9d;
    text-align: center;
    background: #f7f9fa;
    border: 1px dashed #d0d4d8;
    border-radius: 12px;
}

/* --- accordion (card style, scoped to insurance page) --- */
.insurance-accordeon.pal-accordeon .pal-accordeon__item {
    border: 1px solid #dbdbdb;
    border-radius: 10px;
    margin-bottom: 1rem;
    overflow: hidden;
    background-color: #fff;
    border-bottom: 1px solid #dbdbdb;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__item:last-child {
    margin-bottom: 0;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__item:hover {
    border-color: #cfcfcf;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__item.pal-active {
    border-color: #dbdbdb;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__heading {
    position: relative;
    display: flex;
    align-items: center;
    padding-top: 1.5rem;
    padding-bottom: 1.5rem;
    padding-left: 1.5rem;
    padding-right: 3.5rem;
    background-color: #F8F9F7;
    cursor: pointer;
    transition: background-color 0.2s ease;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__item.pal-active .pal-accordeon__heading {
    background-color: #F8F9F7;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__title {
    margin: 0;
    max-width: none;
    padding: 0;
    font-size: 1rem;
    font-weight: 700;
    line-height: 1.35;
    color: #242424;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__icon {
    right: 1.125rem;
    top: 50%;
    opacity: 1;
    color: #95ae3c;
    animation: none !important;
    transform: translate3d(0, -50%, 0);
    transition: transform 0.3s cubic-bezier(0.23, 1, 0.32, 1);
}

.insurance-accordeon.pal-accordeon .pal-accordeon__icon .pal-icon {
    display: block;
    color: #95ae3c;
    fill: #95ae3c;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__icon svg {
    display: block;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__item.pal-active .pal-accordeon__icon {
    animation: none !important;
    transform: translate3d(0, -50%, 0) rotate(-180deg);
}

.insurance-accordeon.pal-accordeon .pal-accordeon__content {
    padding-left: 1.25rem;
    padding-right: 1.25rem;
    font-size: 1rem;
    background-color: #fff;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__item.pal-active .pal-accordeon__content {
    border-top: 1px solid #e3e6e9;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__text {
    padding: 1.25rem 0 1.5rem;
    color: #4d4d4f;
}

.insurance-accordeon.pal-accordeon .pal-accordeon__text.pal-content {
    font-size: 1rem;
    line-height: 1.5;
}

@media (max-width: 768px) {
    .insurance-accordeon.pal-accordeon .pal-accordeon__title {
        font-size: 0.9375rem;
    }

    .insurance-accordeon.pal-accordeon .pal-accordeon__content {
        font-size: 0.9375rem;
    }
}

@media (max-width: 767px) {
    .insurance-tabs__list {
        display: flex;
        flex-direction: column;
        grid-template-columns: none;
        gap: 8px;
        margin: 0 0 32px;
        overflow-x: visible;
        padding: 0;
    }

    .insurance-tabs__tab {
        flex-direction: row;
        align-items: center;
        justify-content: flex-start;
        gap: 16px;
        width: 100%;
        min-height: 0;
        padding: 12px;
        text-align: left;
        font-size: 20px;
        border-radius: 12px;
        border-color: #e0e0e0;
    }

    .insurance-tabs__icon {
        width: 40px;
        height: 40px;
    }

    .insurance-tabs__label {
        text-align: left;
        flex: 1;
    }
}

/* --- news (3 cards, News/_block) --- */
.insurance-page-news {
    padding-top: 0;
    padding-bottom: 0;
}

.insurance-news__title {
    margin: 0 0 32px !important;
    padding: 0 !important;
    color: #4d4d4f;
    font-size: 32px;
    font-weight: 700;
    line-height: 130%;
}

.insurance-news__all {
    display: inline-flex;
    align-items: center;
    gap: 0.35em;
    color: #4d4d4f;
    font-size: 18px;
    font-weight: 600;
    line-height: 1.3;
    text-decoration: none;
    transition: color 0.2s ease;
}

.insurance-news__all:hover {
    color: #95ae3c;
}

.insurance-news__all-arrow {
    font-size: 1.1em;
    line-height: 1;
    transition: transform 0.2s ease;
}

.insurance-news__all:hover .insurance-news__all-arrow {
    transform: translateX(3px);
}

/* 2 колонки (parts-2-lg): без «висячей» третьей карточки; в 1 колонку (parts-collapse-sm) — снова все три */
@media only screen and (max-width: 1024px) and (min-width: 541px) {
    .insurance-page-news .pal-articles .parts-row > .col:nth-child(3) {
        display: none;
    }
}

/* --- documents (same pattern as program page) --- */
.insurance-documents {
    margin-bottom: 80px;
}

.insurance-documents__title {
    margin: 0 0 32px !important;
    padding: 0 !important;
    color: #4D4D4F;
    font-size: 32px;
    font-style: normal;
    font-weight: 700;
    line-height: 130%;  
}

/* --- notify / contacts block --- */
.insurance-notify {
    padding: 24px;
    margin-bottom: 80px;
    background-color: #F8F9F7;
    border: 1px solid #DBDBDB;
    border-radius: 12px;
}

.insurance-notify__title {
    margin: 0 0 20px;
    text-align: center;
    font-size: 18px;
    font-weight: 700;
    line-height: 1.35;
    color: #242424;
}

.insurance-notify__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.insurance-notify__card {
    box-sizing: border-box;
    display: grid;
    grid-template-columns: 1fr;
    grid-template-rows: 1fr auto;
    gap: 12px;
    align-items: center;
    justify-content: center;
    min-height: 176px;
    padding: 24px 20px;
    background-color: #fff;
    border: 1px solid #dbdbdb;
    border-radius: 10px;
    text-align: center;
    transition: background-color 0.2s ease, border-color 0.2s ease;
}

.insurance-notify__card:hover {
    border-radius: 10px;
    border: 1px solid #dbdbdb;
    background: var(--green-light-bg, #e8efd5);
}

.insurance-notify__card--link {
    text-decoration: none;
    color: inherit;
}

.insurance-notify__card--link:focus-visible {
    outline: 2px solid #95ae3c;
    outline-offset: 2px;
}

.insurance-notify__logo-container {
    display: flex;
    align-items: center;
    justify-content: center;
}

.insurance-notify__logo {
    width: 68px;
    max-width: 100%;
    height: auto;
}

.insurance-notify__card-title {
    color: #4D4D4F;
    text-align: center;
    font-size: 20px;
    font-weight: 700;
    line-height: 130%;
}

.insurance-notify__card-title--bottom {
    margin-top: 4px;
}

.insurance-notify__phones {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 10px 14px;
    width: 100%;
}

.insurance-notify__phone-icon {
    flex-shrink: 0;
    color: #4d4d4f;
}

.insurance-notify__short-block {
    display: flex;
    align-items: center;
    gap: 10px;
}

.insurance-notify__short-num {
    color: #282827;
    font-size: 40px;
    font-weight: 700;
    line-height: 52px;
    text-decoration: none;
}

.insurance-notify__short-num:hover {
    color: #95ae3c;
}

.insurance-notify__operators {
    display: flex;
    flex-direction: column;
    color: #282827;
    font-size: 9px;
    font-weight: 700;
    line-height: 11px;
    text-align: left;
}

.insurance-notify__divider {
    width: 1px;
    height: 32px;
    background-color: #DBDBDB;
    flex-shrink: 0;
}

.insurance-notify__full-num {
    color: #4D4D4F;
    font-size: 18px;
    font-weight: 700;
    line-height: 24px;
    text-decoration: none;
    white-space: nowrap;
}

.insurance-notify__full-num:hover {
    color: #95ae3c;
}

@media (max-width: 828px) {
    .insurance-notify__divider {
        width: 80%;
        max-width: 200px;
        height: 1px;
    }
}

@media (max-width: 767px) {
    .insurance-notify {
        padding: 24px;
    }

    .insurance-notify__title {
        font-size: 16px;
        margin-bottom: 20px;
    }

    .insurance-notify__grid {
        grid-template-columns: 1fr;
    }

    .insurance-notify__phones {
        flex-direction: column;
        gap: 12px;
    }
    .insurance-notify {
        margin-bottom: 32px; 
    }
    .insurance-documents {
        margin-bottom: 32px;
    }
    .insurance-page-contacts {
        margin-bottom: 32px !important;
    }
    .insurance-page-news {
        padding-bottom: 32px !important;
        margin-bottom: 0 !important;
    }
    .insurance-page-head__title {
        margin: 24px 0 32px;
    }

    body.program-new__design-page .insurance-page-head h2.insurance-page-head__subtitle {
        margin-bottom: 24px;
    }
}

/* Адаптив: перебиваем pal `h2, .h2 { font-size: 2rem }` и выравниваем с вкладками на 768px */
@media (max-width: 768px) {
    body.program-new__design-page .insurance-page-head h2.insurance-page-head__subtitle {
        font-size: 24px !important;
    }

    body.program-new__design-page .insurance-tabs .insurance-tabs__tab {
        font-size: 24px !important;
    }
}

/* --- contacts swiper: title + tabs + nav buttons одной линией по вертикали --- */
/* program.css подключается после insurance.css и задаёт кнопкам position:absolute + top:10px — сбивает выравнивание */
.insurance-page-contacts .pal-regions > .parts-row {
    align-items: center;
}

.insurance-page-contacts .pal-regions > .parts-row > .col.part-collapse-lg {
    display: flex;
    align-items: center;
    align-self: center;
}

.insurance-page-contacts .pal-regions > .parts-row > .col.part-2.part-collapse-lg {
    display: flex;
    align-items: center;
    align-self: center;
}

.insurance-page-contacts .pal-regions > .parts-row .pal-regions__title {
    margin: 0;
}

.insurance-page-contacts .pal-filter {
    display: flex;
    flex-direction: row;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.5rem;
    width: 100%;
    min-height: 43px;
    margin-bottom: 0;
}

.insurance-page-contacts .pal-filter__list {
    flex: 1 1 auto;
    min-width: 0;
    margin-bottom: 0;
    align-self: center;
}

.insurance-page-contacts .pal-filter .swiper-button-prev,
.insurance-page-contacts .pal-filter .swiper-button-next {
    position: relative !important;
    top: auto !important;
    right: auto !important;
    left: auto !important;
    flex-shrink: 0;
    align-self: center;
}

.insurance-page-contacts .pal-filter .swiper-button-prev {
    order: 2;
    margin-left: auto;
}

.insurance-page-contacts .pal-filter .swiper-button-next {
    order: 3;
    margin-left: 0;
    transform: rotate(180deg);
}