:root{
  --ink:#10233f; --muted:#607089; --line:#e3e9f0; --soft:#f5f8fb;
  --green:#13a05a; --green-dark:#0c8248; --blue:#0b5fab; --gold:#f0a22e;
  --radius:18px; --shadow:0 14px 40px rgba(16,35,63,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI","PingFang SC","Microsoft YaHei",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}
.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{min-height:78px;display:flex;align-items:center;gap:28px}
.brand{display:flex;flex-direction:column;min-width:250px}
.brand-lockup{display:flex;align-items:center;gap:10px}
.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--green);color:#fff;font-size:23px;font-weight:900;box-shadow:0 6px 14px rgba(19,160,90,.22)}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-cn{font-weight:950;font-size:21px;color:var(--ink);letter-spacing:-.2px}
.brand-domain{font-size:11px;font-weight:800;color:var(--blue);letter-spacing:.3px;margin-top:3px}
.brand-sub{font-size:11px;color:var(--muted);margin-left:46px;margin-top:2px}
.main-nav{display:flex;gap:22px;align-items:center;margin-left:auto;font-size:14px;font-weight:700}
.main-nav a:hover{color:var(--blue)}
.language-control{display:flex;align-items:center;gap:6px;border:1px solid var(--line);border-radius:999px;padding:7px 10px;background:#fff}
.lang-btn{border:0;background:transparent;cursor:pointer;color:var(--muted);font-weight:700}
.lang-btn.active{color:var(--blue)}
body.lang-zh .en{display:none!important}
body.lang-en .zh{display:none!important}

.hero{background:linear-gradient(135deg,#eef7ff 0%,#f7fbff 45%,#eefaf4 100%);padding:78px 0 60px;border-bottom:1px solid var(--line)}
.hero-inner{display:grid;grid-template-columns:1.5fr .8fr;gap:60px;align-items:center}
.eyebrow{display:inline-block;background:#e5f1ff;color:var(--blue);font-weight:800;padding:7px 12px;border-radius:999px;font-size:13px}
.hero h1{font-size:52px;line-height:1.12;letter-spacing:-1.5px;margin:18px 0}
.lead{font-size:19px;color:var(--muted);max-width:760px}
.primary-btn,.buy-btn{display:inline-flex;align-items:center;justify-content:center;background:var(--green);color:#fff;font-weight:800;border-radius:10px;padding:13px 20px;margin-top:12px}
.primary-btn:hover,.buy-btn:hover{background:var(--green-dark)}
.hero-panel{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--radius);padding:22px}
.mini-stat{display:flex;flex-direction:column;padding:18px;border-bottom:1px solid var(--line)}
.mini-stat:last-child{border-bottom:0}
.mini-stat strong{font-size:32px;color:var(--blue)}
.mini-stat span{color:var(--muted)}

.section{padding:72px 0}
.soft{background:var(--soft)}
.section-heading{text-align:center;margin-bottom:34px}
.section-heading.left{text-align:left}
.section-heading h2{font-size:34px;line-height:1.2;margin:0 0 10px}
.section-heading p{margin:0;color:var(--muted)}
.category-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.category-card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;box-shadow:0 10px 28px rgba(16,35,63,.05);transition:.2s transform,.2s box-shadow}
.category-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.category-card .icon{font-size:42px}
.category-card h3{font-size:24px;margin:14px 0 4px}
.category-card p{color:var(--muted)}
.category-card .term{font-weight:800;color:var(--ink)}
.card-link{color:var(--blue);font-weight:900}
.student{border-top:5px solid #2563eb}.worker{border-top:5px solid #10b981}.visitor{border-top:5px solid #f59e0b}
.visa-pills{margin-top:28px;display:flex;flex-wrap:wrap;gap:9px;align-items:center;justify-content:center}
.visa-pills .label{font-weight:800;margin-right:4px}
.visa-pills a{border:1px solid var(--line);padding:8px 14px;border-radius:999px;font-weight:800;background:#fff}
.visa-pills a:hover{border-color:var(--blue);color:var(--blue)}

.comparison-section:nth-of-type(even){background:#fbfcfe}
.comparison-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(205px,1fr));gap:16px}
.product-card{border:1px solid var(--line);border-radius:16px;background:#fff;padding:20px;box-shadow:0 8px 24px rgba(16,35,63,.05);position:relative}
.product-top{display:flex;justify-content:space-between;gap:10px;align-items:flex-start}
.insurer{font-size:21px;font-weight:900}
.product-name{min-height:50px;color:var(--muted);font-size:14px;margin-top:8px}
.price-row{display:flex;align-items:baseline;gap:6px;margin:12px 0 5px}
.price{font-size:30px;font-weight:900}
.frequency{font-size:13px;color:var(--muted)}
.pricing-note{font-size:12px;color:var(--muted);min-height:40px}
.feature-row{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding:9px 0;font-size:13px}
.feature-row strong{color:var(--green)}
.buy-btn{width:100%;margin-top:14px}
.buy-btn.disabled{background:#98a4b3;cursor:not-allowed}
.promo-wrap{position:relative;display:flex;align-items:center;gap:6px}
.promo-badge{background:#fff1d6;color:#945800;border-radius:999px;padding:5px 8px;font-size:11px;font-weight:900}
.info-btn{width:21px;height:21px;border-radius:50%;border:0;background:var(--ink);color:#fff;font-weight:900;cursor:pointer}
.tooltip{display:none;position:absolute;right:0;top:30px;width:260px;padding:13px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:10px;font-size:12px;z-index:20}
.promo-wrap:hover .tooltip,.promo-wrap.open .tooltip{display:block}
.price-disclaimer{font-size:12px;color:var(--muted);margin-top:22px}

.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.benefit-grid>div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;text-align:center}
.benefit-grid strong{font-size:30px;color:var(--blue)}
.benefit-grid h3{font-size:16px;margin:10px 0 0}
.faq-wrap{max-width:900px}
details{border-bottom:1px solid var(--line);padding:15px 0}
summary{cursor:pointer;font-weight:800;font-size:17px}
details p{color:var(--muted)}
.site-footer{background:#0f223c;color:#d8e2ef;padding:52px 0 18px}
.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:36px}
.footer-grid>div{display:flex;flex-direction:column;gap:7px}
.footer-grid h3{color:#fff;margin:0 0 8px}
.footer-brand{font-size:22px;font-weight:900;color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:18px;font-size:13px}

@media(max-width:900px){
  .main-nav{display:none}
  .header-inner{gap:10px}.language-control{margin-left:auto}
  .hero-inner{grid-template-columns:1fr}.hero h1{font-size:40px}.hero-panel{display:none}
  .category-grid{grid-template-columns:1fr}
  .benefit-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .wrap{width:min(100% - 24px,1180px)}
  .brand{min-width:0}.brand-main{font-size:18px}.brand-sub{display:none!important}
  .hero{padding:52px 0 42px}.hero h1{font-size:34px}
  .section{padding:52px 0}.section-heading h2{font-size:28px}
  .benefit-grid,.footer-grid{grid-template-columns:1fr}
}

.category-card.student .icon,.category-card.worker .icon,.category-card.visitor .icon{
  width:62px;height:62px;border-radius:16px;display:grid;place-items:center;background:var(--soft)
}
.category-card.student{background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%)}
.category-card.worker{background:linear-gradient(180deg,#ffffff 0%,#f7fcfa 100%)}
.category-card.visitor{background:linear-gradient(180deg,#ffffff 0%,#fffaf3 100%)}
.comparison-section{scroll-margin-top:90px}
.site-footer .footer-brand{display:flex;flex-direction:column;line-height:1.2}
.site-footer .footer-brand small{font-size:12px;color:#9fb3c9;margin-top:4px}

.visa-hero{padding:62px 0 46px;background:linear-gradient(135deg,#edf6ff,#f5fbf8);border-bottom:1px solid var(--line)}
.visa-hero h1{font-size:44px;line-height:1.15;max-width:900px;margin:12px 0}
.crumb{font-size:13px;color:var(--muted);font-weight:700}
.content-narrow{max-width:940px}
.content-narrow>p{font-size:17px;color:var(--muted)}
.fact-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:28px}
.fact-grid>div{border:1px solid var(--line);border-radius:14px;background:#fff;padding:18px;display:flex;flex-direction:column;gap:8px}
.fact-grid strong{font-size:24px;color:var(--blue)}
.feature-copy{font-size:12px;color:var(--muted);border-top:1px solid var(--line);padding:8px 0}
@media(max-width:800px){.fact-grid{grid-template-columns:1fr 1fr}.visa-hero h1{font-size:35px}}
@media(max-width:520px){.fact-grid{grid-template-columns:1fr}}

.insurer-kicker{display:inline-flex;border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 12px;font-weight:900;color:var(--blue)}
.insurer-facts{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.insurer-facts>div{display:flex;gap:12px;border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff}
.insurer-facts p{margin:0;color:var(--muted)}
.fact-check{display:grid;place-items:center;flex:0 0 30px;width:30px;height:30px;border-radius:50%;background:#e9f8f0;color:var(--green);font-weight:900}
.featured-insurer-product{display:grid;grid-template-columns:1.2fr 1.5fr .6fr;align-items:center;gap:20px;border:1px solid var(--line);background:#fff;border-radius:16px;padding:22px}
.featured-insurer-product .buy-btn{margin:0}
.source-note{border-left:4px solid var(--blue);background:var(--soft);padding:18px 20px;border-radius:0 12px 12px 0}
.source-note p{color:var(--muted);margin-bottom:0}
.insurer-link-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.insurer-link-grid a{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff;display:flex;flex-direction:column;gap:7px}
.insurer-link-grid strong{font-size:20px}.insurer-link-grid span{font-size:13px;color:var(--blue);font-weight:800}
@media(max-width:900px){.insurer-link-grid{grid-template-columns:repeat(2,1fr)}.featured-insurer-product{grid-template-columns:1fr}}
@media(max-width:650px){.insurer-facts{grid-template-columns:1fr}.insurer-link-grid{grid-template-columns:1fr}}

.guide-categories{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:32px}
.guide-categories a{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 15px;font-weight:800;font-size:13px}
.guide-categories a:hover{border-color:var(--blue);color:var(--blue)}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.guide-card{border:1px solid var(--line);border-radius:16px;background:#fff;padding:24px;box-shadow:0 8px 24px rgba(16,35,63,.045)}
.guide-card h2,.guide-card h3{font-size:21px;line-height:1.3;margin:8px 0 10px}
.guide-card p{color:var(--muted);font-size:14px}
.guide-meta{font-size:12px;color:var(--muted);font-weight:800}
.guide-read,.center-link a{color:var(--blue);font-weight:900}
.center-link{text-align:center;margin-top:28px}
.empty-guides{border:1px dashed var(--line);border-radius:16px;padding:36px;text-align:center;background:var(--soft)}
.empty-guides.compact{padding:22px}
.pagination{margin-top:28px}
.pagination .page-numbers{display:inline-block;border:1px solid var(--line);border-radius:8px;padding:7px 11px;margin-right:5px}
.article-body{font-size:17px}
.article-body h2{font-size:28px;margin-top:38px}.article-body h3{font-size:22px;margin-top:30px}
.article-body p,.article-body li{color:#34445b}
.article-cta{margin-top:44px;background:linear-gradient(135deg,#edf6ff,#f0faf5);border:1px solid var(--line);border-radius:16px;padding:26px}
.cta-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.cta-row a{background:var(--green);color:#fff;border-radius:9px;padding:10px 15px;font-weight:800}
.article-disclaimer{font-size:12px;color:var(--muted);border-top:1px solid var(--line);margin-top:32px;padding-top:18px}
@media(max-width:850px){.guide-grid{grid-template-columns:1fr 1fr}}
@media(max-width:580px){.guide-grid{grid-template-columns:1fr}}

.seo-product{display:grid;grid-template-columns:1.5fr .8fr .7fr;align-items:center;gap:18px;border:1px solid var(--line);border-radius:14px;padding:18px;margin:12px 0;background:#fff}.seo-product>div:first-child{display:flex;flex-direction:column;gap:4px}.seo-product>div:first-child span{font-size:13px;color:var(--muted)}.seo-product .price{font-size:25px;font-weight:900}.seo-product .price small{font-size:12px;color:var(--muted)}.seo-points{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:25px 0}.seo-points div{display:flex;gap:9px}.seo-points span{color:var(--green);font-weight:900}.text-cta{font-weight:900;color:var(--blue)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px}.support-truth{background:var(--soft);border-left:4px solid var(--blue);padding:16px 18px;border-radius:0 12px 12px 0}.contact-form{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff}.contact-form label{display:block;font-weight:800;margin-bottom:15px}.contact-form input,.contact-form select,.contact-form textarea{display:block;width:100%;box-sizing:border-box;margin-top:6px;padding:11px;border:1px solid var(--line);border-radius:8px;font:inherit}.contact-form .buy-btn{border:0;width:100%}.contact-form small{display:block;color:var(--muted);margin-top:10px}@media(max-width:760px){.seo-product,.contact-grid{grid-template-columns:1fr}.seo-points{grid-template-columns:1fr}}

.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:#fff}
.compare-table{border-collapse:collapse;width:100%;min-width:850px;table-layout:fixed}
.compare-table th,.compare-table td{border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:13px 12px;text-align:center;vertical-align:middle;position:relative}
.compare-table th:last-child,.compare-table td:last-child{border-right:0}
.compare-table tr:last-child td{border-bottom:0}
.compare-table .feature-col,.compare-table .row-label{text-align:left;width:260px;font-weight:800}
.table-insurer{font-size:20px;font-weight:900;color:var(--ink)}
.table-product{font-size:12px;color:var(--muted);margin-top:4px;min-height:34px}
.table-promo{display:flex;align-items:center;justify-content:center;gap:6px;margin-top:8px;position:relative}
.terms-link{display:block;font-size:11px;color:var(--blue);font-weight:800;text-decoration:underline}
.table-price{font-size:22px;font-weight:900;color:#e51d2a}.freq{font-size:11px;color:var(--muted);margin-left:4px}
.yes{color:#078737;font-weight:800}.no{color:#e21a1a;font-weight:800}.neutral{color:#9aa5b4}
.yes span,.no span{color:var(--ink);font-weight:500;margin-left:4px}
.quote-row .buy-btn{margin:0;width:100%}
.price-info{margin-left:5px;vertical-align:middle}
.price-tooltip{left:50%;right:auto;transform:translateX(-50%);top:38px}


/* v1.1 provider logo presentation and richer visa landing pages */
.table-insurer{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:7px}
.insurer-logo{display:block;max-width:142px;width:auto;height:38px;object-fit:contain}
.table-insurer>span:not(.sr-only){font-size:13px;font-weight:800;color:var(--muted)}
.card-insurer{display:flex!important;align-items:center;gap:10px}
.card-logo{height:34px;max-width:128px}
.card-insurer>span:not(.sr-only){font-size:12px;color:var(--muted);font-weight:800}
.visa-detail-sections{display:grid;gap:0}
.visa-detail{padding:25px 0;border-bottom:1px solid var(--line)}
.visa-detail:first-child{padding-top:0}.visa-detail:last-child{border-bottom:0;padding-bottom:0}
.visa-detail h2{font-size:27px;margin:0 0 10px}.visa-detail p{font-size:16px;color:#34445b;line-height:1.75}
.compare-checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:13px;margin-top:24px}
.compare-checklist>div{display:grid;grid-template-columns:38px 1fr;gap:11px;align-items:center;border:1px solid var(--line);background:#fff;border-radius:13px;padding:16px}
.compare-checklist strong{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#edf6ff;color:var(--blue)}
@media(max-width:620px){.compare-checklist{grid-template-columns:1fr}.insurer-logo{height:32px;max-width:118px}}

.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}

/* v1.2 logo clarity, accessibility and promotion terms */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.card-insurer,.table-insurer{min-height:48px;display:flex;align-items:center}
.insurer-logo{height:48px!important;max-width:168px!important;width:auto!important;object-fit:contain;object-position:left center}
.card-logo{height:46px!important;max-width:158px!important}
.table-insurer .insurer-logo{margin:0 auto;object-position:center}
.tooltip-terms{display:block;margin-top:10px;padding-top:8px;border-top:1px solid #e2e8f0;color:#0b68c8!important;font-weight:800;text-decoration:underline!important;font-size:12px;line-height:1.35}
.tooltip-terms:hover{color:#064d96!important}
@media(max-width:620px){.insurer-logo{height:42px!important;max-width:145px!important}.card-logo{height:40px!important;max-width:138px!important}}

/* v1.3 - hard cache break for logos + click-safe tooltips */
.info-btn{position:relative;z-index:30;pointer-events:auto!important}
.promo-wrap.open .tooltip,.table-promo.open .tooltip{display:block!important}
.tooltip{z-index:9999}
.tooltip-terms{pointer-events:auto;cursor:pointer}
.card-insurer .insurer-logo,.table-insurer .insurer-logo{display:block!important}


/* v1.4 - larger, clearer provider logos */
.card-insurer{min-height:72px!important;display:flex!important;align-items:center!important}
.card-insurer .insurer-logo{width:200px!important;max-width:200px!important;height:64px!important;max-height:64px!important;object-fit:contain!important;object-position:left center!important}
.table-insurer{min-height:76px!important}
.table-insurer .insurer-logo{width:210px!important;max-width:210px!important;height:66px!important;max-height:66px!important;object-fit:contain!important;object-position:center!important}
@media(max-width:620px){
  .card-insurer .insurer-logo{width:170px!important;max-width:170px!important;height:56px!important;max-height:56px!important}
  .table-insurer .insurer-logo{width:175px!important;max-width:175px!important;height:58px!important;max-height:58px!important}
}

/* v1.5 - provider branding loaded from insurers' own official domains */
.card-insurer,.table-insurer{flex-direction:row!important;gap:11px!important;justify-content:flex-start!important;min-height:58px!important}
.table-insurer{justify-content:center!important}
.official-brand-icon{width:42px!important;height:42px!important;max-width:42px!important;max-height:42px!important;object-fit:contain!important;flex:0 0 42px!important}
.official-brand-icon.full-wordmark{width:170px!important;height:54px!important;max-width:170px!important;max-height:54px!important;flex:0 0 auto!important;object-fit:contain!important}
.official-brand-name{font-size:18px!important;line-height:1.1!important;font-weight:850!important;color:#0e2746!important;white-space:nowrap}
.table-insurer .official-brand-name{font-size:16px!important}
.info-btn{cursor:pointer!important;display:inline-grid!important;place-items:center!important;user-select:none!important}
.tooltip{pointer-events:auto!important}
.tooltip-terms{color:#0875d1!important;text-decoration:underline!important;font-weight:850!important}
@media(max-width:620px){
 .official-brand-icon{width:36px!important;height:36px!important;max-width:36px!important;max-height:36px!important;flex-basis:36px!important}
 .official-brand-icon.full-wordmark{width:145px!important;height:48px!important;max-width:145px!important;max-height:48px!important}
 .official-brand-name{font-size:16px!important}
}


/* v1.6 - exact locally supplied provider logo files */
.card-insurer,.table-insurer{min-height:68px!important;display:flex!important;align-items:center!important;justify-content:flex-start!important}
.table-insurer{justify-content:center!important}
.card-insurer .insurer-logo,.table-insurer .insurer-logo{display:block!important;width:auto!important;object-fit:contain!important;background:#fff}
.card-insurer .brand-allianz,.table-insurer .brand-allianz{height:48px!important;max-width:245px!important}
.card-insurer .brand-bupa,.table-insurer .brand-bupa{height:58px!important;max-width:150px!important}
.card-insurer .brand-nib,.table-insurer .brand-nib{height:50px!important;max-width:155px!important}
.card-insurer .brand-medibank,.table-insurer .brand-medibank{height:44px!important;max-width:185px!important}
.card-insurer .brand-aia,.table-insurer .brand-aia{height:58px!important;max-width:90px!important}
.official-brand-name{display:none!important}
@media(max-width:620px){
 .card-insurer .brand-allianz,.table-insurer .brand-allianz{height:42px!important;max-width:205px!important}
 .card-insurer .brand-bupa,.table-insurer .brand-bupa{height:52px!important;max-width:132px!important}
 .card-insurer .brand-nib,.table-insurer .brand-nib{height:44px!important;max-width:138px!important}
 .card-insurer .brand-medibank,.table-insurer .brand-medibank{height:39px!important;max-width:160px!important}
 .card-insurer .brand-aia,.table-insurer .brand-aia{height:52px!important;max-width:82px!important}
}


/* v1.9 — promotion badges: consistent circular geometry and alignment */
.product-top{align-items:flex-start}
.product-top .promo-wrap{
  flex:0 0 auto;
  min-height:58px;
  align-items:flex-start;
  gap:5px;
}
.product-top .promo-badge,
.table-promo .promo-badge{
  box-sizing:border-box;
  width:52px;
  height:52px;
  min-width:52px;
  padding:0 5px;
  border-radius:50%;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  line-height:1.12;
  white-space:normal;
  overflow-wrap:normal;
  word-break:normal;
  font-size:10px;
}
.product-top .info-btn,
.table-promo .info-btn{
  flex:0 0 21px;
  margin-top:15px;
}

/* v2.1 — approved comparison-card layout */
.comparison-grid{
  align-items:stretch;
  gap:18px;
}
.product-card{
  display:flex;
  flex-direction:column;
  min-width:0;
  min-height:350px;
  padding:22px 18px 18px;
  border-radius:15px;
  box-shadow:0 8px 24px rgba(16,35,63,.045);
}
.product-top{
  min-height:70px;
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:8px;
}
.card-insurer{
  flex:1 1 auto;
  min-width:0;
  min-height:62px!important;
  display:flex!important;
  align-items:center!important;
  justify-content:flex-start!important;
  overflow:hidden;
}
.card-insurer .insurer-logo{
  display:block!important;
  width:auto!important;
  object-fit:contain!important;
  object-position:left center!important;
  background:transparent!important;
}
.card-insurer .brand-allianz{height:auto!important;width:100%!important;max-width:155px!important;max-height:54px!important}
.card-insurer .brand-bupa{height:54px!important;width:auto!important;max-width:78px!important}
.card-insurer .brand-nib{height:48px!important;width:auto!important;max-width:132px!important}
.card-insurer .brand-medibank{height:auto!important;width:100%!important;max-width:132px!important;max-height:45px!important}
.card-insurer .brand-aia{height:52px!important;width:auto!important;max-width:72px!important}
.product-name{
  min-height:52px;
  margin-top:2px;
  line-height:1.45;
}
.price-row{margin:10px 0 5px}
.pricing-note{min-height:42px;margin-top:0}
.product-card .feature-row:first-of-type{margin-top:auto}
.product-card .buy-btn{margin-top:14px}

/* Fixed, symmetric promotion control */
.product-top .promo-wrap{
  flex:0 0 78px;
  min-width:78px;
  min-height:58px;
  display:grid;
  grid-template-columns:52px 21px;
  align-items:start;
  justify-content:end;
  column-gap:5px;
  position:relative;
}
.product-top .promo-badge,
.table-promo .promo-badge{
  box-sizing:border-box!important;
  width:52px!important;
  height:52px!important;
  min-width:52px!important;
  min-height:52px!important;
  padding:0 5px!important;
  border-radius:50%!important;
  display:flex!important;
  align-items:center!important;
  justify-content:center!important;
  text-align:center!important;
  line-height:1.08!important;
  white-space:normal!important;
  font-size:10px!important;
  font-weight:900!important;
}
.product-top .info-btn,
.table-promo .info-btn{
  width:21px!important;
  height:21px!important;
  min-width:21px!important;
  margin:15px 0 0!important;
  padding:0!important;
  display:grid!important;
  place-items:center!important;
  line-height:1!important;
  font-size:12px!important;
}

/* Popup styling matching the approved visual */
.promo-wrap .tooltip,
.table-promo .tooltip{
  width:300px;
  right:0;
  top:62px;
  padding:16px 17px;
  border-radius:10px;
  background:#fff;
  border:1px solid #dbe4ee;
  box-shadow:0 16px 38px rgba(16,35,63,.18);
  line-height:1.55;
  color:#34445b;
  z-index:60;
}
.tooltip-terms{
  display:block!important;
  width:max-content;
  max-width:100%;
  margin-top:10px!important;
  padding-top:0!important;
  border-top:0!important;
  color:#0969da!important;
  font-size:13px!important;
  font-weight:800!important;
  text-decoration:none!important;
}
.tooltip-terms:hover{text-decoration:underline!important}

@media(max-width:900px){
  .comparison-grid{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
  .product-card{min-height:330px}
}
@media(max-width:560px){
  .product-card{min-height:0}
  .card-insurer .brand-allianz{max-width:165px!important}
  .promo-wrap .tooltip,.table-promo .tooltip{width:min(300px,calc(100vw - 36px));right:-6px}
}

/* v2.3 faq groups */
.faq-group{margin-top:28px}
.faq-group h3{font-size:20px;margin:0 0 12px;color:var(--ink)}

/* v2.4 — visually distinct FAQ categories */
.faq-group{margin-top:34px}
.faq-group h3{
  font-size:24px;
  line-height:1.25;
  margin:0 0 14px;
  padding:15px 18px;
  border-radius:14px;
  border:1px solid var(--line);
  font-weight:900;
}
.faq-group.faq-student h3{background:#eaf4ff;color:#0a58a8;border-color:#cfe5fb}
.faq-group.faq-485 h3{background:#eaf8f1;color:#087649;border-color:#ccebdc}
.faq-group.faq-visitor h3{background:#fff3df;color:#9a5b00;border-color:#f4dfbb}

/* v2.4 — three-column insurance footer */
.site-footer{background:#0f223c;color:#d8e2ef;padding:52px 0 18px}
.footer-top{display:grid;grid-template-columns:minmax(220px,.9fr) minmax(0,2.4fr);gap:42px;align-items:start}
.footer-business{display:flex;flex-direction:column;gap:10px}
.footer-business p{margin:0;color:#b7c7d9;line-height:1.6}
.footer-contact{display:flex;flex-direction:column;gap:7px;margin-top:7px}
.site-footer a{color:#d8e2ef;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-contact a{font-weight:800;color:#fff}
.footer-insurance-columns{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
.footer-insurance-col{display:flex;flex-direction:column;gap:9px}
.footer-insurance-col h3{font-size:18px;color:#fff;margin:0 0 3px;line-height:1.25}
.footer-insurance-col>a:not(.footer-cta){font-size:13px;line-height:1.45;color:#c8d7e6}
.footer-cta{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:38px;
  width:fit-content;
  padding:8px 13px;
  border-radius:9px;
  background:#12a85b;
  color:#fff!important;
  font-size:13px;
  font-weight:900;
  margin:3px 0 5px;
  text-decoration:none!important;
}
.footer-cta:hover{filter:brightness(1.06)}
.footer-legal{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:20px}
.footer-legal-links{display:flex;flex-wrap:wrap;gap:10px 22px}
.footer-legal-links a{font-size:13px}
.footer-disclaimer{font-size:12px;color:#9fb3c9;margin:14px 0 0}
.footer-bottom{border-top:0;margin-top:16px;padding-top:0;font-size:12px;color:#9fb3c9}

/* v2.4 — contact business details */
.contact-business-card{
  padding:20px;
  border:1px solid var(--line);
  background:linear-gradient(135deg,#edf6ff,#f5fbf8);
  border-radius:16px;
  margin-bottom:28px;
  display:flex;
  flex-direction:column;
  gap:8px;
}
.contact-business-card .contact-kicker{font-size:12px;font-weight:900;color:var(--blue);text-transform:uppercase;letter-spacing:.05em}
.contact-business-card h2{margin:0 0 4px}
.contact-business-card a{font-size:16px;font-weight:700;color:var(--ink);text-decoration:none}
.contact-business-card a:hover{text-decoration:underline}

@media(max-width:980px){
  .footer-top{grid-template-columns:1fr}
  .footer-insurance-columns{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:700px){
  .footer-insurance-columns{grid-template-columns:1fr}
  .faq-group h3{font-size:21px}
}

/* v2.5 — substantial OSHC provider landing pages */
.provider-hero-logo{display:block;max-width:210px;max-height:66px;width:auto;height:auto;object-fit:contain;margin:18px 0 4px}
.provider-hero-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:24px}
.provider-quote-btn{min-width:170px;text-align:center}
.provider-compare-link{font-weight:850;color:var(--blue);text-decoration:none}
.provider-price-card{display:grid;grid-template-columns:minmax(0,1fr) auto minmax(145px,190px);gap:22px;align-items:center;border:1px solid var(--line);border-radius:18px;padding:20px 22px;background:#fff;box-shadow:var(--shadow);margin-bottom:38px}
.provider-price-card>div:first-child{display:flex;flex-direction:column;gap:5px}
.provider-price-card strong{font-size:18px}
.provider-label{font-size:12px;color:var(--muted);font-weight:850;text-transform:uppercase;letter-spacing:.04em}
.provider-price{display:flex;align-items:baseline;gap:6px}
.provider-price span{font-size:30px;font-weight:950;color:#e51d2a}
.provider-price small{font-size:12px;color:var(--muted)}
.provider-feature-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin:24px 0 34px}
.provider-feature{position:relative;border:1px solid var(--line);border-radius:15px;padding:18px 18px 18px 48px;background:#fff}
.provider-feature .provider-check{position:absolute;left:18px;top:19px;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;background:#e7f8ef;color:#078737;font-weight:950}
.provider-feature h3{font-size:17px;margin:0 0 7px}
.provider-feature p{font-size:14px;line-height:1.6;color:var(--muted);margin:0}
.provider-note{background:#f6f9fc;border:1px solid var(--line);border-radius:16px;padding:23px;margin:32px 0}
.provider-note h2{font-size:22px;margin:0 0 10px}
.provider-bottom-cta{display:flex;align-items:center;justify-content:space-between;gap:28px;background:#0f223c;color:#fff;border-radius:18px;padding:28px;margin-top:34px}
.provider-bottom-cta h2{color:#fff;margin:0 0 7px;font-size:24px}
.provider-bottom-cta p{color:#d8e2ef;margin:0;max-width:650px}
.provider-bottom-cta .primary-btn{flex:0 0 auto;min-width:155px;text-align:center}
.provider-faq{max-width:940px}
.provider-source-row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:24px;padding-top:20px;border-top:1px solid var(--line)}
.provider-source-row a{font-weight:850;color:var(--blue)}
@media(max-width:760px){
  .provider-price-card{grid-template-columns:1fr;gap:12px}
  .provider-feature-grid{grid-template-columns:1fr}
  .provider-bottom-cta{align-items:flex-start;flex-direction:column}
}

/* v2.6 — deeper provider education content */
.provider-deep-content{margin:38px 0 10px}
.provider-deep-section{padding:26px 0;border-top:1px solid var(--line)}
.provider-deep-section:first-child{border-top:0;padding-top:0}
.provider-deep-section h2{font-size:23px;margin:0 0 10px}
.provider-deep-section p{font-size:16px;line-height:1.78;color:var(--muted);margin:0}

/* v2.9 final fixes */
.vicn-inline-comparison{margin:34px 0 42px}.vicn-inline-comparison>h2{margin-bottom:8px}
.vicn-green-visa-cta{display:block!important;background:#10b981!important;color:#fff!important;border-radius:9px!important;padding:13px 18px!important;text-align:center!important;font-weight:800!important;text-decoration:none!important;margin-top:9px!important}
.vicn-green-visa-cta:hover{filter:brightness(.94)}
.vicn-worker-links{margin:30px 0;padding:22px;border:1px solid #dce7e2;border-radius:14px;background:#f7fffb}
.vicn-worker-links strong{display:block;margin-bottom:12px;font-size:18px}.vicn-worker-links div{display:flex;gap:10px;flex-wrap:wrap}
.vicn-worker-links a{background:#10b981;color:#fff!important;padding:10px 16px;border-radius:8px;text-decoration:none!important;font-weight:750}
.vicn-row-tip{position:relative;display:inline-grid;place-items:center;width:20px;height:20px;margin-left:6px;border:0;border-radius:50%;background:#0f172a;color:#fff;font-size:12px;font-weight:800;cursor:help;vertical-align:middle;padding:0}
.vicn-row-tooltip{display:none;position:absolute;left:50%;bottom:28px;transform:translateX(-50%);width:280px;max-width:75vw;padding:11px 12px;border:1px solid #dbe2ea;border-radius:9px;background:#fff;color:#243142;font-size:12px;font-weight:500;line-height:1.5;text-align:left;box-shadow:0 8px 28px rgba(15,23,42,.14);z-index:9999}
.vicn-row-tip:hover .vicn-row-tooltip,.vicn-row-tip:focus .vicn-row-tooltip{display:block}

/* v3.0 comparison refinements */
.compare-table .row-label{position:relative}
.compare-table .row-info{margin-left:5px;vertical-align:middle}
.compare-table .row-tooltip{left:8px;right:auto;top:calc(100% - 2px);min-width:260px;max-width:340px;text-align:left}
.visitor-home-actions{display:grid;gap:8px;margin-top:14px}
.home-visa-btn{display:block;background:#12a85d;color:#fff!important;text-align:center;padding:12px 14px;border-radius:9px;font-weight:800;text-decoration:none!important;line-height:1.3}
.home-visa-btn:hover{filter:brightness(.95)}
.category-card.visitor{display:block}
@media(max-width:720px){.compare-table .row-tooltip{min-width:220px;max-width:280px}}


/* v3.1 — stronger promotion badges + stable table prices */
.table-price{display:inline-block!important;white-space:nowrap!important;overflow:visible!important;min-width:max-content!important;direction:ltr!important;text-align:center!important}
.product-top .promo-badge,.table-promo .promo-badge{
  width:58px!important;height:58px!important;min-width:58px!important;min-height:58px!important;
  background:#f4a62a!important;color:#3b2500!important;border:2px solid #df8f12!important;
  box-shadow:0 5px 12px rgba(180,103,0,.20)!important;font-size:10.5px!important;letter-spacing:.1px!important;
}
.product-top .promo-wrap{grid-template-columns:58px 21px!important;flex-basis:84px!important;min-width:84px!important}
.product-top .info-btn,.table-promo .info-btn{margin-top:18px!important}
.table-promo{min-height:62px}


/* v3.2 visitor comparison pricing tooltips */
.visitor-price-tip,.vicn-legacy-price-tip{display:inline-flex;align-items:center;position:relative;margin-left:6px;vertical-align:middle}
.visitor-price-tip .price-info,.vicn-legacy-price-tip .price-info{width:20px!important;height:20px!important;margin:0!important;font-size:12px!important;line-height:20px!important}
.visitor-price-tooltip{display:none;left:50%;right:auto;top:28px;transform:translateX(-50%);width:310px;max-width:min(310px,calc(100vw - 34px));text-align:left;line-height:1.5}
.visitor-price-tip.open .visitor-price-tooltip,.vicn-legacy-price-tip.open .visitor-price-tooltip{display:block!important}
@media(max-width:720px){.visitor-price-tooltip{left:auto;right:-10px;transform:none;width:min(300px,calc(100vw - 34px))}}

/* v3.6 richer visitor price tooltips */
.visitor-price-tooltip{width:360px!important;max-width:min(360px,calc(100vw - 34px))!important;padding:16px!important;font-size:12px!important;line-height:1.45!important}
.visitor-price-tooltip strong:first-child{display:block;font-size:14px;margin-bottom:8px;color:#0b2748}
.visitor-price-tooltip p{margin:8px 0 0}
.price-age-table{width:100%;border-collapse:collapse;margin:8px 0 6px;font-size:12px;background:#fff}
.price-age-table th,.price-age-table td{padding:6px 7px;border:1px solid #dbe4ee;text-align:left;white-space:nowrap}
.price-age-table th{font-weight:800;background:#f5f8fb;color:#0b2748}
.price-age-table td:last-child,.price-age-table th:last-child{text-align:right}
.price-tip-note{font-size:11px;color:#526273;margin-top:8px!important}
@media(max-width:720px){.visitor-price-tooltip{width:min(340px,calc(100vw - 28px))!important}.price-age-table th,.price-age-table td{padding:5px 6px;font-size:11px}}


/* v3.7 - make every comparison info icon functional on hover/focus and click/tap */
.info-btn:hover + .tooltip,
.info-btn:focus + .tooltip,
.price-open > .tooltip,
.visitor-price-tip:hover > .visitor-price-tooltip,
.vicn-legacy-price-tip:hover > .visitor-price-tooltip {display:block!important;}
.compare-table .row-label{position:relative;}
.compare-table .row-info:hover + .row-tooltip,
.compare-table .row-info:focus + .row-tooltip,
.compare-table .row-label.price-open > .row-tooltip {display:block!important;}
.visitor-price-tooltip .zh,.visitor-price-tooltip .en{white-space:normal;}
.visitor-price-tooltip br{display:block;content:"";margin-top:3px;}

/* v3.8 insurer landing pages and pricing-tooltip heading */
.provider-hero-logo{display:block;max-width:210px;max-height:72px;width:auto;height:auto;object-fit:contain;margin:12px 0 18px;background:#fff}
.price-tip-heading{display:block;font-weight:900;font-size:15px;margin:0 0 8px;color:var(--navy,#0b2545)}
.price-tip-body{font-weight:400;white-space:normal;line-height:1.5}
.price-tip-body br{display:block;content:"";margin-top:3px}
.faq-list{display:grid;gap:10px}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}.faq-list summary{font-weight:800;cursor:pointer}.faq-list p{color:var(--muted);margin:10px 0 0}

/* v4.2 — light green footer with WeChat profile + QR */
.vicn-footer-v42{background:#fff;color:#15202b;padding:0;border-top:1px solid #e6eee9}
.vicn-footer-v42 .vicn-footer-main{display:grid;grid-template-columns:1fr 1fr 1fr 1.06fr;gap:34px;padding:46px 0 18px;align-items:stretch}
.vicn-footer-v42 .vicn-footer-col{display:flex;flex-direction:column;min-width:0;padding:10px 2px 20px}
.vicn-footer-heading{display:flex;align-items:flex-start;gap:12px;color:#087a46;margin-bottom:16px}
.vicn-footer-heading h3{margin:0;color:#087a46;font-size:22px;line-height:1.2;font-weight:900}
.vicn-footer-heading h3 small{font-size:.82em;color:inherit}
.vicn-footer-icon{width:48px;height:48px;border:1.8px solid #07864c;border-radius:50%;display:grid;place-items:center;flex:0 0 48px;font-size:22px;background:#fff}
.vicn-footer-v42 .vicn-footer-col>p,.vicn-wechat-card>p{margin:0 0 22px;line-height:1.75;color:#28323d;font-size:15px}
.vicn-footer-links{display:flex;flex-direction:column;gap:14px;margin-top:2px}
.vicn-footer-v42 .vicn-footer-links a{position:relative;padding-left:24px;color:#111820;text-decoration:none;font-size:15px;line-height:1.45}
.vicn-footer-v42 .vicn-footer-links a:before{content:'›';position:absolute;left:4px;top:-1px;color:#07864c;font-size:27px;line-height:20px;font-weight:500}
.vicn-footer-v42 .vicn-footer-links a:hover{color:#087a46;text-decoration:none}
.vicn-footer-view{display:inline-flex!important;align-items:center;justify-content:center;min-width:158px;width:max-content;margin-top:auto;padding:11px 20px;border:1.5px solid #07864c;border-radius:10px;color:#07864c!important;background:#fff;text-decoration:none!important;font-weight:800}
.vicn-footer-view:hover{background:#edf9f2!important;color:#066c3d!important;text-decoration:none!important}
.vicn-wechat-card{background:linear-gradient(145deg,#f4faf6,#eef8f2);border-radius:18px;padding:24px 24px 26px;display:flex;flex-direction:column;align-items:center;text-align:center;box-shadow:0 8px 28px rgba(8,122,70,.06)}
.vicn-wechat-card .vicn-footer-heading{align-self:stretch;margin-bottom:12px;text-align:left}
.vicn-wechat-card>p{align-self:stretch;text-align:left;margin-bottom:16px}
.vicn-wechat-profile{display:block;width:126px;height:126px;object-fit:contain;margin:2px auto 10px}
.vicn-wechat-title{font-size:21px;color:#087a46;margin:0 0 8px;font-weight:900}
.vicn-wechat-qr{display:block;width:196px;height:196px;object-fit:contain;background:#fff;border-radius:6px;padding:4px;margin:0 auto 8px}
.vicn-wechat-scan{font-size:17px;font-weight:850;color:#17222b;line-height:1.5;margin:0 0 17px}
.vicn-wechat-card .vicn-wechat-email{display:block;width:100%;border-top:1px solid #87bba0;padding-top:16px;color:#111820!important;text-decoration:none!important;font-size:16px;font-weight:750}
.vicn-footer-bottom{background:linear-gradient(90deg,#0b7b48,#086d41);color:#fff;margin-top:8px}
.vicn-footer-bottom-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px;font-size:13px}
.vicn-footer-bottom-links{display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap}
.vicn-footer-bottom-links a,.vicn-footer-bottom-email{color:#fff!important;text-decoration:none!important;white-space:nowrap}
.vicn-footer-bottom-links a+ a:before{content:'|';opacity:.55;margin:0 15px}
.vicn-footer-bottom-email{font-weight:750}
@media(max-width:1080px){
  .vicn-footer-v42 .vicn-footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}
  .vicn-footer-bottom-inner{flex-wrap:wrap;justify-content:center;padding:20px 0;text-align:center}
}
@media(max-width:680px){
  .vicn-footer-v42 .vicn-footer-main{grid-template-columns:1fr;padding-top:30px}
  .vicn-footer-view{margin-top:22px}
  .vicn-wechat-card{padding:22px 18px}
  .vicn-wechat-qr{width:190px;height:190px}
  .vicn-footer-bottom-links{gap:8px 14px}
  .vicn-footer-bottom-links a+ a:before{display:none}
}

/* v4.7 AIA 600 visitor age-pricing panel */
.provider-age-pricing{margin:24px 0 34px;padding:22px;border:1px solid #dce8e1;border-radius:16px;background:#f7fbf8}
.provider-age-pricing h2{margin:0 0 8px}
.provider-age-table{max-width:560px;margin:16px 0 10px;font-size:14px}
.provider-age-table th,.provider-age-table td{padding:10px 12px}
@media(max-width:720px){.provider-age-pricing{padding:16px}.provider-age-table{max-width:100%}}


/* v4.8 — symmetrical visitor price row */
.compare-table .visitor-price-row{display:flex;align-items:center;justify-content:center;gap:6px;min-height:30px;white-space:nowrap}
.compare-table .visitor-price-row .table-price{font-size:22px!important;line-height:1.15;margin:0!important}
.compare-table .visitor-price-row .freq{display:inline-block!important;font-size:11px!important;line-height:1.2;margin:0!important;color:var(--muted);white-space:nowrap}
.compare-table .visitor-price-row .visitor-price-tip{margin-left:0!important;flex:0 0 auto}
@media(max-width:720px){.compare-table .visitor-price-row{gap:5px}.compare-table .visitor-price-row .table-price{font-size:20px!important}.compare-table .visitor-price-row .freq{font-size:10px!important}}

/* v4.9 visitor price alignment: keep price on first line and frequency + info icon on second line */
.compare-table .visitor-price-row{display:flex!important;flex-direction:column!important;align-items:center!important;justify-content:center!important;gap:3px!important;min-height:52px!important;white-space:normal!important}
.compare-table .visitor-price-row .table-price{display:block!important;font-size:22px!important;line-height:1.1!important;margin:0!important;white-space:nowrap!important}
.compare-table .visitor-price-meta{display:flex!important;align-items:center!important;justify-content:center!important;gap:5px!important;min-height:20px!important;white-space:nowrap!important}
.compare-table .visitor-price-row .freq{display:inline-block!important;font-size:11px!important;line-height:1.2!important;margin:0!important;color:var(--muted)!important;white-space:nowrap!important}
.compare-table .visitor-price-meta .visitor-price-tip{margin-left:0!important;display:inline-flex!important;align-items:center!important;flex:0 0 auto!important}
@media(max-width:720px){.compare-table .visitor-price-row{min-height:48px!important;gap:2px!important}.compare-table .visitor-price-row .table-price{font-size:20px!important}.compare-table .visitor-price-row .freq{font-size:10px!important}.compare-table .visitor-price-meta{gap:4px!important}}