@font-face {
    font-family: "Zumi Poppins";
    src: url("/cf-fonts/s/poppins/5.2.7/latin/400/normal.woff2") format("woff2");
    font-style: normal;
    font-weight: 400;
    font-display: swap;
}

@font-face {
    font-family: "Zumi Poppins";
    src: url("/cf-fonts/s/poppins/5.2.7/latin/500/normal.woff2") format("woff2");
    font-style: normal;
    font-weight: 500;
    font-display: swap;
}

@font-face {
    font-family: "Zumi Poppins";
    src: url("/cf-fonts/s/poppins/5.2.7/latin/600/normal.woff2") format("woff2");
    font-style: normal;
    font-weight: 600;
    font-display: swap;
}

@font-face {
    font-family: "Zumi Poppins";
    src: url("/cf-fonts/s/poppins/5.2.7/latin/700/normal.woff2") format("woff2");
    font-style: normal;
    font-weight: 700;
    font-display: swap;
}

#zumi-native-insurance,
#zumi-native-insurance * {
    box-sizing: border-box;
}

#zumi-native-insurance {
    --zni-orange: #E85E2A;
    --zni-orange-deep: #E85E2A;
    --zni-recommended: #E2A428;
    --zni-recommended-dark: #D17A12;
    --zni-recommended-soft: #FFF0C7;
    --zni-ink: #171717;
    --zni-muted: #68635F;
    --zni-line: #E9E4E0;
    --zni-cream: #F7F2EE;
    --zni-warm: #EFE4DC;
    --zni-card: #FFFFFF;
    --zni-dark: #171311;
    --zni-radius: clamp(15px, 1.1vw, 22px);
    --zni-shadow: 0 18px 55px rgba(32, 20, 13, .08);

    width: 100%;
    margin: 0;
    padding: 0;
    overflow-x: hidden;
    background: #FFFFFF;
    color: var(--zni-ink);
    font-family: "Roboto", Arial, Helvetica, sans-serif;
}

#zumi-native-insurance button,
#zumi-native-insurance a,
#zumi-native-insurance summary {
    font: inherit;
}

#zumi-native-insurance img,
#zumi-native-insurance svg {
    display: block;
}

#zumi-native-insurance svg {
    width: 1em;
    height: 1em;
    fill: none;
    stroke: currentColor;
    stroke-width: 1.9;
    stroke-linecap: round;
    stroke-linejoin: round;
}

#zumi-native-insurance .zni-shell {
    width: 100%;
    max-width: 2200px;
    margin: 0 auto;
    padding: 15px 0;
}

#zumi-native-insurance .zni-page {
    width: 100%;
    display: grid;
    gap: clamp(12px, 1.05vw, 20px);
}

#zumi-native-insurance .zni-hero,
#zumi-native-insurance .zni-section,
#zumi-native-insurance .zni-contact {
    margin: 0 15px;
}

#zumi-native-insurance .zni-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin: 0 0 14px;
    color: var(--zni-orange);
    font-size: clamp(11px, .74vw, 14px);
    font-weight: 700;
    line-height: 1;
    letter-spacing: .12em;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-eyebrow::before {
    content: "";
    width: 24px;
    height: 2px;
    border-radius: 999px;
    background: currentColor;
}

#zumi-native-insurance .zni-eyebrow--dark {
    color: rgba(255, 255, 255, .68);
}

#zumi-native-insurance .zni-eyebrow--light {
    color: #F1C7A4;
}

/* HERO */
#zumi-native-insurance .zni-hero {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 1.26fr) minmax(380px, .74fr);
    min-height: clamp(430px, 31vw, 610px);
    overflow: hidden;
    border-radius: 4px;
    background:
        linear-gradient(90deg, rgba(247,241,237,.97) 0%, rgba(247,241,237,.92) 34%, rgba(238,224,214,.78) 58%, rgba(41,30,24,.22) 100%),
        radial-gradient(circle at 14% 8%, rgba(232,94,42,.16), transparent 32%),
        url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") center 52% / cover no-repeat;
    border: 1px solid rgba(112, 76, 58, .10);
}

#zumi-native-insurance .zni-hero::after {
    content: "";
    position: absolute;
    right: -7%;
    bottom: -48%;
    width: min(680px, 45vw);
    aspect-ratio: 1;
    border: 1px solid rgba(232,94,42,.18);
    border-radius: 50%;
    box-shadow:
        0 0 0 42px rgba(232,94,42,.055),
        0 0 0 84px rgba(232,94,42,.035);
    pointer-events: none;
}

#zumi-native-insurance .zni-hero__copy {
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: clamp(42px, 4.2vw, 88px);
}

#zumi-native-insurance .zni-hero h1 {
    max-width: 1060px;
    margin: 0;
    color: #171311;
    font-size: clamp(46px, 5vw, 100px);
    font-weight: 700;
    line-height: .98;
    letter-spacing: -.055em;
    text-wrap: balance;
}

#zumi-native-insurance .zni-hero__copy > p {
    max-width: 900px;
    margin: clamp(20px, 1.7vw, 32px) 0 0;
    color: #544B46;
    font-size: clamp(16px, 1.08vw, 22px);
    line-height: 1.65;
}

#zumi-native-insurance .zni-pill-row {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    margin-top: clamp(24px, 2vw, 38px);
}

#zumi-native-insurance .zni-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    min-height: 38px;
    padding: 8px 13px;
    border: 1px solid rgba(67, 44, 32, .12);
    border-radius: 4px;
    background: rgba(255,255,255,.62);
    color: #2E2926;
    font-size: 12.5px;
    font-weight: 600;
    backdrop-filter: blur(8px);
}

#zumi-native-insurance .zni-pill svg {
    color: var(--zni-orange);
    font-size: 15px;
}

#zumi-native-insurance .zni-insurer-card {
    position: relative;
    z-index: 2;
    align-self: stretch;
    display: grid;
    grid-template-rows: 1fr auto;
    margin: clamp(18px, 1.5vw, 28px);
    margin-left: 0;
    overflow: hidden;
    border-radius: 4px;
    background: rgba(255,255,255,.86);
    border: 1px solid rgba(255,255,255,.88);
    box-shadow: var(--zni-shadow);
    backdrop-filter: blur(14px);
}

#zumi-native-insurance .zni-insurer-card__top {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 16px;
    min-height: 250px;
    padding: 36px;
}

#zumi-native-insurance .zni-insurer-card__top > span {
    color: #6B625D;
    font-size: 14px;
    font-weight: 600;
}

#zumi-native-insurance .zni-insurer-card__top img {
    width: min(86%, 420px);
    height: auto;
    object-fit: contain;
}

#zumi-native-insurance .zni-insurer-card__bottom {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 16px;
    align-items: start;
    padding: 24px 28px;
    background: var(--zni-dark);
    color: #FFFFFF;
}

#zumi-native-insurance .zni-icon-badge {
    display: grid;
    place-items: center;
    width: 42px;
    height: 42px;
    flex: 0 0 auto;
    border-radius: 4px;
    background: rgba(232,94,42,.14);
    color: var(--zni-orange);
    font-size: 22px;
}

#zumi-native-insurance .zni-insurer-card__bottom strong {
    display: block;
    margin: 1px 0 6px;
    font-size: clamp(17px, 1vw, 20px);
    line-height: 1.2;
}

#zumi-native-insurance .zni-insurer-card__bottom p {
    margin: 0;
    color: rgba(255,255,255,.66);
    font-size: 13px;
    line-height: 1.55;
}

/* COMMON SECTIONS */
#zumi-native-insurance .zni-section {
    padding: clamp(38px, 3.4vw, 68px);
    border-radius: 4px;
    background: #FFFFFF;
    border: 1px solid #EEE9E5;
}

#zumi-native-insurance .zni-section-head {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(320px, .65fr);
    gap: clamp(28px, 4vw, 80px);
    align-items: end;
    margin-bottom: clamp(26px, 2.5vw, 48px);
}

#zumi-native-insurance .zni-section-head h2,
#zumi-native-insurance .zni-contact h2 {
    margin: 0;
    color: var(--zni-ink);
    font-size: clamp(32px, 3vw, 60px);
    font-weight: 700;
    line-height: 1.02;
    letter-spacing: -.045em;
    text-wrap: balance;
}

#zumi-native-insurance .zni-section-head > p {
    margin: 0;
    color: var(--zni-muted);
    font-size: clamp(15px, .95vw, 18px);
    line-height: 1.65;
}

/* PLAN SELECTOR */
#zumi-native-insurance .zni-plan-tabs {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px;
    margin-bottom: 12px;
    padding-top: 2px;
}

#zumi-native-insurance .zni-plan-tab {
    position: relative;
    display: grid;
    grid-template-columns: auto minmax(0, 1fr) auto;
    gap: 13px;
    align-items: center;
    min-width: 0;
    min-height: 92px;
    padding: 16px 18px;
    border: 1px solid var(--zni-line);
    border-radius: 4px;
    background: #FFFFFF;
    color: #282321;
    text-align: left;
    cursor: pointer;
    overflow: visible;
    -webkit-appearance: none;
    appearance: none;
    box-shadow: none;
    transform: none;
    transition: border-color .16s ease, background-color .16s ease, box-shadow .16s ease;
}

#zumi-native-insurance .zni-plan-tab:hover,
#zumi-native-insurance .zni-plan-tab:focus-visible {
    border-color: rgba(232,94,42,.55);
    outline: none;
}

#zumi-native-insurance .zni-plan-tab.is-active {
    border-color: var(--zni-orange);
    background: #FFF8F4;
    box-shadow: inset 0 0 0 1px var(--zni-orange);
}

#zumi-native-insurance .zni-plan-tab__icon {
    display: grid;
    place-items: center;
    width: 42px;
    height: 42px;
    border-radius: 4px;
    background: #F4F1EF;
    color: #57504C;
    font-size: 21px;
}

#zumi-native-insurance .zni-plan-tab.is-active .zni-plan-tab__icon {
    background: var(--zni-orange);
    color: #FFFFFF;
}

#zumi-native-insurance .zni-plan-tab__text {
    min-width: 0;
}

#zumi-native-insurance .zni-plan-tab__text strong,
#zumi-native-insurance .zni-plan-tab__text small {
    display: block;
}

#zumi-native-insurance .zni-plan-tab__text strong {
    font-size: clamp(14px, .9vw, 17px);
    line-height: 1.2;
}

#zumi-native-insurance .zni-plan-tab__text small {
    margin-top: 4px;
    color: #817973;
    font-size: 11px;
    line-height: 1.2;
}

#zumi-native-insurance .zni-plan-tab__liability {
    white-space: nowrap;
    color: #4D4642;
    font-size: 13px;
    font-weight: 700;
}

#zumi-native-insurance .zni-plan-tab__badge {
    position: absolute;
    top: 7px;
    right: 10px;
    z-index: 3;
    max-width: calc(100% - 20px);
    padding: 4px 8px;
    border-radius: 4px;
    background: linear-gradient(180deg, #F0B33A 0%, #D88714 100%);
    color: #FFFFFF;
    font-size: 8px;
    font-weight: 700;
    line-height: 1;
    letter-spacing: .08em;
    text-transform: uppercase;
    white-space: nowrap;
    box-shadow: 0 4px 12px rgba(216,135,20,.22);
}

#zumi-native-insurance .zni-plan-tab__badge--neutral {
    background: #26211F;
    box-shadow: none;
}

/* Match the vehicle-page orange-gold treatment for the recommended Zero Excess option. */
#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"] {
    color: #8F4C08;
    background: linear-gradient(180deg, #FFF8DF 0%, #FFE19A 100%);
    border-color: var(--zni-recommended);
    box-shadow:
        inset 0 1px 0 rgba(255,255,255,.92),
        inset 0 -1px 0 rgba(209,122,18,.13),
        0 6px 18px rgba(216,135,20,.08);
}

#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"]:hover,
#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"]:focus-visible {
    border-color: var(--zni-recommended-dark);
    box-shadow:
        inset 0 1px 0 rgba(255,255,255,.95),
        inset 0 -1px 0 rgba(209,122,18,.16),
        0 8px 22px rgba(216,135,20,.13);
}

#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"] .zni-plan-tab__icon {
    color: #FFFFFF;
    background: linear-gradient(180deg, #F0B33A 0%, #D88714 100%);
    box-shadow: 0 5px 12px rgba(216,135,20,.20);
}

#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"] .zni-plan-tab__text strong,
#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"] .zni-plan-tab__liability {
    color: var(--zni-recommended-dark);
}

#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"] .zni-plan-tab__text small {
    color: #9A681D;
}

#zumi-native-insurance .zni-plan-tab[data-zni-plan="zero"].is-active {
    border-color: var(--zni-recommended-dark);
    background: linear-gradient(180deg, #FFF5D5 0%, #FFD97B 100%);
    box-shadow:
        inset 0 0 0 1px var(--zni-recommended-dark),
        inset 0 1px 0 rgba(255,255,255,.95),
        0 8px 24px rgba(216,135,20,.16);
}

/* A restrained gold wash carries the same recommendation into the open Zero Excess detail panel. */
#zumi-native-insurance #zni-panel-zero {
    background: linear-gradient(145deg, #FFFDF5 0%, #FFF3CF 100%);
    border-color: rgba(226,164,40,.48);
}

#zumi-native-insurance #zni-panel-zero .zni-plan-panel__heading {
    border-bottom-color: rgba(209,122,18,.18);
}

#zumi-native-insurance #zni-panel-zero .zni-plan-panel__kicker,
#zumi-native-insurance #zni-panel-zero .zni-plan-panel__strap {
    color: var(--zni-recommended-dark);
}

#zumi-native-insurance #zni-panel-zero .zni-liability-card,
#zumi-native-insurance #zni-panel-zero .zni-mini-facts > div {
    border-color: rgba(226,164,40,.34);
    background: rgba(255,255,255,.78);
}

#zumi-native-insurance #zni-panel-zero .zni-benefits li > span {
    color: #FFFFFF;
    background: linear-gradient(180deg, #F0B33A 0%, #D88714 100%);
}

#zumi-native-insurance .zni-coverage-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.42fr) minmax(330px, .58fr);
    gap: 12px;
}

#zumi-native-insurance .zni-plan-stage {
    min-width: 0;
}

#zumi-native-insurance .zni-plan-panel {
    height: auto;
    min-height: 0;
    padding: clamp(27px, 2.4vw, 46px);
    border-radius: 4px;
    background: linear-gradient(145deg, #FFFDFC, #F8F4F1);
    border: 1px solid #E8E1DD;
}

#zumi-native-insurance .zni-plan-panel[hidden] {
    display: none !important;
}

#zumi-native-insurance .zni-plan-panel__heading {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 28px;
    align-items: start;
    padding-bottom: clamp(24px, 2vw, 36px);
    border-bottom: 1px solid #E9E0DB;
}

#zumi-native-insurance .zni-plan-panel__kicker {
    display: block;
    margin-bottom: 9px;
    color: var(--zni-orange);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .11em;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-plan-panel h3 {
    margin: 0;
    font-size: clamp(34px, 3vw, 62px);
    font-weight: 500;
    line-height: 1;
    letter-spacing: -.05em;
}

#zumi-native-insurance .zni-plan-panel__strap {
    margin: 11px 0 0;
    color: var(--zni-orange);
    font-size: clamp(14px, .94vw, 18px);
    line-height: 1.35;
}

#zumi-native-insurance .zni-liability-card {
    min-width: 160px;
    padding: 15px 17px;
    border-radius: 4px;
    background: #FFFFFF;
    border: 1px solid #E8E0DB;
    text-align: right;
}

#zumi-native-insurance .zni-liability-card small,
#zumi-native-insurance .zni-liability-card strong {
    display: block;
}

#zumi-native-insurance .zni-liability-card small {
    color: #837A75;
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: .07em;
}

#zumi-native-insurance .zni-liability-card strong {
    margin-top: 4px;
    color: #1E1917;
    font-size: 19px;
}

#zumi-native-insurance .zni-plan-panel__lead {
    display: block;
    margin: clamp(24px, 2vw, 36px) 0 20px;
    font-size: clamp(18px, 1.25vw, 24px);
    line-height: 1.3;
}

#zumi-native-insurance .zni-benefits {
    display: grid;
    gap: 15px;
    margin: 0;
    padding: 0;
    list-style: none;
}

#zumi-native-insurance .zni-benefits li {
    display: grid;
    grid-template-columns: 28px minmax(0, 1fr);
    gap: 11px;
    align-items: start;
}

#zumi-native-insurance .zni-benefits li > span {
    display: grid;
    place-items: center;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: rgba(232,94,42,.1);
    color: var(--zni-orange);
    font-size: 16px;
}

#zumi-native-insurance .zni-benefits p {
    margin: 3px 0 0;
    color: #514A46;
    font-size: clamp(14px, .9vw, 17px);
    line-height: 1.55;
}

#zumi-native-insurance .zni-mini-facts {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
    margin-top: clamp(28px, 2.4vw, 44px);
}

#zumi-native-insurance .zni-mini-facts > div {
    padding: 13px 15px;
    border-radius: 4px;
    background: #FFFFFF;
    border: 1px solid #EBE5E1;
}

#zumi-native-insurance .zni-mini-facts small,
#zumi-native-insurance .zni-mini-facts strong {
    display: block;
}

#zumi-native-insurance .zni-mini-facts small {
    color: #8A817B;
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: .06em;
}

#zumi-native-insurance .zni-mini-facts strong {
    margin-top: 3px;
    font-size: 13px;
}

#zumi-native-insurance .zni-addon-card {
    position: relative;
    min-height: 520px;
    overflow: hidden;
    border-radius: 4px;
    background:
        radial-gradient(circle at 85% 90%, rgba(232,94,42,.22), transparent 34%),
        linear-gradient(145deg, #171311, #241A15);
    color: #FFFFFF;
}

#zumi-native-insurance .zni-addon-card::before {
    content: "";
    position: absolute;
    left: -24%;
    bottom: -38%;
    width: 420px;
    aspect-ratio: 1;
    border: 1px solid rgba(255,255,255,.07);
    border-radius: 50%;
    box-shadow: 0 0 0 42px rgba(255,255,255,.025), 0 0 0 84px rgba(255,255,255,.018);
}

#zumi-native-insurance .zni-addon-card__copy {
    position: relative;
    z-index: 2;
    padding: clamp(26px, 2.3vw, 42px);
}

#zumi-native-insurance .zni-icon-badge--orange {
    width: 46px;
    height: 46px;
    margin-bottom: 20px;
    background: var(--zni-orange);
    color: #FFFFFF;
}

#zumi-native-insurance .zni-addon-card h3 {
    max-width: 420px;
    margin: 0;
    color: #FFFFFF;
    font-size: clamp(27px, 2vw, 40px);
    font-weight: 600;
    line-height: 1.04;
    letter-spacing: -.04em;
}

#zumi-native-insurance .zni-addon-card__copy > p {
    max-width: 490px;
    margin: 17px 0 0;
    color: rgba(255,255,255,.72);
    font-size: 14px;
    line-height: 1.6;
}

#zumi-native-insurance .zni-addon-card__note {
    display: grid;
    grid-template-columns: 20px 1fr;
    gap: 9px;
    max-width: 500px;
    margin-top: 20px;
    padding: 13px 14px;
    border: 1px solid rgba(255,255,255,.1);
    border-radius: 4px;
    background: rgba(255,255,255,.055);
    color: rgba(255,255,255,.82);
    font-size: 12px;
    line-height: 1.5;
}

#zumi-native-insurance .zni-addon-card__note svg {
    margin-top: 1px;
    color: #F1C7A4;
    font-size: 18px;
}

#zumi-native-insurance .zni-addon-card__vehicle {
    position: absolute;
    z-index: 1;
    right: -5%;
    bottom: 2%;
    width: 82%;
    pointer-events: none;
}

#zumi-native-insurance .zni-addon-card__vehicle img {
    width: 100%;
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 18px 28px rgba(0,0,0,.32));
}

#zumi-native-insurance .zni-terms {
    margin: 13px 3px 0;
    color: #8B827D;
    font-size: 11px;
    line-height: 1.45;
}

/* FAQ */
#zumi-native-insurance .zni-faq {
    background: #F8F5F2;
}

#zumi-native-insurance .zni-faq-list {
    display: grid;
    gap: 8px;
}

#zumi-native-insurance .zni-faq-item {
    overflow: hidden;
    border: 1px solid #E7E0DB;
    border-radius: 4px;
    background: #FFFFFF;
}

#zumi-native-insurance .zni-faq-item summary {
    display: grid;
    grid-template-columns: 42px minmax(0, 1fr) 38px;
    gap: 14px;
    align-items: center;
    min-height: 72px;
    padding: 14px 16px;
    list-style: none;
    cursor: pointer;
    user-select: none;
}

#zumi-native-insurance .zni-faq-item summary::-webkit-details-marker {
    display: none;
}

#zumi-native-insurance .zni-faq-item__number {
    display: grid;
    place-items: center;
    width: 40px;
    height: 40px;
    border-radius: 4px;
    background: #F5F1EE;
    color: #8B817A;
    font-size: 11px;
    font-weight: 700;
}

#zumi-native-insurance .zni-faq-item__question {
    color: #272220;
    font-size: clamp(14px, .95vw, 18px);
    font-weight: 600;
    line-height: 1.35;
}

#zumi-native-insurance .zni-faq-item__plus {
    display: grid;
    place-items: center;
    width: 36px;
    height: 36px;
    border-radius: 4px;
    background: #F7F3F0;
    color: #5D5651;
    font-size: 18px;
    transition: transform .16s ease, background-color .16s ease, color .16s ease;
}

#zumi-native-insurance .zni-faq-item[open] .zni-faq-item__plus {
    transform: rotate(45deg);
    background: var(--zni-orange);
    color: #FFFFFF;
}

#zumi-native-insurance .zni-faq-item__answer {
    margin: 0 16px 16px 72px;
    padding: 0 0 4px;
    color: #5D5651;
}

#zumi-native-insurance .zni-faq-item__answer p {
    max-width: 1400px;
    margin: 0 0 12px;
    font-size: 14px;
    line-height: 1.7;
}

#zumi-native-insurance .zni-exclusion-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 7px 10px;
    margin: 18px 0 3px;
    padding: 0;
    list-style: none;
}

#zumi-native-insurance .zni-exclusion-grid li {
    display: grid;
    grid-template-columns: 22px minmax(0, 1fr);
    gap: 7px;
    align-items: start;
    padding: 10px 11px;
    border-radius: 4px;
    background: #F8F5F2;
    color: #514A46;
    font-size: 12px;
    line-height: 1.4;
}

#zumi-native-insurance .zni-exclusion-grid li > span {
    display: grid;
    place-items: center;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: rgba(232,94,42,.1);
    color: var(--zni-orange);
    font-size: 12px;
}

/* CONTACT */
#zumi-native-insurance .zni-contact {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 36px;
    align-items: center;
    overflow: hidden;
    padding: clamp(38px, 3.4vw, 68px);
    border-radius: 4px;
    background:
        linear-gradient(90deg, rgba(16,11,10,.90) 0%, rgba(16,11,10,.82) 36%, rgba(16,11,10,.62) 58%, rgba(16,11,10,.84) 100%),
        radial-gradient(circle at 86% 18%, rgba(232,94,42,.22), transparent 30%),
        url("https://zumirentals.com/wp-content/uploads/2026/10/zumi_insurance_giraffe_sunset_banner.webp") center center / cover no-repeat;
    color: #FFFFFF;
}

#zumi-native-insurance .zni-contact::after {
    content: "";
    position: absolute;
    right: -6%;
    bottom: -120%;
    width: 560px;
    aspect-ratio: 1;
    border: 1px solid rgba(255,255,255,.06);
    border-radius: 50%;
    box-shadow: 0 0 0 55px rgba(255,255,255,.025), 0 0 0 110px rgba(255,255,255,.018);
    pointer-events: none;
}

#zumi-native-insurance .zni-contact__copy,
#zumi-native-insurance .zni-contact__actions {
    position: relative;
    z-index: 2;
}

#zumi-native-insurance .zni-contact h2 {
    max-width: 920px;
    color: #FFFFFF;
}

#zumi-native-insurance .zni-contact__copy > p {
    max-width: 860px;
    margin: 16px 0 0;
    color: rgba(255,255,255,.66);
    font-size: 14px;
    line-height: 1.65;
}

#zumi-native-insurance .zni-contact__actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 9px;
    width: min(330px, 28vw);
}

#zumi-native-insurance .zni-btn {
    display: grid;
    grid-template-columns: 24px minmax(0, 1fr) 22px;
    gap: 10px;
    align-items: center;
    min-height: 58px;
    padding: 13px 15px;
    border: 1px solid transparent;
    border-radius: 4px;
    text-decoration: none;
    font-size: 13px;
    font-weight: 700;
    transform: none !important;
    transition: background-color .14s ease, border-color .14s ease, color .14s ease;
}

#zumi-native-insurance .zni-btn:hover,
#zumi-native-insurance .zni-btn:focus-visible {
    transform: none !important;
    outline: none;
}

#zumi-native-insurance .zni-btn > span:first-child {
    font-size: 20px;
}

#zumi-native-insurance .zni-btn__arrow {
    justify-self: end;
    font-size: 19px !important;
}

#zumi-native-insurance .zni-btn--primary {
    background: #E85E2A !important;
    color: #FFFFFF;
}

#zumi-native-insurance .zni-btn--primary:hover,
#zumi-native-insurance .zni-btn--primary:focus-visible {
    background: #E85E2A !important;
    color: #FFFFFF;
}

#zumi-native-insurance .zni-btn--ghost {
    border-color: rgba(255,255,255,.18);
    background: rgba(255,255,255,.06);
    color: #FFFFFF;
}

#zumi-native-insurance .zni-btn--ghost:hover,
#zumi-native-insurance .zni-btn--ghost:focus-visible {
    border-color: rgba(255,255,255,.32);
    background: rgba(255,255,255,.11);
    color: #FFFFFF;
}

/* TABLET */
@media (max-width: 1180px) {
    #zumi-native-insurance .zni-hero {
        grid-template-columns: minmax(0, 1.05fr) minmax(330px, .95fr);
    }

    #zumi-native-insurance .zni-coverage-grid {
        grid-template-columns: 1fr;
    }

    #zumi-native-insurance .zni-addon-card {
        min-height: 390px;
    }

    #zumi-native-insurance .zni-addon-card__copy {
        max-width: 62%;
    }

    #zumi-native-insurance .zni-addon-card__vehicle {
        width: 47%;
        right: 1%;
        bottom: 5%;
    }
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-shell {
        padding-top: 10px;
        padding-bottom: 10px;
    }

    #zumi-native-insurance .zni-hero {
        grid-template-columns: 1fr;
        background-position: 60% center;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding-bottom: 28px;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: 1fr 1fr;
        grid-template-rows: none;
        margin: 0 18px 18px;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        min-height: 180px;
        padding: 24px;
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        align-items: center;
    }

    #zumi-native-insurance .zni-section-head {
        grid-template-columns: 1fr;
        gap: 15px;
        align-items: start;
    }

    #zumi-native-insurance .zni-plan-tabs {
        grid-template-columns: 1fr;
    }

    #zumi-native-insurance .zni-plan-tab {
        min-height: 78px;
    }

    #zumi-native-insurance .zni-contact {
        grid-template-columns: 1fr;
    }

    #zumi-native-insurance .zni-contact__actions {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        width: 100%;
    }
}

/* MOBILE */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-shell {
        padding: 8px 0;
    }

    #zumi-native-insurance .zni-page {
        /* Mobile-only breathing room between the major stacked page sections. */
        gap: 18px;
    }

    #zumi-native-insurance .zni-hero,
    #zumi-native-insurance .zni-section,
    #zumi-native-insurance .zni-contact {
        margin-left: 8px;
        margin-right: 8px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-hero {
        min-height: 0;
        background:
            linear-gradient(180deg, rgba(247,241,237,.95) 0%, rgba(247,241,237,.91) 54%, rgba(238,224,214,.82) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") 61% center / cover no-repeat;
    }

    #zumi-native-insurance .zni-hero::after {
        width: 420px;
        right: -45%;
        bottom: -40%;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding: 31px 20px 22px;
    }

    #zumi-native-insurance .zni-eyebrow {
        margin-bottom: 10px;
        font-size: 9.5px;
    }

    #zumi-native-insurance .zni-eyebrow::before {
        width: 18px;
    }

    #zumi-native-insurance .zni-hero h1 {
        font-size: clamp(38px, 12vw, 54px);
        line-height: .99;
        letter-spacing: -.05em;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        margin-top: 16px;
        font-size: 13.5px;
        line-height: 1.55;
    }

    #zumi-native-insurance .zni-pill-row {
        gap: 6px;
        margin-top: 18px;
    }

    #zumi-native-insurance .zni-pill {
        min-height: 31px;
        padding: 6px 9px;
        font-size: 9.5px;
        backdrop-filter: none;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: 1fr;
        margin: 0 8px 8px;
        border-radius: 4px;
        backdrop-filter: none;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        min-height: 145px;
        gap: 10px;
        padding: 20px;
    }

    #zumi-native-insurance .zni-insurer-card__top > span {
        font-size: 11px;
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        width: min(80%, 260px);
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        gap: 12px;
        padding: 17px;
    }

    #zumi-native-insurance .zni-section,
    #zumi-native-insurance .zni-contact {
        padding: 26px 16px;
    }

    #zumi-native-insurance .zni-section-head {
        margin-bottom: 20px;
    }

    #zumi-native-insurance .zni-section-head h2,
    #zumi-native-insurance .zni-contact h2 {
        font-size: 31px;
        line-height: 1.03;
    }

    #zumi-native-insurance .zni-section-head > p,
    #zumi-native-insurance .zni-contact__copy > p {
        font-size: 12.5px;
        line-height: 1.6;
    }

    #zumi-native-insurance .zni-plan-tabs {
        gap: 7px;
    }

    #zumi-native-insurance .zni-plan-tab {
        min-height: 76px;
        grid-template-columns: 36px minmax(0, 1fr) auto;
        gap: 10px;
        padding: 18px 12px 11px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-plan-tab__badge {
        top: 11px;
        right: 9px;
        padding: 3px 7px;
        font-size: 7px;
    }

    #zumi-native-insurance .zni-plan-tab__icon {
        width: 36px;
        height: 36px;
        border-radius: 4px;
        font-size: 17px;
    }

    #zumi-native-insurance .zni-plan-tab__text strong {
        font-size: 12.5px;
    }

    #zumi-native-insurance .zni-plan-tab__text small {
        font-size: 9.5px;
    }

    #zumi-native-insurance .zni-plan-tab__liability {
        font-size: 11px;
    }

    #zumi-native-insurance .zni-plan-panel {
        min-height: 0;
        padding: 20px 16px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-plan-panel__heading {
        grid-template-columns: 1fr;
        gap: 14px;
        padding-bottom: 19px;
    }

    #zumi-native-insurance .zni-plan-panel h3 {
        font-size: 37px;
    }

    #zumi-native-insurance .zni-plan-panel__strap {
        margin-top: 8px;
        font-size: 12.5px;
    }

    #zumi-native-insurance .zni-liability-card {
        min-width: 0;
        text-align: left;
    }

    #zumi-native-insurance .zni-plan-panel__lead {
        margin: 20px 0 15px;
        font-size: 17px;
    }

    #zumi-native-insurance .zni-benefits {
        gap: 12px;
    }

    #zumi-native-insurance .zni-benefits li {
        grid-template-columns: 25px 1fr;
        gap: 9px;
    }

    #zumi-native-insurance .zni-benefits li > span {
        width: 25px;
        height: 25px;
        font-size: 14px;
    }

    #zumi-native-insurance .zni-benefits p {
        margin-top: 2px;
        font-size: 12px;
        line-height: 1.5;
    }

    #zumi-native-insurance .zni-mini-facts {
        grid-template-columns: 1fr;
        gap: 6px;
        margin-top: 20px;
    }

    #zumi-native-insurance .zni-addon-card {
        min-height: 480px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-addon-card__copy {
        max-width: none;
        padding: 22px 17px;
    }

    #zumi-native-insurance .zni-addon-card h3 {
        font-size: 29px;
    }

    #zumi-native-insurance .zni-addon-card__copy > p {
        font-size: 12px;
    }

    #zumi-native-insurance .zni-addon-card__note {
        font-size: 10.5px;
    }

    #zumi-native-insurance .zni-addon-card__vehicle {
        width: 88%;
        right: -4%;
        bottom: 2%;
    }

    #zumi-native-insurance .zni-terms {
        margin-top: 10px;
        font-size: 9px;
    }

    #zumi-native-insurance .zni-faq-item summary {
        grid-template-columns: 32px minmax(0, 1fr) 32px;
        gap: 9px;
        min-height: 62px;
        padding: 10px;
    }

    #zumi-native-insurance .zni-faq-item__number {
        width: 32px;
        height: 32px;
        border-radius: 4px;
        font-size: 9px;
    }

    #zumi-native-insurance .zni-faq-item__question {
        font-size: 11.5px;
    }

    #zumi-native-insurance .zni-faq-item__plus {
        width: 31px;
        height: 31px;
        border-radius: 4px;
        font-size: 15px;
    }

    #zumi-native-insurance .zni-faq-item__answer {
        margin: 0 12px 14px 51px;
    }

    #zumi-native-insurance .zni-faq-item__answer p {
        font-size: 11px;
        line-height: 1.6;
    }

    #zumi-native-insurance .zni-exclusion-grid {
        grid-template-columns: 1fr;
        gap: 5px;
    }

    #zumi-native-insurance .zni-exclusion-grid li {
        font-size: 10px;
    }

    #zumi-native-insurance .zni-contact__actions {
        grid-template-columns: 1fr;
        gap: 7px;
    }

    #zumi-native-insurance .zni-btn {
        min-height: 52px;
        border-radius: 4px;
        font-size: 12px;
    }
}

/* Long translated strings should wrap naturally at spaces without artificial hyphenation. */
html[lang^="de"] #zumi-native-insurance,
html[lang^="ru"] #zumi-native-insurance,
#zumi-native-insurance[data-zumi-language="de"],
#zumi-native-insurance[data-zumi-language="ru"] {
    overflow-wrap: normal;
}

html[lang^="de"] #zumi-native-insurance .zni-plan-tab__text strong,
html[lang^="ru"] #zumi-native-insurance .zni-plan-tab__text strong,
#zumi-native-insurance[data-zumi-language="de"] .zni-plan-tab__text strong,
#zumi-native-insurance[data-zumi-language="ru"] .zni-plan-tab__text strong {
    font-size: clamp(12px, .78vw, 15px);
}

@media (prefers-reduced-motion: reduce) {
    #zumi-native-insurance *,
    #zumi-native-insurance *::before,
    #zumi-native-insurance *::after {
        scroll-behavior: auto !important;
        transition: none !important;
        animation: none !important;
    }
}

/* ============================================================
   v1.0.3 — CINEMATIC / HIGH-IMPACT INSURANCE HERO
   Stronger image contrast, more aggressive hierarchy and a
   floating Zero Excess recommendation card to match the visual
   language used across Zumi's newer vehicle / booking pages.
   ============================================================ */

#zumi-native-insurance .zni-hero {
    isolation: isolate;
    grid-template-columns: minmax(0, 1fr) minmax(320px, .43fr);
    min-height: clamp(590px, 38vw, 760px);
    background:
        linear-gradient(90deg,
            rgba(18, 13, 11, .98) 0%,
            rgba(18, 13, 11, .94) 31%,
            rgba(18, 13, 11, .78) 52%,
            rgba(18, 13, 11, .38) 72%,
            rgba(18, 13, 11, .18) 100%),
        linear-gradient(180deg,
            rgba(0,0,0,.03) 0%,
            rgba(0,0,0,.12) 58%,
            rgba(0,0,0,.58) 100%),
        url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") 56% 52% / cover no-repeat;
    border: 1px solid rgba(255,255,255,.10);
    box-shadow:
        0 24px 70px rgba(28,17,12,.16),
        inset 0 1px 0 rgba(255,255,255,.09);
}

#zumi-native-insurance .zni-hero::before {
    content: "";
    position: absolute;
    z-index: 0;
    inset: 0;
    pointer-events: none;
    background:
        radial-gradient(circle at 10% 12%, rgba(232,94,42,.26), transparent 24%),
        radial-gradient(circle at 88% 18%, rgba(226,164,40,.13), transparent 22%),
        linear-gradient(112deg, transparent 0 61%, rgba(232,94,42,.12) 61.1% 61.35%, transparent 61.45%);
}

#zumi-native-insurance .zni-hero::after {
    z-index: 0;
    right: -10%;
    bottom: -44%;
    width: min(760px, 48vw);
    border-color: rgba(232,94,42,.28);
    box-shadow:
        0 0 0 46px rgba(232,94,42,.075),
        0 0 0 92px rgba(232,94,42,.04),
        0 0 90px rgba(232,94,42,.11);
}

#zumi-native-insurance .zni-hero__copy {
    z-index: 2;
    align-self: stretch;
    justify-content: center;
    max-width: 1180px;
    padding: clamp(48px, 5vw, 98px) clamp(34px, 4.6vw, 90px);
}

#zumi-native-insurance .zni-hero .zni-eyebrow {
    margin-bottom: clamp(16px, 1.35vw, 25px);
    color: #F1C7A4;
    font-size: clamp(11px, .72vw, 14px);
    letter-spacing: .16em;
}

#zumi-native-insurance .zni-hero .zni-eyebrow::before {
    width: 34px;
    height: 3px;
    box-shadow: 0 0 18px rgba(232,94,42,.55);
}

#zumi-native-insurance .zni-hero h1 {
    position: relative;
    max-width: 1020px;
    color: #FFFFFF;
    font-size: clamp(50px, 5.25vw, 104px);
    line-height: .93;
    letter-spacing: -.058em;
    text-shadow: 0 10px 34px rgba(0,0,0,.32);
}

#zumi-native-insurance .zni-hero h1::after {
    content: "";
    display: block;
    width: clamp(82px, 9vw, 175px);
    height: clamp(5px, .42vw, 8px);
    margin-top: clamp(18px, 1.5vw, 28px);
    border-radius: 999px;
    background: linear-gradient(90deg, #E85E2A 0%, #E2A428 100%);
    box-shadow: 0 0 26px rgba(232,94,42,.32);
}

#zumi-native-insurance .zni-hero__copy > p {
    max-width: 820px;
    margin-top: clamp(20px, 1.6vw, 30px);
    color: rgba(255,255,255,.78);
    font-size: clamp(15px, 1vw, 20px);
    line-height: 1.65;
    text-shadow: 0 4px 18px rgba(0,0,0,.20);
}

#zumi-native-insurance .zni-pill-row {
    gap: 8px;
    margin-top: clamp(26px, 2vw, 40px);
}

#zumi-native-insurance .zni-pill {
    min-height: 42px;
    padding: 9px 14px;
    border-color: rgba(255,255,255,.16);
    background: rgba(19,14,12,.56);
    color: rgba(255,255,255,.92);
    box-shadow:
        inset 0 1px 0 rgba(255,255,255,.07),
        0 8px 24px rgba(0,0,0,.12);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

#zumi-native-insurance .zni-pill svg {
    color: #F1C7A4;
    filter: drop-shadow(0 0 8px rgba(232,94,42,.25));
}

#zumi-native-insurance .zni-hero__edge-mark {
    position: absolute;
    z-index: 2;
    top: 28px;
    right: 22px;
    color: rgba(255,255,255,.44);
    font-size: 8px;
    font-weight: 700;
    letter-spacing: .22em;
    writing-mode: vertical-rl;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-hero__rail {
    position: relative;
    z-index: 3;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 14px;
    min-width: 0;
    padding: clamp(28px, 2.2vw, 42px) clamp(30px, 2.4vw, 48px) clamp(28px, 2.2vw, 42px) 0;
}

#zumi-native-insurance .zni-protection-card {
    position: relative;
    overflow: hidden;
    padding: clamp(20px, 1.6vw, 28px);
    border: 1px solid rgba(255,231,161,.78);
    border-radius: 4px;
    background:
        radial-gradient(circle at 90% 0%, rgba(255,255,255,.72), transparent 25%),
        linear-gradient(145deg, #FFF9E7 0%, #FFE6A2 54%, #E6AA31 100%);
    color: #6D3B08;
    box-shadow:
        0 22px 55px rgba(0,0,0,.22),
        0 0 0 1px rgba(216,135,20,.16),
        inset 0 1px 0 rgba(255,255,255,.90);
    transform: translateX(-12px) rotate(-1.15deg);
}

#zumi-native-insurance .zni-protection-card::after {
    content: "0";
    position: absolute;
    z-index: 0;
    right: -12px;
    top: -44px;
    color: rgba(120,64,8,.08);
    font-size: clamp(160px, 13vw, 250px);
    font-weight: 700;
    line-height: 1;
    letter-spacing: -.09em;
    pointer-events: none;
}

#zumi-native-insurance .zni-protection-card > * {
    position: relative;
    z-index: 1;
}

#zumi-native-insurance .zni-protection-card__topline {
    display: flex;
    align-items: center;
    gap: 9px;
    color: #8B4B08;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-protection-card__shield {
    display: grid;
    place-items: center;
    width: 34px;
    height: 34px;
    border-radius: 4px;
    background: linear-gradient(180deg, #F0B33A 0%, #D88714 100%);
    color: #FFFFFF;
    font-size: 18px;
    box-shadow: 0 7px 16px rgba(159,89,7,.20);
}

#zumi-native-insurance .zni-protection-card__main {
    display: flex;
    flex-direction: column;
    margin-top: clamp(21px, 1.7vw, 31px);
}

#zumi-native-insurance .zni-protection-card__main > span {
    color: #7C470D;
    font-size: clamp(17px, 1.1vw, 22px);
    font-weight: 700;
    line-height: 1.15;
}

#zumi-native-insurance .zni-protection-card__main > strong {
    margin: 3px 0 1px;
    color: #5D3105;
    font-size: clamp(46px, 4.2vw, 82px);
    font-weight: 700;
    line-height: .94;
    letter-spacing: -.06em;
}

#zumi-native-insurance .zni-protection-card__main > small {
    color: rgba(93,49,5,.70);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-protection-card__footer {
    display: grid;
    grid-template-columns: 31px 1fr;
    gap: 10px;
    align-items: center;
    margin-top: 22px;
    padding-top: 17px;
    border-top: 1px solid rgba(116,61,6,.18);
}

#zumi-native-insurance .zni-protection-card__footer > span {
    display: grid;
    place-items: center;
    width: 31px;
    height: 31px;
    border-radius: 4px;
    background: rgba(255,255,255,.62);
    color: #A25A0B;
}

#zumi-native-insurance .zni-protection-card__footer small,
#zumi-native-insurance .zni-protection-card__footer strong {
    display: block;
}

#zumi-native-insurance .zni-protection-card__footer small {
    color: rgba(93,49,5,.64);
    font-size: 9px;
    font-weight: 600;
    letter-spacing: .05em;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-protection-card__footer strong {
    margin-top: 2px;
    color: #643705;
    font-size: 13px;
}

#zumi-native-insurance .zni-insurer-card {
    align-self: stretch;
    grid-template-rows: auto auto;
    margin: 0;
    overflow: hidden;
    border: 1px solid rgba(255,255,255,.16);
    border-radius: 4px;
    background: rgba(20,15,13,.80);
    box-shadow:
        0 22px 55px rgba(0,0,0,.24),
        inset 0 1px 0 rgba(255,255,255,.07);
    backdrop-filter: blur(15px);
    -webkit-backdrop-filter: blur(15px);
}

#zumi-native-insurance .zni-insurer-card__top {
    min-height: 142px;
    gap: 12px;
    padding: 24px 26px 21px;
    background: rgba(255,255,255,.95);
}

#zumi-native-insurance .zni-insurer-card__top > span {
    color: #746B66;
    font-size: 11px;
    letter-spacing: .04em;
}

#zumi-native-insurance .zni-insurer-card__top img {
    width: min(86%, 310px);
}

#zumi-native-insurance .zni-insurer-card__bottom {
    gap: 13px;
    padding: 20px 22px;
    background: rgba(17,13,11,.88);
}

#zumi-native-insurance .zni-insurer-card__bottom strong {
    font-size: clamp(16px, .92vw, 19px);
}

#zumi-native-insurance .zni-insurer-card__bottom p {
    color: rgba(255,255,255,.62);
    font-size: 11.5px;
}

/* Make the upgrade-anytime message read like an intentional callout, not loose body copy. */
#zumi-native-insurance .zni-coverage {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(circle at 95% 0%, rgba(232,94,42,.055), transparent 24%),
        linear-gradient(180deg, #FFFFFF 0%, #FFFBF8 100%);
    box-shadow: 0 18px 50px rgba(32,20,13,.035);
}

#zumi-native-insurance .zni-coverage::before {
    content: none;
    display: none;
}

#zumi-native-insurance .zni-coverage .zni-section-head > p {
    position: relative;
    padding: clamp(17px, 1.45vw, 25px) clamp(18px, 1.7vw, 30px);
    border: 1px solid rgba(255,255,255,.08);
    border-left: 4px solid var(--zni-recommended);
    border-radius: 4px;
    background: linear-gradient(135deg, #1A1512 0%, #28201C 100%);
    color: rgba(255,255,255,.80);
    box-shadow: 0 14px 34px rgba(26,17,13,.13);
}

#zumi-native-insurance .zni-coverage .zni-section-head > p::after {
    content: "";
    position: absolute;
    width: 54px;
    height: 54px;
    right: -12px;
    bottom: -18px;
    border-radius: 50%;
    border: 1px solid rgba(226,164,40,.23);
    box-shadow: 0 0 0 12px rgba(226,164,40,.04);
    pointer-events: none;
}

@media (max-width: 1180px) {
    #zumi-native-insurance .zni-hero {
        grid-template-columns: minmax(0, 1fr) minmax(290px, .40fr);
        min-height: 610px;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding: 48px 38px;
    }

    #zumi-native-insurance .zni-hero__rail {
        padding: 28px 30px 28px 0;
    }

    #zumi-native-insurance .zni-protection-card {
        transform: translateX(-7px) rotate(-.7deg);
    }
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        display: grid;
        grid-template-columns: 1fr;
        min-height: 0;
        background:
            linear-gradient(180deg,
                rgba(18,13,11,.92) 0%,
                rgba(18,13,11,.78) 43%,
                rgba(18,13,11,.60) 70%,
                rgba(18,13,11,.88) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") 60% center / cover no-repeat;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding: 48px 36px 30px;
    }

    #zumi-native-insurance .zni-hero__rail {
        display: grid;
        grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr);
        gap: 10px;
        padding: 0 26px 26px;
    }

    #zumi-native-insurance .zni-protection-card {
        min-height: 100%;
        transform: none;
    }

    #zumi-native-insurance .zni-insurer-card {
        min-height: 100%;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        min-height: 136px;
    }

    #zumi-native-insurance .zni-hero__edge-mark {
        display: none;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        background:
            linear-gradient(180deg,
                rgba(18,13,11,.94) 0%,
                rgba(18,13,11,.76) 45%,
                rgba(18,13,11,.61) 66%,
                rgba(18,13,11,.94) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") 62% center / cover no-repeat;
    }

    #zumi-native-insurance .zni-hero::after {
        width: 390px;
        right: -52%;
        bottom: -34%;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding: 36px 20px 25px;
    }

    #zumi-native-insurance .zni-hero h1 {
        font-size: clamp(40px, 12vw, 56px);
        line-height: .95;
    }

    #zumi-native-insurance .zni-hero h1::after {
        margin-top: 16px;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        margin-top: 15px;
        color: rgba(255,255,255,.76);
        font-size: 13px;
        line-height: 1.55;
    }

    #zumi-native-insurance .zni-pill-row {
        gap: 6px;
        margin-top: 19px;
    }

    #zumi-native-insurance .zni-pill {
        min-height: 32px;
        padding: 6px 9px;
        background: rgba(17,13,11,.64);
        font-size: 9.5px;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    #zumi-native-insurance .zni-hero__rail {
        grid-template-columns: 1fr;
        gap: 8px;
        padding: 0 8px 8px;
    }

    #zumi-native-insurance .zni-protection-card {
        margin: 0;
        padding: 20px 18px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-protection-card__main {
        margin-top: 16px;
    }

    #zumi-native-insurance .zni-protection-card__main > strong {
        font-size: 52px;
    }

    #zumi-native-insurance .zni-protection-card::after {
        top: -32px;
        right: -5px;
        font-size: 170px;
    }

    #zumi-native-insurance .zni-insurer-card {
        margin: 0;
        border-radius: 4px;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        min-height: 120px;
        padding: 18px 20px;
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        width: min(76%, 250px);
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        padding: 16px;
    }

    #zumi-native-insurance .zni-coverage .zni-section-head > p {
        padding: 15px 15px;
        border-left-width: 3px;
        border-radius: 4px;
        font-size: 12px;
    }
}


/* ============================================================
   v1.0.5 — COMPACT TRANSPARENT HOLLARD TRUST CARD
   Keep the Hollard mark on the glass surface itself: no white slab.
   The card becomes a short horizontal trust strip instead of a tall
   two-storey panel, while remaining compact on tablet and mobile.
   ============================================================ */

#zumi-native-insurance .zni-hero {
    grid-template-columns: minmax(0, 1fr) minmax(330px, .38fr);
}

#zumi-native-insurance .zni-hero__rail {
    justify-content: flex-end;
    align-items: flex-end;
    padding: clamp(30px, 2.5vw, 48px) clamp(30px, 2.4vw, 48px) clamp(34px, 3vw, 58px) 0;
}

#zumi-native-insurance .zni-insurer-card {
    display: grid;
    grid-template-columns: minmax(155px, .82fr) minmax(0, 1.18fr);
    grid-template-rows: 1fr;
    width: min(100%, 545px);
    max-width: 545px;
    min-height: 126px;
    margin: 0 0 0 auto;
    overflow: hidden;
    border: 1px solid rgba(255,255,255,.17);
    border-radius: 4px;
    background:
        radial-gradient(circle at 10% 15%, rgba(232,94,42,.14), transparent 34%),
        linear-gradient(135deg, rgba(25,18,15,.90) 0%, rgba(13,10,9,.84) 100%);
    box-shadow:
        0 24px 60px rgba(0,0,0,.28),
        0 0 0 1px rgba(255,255,255,.035),
        inset 0 1px 0 rgba(255,255,255,.08);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
}

#zumi-native-insurance .zni-insurer-card__top {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    gap: 8px;
    min-height: 0;
    padding: 18px 20px;
    border-right: 1px solid rgba(255,255,255,.10);
    background: transparent;
}

#zumi-native-insurance .zni-insurer-card__top > span {
    color: rgba(255,255,255,.64);
    font-size: 9.5px;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: .10em;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-insurer-card__top img {
    display: block;
    width: min(100%, 205px);
    max-width: 205px;
    height: auto;
    margin: 0;
    object-fit: contain;
    object-position: left center;
    background: transparent !important;
    filter:
        brightness(1.18)
        saturate(1.08)
        drop-shadow(0 5px 15px rgba(255,255,255,.09));
}

#zumi-native-insurance .zni-insurer-card__bottom {
    display: grid;
    grid-template-columns: 38px minmax(0, 1fr);
    align-items: center;
    gap: 12px;
    min-width: 0;
    padding: 18px 20px;
    background: transparent;
}

#zumi-native-insurance .zni-insurer-card__bottom .zni-icon-badge {
    width: 38px;
    height: 38px;
    border-radius: 4px;
    background: rgba(232,94,42,.15);
    color: #E85E2A;
    box-shadow: inset 0 0 0 1px rgba(232,94,42,.16);
}

#zumi-native-insurance .zni-insurer-card__bottom strong {
    display: block;
    color: #FFFFFF;
    font-size: clamp(14px, .86vw, 17px);
    line-height: 1.14;
}

#zumi-native-insurance .zni-insurer-card__bottom p {
    margin: 5px 0 0;
    color: rgba(255,255,255,.64);
    font-size: 10.5px;
    line-height: 1.42;
}

@media (max-width: 1180px) {
    #zumi-native-insurance .zni-hero {
        grid-template-columns: minmax(0, 1fr) minmax(315px, .40fr);
    }

    #zumi-native-insurance .zni-hero__rail {
        padding: 28px 28px 32px 0;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: minmax(145px, .78fr) minmax(0, 1.22fr);
        width: min(100%, 500px);
    }
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        grid-template-columns: 1fr;
    }

    #zumi-native-insurance .zni-hero__rail {
        display: flex;
        justify-content: flex-start;
        align-items: stretch;
        padding: 0 26px 26px;
    }

    #zumi-native-insurance .zni-insurer-card {
        width: min(100%, 560px);
        max-width: 560px;
        min-height: 116px;
        margin: 0;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero__rail {
        padding: 0 8px 8px;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: minmax(120px, .78fr) minmax(0, 1.22fr);
        width: 100%;
        min-height: 104px;
        border-radius: 4px;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        gap: 6px;
        padding: 14px 13px;
    }

    #zumi-native-insurance .zni-insurer-card__top > span {
        font-size: 7.7px;
        letter-spacing: .08em;
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        width: 100%;
        max-width: 160px;
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        grid-template-columns: 32px minmax(0, 1fr);
        gap: 9px;
        padding: 13px 12px;
    }

    #zumi-native-insurance .zni-insurer-card__bottom .zni-icon-badge {
        width: 32px;
        height: 32px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-insurer-card__bottom strong {
        font-size: 12.5px;
    }

    #zumi-native-insurance .zni-insurer-card__bottom p {
        margin-top: 3px;
        font-size: 9px;
        line-height: 1.34;
    }
}


/* ============================================================
   v1.0.6 — READABILITY + NEUTRAL INFORMATION + CAMPING FAQ
   ============================================================ */

/* Hero supporting copy: strong readable glass plate above the pills. */
#zumi-native-insurance .zni-hero__copy > p {
    max-width: 780px;
    padding: clamp(14px, 1.15vw, 19px) clamp(16px, 1.35vw, 23px);
    border: 1px solid rgba(255,255,255,.16);
    border-left: 3px solid #E85E2A;
    border-radius: 4px;
    background:
        linear-gradient(135deg, rgba(10,8,7,.82) 0%, rgba(22,16,13,.70) 100%);
    color: rgba(255,255,255,.96);
    box-shadow:
        0 14px 32px rgba(0,0,0,.20),
        inset 0 1px 0 rgba(255,255,255,.055);
    text-shadow: 0 2px 10px rgba(0,0,0,.46);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

/* Make the Hollard mark read clearly while keeping it truly transparent. */
#zumi-native-insurance .zni-insurer-card__top {
    position: relative;
    isolation: isolate;
    background:
        radial-gradient(ellipse at 34% 50%, rgba(255,255,255,.11) 0%, rgba(255,255,255,.035) 46%, transparent 74%);
}

#zumi-native-insurance .zni-insurer-card__top > span {
    color: rgba(255,255,255,.86);
    text-shadow: 0 2px 8px rgba(0,0,0,.40);
}

#zumi-native-insurance .zni-insurer-card__top img {
    opacity: 1;
    filter:
        brightness(1.72)
        saturate(1.18)
        contrast(1.06)
        drop-shadow(0 1px 0 rgba(255,255,255,.20))
        drop-shadow(0 7px 16px rgba(0,0,0,.26));
}

/* The Standard Excess / upgrade message is INFORMATION, not an option. */
#zumi-native-insurance .zni-coverage .zni-section-head > p {
    position: relative;
    padding: 17px 20px 17px 52px;
    border: 1px solid #DDE1E4;
    border-left: 1px solid #DDE1E4;
    border-radius: 4px;
    background: #F5F7F8;
    color: #4F575D;
    box-shadow: none;
    cursor: default;
}

#zumi-native-insurance .zni-coverage .zni-section-head > p::before {
    content: "i";
    position: absolute;
    left: 17px;
    top: 50%;
    display: grid;
    place-items: center;
    width: 23px;
    height: 23px;
    transform: translateY(-50%);
    border: 1px solid #B8C0C6;
    border-radius: 50%;
    background: #FFFFFF;
    color: #68747C;
    font-size: 13px;
    font-weight: 700;
    font-style: normal;
    line-height: 1;
}

#zumi-native-insurance .zni-coverage .zni-section-head > p::after {
    content: none;
    display: none;
}

/* Insurance FAQ: use the same clean line-based accordion as Hilux Camping. */
#zumi-native-insurance .zni-faq {
    background: #FFFFFF;
}

#zumi-native-insurance .zni-faq-list {
    display: block;
    border-top: 1px solid var(--zni-line);
}

#zumi-native-insurance .zni-faq-item {
    overflow: visible;
    border: 0;
    border-bottom: 1px solid var(--zni-line);
    border-radius: 0;
    background: transparent;
}

#zumi-native-insurance .zni-faq-item summary {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    min-height: 0;
    padding: clamp(18px, 1.4vw, 26px) 0;
    color: #1C1C1C;
    cursor: pointer;
    list-style: none;
    user-select: none;
    font-size: clamp(14px, .93vw, 18px);
    font-weight: 700;
    line-height: 1.3;
}

#zumi-native-insurance .zni-faq-item summary::-webkit-details-marker {
    display: none;
}

#zumi-native-insurance .zni-faq-item summary::after {
    content: "+";
    display: grid;
    place-items: center;
    flex: 0 0 31px;
    width: 31px;
    height: 31px;
    color: #FFFFFF;
    background: #1D1D1D;
    border-radius: 50%;
    font-size: 18px;
    font-weight: 400;
    line-height: 1;
    transition: transform 160ms ease, background-color 160ms ease;
}

#zumi-native-insurance .zni-faq-item[open] summary::after {
    content: "−";
    background: var(--zni-orange);
}

#zumi-native-insurance .zni-faq-item__number,
#zumi-native-insurance .zni-faq-item__plus {
    display: none !important;
}

#zumi-native-insurance .zni-faq-item__question {
    min-width: 0;
    color: #1C1C1C;
    font-size: inherit;
    font-weight: inherit;
    line-height: inherit;
}

#zumi-native-insurance .zni-faq-item__answer {
    margin: 0;
    padding: 0 46px clamp(20px, 1.5vw, 28px) 0;
    color: #696969;
}

#zumi-native-insurance .zni-faq-item__answer p {
    max-width: 1400px;
    margin: 0 0 10px;
    color: #696969;
    font-family: "Roboto", Arial, Helvetica, sans-serif;
    font-size: clamp(13px, .78vw, 15px);
    line-height: 1.65;
}

#zumi-native-insurance .zni-faq-item__answer p:last-child {
    margin-bottom: 0;
}

/* Highlighted emergency guidance inside the accident FAQ. */
#zumi-native-insurance .zni-faq-important {
    display: grid;
    grid-template-columns: 46px minmax(0, 1fr);
    gap: 14px;
    align-items: start;
    max-width: 1120px;
    margin: 2px 0 18px;
    padding: 16px 18px;
    border: 1px solid rgba(198, 40, 40, .34);
    border-left: 4px solid #C62828;
    border-radius: 4px;
    background: linear-gradient(135deg, rgba(198, 40, 40, .10), rgba(255, 247, 247, .94));
    box-shadow: 0 7px 24px rgba(92, 27, 27, .06);
}

#zumi-native-insurance .zni-faq-important__icon {
    display: grid;
    place-items: center;
    width: 46px;
    height: 46px;
    border-radius: 4px;
    background: #FFFFFF;
    border: 1px solid rgba(198, 40, 40, .22);
}

#zumi-native-insurance .zni-faq-important__icon img {
    display: block;
    width: 25px;
    height: 25px;
    object-fit: contain;
}

#zumi-native-insurance .zni-faq-important__copy {
    min-width: 0;
}

#zumi-native-insurance .zni-faq-important__copy strong {
    display: block;
    margin: 1px 0 5px;
    color: #2A211B;
    font-family: "Roboto", Arial, Helvetica, sans-serif;
    font-size: clamp(13.5px, .83vw, 16px);
    font-weight: 800;
    line-height: 1.3;
}

#zumi-native-insurance .zni-faq-important__copy p {
    max-width: none;
    margin: 0 !important;
    color: #5E5148;
    font-size: clamp(12.5px, .75vw, 14px);
    line-height: 1.58;
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-faq-important {
        grid-template-columns: 36px minmax(0, 1fr);
        gap: 10px;
        margin: 0 0 15px;
        padding: 12px 12px 13px;
        border-left-width: 3px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-faq-important__icon {
        width: 36px;
        height: 36px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-faq-important__icon img {
        width: 21px;
        height: 21px;
    }

    #zumi-native-insurance .zni-faq-important__copy strong {
        margin-top: 0;
        font-size: 13px;
    }

    #zumi-native-insurance .zni-faq-important__copy p {
        font-size: 12px;
        line-height: 1.5;
    }
}

/* Keep exclusions useful inside the expanded insurance FAQ without turning
   the accordion itself back into a card UI. */
#zumi-native-insurance .zni-exclusion-grid {
    margin-top: 15px;
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero__copy > p {
        margin-top: 15px;
        padding: 12px 13px;
        border-left-width: 2px;
        border-radius: 4px;
        background: rgba(8,7,6,.79);
        color: #FFFFFF;
        font-size: 13px;
        line-height: 1.55;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    #zumi-native-insurance .zni-insurer-card__top > span {
        color: rgba(255,255,255,.92);
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        filter:
            brightness(1.82)
            saturate(1.20)
            contrast(1.08)
            drop-shadow(0 1px 0 rgba(255,255,255,.22))
            drop-shadow(0 5px 12px rgba(0,0,0,.28));
    }

    #zumi-native-insurance .zni-coverage .zni-section-head > p {
        padding: 13px 13px 13px 42px;
        border-left-width: 1px;
        border-radius: 4px;
        background: #F5F7F8;
        color: #505A61;
        font-size: 11.5px;
        line-height: 1.55;
    }

    #zumi-native-insurance .zni-coverage .zni-section-head > p::before {
        left: 12px;
        width: 20px;
        height: 20px;
        font-size: 11px;
    }

    #zumi-native-insurance .zni-faq-item summary {
        gap: 12px;
        min-height: 0;
        padding: 17px 0;
        font-size: 14px;
        line-height: 1.35;
    }

    #zumi-native-insurance .zni-faq-item summary::after {
        flex-basis: 29px;
        width: 29px;
        height: 29px;
        font-size: 17px;
    }

    #zumi-native-insurance .zni-faq-item__answer {
        margin: 0;
        padding: 0 39px 20px 0;
    }

    #zumi-native-insurance .zni-faq-item__answer p {
        font-size: 12.5px;
        line-height: 1.62;
    }
}


/* ============================================================
   v1.0.7 — SPITZKOPPE HERO + PLAN FACT ICONS
   ============================================================ */

/* The new hero asset is composed around the rock formation and vehicle,
   so keep the focal area centred across desktop and responsive layouts. */
#zumi-native-insurance .zni-hero {
    background-position: center center;
}

/* Inline fact values inside the selected insurance plan. */
#zumi-native-insurance .zni-mini-fact-value {
    display: flex !important;
    align-items: center;
    gap: 7px;
    min-width: 0;
}

#zumi-native-insurance .zni-mini-fact-icon--money {
    display: inline-grid;
    place-items: center;
    flex: 0 0 22px;
    width: 22px;
    height: 22px;
    margin: 0;
    border: 1px solid #E5DED9;
    border-radius: 50%;
    background: #F6F2EF;
    color: #5E5651;
    font-size: 12px;
    font-weight: 800;
    line-height: 1;
}

/* Zero Excess alone receives the confirmation mark after "Included".
   Reduced and Standard remain plain text to avoid implying inclusion. */
#zumi-native-insurance .zni-mini-fact-check {
    display: block;
    flex: 0 0 22px;
    width: 22px !important;
    height: 22px !important;
    margin: 0;
    object-fit: contain;
}

#zumi-native-insurance #zni-panel-zero .zni-mini-fact-icon--money {
    border-color: rgba(226,164,40,.45);
    background: rgba(255,255,255,.62);
    color: #A95B08;
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        background-position: 52% center;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        background-position: 54% center;
    }

    #zumi-native-insurance .zni-mini-fact-value {
        gap: 6px;
    }

    #zumi-native-insurance .zni-mini-fact-icon--money,
    #zumi-native-insurance .zni-mini-fact-check {
        flex-basis: 20px;
        width: 20px !important;
        height: 20px !important;
    }

    #zumi-native-insurance .zni-mini-fact-icon--money {
        font-size: 11px;
    }
}

/* ============================================================
   v1.0.8 — HILUX HERO + COMPACT TYRE/WINDSCREEN CARD
   ============================================================ */

/* Updated banner photograph supplied for the Insurance hero. */
#zumi-native-insurance .zni-hero {
    background-image:
        linear-gradient(90deg, rgba(10,8,7,.86) 0%, rgba(10,8,7,.70) 38%, rgba(10,8,7,.32) 66%, rgba(10,8,7,.18) 100%),
        linear-gradient(180deg, rgba(10,8,7,.10), rgba(10,8,7,.42)),
        url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
    background-position: 58% center !important;
    background-size: cover !important;
    background-repeat: no-repeat !important;
}

/* Compact tyre + windscreen add-on. The old decorative Hilux image is no
   longer rendered; the supplied flat-tyre artwork becomes the focal icon. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    display: grid;
    grid-template-columns: 72px minmax(0, 1fr);
    align-items: start;
    gap: 20px;
    min-height: 0;
    padding: clamp(24px, 2vw, 34px);
    overflow: hidden;
    border: 1px solid rgba(255,255,255,.10);
    border-radius: 4px;
    background:
        radial-gradient(circle at 96% 10%, rgba(232,94,42,.18), transparent 34%),
        linear-gradient(145deg, #171311 0%, #211814 100%);
    box-shadow: 0 18px 38px rgba(36,24,18,.10);
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact::before {
    left: auto;
    right: -110px;
    bottom: -150px;
    width: 330px;
    opacity: .70;
}

#zumi-native-insurance .zni-addon-card__icon-wrap {
    position: relative;
    z-index: 2;
    display: grid;
    place-items: center;
    width: 72px;
    height: 72px;
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 4px;
    background:
        linear-gradient(145deg, rgba(232,94,42,.22), rgba(232,94,42,.10));
    box-shadow:
        inset 0 1px 0 rgba(255,255,255,.08),
        0 10px 24px rgba(0,0,0,.14);
}

#zumi-native-insurance .zni-addon-card__icon-wrap img {
    display: block;
    width: 38px !important;
    height: 38px !important;
    max-width: 38px !important;
    object-fit: contain;
}

#zumi-native-insurance .zni-addon-card__body {
    position: relative;
    z-index: 2;
    min-width: 0;
}

#zumi-native-insurance .zni-addon-card--compact .zni-eyebrow {
    margin-bottom: 8px;
}

#zumi-native-insurance .zni-addon-card--compact h3 {
    max-width: 560px;
    margin: 0;
    font-size: clamp(24px, 1.55vw, 31px);
    line-height: 1.08;
    letter-spacing: -.035em;
}

#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__body > p {
    max-width: 610px;
    margin: 10px 0 0;
    color: rgba(255,255,255,.76);
    font-size: 13px;
    line-height: 1.55;
}

#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__note {
    max-width: 610px;
    margin-top: 14px;
    padding: 10px 12px;
    border-color: rgba(255,255,255,.09);
    background: rgba(255,255,255,.045);
    font-size: 11px;
    line-height: 1.42;
}

/* Neutralize old image-oriented layout rules. */
#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__copy,
#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__vehicle {
    display: none !important;
}

@media (max-width: 1180px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 64px minmax(0, 1fr);
        gap: 18px;
        min-height: 0;
        padding: 24px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap {
        width: 64px;
        height: 64px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap img {
        width: 34px !important;
        height: 34px !important;
        max-width: 34px !important;
    }
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        background-position: 62% center !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 58px minmax(0, 1fr);
        gap: 15px;
        min-height: 0;
        padding: 20px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap {
        width: 58px;
        height: 58px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap img {
        width: 31px !important;
        height: 31px !important;
        max-width: 31px !important;
    }

    #zumi-native-insurance .zni-addon-card--compact h3 {
        font-size: 24px;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-addon-card__body > p {
        font-size: 12px;
        line-height: 1.5;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-addon-card__note {
        font-size: 10.5px;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        background-position: 68% center !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 50px minmax(0, 1fr);
        gap: 13px;
        padding: 17px 15px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap {
        width: 50px;
        height: 50px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap img {
        width: 27px !important;
        height: 27px !important;
        max-width: 27px !important;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-eyebrow {
        margin-bottom: 6px;
    }

    #zumi-native-insurance .zni-addon-card--compact h3 {
        font-size: 21px;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-addon-card__body > p {
        margin-top: 8px;
        font-size: 11.5px;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-addon-card__note {
        margin-top: 11px;
        padding: 9px 10px;
        font-size: 10px;
    }
}

/* ============================================================
   v1.0.9 — RESPONSIVE HILUX FOCAL POINT + PRACTICAL EXAMPLES
   ============================================================ */

/* Keep the Hilux visible as a deliberate focal point instead of letting
   background-size: cover crop it unpredictably at narrow aspect ratios. */
#zumi-native-insurance .zni-hero {
    background-image:
        linear-gradient(90deg,
            rgba(10,8,7,.96) 0%,
            rgba(10,8,7,.90) 34%,
            rgba(10,8,7,.68) 51%,
            rgba(10,8,7,.31) 72%,
            rgba(10,8,7,.12) 100%),
        linear-gradient(180deg, rgba(10,8,7,.04) 0%, rgba(10,8,7,.28) 100%),
        url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
    background-size: cover, cover, cover !important;
    background-position: center, center, 64% 58% !important;
    background-repeat: no-repeat !important;
    background-color: #171311 !important;
}

/* The supplied flat-tyre artwork is dark. Force it to white so it reads
   clearly inside the dark add-on card without modifying the source SVG. */
#zumi-native-insurance .zni-addon-card__icon-wrap img {
    filter: brightness(0) invert(1) !important;
    opacity: .96;
}

/* PRACTICAL EXAMPLES */
#zumi-native-insurance .zni-examples {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(circle at 98% 0%, rgba(232,94,42,.10), transparent 27%),
        radial-gradient(circle at 4% 100%, rgba(226,164,40,.07), transparent 25%),
        #FFFFFF;
}

#zumi-native-insurance .zni-examples::after {
    content: "";
    position: absolute;
    right: -120px;
    top: -150px;
    width: 360px;
    aspect-ratio: 1;
    border: 1px solid rgba(232,94,42,.10);
    border-radius: 50%;
    box-shadow:
        0 0 0 38px rgba(232,94,42,.025),
        0 0 0 76px rgba(232,94,42,.018);
    pointer-events: none;
}

#zumi-native-insurance .zni-examples__head {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(320px, .65fr);
    gap: clamp(28px, 4vw, 76px);
    align-items: end;
    margin-bottom: clamp(24px, 2.3vw, 42px);
}

#zumi-native-insurance .zni-examples__head h2 {
    margin: 0;
    color: var(--zni-ink);
    font-size: clamp(32px, 3vw, 60px);
    font-weight: 700;
    line-height: 1.02;
    letter-spacing: -.045em;
    text-wrap: balance;
}

#zumi-native-insurance .zni-examples__head > p {
    margin: 0;
    color: var(--zni-muted);
    font-size: clamp(14px, .92vw, 17px);
    line-height: 1.65;
}

#zumi-native-insurance .zni-examples__rule {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 50px minmax(0, 1fr);
    gap: 16px;
    align-items: center;
    margin-bottom: 12px;
    padding: 19px 22px;
    border: 1px solid rgba(255,255,255,.08);
    border-radius: 4px;
    background:
        radial-gradient(circle at 96% 18%, rgba(232,94,42,.18), transparent 30%),
        linear-gradient(135deg, #171311 0%, #241914 100%);
    color: #FFFFFF;
    box-shadow: 0 15px 34px rgba(31,20,14,.10);
}

#zumi-native-insurance .zni-examples__rule-icon {
    display: grid;
    place-items: center;
    width: 50px;
    height: 50px;
    border: 1px solid rgba(232,94,42,.28);
    border-radius: 4px;
    background: rgba(232,94,42,.13);
    color: #F1C7A4;
}

#zumi-native-insurance .zni-examples__rule-icon svg {
    width: 24px;
    height: 24px;
}

#zumi-native-insurance .zni-examples__rule strong {
    display: block;
    margin-bottom: 4px;
    color: #FFFFFF;
    font-size: 15px;
    font-weight: 700;
}

#zumi-native-insurance .zni-examples__rule p {
    margin: 0;
    max-width: 1250px;
    color: rgba(255,255,255,.72);
    font-size: 12.5px;
    line-height: 1.55;
}

#zumi-native-insurance .zni-example-grid {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px;
}

#zumi-native-insurance .zni-example-card {
    position: relative;
    min-width: 0;
    overflow: hidden;
    border: 1px solid #E9E3DF;
    border-radius: 4px;
    background: rgba(255,255,255,.96);
    box-shadow: 0 10px 25px rgba(38,27,21,.045);
}

#zumi-native-insurance .zni-example-card::before {
    content: "";
    position: absolute;
    left: 22px;
    top: 0;
    z-index: 3;
    width: 60px;
    height: 3px;
    border-radius: 0 0 999px 999px;
    background: var(--zni-orange);
}

#zumi-native-insurance .zni-example-card__media {
    position: relative;
    aspect-ratio: 16 / 9;
    overflow: hidden;
    background: #EDE7E1;
}

#zumi-native-insurance .zni-example-card__media::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(17,11,9,0) 0%, rgba(17,11,9,.06) 100%);
    pointer-events: none;
}

#zumi-native-insurance .zni-example-card__media img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

#zumi-native-insurance .zni-example-card__body {
    padding: clamp(20px, 1.55vw, 28px);
}

#zumi-native-insurance .zni-example-card__label {
    display: inline-flex;
    align-items: center;
    min-height: 25px;
    margin-bottom: 15px;
    padding: 5px 9px;
    border-radius: 4px;
    background: #FFF0E7;
    color: #E85E2A;
    font-size: 9.5px;
    font-weight: 700;
    letter-spacing: .075em;
    line-height: 1.15;
    text-transform: uppercase;
}

#zumi-native-insurance .zni-example-card h3 {
    margin: 0;
    color: #211C19;
    font-size: clamp(17px, 1.15vw, 22px);
    font-weight: 700;
    line-height: 1.22;
    letter-spacing: -.025em;
}

#zumi-native-insurance .zni-example-card p {
    margin: 11px 0 0;
    color: #655D58;
    font-size: 12.5px;
    line-height: 1.62;
}

#zumi-native-insurance .zni-example-card--excluded::before,
#zumi-native-insurance .zni-example-card--warning::before {
    background: #332823;
}

#zumi-native-insurance .zni-example-card--excluded .zni-example-card__label {
    background: #F3EFED;
    color: #5B4D46;
}

#zumi-native-insurance .zni-example-card--special::before {
    background: #D88714;
}

#zumi-native-insurance .zni-example-card--special .zni-example-card__label {
    background: #FFF4D7;
    color: #9B620C;
}

#zumi-native-insurance .zni-example-card--warning {
    border-color: #DCD4CF;
    background: linear-gradient(145deg, #FBFAF9, #F4F0EE);
}

#zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
    background: #27211E;
    color: #FFFFFF;
}

#zumi-native-insurance .zni-examples__footer {
    position: relative;
    z-index: 2;
    margin: 15px 2px 0;
    padding-top: 14px;
    border-top: 1px solid #ECE6E2;
    color: #847A74;
    font-size: 10.5px;
    line-height: 1.55;
}

@media (max-width: 1180px) {
    #zumi-native-insurance .zni-hero {
        background-size: cover, cover, auto 100% !important;
        background-position: center, center, 57% center !important;
    }

    #zumi-native-insurance .zni-example-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        background-image:
            linear-gradient(180deg,
                rgba(18,13,11,.94) 0%,
                rgba(18,13,11,.79) 38%,
                rgba(18,13,11,.43) 63%,
                rgba(18,13,11,.88) 100%),
            linear-gradient(90deg, rgba(18,13,11,.42) 0%, rgba(18,13,11,.08) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
        background-size: cover, cover, auto 100% !important;
        background-position: center, center, 57% center !important;
    }

    #zumi-native-insurance .zni-examples__head {
        grid-template-columns: 1fr;
        gap: 16px;
        align-items: start;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        background-image:
            linear-gradient(180deg,
                rgba(18,13,11,.95) 0%,
                rgba(18,13,11,.81) 35%,
                rgba(18,13,11,.38) 61%,
                rgba(18,13,11,.91) 100%),
            linear-gradient(90deg, rgba(18,13,11,.30) 0%, rgba(18,13,11,.05) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
        background-size: cover, cover, auto 100% !important;
        background-position: center, center, 58% center !important;
    }

    #zumi-native-insurance .zni-examples__head h2 {
        font-size: clamp(29px, 9vw, 38px);
    }

    #zumi-native-insurance .zni-examples__head > p {
        font-size: 12.5px;
        line-height: 1.58;
    }

    #zumi-native-insurance .zni-examples__rule {
        grid-template-columns: 38px minmax(0, 1fr);
        gap: 11px;
        padding: 14px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-examples__rule-icon {
        width: 38px;
        height: 38px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-examples__rule-icon svg {
        width: 20px;
        height: 20px;
    }

    #zumi-native-insurance .zni-examples__rule strong {
        font-size: 13px;
    }

    #zumi-native-insurance .zni-examples__rule p {
        font-size: 10.5px;
        line-height: 1.5;
    }

    #zumi-native-insurance .zni-example-grid {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    #zumi-native-insurance .zni-example-card {
        padding: 18px 16px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-example-card__label {
        margin-bottom: 11px;
        font-size: 8.8px;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: 16px;
    }

    #zumi-native-insurance .zni-example-card p {
        margin-top: 8px;
        font-size: 11.5px;
        line-height: 1.55;
    }

    #zumi-native-insurance .zni-examples__footer {
        font-size: 9.5px;
    }
}


/* ============================================================
   v1.0.10 — HERO BREATHING ROOM + FRIENDLIER EXAMPLES
   ============================================================ */

/* Keep a deliberate clear zone through the middle of the hero so the
   Hilux can remain visible without constantly shifting the photo crop. */
@media (min-width: 901px) {
    #zumi-native-insurance .zni-hero {
        grid-template-columns:
            minmax(0, .90fr)
            clamp(130px, 12vw, 245px)
            minmax(300px, .48fr) !important;
        background-size: cover, cover, cover !important;
        background-position: center, center, center center !important;
    }

    #zumi-native-insurance .zni-hero__copy {
        grid-column: 1;
        max-width: 900px;
        padding-right: clamp(18px, 2.2vw, 42px);
    }

    #zumi-native-insurance .zni-hero__rail {
        grid-column: 3;
        align-self: end;
        padding-left: 0;
    }
}

/* On tablet/mobile, leave an intentional photo window between the text
   and Hollard strip. This exposes part of the Hilux rather than chasing
   it with different background-position values at every breakpoint. */
@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        grid-template-columns: 1fr !important;
        grid-template-rows: auto clamp(96px, 17vw, 145px) auto;
        background-size: cover, cover, auto 100% !important;
        background-position: center, center, center center !important;
    }

    #zumi-native-insurance .zni-hero__copy {
        grid-column: 1;
        grid-row: 1;
    }

    #zumi-native-insurance .zni-hero__rail {
        grid-column: 1;
        grid-row: 3;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        grid-template-rows: auto clamp(82px, 23vw, 118px) auto;
        background-size: cover, cover, auto 100% !important;
        background-position: center, center, center center !important;
    }

    /* The tyre icon is supporting information on phones, not a second
       visual column. Keep it compact beside the heading. */
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 36px minmax(0, 1fr) !important;
        gap: 10px !important;
        padding: 15px 14px !important;
        align-items: start;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap {
        width: 36px !important;
        height: 36px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap img {
        width: 20px !important;
        height: 20px !important;
        max-width: 20px !important;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-eyebrow {
        margin-bottom: 4px;
        font-size: 8.7px;
    }

    #zumi-native-insurance .zni-addon-card--compact h3 {
        font-size: 18px;
        line-height: 1.08;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-addon-card__body > p {
        margin-top: 7px;
        font-size: 11px;
        line-height: 1.45;
    }

    #zumi-native-insurance .zni-addon-card--compact .zni-addon-card__note {
        grid-column: 1 / -1;
        margin-top: 9px;
        padding: 8px 9px;
        font-size: 9.7px;
        line-height: 1.4;
    }
}

/* Friendlier, shorter practical-example section. It reads like helpful
   pre-trip guidance rather than a warning matrix. */
#zumi-native-insurance .zni-examples {
    background:
        radial-gradient(circle at 96% 0%, rgba(232,94,42,.075), transparent 25%),
        #FFFFFF;
}

#zumi-native-insurance .zni-examples__head {
    grid-template-columns: minmax(0, 1fr) minmax(280px, .56fr);
    gap: clamp(22px, 3vw, 54px);
    margin-bottom: clamp(18px, 1.8vw, 30px);
}

#zumi-native-insurance .zni-examples__head h2 {
    font-size: clamp(30px, 2.55vw, 50px);
}

#zumi-native-insurance .zni-examples__head > p {
    font-size: clamp(13px, .82vw, 15px);
    line-height: 1.55;
}

#zumi-native-insurance .zni-examples__rule {
    grid-template-columns: 40px minmax(0, 1fr);
    gap: 12px;
    margin-bottom: 10px;
    padding: 14px 16px;
    border: 1px solid #E7E1DD;
    background: #F8F6F4;
    color: #2A2421;
    box-shadow: none;
}

#zumi-native-insurance .zni-examples__rule-icon {
    width: 40px;
    height: 40px;
    border: 1px solid rgba(232,94,42,.18);
    border-radius: 4px;
    background: #FFF1E8;
    color: var(--zni-orange);
}

#zumi-native-insurance .zni-examples__rule-icon svg {
    width: 20px;
    height: 20px;
}

#zumi-native-insurance .zni-examples__rule strong {
    margin-bottom: 2px;
    color: #28221F;
    font-size: 13px;
}

#zumi-native-insurance .zni-examples__rule p {
    color: #6E655F;
    font-size: 11.5px;
    line-height: 1.5;
}

#zumi-native-insurance .zni-example-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 9px;
}

#zumi-native-insurance .zni-example-card {
    padding: 18px 19px;
    border-radius: 4px;
    box-shadow: none;
}

#zumi-native-insurance .zni-example-card::before {
    left: 18px;
    width: 42px;
    height: 2px;
    background: var(--zni-orange) !important;
}

#zumi-native-insurance .zni-example-card__label,
#zumi-native-insurance .zni-example-card--excluded .zni-example-card__label,
#zumi-native-insurance .zni-example-card--special .zni-example-card__label,
#zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
    min-height: 22px;
    margin-bottom: 10px;
    padding: 4px 8px;
    background: #FFF1E8;
    color: #E85E2A;
    font-size: 8.8px;
}

#zumi-native-insurance .zni-example-card--warning,
#zumi-native-insurance .zni-example-card--important,
#zumi-native-insurance .zni-example-card--route,
#zumi-native-insurance .zni-example-card--helpful {
    border-color: #E9E3DF;
    background: #FFFFFF;
}

#zumi-native-insurance .zni-example-card h3 {
    font-size: clamp(16px, 1vw, 19px);
    line-height: 1.2;
}

#zumi-native-insurance .zni-example-card p {
    margin-top: 7px;
    font-size: 11.5px;
    line-height: 1.52;
}

#zumi-native-insurance .zni-examples__footer {
    margin-top: 11px;
    padding-top: 10px;
    font-size: 9.8px;
}

@media (max-width: 700px) {
    #zumi-native-insurance .zni-examples__head {
        grid-template-columns: 1fr;
        gap: 9px;
        margin-bottom: 15px;
    }

    #zumi-native-insurance .zni-examples__head h2 {
        font-size: clamp(27px, 8.2vw, 35px);
    }

    #zumi-native-insurance .zni-examples__head > p {
        font-size: 12px;
        line-height: 1.5;
    }

    #zumi-native-insurance .zni-examples__rule {
        grid-template-columns: 34px minmax(0, 1fr);
        gap: 9px;
        padding: 11px 12px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-examples__rule-icon {
        width: 34px;
        height: 34px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-examples__rule-icon svg {
        width: 17px;
        height: 17px;
    }

    #zumi-native-insurance .zni-examples__rule strong {
        font-size: 12px;
    }

    #zumi-native-insurance .zni-examples__rule p {
        font-size: 10.3px;
        line-height: 1.45;
    }

    #zumi-native-insurance .zni-example-grid {
        grid-template-columns: 1fr;
        gap: 7px;
    }

    #zumi-native-insurance .zni-example-card {
        padding: 15px 14px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-example-card__label {
        margin-bottom: 8px;
        font-size: 8.3px;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: 15px;
    }

    #zumi-native-insurance .zni-example-card p {
        margin-top: 6px;
        font-size: 10.8px;
        line-height: 1.48;
    }
}

/* ============================================================
   v1.0.11 — MID-WIDTH HERO + CLEARER PRACTICAL EXAMPLES
   Prevent the 901–1399px layout from squeezing the headline and
   Hollard strip into narrow columns. Keep the Hilux visible in a
   stable centre window rather than chasing it with crop changes.
   ============================================================ */

@media (min-width: 901px) and (max-width: 1399px) {
    #zumi-native-insurance .zni-hero {
        display: block !important;
        min-height: clamp(660px, 62vw, 760px);
        background-size: cover, cover, cover !important;
        background-position: center, center, center center !important;
    }

    #zumi-native-insurance .zni-hero__copy {
        position: relative;
        z-index: 3;
        width: min(54%, 690px);
        max-width: none;
        padding: clamp(38px, 4vw, 56px);
        padding-right: 0;
    }

    #zumi-native-insurance .zni-hero h1 {
        font-size: clamp(48px, 5vw, 68px);
        line-height: .94;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        max-width: 620px;
        font-size: clamp(14px, 1.25vw, 18px);
    }

    #zumi-native-insurance .zni-pill-row {
        max-width: 570px;
    }

    #zumi-native-insurance .zni-hero__rail {
        position: absolute;
        z-index: 4;
        top: clamp(34px, 3.2vw, 52px);
        right: clamp(24px, 3vw, 44px);
        bottom: auto;
        display: block;
        width: min(38%, 520px);
        padding: 0 !important;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: minmax(170px, .88fr) minmax(210px, 1.12fr);
        width: 100%;
        max-width: none;
        min-height: 132px;
    }

    #zumi-native-insurance .zni-insurer-card__top,
    #zumi-native-insurance .zni-insurer-card__bottom {
        min-width: 0;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        padding: 18px 18px;
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        width: min(100%, 190px);
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        grid-template-columns: 36px minmax(0, 1fr);
        gap: 10px;
        padding: 17px 17px;
    }

    #zumi-native-insurance .zni-insurer-card__bottom strong {
        font-size: clamp(13px, 1.25vw, 16px);
        line-height: 1.15;
    }

    #zumi-native-insurance .zni-insurer-card__bottom p {
        font-size: 10px;
        line-height: 1.38;
    }
}

/* Keep the examples compact and visual on normal laptops/desktops. */
@media (min-width: 1150px) {
    #zumi-native-insurance .zni-example-grid {
        grid-template-columns: repeat(4, minmax(0, 1fr));
    }

    #zumi-native-insurance .zni-example-card {
        padding: 17px 16px 18px;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: clamp(15px, .95vw, 18px);
    }

    #zumi-native-insurance .zni-example-card p {
        font-size: 10.8px;
        line-height: 1.48;
    }
}

/* The helper strip is context, not another warning block. */
#zumi-native-insurance .zni-examples__rule {
    padding-top: 12px;
    padding-bottom: 12px;
}

#zumi-native-insurance .zni-examples__rule p {
    max-width: 1100px;
}

/* ============================================================
   v1.0.12 — LARGE-SCREEN PRACTICAL EXAMPLES SCALE
   The four-card layout was intentionally compact for laptops,
   but became visually undersized on 1600px+ displays. Scale
   typography and vertical rhythm up only on large desktops.
   ============================================================ */
@media (min-width: 1600px) {
    #zumi-native-insurance .zni-examples {
        padding: clamp(68px, 3.8vw, 82px) clamp(70px, 4vw, 88px);
    }

    #zumi-native-insurance .zni-examples__head {
        grid-template-columns: minmax(0, 1.15fr) minmax(390px, .62fr);
        gap: clamp(56px, 4vw, 86px);
        margin-bottom: 30px;
    }

    #zumi-native-insurance .zni-examples__head h2 {
        font-size: clamp(52px, 3vw, 64px);
        line-height: 1.01;
    }

    #zumi-native-insurance .zni-examples__head > p {
        max-width: 610px;
        font-size: 17px;
        line-height: 1.62;
    }

    #zumi-native-insurance .zni-examples__rule {
        grid-template-columns: 44px minmax(0, 1fr);
        gap: 14px;
        min-height: 68px;
        margin-bottom: 16px;
        padding: 14px 18px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-examples__rule-icon {
        width: 44px;
        height: 44px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-examples__rule-icon svg {
        width: 21px;
        height: 21px;
    }

    #zumi-native-insurance .zni-examples__rule strong {
        margin-bottom: 3px;
        font-size: 15px;
    }

    #zumi-native-insurance .zni-examples__rule p {
        max-width: 1380px;
        font-size: 13px;
        line-height: 1.52;
    }

    #zumi-native-insurance .zni-example-grid {
        grid-template-columns: repeat(4, minmax(0, 1fr));
        gap: 14px;
    }

    #zumi-native-insurance .zni-example-card {
        min-height: 190px;
        padding: 24px 23px 25px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-example-card::before {
        left: 22px;
        width: 50px;
        height: 3px;
    }

    #zumi-native-insurance .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--excluded .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--special .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
        min-height: 26px;
        margin-bottom: 14px;
        padding: 5px 10px;
        font-size: 10px;
        letter-spacing: .07em;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: clamp(19px, 1.05vw, 22px);
        line-height: 1.22;
    }

    #zumi-native-insurance .zni-example-card p {
        margin-top: 10px;
        font-size: 13.5px;
        line-height: 1.58;
    }

    #zumi-native-insurance .zni-examples__footer {
        margin-top: 15px;
        padding-top: 13px;
        font-size: 11px;
        line-height: 1.5;
    }
}

@media (min-width: 2000px) {
    #zumi-native-insurance .zni-example-card {
        min-height: 205px;
        padding: 27px 26px 28px;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: 22px;
    }

    #zumi-native-insurance .zni-example-card p {
        font-size: 14px;
    }
}

/* ============================================================
   v1.0.13 — HOLD THE SMALLER HERO COMPOSITION THROUGH 1439px
   Keep the roomy previous responsive composition at common
   laptop widths. The full desktop composition begins at 1440px.
   ============================================================ */
@media (min-width: 901px) and (max-width: 1439px) {
    #zumi-native-insurance .zni-hero {
        display: grid !important;
        grid-template-columns: 1fr !important;
        grid-template-rows: auto clamp(96px, 8.5vw, 128px) auto !important;
        min-height: 0 !important;
        background-size: cover, cover, cover !important;
        background-position: center, center, center center !important;
    }

    #zumi-native-insurance .zni-hero__copy {
        position: relative !important;
        z-index: 3;
        grid-column: 1 !important;
        grid-row: 1 !important;
        width: auto !important;
        max-width: 790px !important;
        padding: clamp(38px, 3.8vw, 54px) clamp(34px, 4vw, 56px) 0 !important;
    }

    #zumi-native-insurance .zni-hero h1 {
        max-width: 720px;
        font-size: clamp(46px, 4.6vw, 62px) !important;
        line-height: .95 !important;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        max-width: 650px !important;
        font-size: clamp(14px, 1.2vw, 17px) !important;
        line-height: 1.58;
    }

    #zumi-native-insurance .zni-pill-row {
        max-width: 620px !important;
    }

    #zumi-native-insurance .zni-hero__rail {
        position: relative !important;
        z-index: 4;
        top: auto !important;
        right: auto !important;
        bottom: auto !important;
        grid-column: 1 !important;
        grid-row: 3 !important;
        display: flex !important;
        justify-content: flex-end;
        width: auto !important;
        padding: 0 clamp(34px, 4vw, 56px) clamp(34px, 4vw, 56px) !important;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: minmax(175px, .82fr) minmax(0, 1.18fr) !important;
        width: min(100%, 640px) !important;
        max-width: 640px !important;
        min-height: 116px !important;
        margin: 0 !important;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        padding: 17px 18px !important;
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        width: min(100%, 188px) !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        grid-template-columns: 36px minmax(0, 1fr) !important;
        gap: 10px !important;
        padding: 16px 17px !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom strong {
        font-size: 15px !important;
        line-height: 1.16 !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom p {
        font-size: 10px !important;
        line-height: 1.4 !important;
    }
}

/* The vertical side label is intentionally removed from the hero. */
#zumi-native-insurance .zni-hero__edge-mark {
    display: none !important;
}


/* ============================================================
   v1.0.14 — EXCLUSION X ICONS + STABLE FAQ + INFO NOTE + WHATSAPP
   ============================================================ */

/* Not-covered items use the supplied orange cancel mark, not a positive check. */
#zumi-native-insurance .zni-exclusion-grid li > span {
    display: grid;
    place-items: center;
    width: 20px;
    height: 20px;
    border-radius: 0;
    background: transparent;
    color: inherit;
}

#zumi-native-insurance .zni-exclusion-x {
    display: block;
    width: 15px;
    height: 15px;
    object-fit: contain;
}

/* Let <details> expand naturally. This reduces scroll anchoring/reflow flashes. */
#zumi-native-insurance .zni-faq-list,
#zumi-native-insurance .zni-faq-item,
#zumi-native-insurance .zni-faq-item__answer {
    overflow-anchor: none;
}

/* Practical-examples intro uses the same unmistakable information-note style
   as the Standard Excess notice in the coverage section. */
#zumi-native-insurance .zni-examples__intro-note {
    position: relative;
    margin: 0;
    padding: 17px 20px 17px 52px;
    border: 1px solid #DDE1E4;
    border-radius: 4px;
    background: #F5F7F8;
    color: #4F575D;
    box-shadow: none;
    cursor: default;
    font-size: clamp(15px, .95vw, 18px);
    line-height: 1.65;
}

#zumi-native-insurance .zni-examples__intro-note::before {
    content: "i";
    position: absolute;
    left: 17px;
    top: 50%;
    display: grid;
    place-items: center;
    width: 23px;
    height: 23px;
    transform: translateY(-50%);
    border: 1px solid #B8C0C6;
    border-radius: 50%;
    background: #FFFFFF;
    color: #68747C;
    font-size: 13px;
    font-weight: 700;
    font-style: normal;
    line-height: 1;
}

/* WhatsApp is deliberately simple: green WhatsApp icon + label, no arrow. */
#zumi-native-insurance .zni-btn--whatsapp {
    grid-template-columns: 24px minmax(0, 1fr);
}

#zumi-native-insurance .zni-btn__whatsapp-icon {
    display: grid;
    place-items: center;
    width: 24px;
    height: 24px;
}

#zumi-native-insurance .zni-btn__whatsapp-icon img {
    display: block;
    width: 22px;
    height: 22px;
    object-fit: contain;
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-examples__intro-note {
        padding: 13px 13px 13px 42px;
        border-radius: 4px;
        font-size: 11.5px;
        line-height: 1.55;
    }

    #zumi-native-insurance .zni-examples__intro-note::before {
        left: 12px;
        width: 20px;
        height: 20px;
        font-size: 11px;
    }

    #zumi-native-insurance .zni-exclusion-x {
        width: 14px;
        height: 14px;
    }
}

/* v1.0.16 — FAQ guidance uses the same neutral information-note treatment
   as the Standard Excess and Practical Examples notices. */
#zumi-native-insurance .zni-faq__intro-note {
    align-self: end;
}


/* ============================================================
   v1.0.17 — COMPACT CONTACT ACTIONS + FAIR-SUPPORT REASSURANCE
   ============================================================ */

/* Keep the contact actions deliberately compact. They are actions, not full-width panels. */
#zumi-native-insurance .zni-contact__actions {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
    width: min(100%, 430px);
    justify-self: end;
}

#zumi-native-insurance .zni-btn {
    grid-template-columns: 22px minmax(0, auto);
    justify-content: start;
    min-height: 48px;
    padding: 11px 15px;
    border-radius: 4px;
}

#zumi-native-insurance .zni-btn__arrow {
    display: none !important;
}

/* A calm reassurance line: clear, fair and practical without weakening the contract. */
#zumi-native-insurance .zni-contact__reassurance {
    display: grid;
    grid-template-columns: 30px minmax(0, 1fr);
    gap: 10px;
    align-items: center;
    max-width: 760px;
    margin-top: 18px;
    padding: 12px 14px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 4px;
    background: rgba(255,255,255,.055);
    color: rgba(255,255,255,.78);
    font-size: 12px;
    line-height: 1.55;
}

#zumi-native-insurance .zni-contact__reassurance-icon {
    display: grid;
    place-items: center;
    width: 30px;
    height: 30px;
    border-radius: 4px;
    background: rgba(232,94,42,.14);
    color: var(--zni-orange);
}

#zumi-native-insurance .zni-contact__reassurance-icon svg {
    width: 16px;
    height: 16px;
}

@media (max-width: 980px) {
    #zumi-native-insurance .zni-contact__actions {
        width: min(100%, 430px);
        justify-self: start;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-contact__actions {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 7px;
        width: 100%;
    }

    #zumi-native-insurance .zni-btn {
        min-height: 44px;
        padding: 9px 11px;
        font-size: 11px;
        gap: 7px;
    }

    #zumi-native-insurance .zni-contact__reassurance {
        grid-template-columns: 26px minmax(0, 1fr);
        gap: 8px;
        margin-top: 14px;
        padding: 10px 11px;
        border-radius: 4px;
        font-size: 10.5px;
        line-height: 1.5;
    }

    #zumi-native-insurance .zni-contact__reassurance-icon {
        width: 26px;
        height: 26px;
        border-radius: 4px;
    }
}

/* ============================================================
   v1.0.18 — HERO HIERARCHY + MOBILE TRUST CARD + LONG-TEXT SAFETY
   Give the primary hero message a clearly different visual level
   from the supporting chips, pull the insurer strip upward on small
   screens, and allow long translated copy to wrap safely.
   ============================================================ */

/* Primary explanatory copy: a light editorial glass panel so it is
   unmistakably more important than the small feature chips below. */
#zumi-native-insurance .zni-hero__copy > p {
    max-width: 810px;
    padding: clamp(15px, 1.18vw, 20px) clamp(17px, 1.45vw, 25px);
    border: 1px solid rgba(255,255,255,.48);
    border-left: 4px solid var(--zni-orange);
    border-radius: 4px;
    background:
        linear-gradient(135deg, rgba(250,247,244,.96) 0%, rgba(239,233,228,.92) 100%);
    color: #2A231F;
    box-shadow:
        0 15px 34px rgba(0,0,0,.18),
        inset 0 1px 0 rgba(255,255,255,.80);
    text-shadow: none;
    font-size: clamp(16px, 1.08vw, 19px);
    font-weight: 500;
    line-height: 1.58;
    backdrop-filter: blur(11px);
    -webkit-backdrop-filter: blur(11px);
}

/* Supporting features should read as tertiary proof points, not as a
   second paragraph. Lighter weight, tighter size and quieter glass. */
#zumi-native-insurance .zni-pill-row {
    gap: 8px;
    margin-top: clamp(20px, 1.7vw, 30px);
}

#zumi-native-insurance .zni-pill {
    min-height: 34px;
    padding: 7px 11px;
    border: 1px solid rgba(255,255,255,.17);
    background: rgba(255,255,255,.085);
    color: rgba(255,255,255,.86);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.04);
    font-size: 11.5px;
    font-weight: 600;
    line-height: 1.25;
    backdrop-filter: blur(7px);
    -webkit-backdrop-filter: blur(7px);
}

#zumi-native-insurance .zni-pill svg {
    flex: 0 0 auto;
    width: 14px;
    height: 14px;
    color: #E85E2A;
}

/* Keep translated headings and trust-card copy inside their containers without artificial hyphenation. */
#zumi-native-insurance .zni-section-head,
#zumi-native-insurance .zni-section-head > *,
#zumi-native-insurance .zni-hero__copy,
#zumi-native-insurance .zni-hero__rail,
#zumi-native-insurance .zni-insurer-card,
#zumi-native-insurance .zni-insurer-card__top,
#zumi-native-insurance .zni-insurer-card__bottom,
#zumi-native-insurance .zni-insurer-card__bottom > div,
#zumi-native-insurance .zni-plan-tab,
#zumi-native-insurance .zni-plan-tab__text,
#zumi-native-insurance .zni-plan-panel,
#zumi-native-insurance .zni-plan-panel__heading,
#zumi-native-insurance .zni-examples__head,
#zumi-native-insurance .zni-contact {
    min-width: 0;
}

#zumi-native-insurance .zni-hero h1,
#zumi-native-insurance .zni-section-head h2,
#zumi-native-insurance .zni-contact h2,
#zumi-native-insurance .zni-plan-panel h3,
#zumi-native-insurance .zni-examples__head h2,
#zumi-native-insurance .zni-insurer-card__bottom strong,
#zumi-native-insurance .zni-insurer-card__bottom p {
    max-width: 100%;
    white-space: normal;
    overflow-wrap: normal;
    word-break: normal;
    hyphens: none;
}

/* Allow the compact Hollard strip to grow vertically when a translation
   needs another line. Fixed visual height should never clip copy. */
#zumi-native-insurance .zni-insurer-card {
    height: auto !important;
}

#zumi-native-insurance .zni-insurer-card__top,
#zumi-native-insurance .zni-insurer-card__bottom {
    height: auto !important;
}

#zumi-native-insurance .zni-insurer-card__bottom strong,
#zumi-native-insurance .zni-insurer-card__bottom p {
    overflow: visible;
    text-overflow: clip;
}

@media (max-width: 900px) {
    /* Reduce the intentional photo spacer slightly. The Hilux remains
       visible, while the insurer strip no longer sits unnecessarily low. */
    #zumi-native-insurance .zni-hero {
        grid-template-rows: auto clamp(54px, 10vw, 82px) auto !important;
    }

    #zumi-native-insurance .zni-hero__rail {
        align-self: start;
        padding-bottom: 18px !important;
    }

    #zumi-native-insurance .zni-section-head h2,
    #zumi-native-insurance .zni-contact h2,
    #zumi-native-insurance .zni-examples__head h2 {
        overflow-wrap: normal;
        hyphens: none;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        grid-template-rows: auto clamp(38px, 10vw, 58px) auto !important;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding: 32px 18px 18px !important;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        margin-top: 14px;
        padding: 13px 14px;
        border-left-width: 3px;
        border-radius: 4px;
        color: #29231F;
        font-size: 13.5px;
        font-weight: 500;
        line-height: 1.52;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    #zumi-native-insurance .zni-pill-row {
        gap: 6px;
        margin-top: 14px;
    }

    #zumi-native-insurance .zni-pill {
        min-height: 29px;
        padding: 5px 8px;
        background: rgba(255,255,255,.09);
        color: rgba(255,255,255,.82);
        font-size: 9.6px;
        line-height: 1.22;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }

    #zumi-native-insurance .zni-pill svg {
        width: 12px;
        height: 12px;
    }

    #zumi-native-insurance .zni-hero__rail {
        padding: 0 8px 10px !important;
    }

    #zumi-native-insurance .zni-insurer-card {
        grid-template-columns: minmax(112px, .78fr) minmax(0, 1.22fr) !important;
        min-height: 0 !important;
        width: 100% !important;
    }

    #zumi-native-insurance .zni-insurer-card__top {
        justify-content: center;
        min-height: 0 !important;
        padding: 12px 11px !important;
    }

    #zumi-native-insurance .zni-insurer-card__top img {
        width: min(100%, 148px) !important;
        max-width: 148px !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom {
        grid-template-columns: 29px minmax(0, 1fr) !important;
        gap: 8px !important;
        align-items: center;
        min-height: 0 !important;
        padding: 11px 10px !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom .zni-icon-badge {
        width: 29px !important;
        height: 29px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom strong {
        font-size: 11.5px !important;
        line-height: 1.18 !important;
    }

    #zumi-native-insurance .zni-insurer-card__bottom p {
        margin-top: 3px !important;
        font-size: 8.8px !important;
        line-height: 1.35 !important;
    }

    /* Compact headings on phones, with natural whole-word wrapping for long translations. */
    #zumi-native-insurance .zni-section-head h2,
    #zumi-native-insurance .zni-contact h2,
    #zumi-native-insurance .zni-examples__head h2 {
        max-width: 100% !important;
        font-size: clamp(28px, 8.6vw, 38px) !important;
        line-height: 1.04 !important;
        letter-spacing: -.035em !important;
        overflow-wrap: normal !important;
        hyphens: none !important;
    }
}

/* Give German's longer compounds enough room to remain whole while preserving the visual hierarchy. */
@media (max-width: 760px) {
    html[lang^="de"] #zumi-native-insurance .zni-section-head h2,
    html[lang^="de"] #zumi-native-insurance .zni-contact h2,
    html[lang^="de"] #zumi-native-insurance .zni-examples__head h2 {
        font-size: clamp(27px, 7.8vw, 36px) !important;
        letter-spacing: -.03em !important;
    }
}

/* ============================================================
   v1.0.19 — MID-WIDTH COVERAGE FIT + INTEGRATED HERO COPY
   Prevent the Tyre & Windscreen card from being stretched to the
   height of the selected plan, keep the coverage layout single-column
   through common laptop widths, and replace the light hero copy slab
   with a warmer editorial glass treatment that belongs to the photo.
   ============================================================ */

/* The add-on is supporting content. It should size to its own content,
   never stretch to match the much taller insurance-plan panel. */
#zumi-native-insurance .zni-coverage-grid {
    align-items: start;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    align-self: start;
    height: auto !important;
    min-height: 0 !important;
}

/* Common laptop / small-desktop widths were too cramped when the plan and
   add-on were forced side-by-side. Keep the clean stacked composition until
   there is genuinely enough room for both columns. */
@media (max-width: 1399px) {
    #zumi-native-insurance .zni-coverage-grid {
        grid-template-columns: minmax(0, 1fr) !important;
        gap: 12px;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        width: 100%;
        max-width: none;
    }
}

/* On wide desktop, restore the two-column relationship but still let the
   add-on remain compact rather than turning into a tall empty panel. */
@media (min-width: 1400px) {
    #zumi-native-insurance .zni-coverage-grid {
        grid-template-columns: minmax(0, 1.48fr) minmax(360px, .52fr);
        gap: 14px;
    }
}

/* Main hero explanation: editorial smoked glass, not a pale information box.
   It remains visibly more important than the feature chips through scale,
   width and typography rather than through a completely different colour. */
#zumi-native-insurance .zni-hero__copy > p {
    position: relative;
    overflow: hidden;
    max-width: 820px;
    padding: clamp(16px, 1.2vw, 21px) clamp(18px, 1.5vw, 26px);
    border: 1px solid rgba(255,255,255,.15);
    border-left: 1px solid rgba(255,255,255,.15);
    border-radius: 4px;
    background:
        radial-gradient(circle at 8% 0%, rgba(232,94,42,.15), transparent 34%),
        linear-gradient(135deg, rgba(18,13,11,.62) 0%, rgba(48,29,21,.46) 100%);
    color: rgba(255,255,255,.94);
    box-shadow:
        0 16px 38px rgba(0,0,0,.24),
        inset 0 1px 0 rgba(255,255,255,.06);
    text-shadow: 0 2px 14px rgba(0,0,0,.18);
    font-size: clamp(16px, 1.08vw, 19px);
    font-weight: 500;
    line-height: 1.58;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

#zumi-native-insurance .zni-hero__copy > p::before {
    content: "";
    position: absolute;
    left: 20px;
    top: 0;
    width: 72px;
    height: 3px;
    border-radius: 0 0 999px 999px;
    background: linear-gradient(90deg, #E85E2A, #E2A428);
    box-shadow: 0 0 14px rgba(232,94,42,.28);
}

/* Supporting chips stay quieter and smaller so there is a clear hierarchy. */
#zumi-native-insurance .zni-pill-row {
    gap: 7px;
    margin-top: clamp(15px, 1.25vw, 22px);
}

#zumi-native-insurance .zni-pill {
    min-height: 31px;
    padding: 6px 10px;
    border-color: rgba(255,255,255,.13);
    background: rgba(10,8,7,.34);
    color: rgba(255,255,255,.80);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.035);
    font-size: 10.8px;
    font-weight: 600;
    line-height: 1.25;
}

/* At the awkward phone / small-tablet width shown in testing, reduce visual
   pressure: slightly smaller headline, tighter spacing, and a softer copy card
   that integrates into the photograph instead of sitting on top of it. */
@media (max-width: 760px) {
    #zumi-native-insurance .zni-hero__copy {
        padding-left: clamp(18px, 4.5vw, 28px) !important;
        padding-right: clamp(18px, 4.5vw, 28px) !important;
    }

    #zumi-native-insurance .zni-hero h1 {
        max-width: 100% !important;
        font-size: clamp(38px, 8.4vw, 50px) !important;
        line-height: .98 !important;
        letter-spacing: -.047em !important;
    }

    #zumi-native-insurance .zni-hero h1::after {
        margin-top: 14px;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        margin-top: 16px;
        padding: 14px 15px 14px;
        border-color: rgba(255,255,255,.13);
        border-radius: 4px;
        background:
            radial-gradient(circle at 10% 0%, rgba(232,94,42,.12), transparent 38%),
            linear-gradient(145deg, rgba(17,12,10,.60), rgba(45,27,20,.44));
        color: rgba(255,255,255,.94);
        box-shadow: 0 12px 27px rgba(0,0,0,.20), inset 0 1px 0 rgba(255,255,255,.045);
        text-shadow: none;
        font-size: clamp(12.8px, 2.65vw, 14px);
        line-height: 1.55;
        backdrop-filter: blur(5px);
        -webkit-backdrop-filter: blur(5px);
    }

    #zumi-native-insurance .zni-hero__copy > p::before {
        left: 15px;
        width: 52px;
        height: 2px;
    }

    #zumi-native-insurance .zni-pill-row {
        gap: 6px;
        margin-top: 12px;
    }

    #zumi-native-insurance .zni-pill {
        min-height: 28px;
        padding: 5px 8px;
        background: rgba(8,7,6,.31);
        color: rgba(255,255,255,.78);
        font-size: 9.4px;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
    }
}

/* Phones: keep the hero compact and preserve the Hilux window before the
   Hollard strip. The card remains readable without becoming the focal block. */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        grid-template-rows: auto clamp(30px, 8vw, 46px) auto !important;
    }

    #zumi-native-insurance .zni-hero__copy {
        padding-top: 28px !important;
        padding-bottom: 14px !important;
    }

    #zumi-native-insurance .zni-hero h1 {
        font-size: clamp(36px, 10.2vw, 47px) !important;
    }

    #zumi-native-insurance .zni-hero__copy > p {
        font-size: 12.8px;
        padding: 13px 14px;
    }

    #zumi-native-insurance .zni-hero__rail {
        padding-top: 0 !important;
    }
}


/* ============================================================
   v1.0.20 — WHOLE-WORD WRAPPING
   Never insert browser-generated hyphens or split words merely to fit.
   Text wraps at normal word boundaries; long German headings use a
   slightly smaller responsive size so complete words can move intact
   onto the next line.
   ============================================================ */
#zumi-native-insurance,
#zumi-native-insurance * {
    -webkit-hyphens: none !important;
    hyphens: none !important;
    word-break: normal !important;
    overflow-wrap: normal !important;
}

#zumi-native-insurance h1,
#zumi-native-insurance h2,
#zumi-native-insurance h3,
#zumi-native-insurance h4,
#zumi-native-insurance p,
#zumi-native-insurance li,
#zumi-native-insurance summary,
#zumi-native-insurance .zni-pill,
#zumi-native-insurance .zni-btn,
#zumi-native-insurance .zni-plan-tab__text strong,
#zumi-native-insurance .zni-plan-tab__text span {
    white-space: normal !important;
}

/* German has a few unusually long compound headings. Rather than
   breaking those words, reduce the heading just enough on narrow
   screens so the complete word can wrap as a unit. */
@media (max-width: 760px) {
    html[lang^="de"] #zumi-native-insurance .zni-section-head h2,
    html[lang^="de"] #zumi-native-insurance .zni-contact h2,
    html[lang^="de"] #zumi-native-insurance .zni-examples__head h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-section-head h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-contact h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-examples__head h2 {
        font-size: clamp(23px, 6.8vw, 32px) !important;
        line-height: 1.06 !important;
        letter-spacing: -.025em !important;
    }
}

@media (max-width: 420px) {
    html[lang^="de"] #zumi-native-insurance .zni-section-head h2,
    html[lang^="de"] #zumi-native-insurance .zni-contact h2,
    html[lang^="de"] #zumi-native-insurance .zni-examples__head h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-section-head h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-contact h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-examples__head h2 {
        font-size: clamp(21px, 6.3vw, 27px) !important;
    }
}

/* ============================================================
   v1.0.20.2 — PLAN SELECTOR GUIDANCE + DESKTOP BREATHING ROOM
   Keep the v1.0.20.1 design intact, but make the selector's
   interactivity explicit and give wide screens more separation
   before the detailed coverage panels begin.
   ============================================================ */
#zumi-native-insurance .zni-plan-instruction {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 0 0 18px;
    color: #746B66;
    font-size: 13px;
    font-weight: 600;
    line-height: 1.45;
}

#zumi-native-insurance .zni-plan-instruction::before {
    content: "";
    flex: 0 0 22px;
    width: 22px;
    height: 2px;
    border-radius: 999px;
    background: var(--zni-orange);
}

@media (min-width: 1400px) {
    #zumi-native-insurance .zni-plan-tabs {
        margin-bottom: 12px;
    }

    #zumi-native-insurance .zni-plan-instruction {
        margin-bottom: 28px;
        font-size: 13.5px;
    }
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-plan-instruction {
        margin-bottom: 14px;
        font-size: 12.5px;
    }
}



/* ============================================================
   v1.0.20.4 — STATIC HERO CROP + SMALL-SCREEN PHOTO BREATHING ROOM
   Keep the coastal banner anchored to one composition at every
   breakpoint. Smaller screens get a deliberate photo window between
   the hero copy/chips and the Hollard trust strip, without moving the
   image itself or pushing the trust strip excessively far down.
   ============================================================ */

/* One fixed banner composition across all viewport widths. Earlier
   breakpoint-specific crop/position rules are intentionally overridden. */
#zumi-native-insurance .zni-hero {
    background-size: cover, cover, cover !important;
    background-position: center, center, center center !important;
    background-repeat: no-repeat !important;
}

/* Tablet / smaller-screen composition: expose more of the coastal photo
   between the text/chips and the Hollard strip. */
@media (max-width: 900px) {
    #zumi-native-insurance .zni-hero {
        grid-template-rows: auto clamp(82px, 13vw, 112px) auto !important;
    }

    #zumi-native-insurance .zni-hero__rail {
        padding-top: 0 !important;
        padding-bottom: 16px !important;
    }
}

/* Phones get visibly more background than v1.0.20.3, but the spacer is
   capped so the Hollard strip remains part of the hero rather than being
   pushed too far below the primary content. */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero {
        grid-template-rows: auto clamp(72px, 18vw, 94px) auto !important;
    }

    #zumi-native-insurance .zni-hero__rail {
        padding-top: 0 !important;
        padding-bottom: 10px !important;
    }
}


/* =========================================================
   Sample rental contract
   ========================================================= */
.zni-contract {
    position: relative;
    overflow: hidden;
}

.zni-contract::before {
    content: "";
    position: absolute;
    inset: auto -80px -120px auto;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    border: 1px solid rgba(232,94,42,0.10);
    box-shadow:
        0 0 0 42px rgba(232,94,42,0.035),
        0 0 0 84px rgba(232,94,42,0.022);
    pointer-events: none;
}

.zni-contract__card {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: auto minmax(0, 1fr) minmax(260px, 0.38fr);
    gap: clamp(24px, 3vw, 48px);
    align-items: center;
    padding: clamp(28px, 3.4vw, 52px);
    border: 1px solid rgba(29, 23, 21, 0.10);
    border-radius: 4px;
    background: linear-gradient(135deg, rgba(255,255,255,0.98), rgba(250,247,244,0.97));
    box-shadow: 0 24px 70px rgba(29, 23, 21, 0.08);
}

.zni-contract__icon {
    display: grid;
    place-items: center;
    width: clamp(76px, 7vw, 108px);
    aspect-ratio: 1;
    border-radius: 4px;
    background: linear-gradient(145deg, #fff3ec, #ffe4d6);
    border: 1px solid rgba(232,94,42,0.18);
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.9);
}

.zni-contract__icon img {
    width: 54%;
    height: 54%;
    object-fit: contain;
}

.zni-contract__content {
    min-width: 0;
}

.zni-contract__content h2 {
    margin: 10px 0 12px;
    max-width: 760px;
    font-size: clamp(32px, 3vw, 54px);
    line-height: 0.98;
    letter-spacing: -0.045em;
}

.zni-contract__content > p {
    margin: 0;
    max-width: 820px;
    color: #665f5a;
    font-size: clamp(16px, 1.2vw, 20px);
    line-height: 1.58;
}

.zni-contract__points {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 18px;
    margin-top: 22px;
}

.zni-contract__points > span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #312b28;
    font-size: 14px;
    font-weight: 700;
    line-height: 1.35;
}

.zni-contract__points svg {
    width: 17px;
    height: 17px;
    flex: 0 0 auto;
    fill: none;
    stroke: #E85E2A;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.zni-contract__actions {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
    min-width: 0;
}

.zni-contract__btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    min-height: 54px;
    padding: 13px 18px;
    border-radius: 4px;
    text-decoration: none !important;
    font-weight: 800;
    line-height: 1.2;
    transition: background-color 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
}

.zni-contract__btn:hover,
.zni-contract__btn:focus-visible {
    transform: none;
}

.zni-contract__btn--primary {
    color: #fff !important;
    background: #E85E2A !important;
    border: 1px solid #E85E2A;
    box-shadow: 0 12px 28px rgba(232,94,42,0.20);
}

.zni-contract__btn--primary:hover,
.zni-contract__btn--primary:focus-visible {
    color: #fff !important;
    background: #E85E2A !important;
    border-color: #E85E2A !important;
}

.zni-contract__btn--primary img {
    width: 22px;
    height: 22px;
    object-fit: contain;
    filter: brightness(0) invert(1);
}

.zni-contract__btn--secondary {
    color: #201b19 !important;
    background: #fff;
    border: 1px solid rgba(29, 23, 21, 0.14);
}

.zni-contract__btn--secondary:hover,
.zni-contract__btn--secondary:focus-visible {
    color: #201b19 !important;
    background: #f8f4f1;
    border-color: rgba(29, 23, 21, 0.22);
}

.zni-contract__btn--secondary svg {
    width: 19px;
    height: 19px;
    fill: none;
    stroke: currentColor;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.zni-contract__actions small {
    display: block;
    margin-top: 2px;
    color: #817973;
    font-size: 12px;
    line-height: 1.45;
    text-align: center;
}

@media (max-width: 1199px) {
    .zni-contract__card {
        grid-template-columns: auto minmax(0, 1fr);
    }

    .zni-contract__actions {
        grid-column: 2;
        display: grid;
        grid-template-columns: minmax(0, 1fr);
    }

    .zni-contract__actions small {
        grid-column: 1;
    }
}

@media (max-width: 767px) {
    .zni-contract__card {
        grid-template-columns: 1fr;
        gap: 20px;
        padding: 24px 20px;
        border-radius: 4px;
    }

    .zni-contract__icon {
        width: 68px;
        border-radius: 4px;
    }

    .zni-contract__content h2 {
        font-size: clamp(29px, 9vw, 40px);
        line-height: 1.02;
    }

    .zni-contract__content > p {
        font-size: 15px;
        line-height: 1.55;
    }

    .zni-contract__points {
        display: grid;
        gap: 9px;
        margin-top: 18px;
    }

    .zni-contract__actions {
        grid-column: auto;
        display: flex;
        flex-direction: column;
    }

    .zni-contract__actions small {
        text-align: left;
    }
}


/* Phone-only compact treatment for the rental-contract card. */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-contract {
        padding: 14px 10px;
    }

    #zumi-native-insurance .zni-contract__card {
        gap: 14px;
        padding: 18px 16px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-contract__icon {
        width: 54px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-contract .zni-eyebrow {
        gap: 7px;
        margin-bottom: 8px;
        font-size: 10px;
        letter-spacing: .105em;
    }

    #zumi-native-insurance .zni-contract .zni-eyebrow::before {
        width: 18px;
    }

    #zumi-native-insurance .zni-contract__content h2 {
        margin: 6px 0 9px;
        font-size: clamp(26px, 7.4vw, 32px);
        line-height: 1.02;
        letter-spacing: -0.04em;
    }

    #zumi-native-insurance .zni-contract__content > p {
        font-size: 13.5px;
        line-height: 1.48;
    }

    #zumi-native-insurance .zni-contract__points {
        gap: 7px;
        margin-top: 13px;
    }

    #zumi-native-insurance .zni-contract__points > span {
        gap: 7px;
        font-size: 12.5px;
        line-height: 1.3;
    }

    #zumi-native-insurance .zni-contract__points svg {
        width: 15px;
        height: 15px;
    }

    #zumi-native-insurance .zni-contract__actions {
        gap: 7px;
    }

    #zumi-native-insurance .zni-contract__btn {
        min-height: 46px;
        gap: 8px;
        padding: 10px 14px;
        border-radius: 4px;
        font-size: 14px;
    }

    #zumi-native-insurance .zni-contract__btn--primary img {
        width: 19px;
        height: 19px;
    }

    #zumi-native-insurance .zni-contract__actions small {
        margin-top: 0;
        font-size: 11px;
        line-height: 1.35;
    }
}

/* ==============================================================
   CURRENCY CONVERTER — MATCHES VEHICLE-PAGE SWITCHER
   Same flags, four-currency layout, orange active state and shared
   website currency preference. Insurance contract values remain NAD.
   ============================================================== */
#zumi-native-insurance .zni-currency-wrap {
    width: 410px;
    min-width: 410px;
    max-width: 410px;
    margin: -18px 0 28px auto;
}

#zumi-native-insurance .zni-currency-label {
    display: block;
    width: 100%;
    margin-bottom: 7px;
    color: var(--zni-muted);
    font-size: 10px;
    font-weight: 750;
    letter-spacing: .09em;
    text-transform: uppercase;
    text-align: center;
}

#zumi-native-insurance .zni-currency {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 5px;
    width: 100%;
    padding: 5px;
    background: #FFFFFF;
    border: 1px solid var(--zni-line);
    border-radius: 4px;
    box-shadow: 0 5px 20px rgba(0,0,0,.04);
}

#zumi-native-insurance .zni-currency button {
    appearance: none;
    -webkit-appearance: none;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 5px;
    width: 100%;
    min-width: 0;
    padding: 9px 8px;
    color: #3B3B3B;
    cursor: pointer;
    background: transparent;
    border: 0;
    border-radius: 4px;
    font-size: 11px;
    font-weight: 750;
    line-height: 1;
    white-space: nowrap;
    box-shadow: none;
    transform: none;
    transition: background-color 150ms ease, color 150ms ease;
}

#zumi-native-insurance .zni-currency button:hover,
#zumi-native-insurance .zni-currency button:focus-visible {
    color: #3B3B3B;
    background: #F7F2EF;
    outline: none;
}

#zumi-native-insurance .zni-currency button.is-active,
#zumi-native-insurance .zni-currency button.is-active:hover,
#zumi-native-insurance .zni-currency button.is-active:focus-visible {
    color: #FFFFFF;
    background: #E85E2A !important;
}

#zumi-native-insurance .zni-currency .zni-currency-flag {
    display: block;
    width: 20px !important;
    height: 20px !important;
    flex: 0 0 20px;
    object-fit: contain;
}

#zumi-native-insurance .zni-fx-note {
    display: block;
    width: 100%;
    min-width: 0;
    max-width: 100%;
    min-height: 34px;
    margin: 8px 0 0;
    padding: 0 4px;
    color: #8A8A8A;
    font-size: 10px;
    line-height: 1.35;
    text-align: center;
    overflow-wrap: normal;
    word-break: normal;
}

#zumi-native-insurance .zni-money {
    white-space: nowrap;
}

@media (max-width: 900px) {
    #zumi-native-insurance .zni-currency-wrap {
        width: 100%;
        min-width: 0;
        max-width: 100%;
        margin: -6px 0 24px;
    }

    #zumi-native-insurance .zni-currency-label,
    #zumi-native-insurance .zni-fx-note {
        text-align: center;
    }
}

@media (max-width: 700px) {
    #zumi-native-insurance .zni-currency {
        grid-template-columns: repeat(4, minmax(0, 1fr));
    }

    #zumi-native-insurance .zni-currency button {
        padding: 8px 3px;
        font-size: 9.7px;
    }

    #zumi-native-insurance .zni-currency .zni-currency-flag {
        width: 18px !important;
        height: 18px !important;
        flex-basis: 18px;
    }

    #zumi-native-insurance .zni-fx-note {
        min-height: 40px;
        font-size: 10.5px;
        line-height: 1.35;
    }
}

@media (max-width: 420px) {
    #zumi-native-insurance .zni-currency button {
        gap: 3px;
        padding-left: 2px;
        padding-right: 2px;
        font-size: 9px;
    }

    #zumi-native-insurance .zni-currency .zni-currency-flag {
        width: 16px !important;
        height: 16px !important;
        flex-basis: 16px;
    }
}


/* GENERAL EMERGENCY SAFETY NOTICE
   Visible outside the FAQ so travellers see the human-safety priority
   before reviewing cover and excess details. */
#zumi-native-insurance .zni-emergency-banner {
    display: grid;
    grid-template-columns: 72px minmax(0, 1fr);
    gap: clamp(18px, 1.7vw, 30px);
    align-items: center;
    padding: clamp(24px, 2.1vw, 40px) clamp(24px, 3vw, 58px);
    overflow: hidden;
    border-color: rgba(198, 40, 40, .18);
    border-left: 5px solid #C62828;
    background: linear-gradient(110deg, #FFF7F5 0%, #FDEDE9 58%, #F8E3DE 100%);
    box-shadow: 0 12px 34px rgba(92, 27, 27, .07);
}

#zumi-native-insurance .zni-emergency-banner__icon {
    display: grid;
    place-items: center;
    width: 72px;
    height: 72px;
    border: 1px solid rgba(198, 40, 40, .24);
    border-radius: 4px;
    background: rgba(255,255,255,.92);
    box-shadow: 0 8px 24px rgba(92, 27, 27, .08);
}

#zumi-native-insurance .zni-emergency-banner__icon img {
    width: 38px;
    height: 38px;
    object-fit: contain;
}

#zumi-native-insurance .zni-emergency-banner__content {
    min-width: 0;
}

#zumi-native-insurance .zni-emergency-banner__eyebrow {
    margin-bottom: 8px;
    color: #C62828;
}

#zumi-native-insurance .zni-emergency-banner h2 {
    max-width: 1050px;
    margin: 0;
    color: #211A16;
    font-size: clamp(24px, 2vw, 39px);
    font-weight: 700;
    line-height: 1.08;
    letter-spacing: -.035em;
    text-wrap: balance;
    overflow-wrap: normal;
    word-break: normal;
    hyphens: none;
}

#zumi-native-insurance .zni-emergency-banner__content > p {
    max-width: 1420px;
    margin: 10px 0 0;
    color: #5E5148;
    font-size: clamp(13.5px, .9vw, 17px);
    line-height: 1.62;
}

#zumi-native-insurance .zni-emergency-banner__reference {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    max-width: 100%;
    margin-top: 13px;
    padding: 8px 11px;
    border: 1px solid rgba(198, 40, 40, .20);
    border-radius: 4px;
    background: rgba(255,255,255,.76);
    color: #4D4139;
    font-size: 12.5px;
    font-weight: 650;
    line-height: 1.45;
}

#zumi-native-insurance .zni-emergency-banner__reference-dot {
    width: 7px;
    height: 7px;
    flex: 0 0 7px;
    border-radius: 50%;
    background: #C62828;
    box-shadow: 0 0 0 4px rgba(198,40,40,.11);
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-emergency-banner {
        grid-template-columns: 42px minmax(0, 1fr);
        gap: 12px;
        padding: 16px 14px 17px;
        border-left-width: 3px;
        background: linear-gradient(180deg, #FFF7F5 0%, #FDECE8 64%, #F8E2DE 100%);
    }

    #zumi-native-insurance .zni-emergency-banner__icon {
        width: 42px;
        height: 42px;
        border-radius: 4px;
        align-self: start;
    }

    #zumi-native-insurance .zni-emergency-banner__icon img {
        width: 24px;
        height: 24px;
    }

    #zumi-native-insurance .zni-emergency-banner__eyebrow {
        margin-bottom: 6px;
        font-size: 9.5px;
        letter-spacing: .10em;
    }

    #zumi-native-insurance .zni-emergency-banner__eyebrow::before {
        width: 18px;
    }

    #zumi-native-insurance .zni-emergency-banner h2 {
        font-size: 20px;
        line-height: 1.08;
    }

    #zumi-native-insurance .zni-emergency-banner__content > p {
        margin-top: 8px;
        font-size: 12px;
        line-height: 1.52;
    }

    #zumi-native-insurance .zni-emergency-banner__reference {
        align-items: flex-start;
        margin-top: 10px;
        padding: 7px 8px;
        font-size: 10.5px;
        line-height: 1.42;
    }

    #zumi-native-insurance .zni-emergency-banner__reference-dot {
        margin-top: 4px;
    }
}

/* ==========================================================
   EMERGENCY CONTACT LINK — v1.0.20.16
   Clearly interactive inside both red emergency callouts.
   ========================================================== */
#zumi-native-insurance .zni-emergency-contact-link {
    color: #C62828;
    font-weight: 800;
    text-decoration: underline;
    text-decoration-thickness: 1.5px;
    text-underline-offset: 2px;
    transition: color 140ms ease, text-decoration-color 140ms ease;
}

#zumi-native-insurance .zni-emergency-contact-link:hover,
#zumi-native-insurance .zni-emergency-contact-link:focus-visible {
    color: #A51F1F;
    text-decoration-color: #A51F1F;
}

#zumi-native-insurance .zni-emergency-contact-link:focus-visible {
    outline: 2px solid rgba(198, 40, 40, .35);
    outline-offset: 3px;
    border-radius: 4px;
}

#zumi-native-insurance .zni-faq-important__reference {
    margin-top: 8px !important;
    font-weight: 650;
}


/* ==========================================================
   EMERGENCY WARNING ICON — v1.0.20.17
   Keep the supplied SVG while rendering its artwork in the same red
   warning tone used by both emergency callouts.
   ========================================================== */
#zumi-native-insurance .zni-emergency-banner__icon img,
#zumi-native-insurance .zni-faq-important__icon img {
    filter: brightness(0) saturate(100%) invert(19%) sepia(96%) saturate(3341%) hue-rotate(350deg) brightness(86%) contrast(86%);
}

/* ==============================================================
   v1.0.20.19 — COVERAGE HEADER COMPOSITION
   Prevent the excess section from developing a large empty left-hand
   void at desktop/intermediate widths. The heading, information notice
   and currency control now form one responsive composition.
   ============================================================== */
#zumi-native-insurance .zni-section-head--coverage {
    align-items: center;
    margin-bottom: clamp(24px, 2vw, 36px);
}

#zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title {
    min-width: 0;
}

#zumi-native-insurance .zni-section-head--coverage h2 {
    max-width: 760px;
    line-height: 1.10;
    letter-spacing: -.042em;
}

#zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
    width: 100%;
    min-width: 0;
    max-width: 410px;
    margin: 0;
    justify-self: end;
    align-self: center;
}

/* Wide desktop: heading, notice and currency selector share one row. */
@media (min-width: 1500px) {
    #zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns:
            minmax(430px, 1fr)
            minmax(390px, .72fr)
            minmax(360px, 410px);
        gap: clamp(24px, 2vw, 38px);
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__notice {
        align-self: center;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        align-self: center;
    }
}

/* Laptop / intermediate desktop: use the full width deliberately rather
   than leaving a tall empty column beneath the heading. */
@media (min-width: 901px) and (max-width: 1499px) {
    #zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns: minmax(0, 1fr) minmax(360px, .82fr);
        gap: 22px clamp(24px, 3vw, 46px);
        align-items: start;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title {
        grid-column: 1 / -1;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__notice {
        grid-column: 1;
        margin: 0;
        align-self: stretch;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        grid-column: 2;
        width: 100%;
        max-width: 100%;
        align-self: start;
        justify-self: stretch;
    }
}

/* Tablet and mobile remain naturally stacked. */
@media (max-width: 900px) {
    #zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns: 1fr;
        gap: 15px;
        margin-bottom: 22px;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title,
    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__notice,
    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        grid-column: 1;
        width: 100%;
        max-width: 100%;
        justify-self: stretch;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        margin: 0;
    }

    #zumi-native-insurance .zni-section-head--coverage h2 {
        line-height: 1.09;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-section-head--coverage {
        gap: 13px;
        margin-bottom: 20px;
    }

    #zumi-native-insurance .zni-section-head--coverage h2 {
        line-height: 1.08;
    }
}

/* ============================================================
   v1.0.20.20 — TRANSLATED PLAN DETAIL RESPONSIVE SAFETY
   Prevent long German/Russian plan labels and liability copy from
   competing for the same horizontal space on phone/tablet widths.
   Keep whole-word wrapping and preserve the desktop composition.
   ============================================================ */
@media (max-width: 900px) {
    #zumi-native-insurance .zni-plan-panel,
    #zumi-native-insurance .zni-plan-panel__heading,
    #zumi-native-insurance .zni-plan-panel__heading > div,
    #zumi-native-insurance .zni-liability-card {
        min-width: 0 !important;
        max-width: 100% !important;
    }

    #zumi-native-insurance .zni-plan-panel__heading {
        display: grid !important;
        grid-template-columns: minmax(0, 1fr) !important;
        gap: 16px !important;
        align-items: start !important;
    }

    #zumi-native-insurance .zni-plan-panel h3 {
        max-width: 100% !important;
        font-size: clamp(31px, 6.8vw, 46px) !important;
        line-height: 1.07 !important;
        letter-spacing: -.035em !important;
        white-space: normal !important;
        overflow-wrap: normal !important;
        word-break: normal !important;
        hyphens: none !important;
    }

    #zumi-native-insurance .zni-plan-panel__kicker,
    #zumi-native-insurance .zni-plan-panel__strap,
    #zumi-native-insurance .zni-liability-card small,
    #zumi-native-insurance .zni-liability-card strong {
        max-width: 100% !important;
        white-space: normal !important;
        overflow-wrap: normal !important;
        word-break: normal !important;
        hyphens: none !important;
    }

    #zumi-native-insurance .zni-liability-card {
        width: 100% !important;
        min-width: 0 !important;
        padding: 14px 16px !important;
        text-align: left !important;
    }

    #zumi-native-insurance .zni-liability-card small {
        font-size: 9.5px !important;
        line-height: 1.35 !important;
        letter-spacing: .055em !important;
    }

    #zumi-native-insurance .zni-liability-card strong {
        margin-top: 5px !important;
        font-size: 18px !important;
        line-height: 1.2 !important;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-plan-panel__heading {
        gap: 13px !important;
    }

    #zumi-native-insurance .zni-plan-panel h3 {
        font-size: clamp(29px, 9vw, 37px) !important;
        line-height: 1.08 !important;
    }

    #zumi-native-insurance .zni-liability-card {
        padding: 12px 14px !important;
        border-radius: 4px !important;
    }
}

/* German compounds need a little more breathing room at the widths where
   the selector has already stacked but the viewport is still tablet-sized. */
@media (min-width: 621px) and (max-width: 900px) {
    html[lang^="de"] #zumi-native-insurance .zni-plan-panel h3,
    #zumi-native-insurance[data-zumi-language="de"] .zni-plan-panel h3 {
        font-size: clamp(31px, 5.6vw, 42px) !important;
        line-height: 1.08 !important;
        letter-spacing: -.03em !important;
    }
}

/* ============================================================
   v1.0.20.21 — TYRE / WINDSCREEN TRANSLATION-SAFE CARD
   Keep long translated add-on headings fully inside the dark card.
   The card itself decides when to tighten, so the fix also works at
   browser zoom levels and intermediate layouts where viewport-only
   media queries can leave a narrow sidebar on a wide CSS viewport.
   ============================================================ */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    container-type: inline-size;
}

#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__body,
#zumi-native-insurance .zni-addon-card--compact h3,
#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__body > p,
#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__note,
#zumi-native-insurance .zni-addon-card--compact .zni-addon-card__note span {
    min-width: 0 !important;
    max-width: 100% !important;
}

#zumi-native-insurance .zni-addon-card--compact h3 {
    width: 100%;
    font-size: clamp(22px, 1.45vw, 29px);
    line-height: 1.10;
    letter-spacing: -.03em;
    white-space: normal !important;
    overflow: visible !important;
    text-overflow: clip !important;
    overflow-wrap: normal !important;
    word-break: normal !important;
    hyphens: none !important;
}

/* German compound nouns need a slightly calmer scale in the narrow
   desktop add-on column. The visible wording is also intentionally
   concise ("Reifen- & Scheibenschutz") while retaining the full
   windscreen explanation in the body copy. */
html[lang^="de"] #zumi-native-insurance .zni-addon-card--compact h3,
#zumi-native-insurance[data-zumi-language="de"] .zni-addon-card--compact h3 {
    font-size: clamp(21px, 1.30vw, 27px);
    line-height: 1.12;
    letter-spacing: -.025em;
}

/* If the supporting card itself becomes narrow, let the icon sit above
   the copy so the heading receives the entire card width. */
@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: minmax(0, 1fr);
        gap: 14px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap {
        width: 58px;
        height: 58px;
    }

    #zumi-native-insurance .zni-addon-card__icon-wrap img {
        width: 31px !important;
        height: 31px !important;
        max-width: 31px !important;
    }

    #zumi-native-insurance .zni-addon-card--compact h3 {
        font-size: 23px;
        line-height: 1.12;
    }

    html[lang^="de"] #zumi-native-insurance .zni-addon-card--compact h3,
    #zumi-native-insurance[data-zumi-language="de"] .zni-addon-card--compact h3 {
        font-size: 22px;
    }
}

@container (max-width: 330px) {
    #zumi-native-insurance .zni-addon-card--compact h3,
    html[lang^="de"] #zumi-native-insurance .zni-addon-card--compact h3,
    #zumi-native-insurance[data-zumi-language="de"] .zni-addon-card--compact h3 {
        font-size: 20px;
        line-height: 1.14;
    }
}


/* ============================================================
   v1.0.20.22 — GLOBAL TRANSLATION-SAFE HEADING GUARD
   Long German/Russian headings can become wider than individual cards
   at intermediate viewport widths or browser zoom levels. These rules
   make every major card/panel heading respond to the width of its own
   container, while preserving natural whole-word wrapping and the
   established desktop typography.
   ============================================================ */
#zumi-native-insurance .zni-plan-panel,
#zumi-native-insurance .zni-addon-card,
#zumi-native-insurance .zni-example-card,
#zumi-native-insurance .zni-contract__card,
#zumi-native-insurance .zni-emergency-banner,
#zumi-native-insurance .zni-contact,
#zumi-native-insurance .zni-plan-tab {
    container-type: inline-size;
}

/* Shared containment: no translated heading should be allowed to create
   a horizontal overflow or be clipped by a decorative card edge. */
#zumi-native-insurance .zni-section-head h2,
#zumi-native-insurance .zni-plan-panel h3,
#zumi-native-insurance .zni-addon-card h3,
#zumi-native-insurance .zni-example-card h3,
#zumi-native-insurance .zni-contract__content h2,
#zumi-native-insurance .zni-emergency-banner h2,
#zumi-native-insurance .zni-contact h2,
#zumi-native-insurance .zni-plan-tab__text strong,
#zumi-native-insurance .zni-plan-panel__kicker,
#zumi-native-insurance .zni-eyebrow {
    min-width: 0 !important;
    max-width: 100% !important;
    white-space: normal !important;
    overflow: visible !important;
    text-overflow: clip !important;
    overflow-wrap: normal !important;
    word-break: normal !important;
    hyphens: none !important;
}

#zumi-native-insurance .zni-plan-tab__text,
#zumi-native-insurance .zni-plan-panel__heading > div,
#zumi-native-insurance .zni-addon-card__body,
#zumi-native-insurance .zni-addon-card__copy,
#zumi-native-insurance .zni-example-card,
#zumi-native-insurance .zni-contract__content,
#zumi-native-insurance .zni-emergency-banner__content,
#zumi-native-insurance .zni-contact > div {
    min-width: 0 !important;
    max-width: 100% !important;
}

/* Card-width fallbacks are intentionally based on the component itself,
   not the browser width. This catches narrow sidebars, split-screen views,
   translated pages and zoomed layouts that ordinary media queries miss. */
@container (max-width: 460px) {
    #zumi-native-insurance .zni-addon-card h3 {
        font-size: clamp(19px, 7.2cqi, 24px) !important;
        line-height: 1.13 !important;
        letter-spacing: -.025em !important;
    }

    #zumi-native-insurance .zni-plan-panel h3 {
        font-size: clamp(27px, 10.5cqi, 38px) !important;
        line-height: 1.09 !important;
        letter-spacing: -.032em !important;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: clamp(15px, 5.4cqi, 18px) !important;
        line-height: 1.25 !important;
        letter-spacing: -.018em !important;
    }

    #zumi-native-insurance .zni-contract__content h2 {
        font-size: clamp(24px, 9.2cqi, 34px) !important;
        line-height: 1.05 !important;
        letter-spacing: -.03em !important;
    }

    #zumi-native-insurance .zni-emergency-banner h2 {
        font-size: clamp(18px, 7.2cqi, 24px) !important;
        line-height: 1.10 !important;
        letter-spacing: -.025em !important;
    }

    #zumi-native-insurance .zni-contact h2 {
        font-size: clamp(27px, 10cqi, 38px) !important;
        line-height: 1.07 !important;
        letter-spacing: -.032em !important;
    }

    #zumi-native-insurance .zni-plan-tab__text strong {
        font-size: clamp(11px, 4.2cqi, 13px) !important;
        line-height: 1.18 !important;
    }
}

@container (max-width: 350px) {
    #zumi-native-insurance .zni-addon-card h3 {
        font-size: 18px !important;
        line-height: 1.15 !important;
    }

    #zumi-native-insurance .zni-plan-panel h3 {
        font-size: 27px !important;
        line-height: 1.10 !important;
    }

    #zumi-native-insurance .zni-contract__content h2,
    #zumi-native-insurance .zni-contact h2 {
        font-size: 25px !important;
        line-height: 1.08 !important;
    }
}

/* German compound nouns are the most likely to exceed a compact card.
   Scale them one step more conservatively without breaking the words. */
@container (max-width: 460px) {
    html[lang^="de"] #zumi-native-insurance .zni-addon-card h3,
    #zumi-native-insurance[data-zumi-language="de"] .zni-addon-card h3 {
        font-size: clamp(18px, 6.7cqi, 22px) !important;
    }

    html[lang^="de"] #zumi-native-insurance .zni-plan-panel h3,
    #zumi-native-insurance[data-zumi-language="de"] .zni-plan-panel h3 {
        font-size: clamp(26px, 9.5cqi, 35px) !important;
    }
}

/* Narrow phone fallback for section-level headings that are not always
   inside a component container. */
@media (max-width: 520px) {
    #zumi-native-insurance .zni-section-head h2,
    #zumi-native-insurance .zni-examples__head h2 {
        font-size: clamp(26px, 8.2vw, 34px) !important;
        line-height: 1.08 !important;
        letter-spacing: -.03em !important;
    }

    html[lang^="de"] #zumi-native-insurance .zni-section-head h2,
    html[lang^="de"] #zumi-native-insurance .zni-examples__head h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-section-head h2,
    #zumi-native-insurance[data-zumi-language="de"] .zni-examples__head h2 {
        font-size: clamp(24px, 7.5vw, 31px) !important;
    }
}


/* ============================================================
   v1.0.20.23 — COVERAGE HEADER / LONG-TRANSLATION HARDENING
   The previous three-column desktop composition could still make the
   German coverage title narrower than its longest natural word. Keep
   the title on its own row through normal desktop widths and reserve
   the three-column treatment for genuinely ultra-wide canvases.
   ============================================================ */
#zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title {
    width: 100% !important;
    max-width: 100% !important;
}

#zumi-native-insurance .zni-section-head--coverage h2 {
    width: 100% !important;
    max-width: 100% !important;
    white-space: normal !important;
    overflow: visible !important;
    text-overflow: clip !important;
    overflow-wrap: normal !important;
    word-break: normal !important;
    hyphens: none !important;
}

/* Normal desktop / laptop: full-width heading first, then the notice and
   currency selector beneath it. This prevents long translations from
   ever sharing the same horizontal lane with the notice. */
@media (min-width: 901px) and (max-width: 2099px) {
    #zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns: minmax(0, 1fr) minmax(360px, 410px) !important;
        gap: 22px clamp(24px, 3vw, 48px) !important;
        align-items: start !important;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title {
        grid-column: 1 / -1 !important;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__notice {
        grid-column: 1 !important;
        width: 100% !important;
        max-width: none !important;
        margin: 0 !important;
        align-self: stretch !important;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        grid-column: 2 !important;
        width: 100% !important;
        min-width: 0 !important;
        max-width: 410px !important;
        justify-self: end !important;
        align-self: start !important;
        margin: 0 !important;
    }
}

/* Ultra-wide only: the compact three-column header has enough physical
   space to remain balanced without constraining translated headings. */
@media (min-width: 2100px) {
    #zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns:
            minmax(760px, 1.25fr)
            minmax(390px, .72fr)
            minmax(360px, 410px) !important;
        gap: clamp(26px, 2vw, 42px) !important;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title,
    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__notice,
    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        grid-column: auto !important;
    }
}

/* At the narrow end of laptop/tablet landscape widths, stack all three
   header elements instead of squeezing the informational copy. */
@media (min-width: 901px) and (max-width: 1180px) {
    #zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns: 1fr !important;
        gap: 16px !important;
    }

    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__title,
    #zumi-native-insurance .zni-section-head--coverage .zni-coverage-head__notice,
    #zumi-native-insurance .zni-section-head--coverage .zni-currency-wrap {
        grid-column: 1 !important;
        width: 100% !important;
        max-width: 100% !important;
        justify-self: stretch !important;
    }
}

/* German remains natural whole-word text; use a slightly calmer scale
   rather than forcing a compound noun to split in the middle. */
html[lang^="de"] #zumi-native-insurance .zni-section-head--coverage h2,
#zumi-native-insurance[data-zumi-language="de"] .zni-section-head--coverage h2 {
    font-size: clamp(38px, 2.75vw, 58px) !important;
    line-height: 1.10 !important;
    letter-spacing: -.038em !important;
}

/* ============================================================
   v1.0.20.25 — CONTACT OPTIONS CTA + RENTAL DOCUMENT ICON
   Replace the email action with the localized Contact page action,
   keep the WhatsApp action alongside it, and use the dedicated
   rental-document artwork in the Full Terms card only.
   ============================================================ */
#zumi-native-insurance .zni-contract__icon img {
    object-fit: contain;
    filter: invert(48%) sepia(89%) saturate(2937%) hue-rotate(347deg) brightness(98%) contrast(91%);
}

#zumi-native-insurance .zni-contact__actions {
    --zni-contact-action-width: 220px;
    display: flex !important;
    flex-wrap: wrap;
    gap: 10px !important;
    width: max-content !important;
    max-width: 100%;
    justify-self: end;
    align-items: center;
}

#zumi-native-insurance .zni-contact .zni-btn--contact,
#zumi-native-insurance .zni-contact .zni-btn--whatsapp {
    display: inline-flex !important;
    width: var(--zni-contact-action-width) !important;
    min-width: var(--zni-contact-action-width) !important;
    max-width: var(--zni-contact-action-width) !important;
    min-height: 48px !important;
    box-sizing: border-box;
    justify-content: center;
    align-items: center;
    padding: 11px 15px !important;
    border-radius: 4px;
    font-size: 13px !important;
    font-weight: 700;
    line-height: 1.15;
    white-space: nowrap;
    transform: none !important;
    transition: none !important;
    animation: none !important;
}

#zumi-native-insurance .zni-contact .zni-btn--contact {
    gap: 8px !important;
}

#zumi-native-insurance .zni-contact .zni-btn--whatsapp {
    gap: 10px !important;
    border-color: rgba(255,255,255,.18) !important;
    background: rgba(255,255,255,.06) !important;
    color: #fff !important;
}

#zumi-native-insurance .zni-contact .zni-btn--whatsapp:hover,
#zumi-native-insurance .zni-contact .zni-btn--whatsapp:focus-visible {
    border-color: rgba(255,255,255,.32) !important;
    background: rgba(255,255,255,.11) !important;
    color: #fff !important;
    outline: none;
    transform: none !important;
}

#zumi-native-insurance .zni-contact .zni-btn__contact-icon {
    display: inline-grid;
    place-items: center;
    width: 19px !important;
    height: 19px !important;
    flex: 0 0 19px;
}

#zumi-native-insurance .zni-contact .zni-btn__contact-icon img {
    display: block;
    width: 19px !important;
    height: 19px !important;
    max-width: 19px !important;
    max-height: 19px !important;
    object-fit: contain;
    filter: brightness(0) invert(1);
}

#zumi-native-insurance .zni-contact .zni-btn__whatsapp-icon {
    display: inline-grid;
    place-items: center;
    width: 23px !important;
    height: 23px !important;
    flex: 0 0 23px;
}

#zumi-native-insurance .zni-contact .zni-btn__whatsapp-icon img {
    display: block;
    width: 21px !important;
    height: 21px !important;
    max-width: 21px !important;
    max-height: 21px !important;
    object-fit: contain;
}

@media (max-width: 980px) {
    #zumi-native-insurance .zni-contact__actions {
        justify-self: start;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-contact__actions {
        --zni-contact-action-width: min(220px, calc(100vw - 64px));
        gap: 7px !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact,
    #zumi-native-insurance .zni-contact .zni-btn--whatsapp {
        min-height: 44px !important;
        padding: 9px 11px !important;
        font-size: 11px !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact {
        gap: 7px !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn__contact-icon,
    #zumi-native-insurance .zni-contact .zni-btn__contact-icon img {
        width: 18px !important;
        height: 18px !important;
        max-width: 18px !important;
        max-height: 18px !important;
        flex-basis: 18px !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn__whatsapp-icon {
        width: 22px !important;
        height: 22px !important;
        flex: 0 0 22px !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn__whatsapp-icon img {
        width: 20px !important;
        height: 20px !important;
        max-width: 20px !important;
        max-height: 20px !important;
    }
}



/* ============================================================
   v1.0.20.26 — MOBILE CONTACT PANEL OVERFLOW FIX
   Keep all CTA copy and actions inside the rounded panel on phones.
   ============================================================ */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-contact {
        grid-template-columns: minmax(0, 1fr) !important;
        width: auto !important;
        max-width: none !important;
        min-width: 0 !important;
        box-sizing: border-box !important;
        overflow: hidden !important;
    }

    #zumi-native-insurance .zni-contact__copy,
    #zumi-native-insurance .zni-contact__actions,
    #zumi-native-insurance .zni-contact__copy > p,
    #zumi-native-insurance .zni-contact__reassurance,
    #zumi-native-insurance .zni-contact__reassurance > * {
        min-width: 0 !important;
        max-width: 100% !important;
        box-sizing: border-box !important;
    }

    #zumi-native-insurance .zni-contact__copy > p,
    #zumi-native-insurance .zni-contact__reassurance {
        width: 100% !important;
        white-space: normal !important;
        overflow-wrap: break-word !important;
        word-break: normal !important;
    }

    #zumi-native-insurance .zni-contact__actions {
        --zni-contact-action-width: 100%;
        display: grid !important;
        grid-template-columns: minmax(0, 1fr) !important;
        gap: 8px !important;
        width: 100% !important;
        max-width: 100% !important;
        justify-self: stretch !important;
        align-items: stretch !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact,
    #zumi-native-insurance .zni-contact .zni-btn--whatsapp {
        width: 100% !important;
        min-width: 0 !important;
        max-width: 100% !important;
        min-height: 46px !important;
        box-sizing: border-box !important;
        justify-content: flex-start !important;
        white-space: normal !important;
        overflow: hidden !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact > span:last-child,
    #zumi-native-insurance .zni-contact .zni-btn--whatsapp > span:last-child {
        min-width: 0 !important;
        white-space: normal !important;
        overflow-wrap: break-word !important;
    }
}

/* ============================================================
   v1.0.20.27 — CONTENT-WIDTH CONTACT ACTIONS
   Keep the mobile overflow protection, but let each CTA size itself
   to its own icon + label instead of filling the entire panel width.
   ============================================================ */
#zumi-native-insurance .zni-contact__actions {
    --zni-contact-action-width: auto !important;
    display: flex !important;
    flex-wrap: wrap !important;
    align-items: center !important;
    gap: 8px !important;
    width: max-content !important;
    max-width: 100% !important;
}

#zumi-native-insurance .zni-contact .zni-btn--contact,
#zumi-native-insurance .zni-contact .zni-btn--whatsapp {
    display: inline-flex !important;
    width: fit-content !important;
    min-width: 0 !important;
    max-width: 100% !important;
    flex: 0 0 auto !important;
    justify-content: center !important;
    white-space: nowrap !important;
    overflow: visible !important;
}

#zumi-native-insurance .zni-contact .zni-btn--contact > span:last-child,
#zumi-native-insurance .zni-contact .zni-btn--whatsapp > span:last-child {
    white-space: nowrap !important;
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-contact__actions {
        flex-direction: column !important;
        flex-wrap: nowrap !important;
        align-items: flex-start !important;
        justify-self: start !important;
        width: 100% !important;
        max-width: 100% !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact,
    #zumi-native-insurance .zni-contact .zni-btn--whatsapp {
        width: fit-content !important;
        max-width: 100% !important;
        align-self: flex-start !important;
    }
}

/* ============================================================
   v1.0.20.28 — MOBILE CONTACT ACTIONS ON ONE ROW
   Keep Contact options and WhatsApp beside each other on phones.
   The Contact button may shrink/wrap its label on very narrow or
   translated layouts so the pair never escapes the contact panel.
   ============================================================ */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-contact__actions {
        display: flex !important;
        flex-direction: row !important;
        flex-wrap: nowrap !important;
        align-items: stretch !important;
        justify-content: flex-start !important;
        gap: 7px !important;
        width: 100% !important;
        max-width: 100% !important;
        min-width: 0 !important;
        justify-self: stretch !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact,
    #zumi-native-insurance .zni-contact .zni-btn--whatsapp {
        width: auto !important;
        min-width: 0 !important;
        max-width: 100% !important;
        align-self: stretch !important;
        min-height: 44px !important;
        padding: 9px 10px !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact {
        flex: 1 1 auto !important;
        justify-content: center !important;
        overflow: hidden !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--whatsapp {
        flex: 0 0 auto !important;
        justify-content: center !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--contact > span:last-child {
        min-width: 0 !important;
        white-space: normal !important;
        overflow-wrap: normal !important;
        word-break: normal !important;
        text-align: center !important;
    }

    #zumi-native-insurance .zni-contact .zni-btn--whatsapp > span:last-child {
        white-space: nowrap !important;
    }
}



/* ============================================================
   v1.0.20.29 — OPTIONAL + / LARGER EXAMPLES / COMPACT CONTRACT
   ============================================================ */

/* Make the Tyre & Windscreen panel read immediately as an add-on.
   The plus is intentionally decorative and remains white on the dark card. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
    content: "+";
    position: absolute;
    z-index: 4;
    top: 14px;
    right: 18px;
    display: grid;
    place-items: center;
    width: 30px;
    height: 30px;
    color: #FFFFFF;
    font-family: "Roboto", Arial, Helvetica, sans-serif;
    font-size: 30px;
    font-weight: 400;
    line-height: 1;
    opacity: .96;
    pointer-events: none;
    text-shadow: 0 2px 10px rgba(0,0,0,.24);
}

/* Give the corner + enough breathing room without making the compact
   supporting card materially taller. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    padding-right: clamp(54px, 4vw, 66px);
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        padding-right: 48px;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
        top: 12px;
        right: 14px;
        width: 26px;
        height: 26px;
        font-size: 26px;
    }
}

/* Practical examples: a modest readability increase at every viewport.
   Keep the existing layout and hierarchy, just make the explanatory copy
   easier to scan. */
#zumi-native-insurance .zni-examples__head > p,
#zumi-native-insurance .zni-examples__intro-note {
    font-size: clamp(14px, .9vw, 16.5px) !important;
    line-height: 1.60 !important;
}

#zumi-native-insurance .zni-examples__rule strong {
    font-size: clamp(14px, .82vw, 16px) !important;
}

#zumi-native-insurance .zni-examples__rule p {
    font-size: clamp(12.5px, .76vw, 14.5px) !important;
    line-height: 1.58 !important;
}

#zumi-native-insurance .zni-example-card__label,
#zumi-native-insurance .zni-example-card--excluded .zni-example-card__label,
#zumi-native-insurance .zni-example-card--special .zni-example-card__label,
#zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
    font-size: clamp(10.5px, .62vw, 12px) !important;
}

#zumi-native-insurance .zni-example-card h3 {
    font-size: clamp(19px, 1.12vw, 23px) !important;
    line-height: 1.22 !important;
}

#zumi-native-insurance .zni-example-card p {
    font-size: clamp(14px, .84vw, 16px) !important;
    line-height: 1.62 !important;
}

#zumi-native-insurance .zni-examples__footer {
    font-size: clamp(11.5px, .7vw, 13px) !important;
    line-height: 1.55 !important;
}

@container (max-width: 460px) {
    #zumi-native-insurance .zni-example-card h3 {
        font-size: clamp(18px, 5.8cqi, 21px) !important;
        line-height: 1.24 !important;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-examples__head > p,
    #zumi-native-insurance .zni-examples__intro-note {
        font-size: 14px !important;
    }

    #zumi-native-insurance .zni-examples__rule strong {
        font-size: 14px !important;
    }

    #zumi-native-insurance .zni-examples__rule p {
        font-size: 12.5px !important;
    }

    #zumi-native-insurance .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--excluded .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--special .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
        font-size: 10.5px !important;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: 19px !important;
    }

    #zumi-native-insurance .zni-example-card p {
        font-size: 14px !important;
    }

    #zumi-native-insurance .zni-examples__footer {
        font-size: 11.5px !important;
    }
}

/* The final rental-agreement panel should read as a concise reference CTA,
   not another full-height content section. */
#zumi-native-insurance .zni-contract__card {
    grid-template-columns: auto minmax(0, 1fr) minmax(220px, .30fr);
    gap: clamp(18px, 2vw, 30px);
    padding: clamp(20px, 2.15vw, 34px);
    border-radius: 4px;
}

#zumi-native-insurance .zni-contract__icon {
    width: clamp(60px, 5vw, 82px);
    border-radius: 4px;
}

#zumi-native-insurance .zni-contract__content h2 {
    margin: 6px 0 8px;
    font-size: clamp(28px, 2.2vw, 42px);
    line-height: 1.02;
}

#zumi-native-insurance .zni-contract__content > p {
    font-size: clamp(14px, .98vw, 17px);
    line-height: 1.50;
}

#zumi-native-insurance .zni-contract__points {
    gap: 8px 15px;
    margin-top: 14px;
}

#zumi-native-insurance .zni-contract__points > span {
    font-size: 13px;
}

#zumi-native-insurance .zni-contract__actions {
    gap: 7px;
}

#zumi-native-insurance .zni-contract__btn {
    min-height: 48px;
    padding: 11px 15px;
    border-radius: 4px;
}

#zumi-native-insurance .zni-contract__actions small {
    font-size: 11px;
    line-height: 1.35;
}

@media (max-width: 1199px) {
    #zumi-native-insurance .zni-contract__card {
        grid-template-columns: auto minmax(0, 1fr);
    }
}

@media (max-width: 767px) {
    #zumi-native-insurance .zni-contract__card {
        grid-template-columns: minmax(0, 1fr);
        gap: 13px;
        padding: 17px 15px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-contract__icon {
        width: 52px;
        border-radius: 4px;
    }

    #zumi-native-insurance .zni-contract__content h2 {
        margin: 4px 0 7px;
        font-size: clamp(25px, 7.6vw, 32px);
    }

    #zumi-native-insurance .zni-contract__content > p {
        font-size: 13.5px;
        line-height: 1.47;
    }

    #zumi-native-insurance .zni-contract__points {
        margin-top: 11px;
        gap: 6px;
    }

    #zumi-native-insurance .zni-contract__points > span {
        font-size: 12px;
    }

    #zumi-native-insurance .zni-contract__btn {
        min-height: 44px;
        padding: 9px 12px;
    }
}

/* ============================================================
   v1.0.20.30 — EXAMPLE RHYTHM / CONTRACT INSET / ADD-ON PLUS
   ============================================================ */

/* Give the explanatory note a clearer visual break before the example cards. */
#zumi-native-insurance .zni-examples__rule {
    margin-bottom: clamp(24px, 1.9vw, 34px) !important;
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-examples__rule {
        margin-bottom: 22px !important;
    }
}

/* Keep the outer contract section exactly as the section container is styled,
   but reduce the empty inset around its inner content card. */
#zumi-native-insurance .zni-section.zni-contract {
    padding: clamp(20px, 1.55vw, 28px) !important;
}

@media (max-width: 767px) {
    #zumi-native-insurance .zni-section.zni-contract {
        padding: 14px !important;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-section.zni-contract {
        padding: 11px 10px !important;
    }
}

/* Move the add-on marker to the left edge, enlarge it, and restore the right
   inset that v1.0.20.29 had reserved for the old top-right marker. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    padding-left: clamp(68px, 4.3vw, 82px) !important;
    padding-right: clamp(24px, 2vw, 34px) !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
    top: 16px !important;
    right: auto !important;
    left: 15px !important;
    width: 44px !important;
    height: 44px !important;
    font-size: 46px !important;
    font-weight: 600 !important;
    line-height: 1 !important;
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        padding-left: 56px !important;
        padding-right: 18px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
        top: 12px !important;
        left: 12px !important;
        width: 34px !important;
        height: 34px !important;
        font-size: 37px !important;
    }
}

/* ============================================================
   v1.0.20.31 — ADD-ON COMPOSITION / MOBILE CONTRACT TITLE ROW
   ============================================================ */

/* Rebuild the optional-protection card as an intentional three-part grid:
   plus marker, tyre icon, then copy. This removes the competing absolute
   offsets/padding from earlier revisions and keeps the hierarchy stable at
   desktop, tablet and phone widths. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    display: grid !important;
    grid-template-columns: 44px 64px minmax(0, 1fr) !important;
    align-items: start !important;
    column-gap: 14px !important;
    row-gap: 0 !important;
    padding: clamp(20px, 1.75vw, 28px) !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
    position: static !important;
    grid-column: 1 !important;
    grid-row: 1 !important;
    align-self: start !important;
    justify-self: center !important;
    display: grid !important;
    place-items: center !important;
    width: 44px !important;
    height: 64px !important;
    margin: 0 !important;
    color: #fff !important;
    font-size: 48px !important;
    font-weight: 600 !important;
    line-height: 1 !important;
    opacity: .98 !important;
    transform: none !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
    grid-column: 2 !important;
    grid-row: 1 !important;
    width: 64px !important;
    height: 64px !important;
    margin: 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__body {
    grid-column: 3 !important;
    grid-row: 1 !important;
    width: 100% !important;
    min-width: 0 !important;
    align-self: start !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-eyebrow {
    margin: 1px 0 7px !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact h3 {
    margin: 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__body > p {
    margin-top: 9px !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
    width: 100% !important;
    margin-top: 13px !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 38px 54px minmax(0, 1fr) !important;
        column-gap: 11px !important;
        padding: 18px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
        width: 38px !important;
        height: 54px !important;
        font-size: 42px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
        width: 54px !important;
        height: 54px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
        width: 29px !important;
        height: 29px !important;
        max-width: 29px !important;
    }
}

/* On genuinely narrow cards, keep the + and icon as a compact visual row and
   give all textual content the full card width underneath. */
@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 38px 52px minmax(0, 1fr) !important;
        column-gap: 10px !important;
        row-gap: 12px !important;
        padding: 16px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after {
        grid-column: 1 !important;
        grid-row: 1 !important;
        width: 38px !important;
        height: 52px !important;
        font-size: 40px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
        grid-column: 2 !important;
        grid-row: 1 !important;
        width: 52px !important;
        height: 52px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__body {
        grid-column: 1 / -1 !important;
        grid-row: 2 !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-eyebrow {
        margin-top: 0 !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
        margin-top: 12px !important;
    }
}

/* Mobile-only contract composition: the eyebrow remains full-width above,
   the orange document icon sits directly beside the title, and every text
   block below the title still begins at the original left edge. */
@media (max-width: 767px) {
    #zumi-native-insurance .zni-contract__card {
        grid-template-columns: 44px minmax(0, 1fr) !important;
        column-gap: 11px !important;
        row-gap: 10px !important;
        align-items: center !important;
    }

    #zumi-native-insurance .zni-contract__content {
        display: contents !important;
    }

    #zumi-native-insurance .zni-contract .zni-eyebrow {
        grid-column: 1 / -1 !important;
        grid-row: 1 !important;
        margin: 0 0 1px !important;
    }

    #zumi-native-insurance .zni-contract__icon {
        grid-column: 1 !important;
        grid-row: 2 !important;
        align-self: center !important;
        width: 44px !important;
        height: 44px !important;
        margin: 0 !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-contract__content h2 {
        grid-column: 2 !important;
        grid-row: 2 !important;
        align-self: center !important;
        margin: 0 !important;
    }

    #zumi-native-insurance .zni-contract__content > p {
        grid-column: 1 / -1 !important;
        grid-row: 3 !important;
        margin-top: 0 !important;
    }

    #zumi-native-insurance .zni-contract__points {
        grid-column: 1 / -1 !important;
        grid-row: 4 !important;
        margin-top: 2px !important;
    }

    #zumi-native-insurance .zni-contract__actions {
        grid-column: 1 / -1 !important;
        grid-row: 5 !important;
        width: 100% !important;
    }
}

@media (max-width: 420px) {
    #zumi-native-insurance .zni-contract__card {
        grid-template-columns: 40px minmax(0, 1fr) !important;
        column-gap: 9px !important;
    }

    #zumi-native-insurance .zni-contract__icon {
        width: 40px !important;
        height: 40px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-contract__content h2 {
        font-size: clamp(23px, 7vw, 29px) !important;
        line-height: 1.04 !important;
    }
}


/* ============================================================
   v1.0.20.33 — SINGLE TYRE/WINDSCREEN ICON
   ============================================================ */

/* Remove every legacy decorative add-on marker. The supplied tyre/windscreen
   artwork is now the only visual identifier for this card. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact::after,
#zumi-native-insurance .zni-addon-card__status-icon,
#zumi-native-insurance .zni-addon-card__icons {
    display: none !important;
    content: none !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    display: grid !important;
    grid-template-columns: 64px minmax(0, 1fr) !important;
    align-items: start !important;
    column-gap: 16px !important;
    row-gap: 0 !important;
    padding: clamp(20px, 1.7vw, 27px) !important;
}

#zumi-native-insurance .zni-addon-card__visual-group {
    grid-column: 1 !important;
    grid-row: 1 !important;
    display: block !important;
    width: 64px !important;
    min-width: 64px !important;
    margin: 2px 0 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
    display: grid !important;
    place-items: center !important;
    width: 64px !important;
    height: 64px !important;
    margin: 0 !important;
    border-radius: 4px !important;
}

/* This WebP is already the intended finished artwork; do not recolour it. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
    display: block !important;
    width: 42px !important;
    height: 42px !important;
    max-width: 42px !important;
    object-fit: contain !important;
    filter: none !important;
    opacity: 1 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__body {
    grid-column: 2 !important;
    grid-row: 1 !important;
    width: 100% !important;
    min-width: 0 !important;
    align-self: start !important;
    padding: 0 !important;
}

#zumi-native-insurance .zni-addon-card__eyebrow {
    width: auto !important;
    margin: 0 0 6px !important;
    line-height: 1.2 !important;
    white-space: normal !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__body h3 {
    margin: 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__copy {
    display: block !important;
    margin: 8px 0 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
    width: 100% !important;
    margin-top: 12px !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact.is-included .zni-addon-card__eyebrow {
    color: #ffd6c5 !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 54px minmax(0, 1fr) !important;
        column-gap: 12px !important;
        padding: 16px 17px 17px !important;
    }

    #zumi-native-insurance .zni-addon-card__visual-group {
        width: 54px !important;
        min-width: 54px !important;
        margin-top: 1px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
        width: 54px !important;
        height: 54px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
        width: 36px !important;
        height: 36px !important;
        max-width: 36px !important;
    }

    #zumi-native-insurance .zni-addon-card__eyebrow {
        margin-bottom: 5px !important;
        font-size: 10px !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        grid-template-columns: 48px minmax(0, 1fr) !important;
        column-gap: 10px !important;
        padding: 15px 16px 16px !important;
    }

    #zumi-native-insurance .zni-addon-card__visual-group {
        width: 48px !important;
        min-width: 48px !important;
        margin-top: 0 !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
        width: 48px !important;
        height: 48px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
        width: 32px !important;
        height: 32px !important;
        max-width: 32px !important;
    }
}


/* ============================================================
   v1.0.20.34 — ICON BESIDE TITLE, FULL-WIDTH SUPPORTING COPY
   ============================================================ */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
    display: block !important;
    padding: clamp(20px, 1.7vw, 27px) !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__body {
    display: block !important;
    width: 100% !important;
    max-width: none !important;
    min-width: 0 !important;
    padding: 0 !important;
}

#zumi-native-insurance .zni-addon-card__title-row {
    display: flex !important;
    align-items: center !important;
    justify-content: flex-start !important;
    flex-wrap: wrap !important;
    gap: 10px !important;
    width: 100% !important;
    margin: 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__title-row h3 {
    flex: 0 1 auto !important;
    width: auto !important;
    max-width: calc(100% - 58px) !important;
    margin: 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
    display: grid !important;
    place-items: center !important;
    flex: 0 0 48px !important;
    width: 48px !important;
    height: 48px !important;
    margin: 0 !important;
    border-radius: 4px !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
    display: block !important;
    width: 34px !important;
    height: 34px !important;
    max-width: 34px !important;
    object-fit: contain !important;
    filter: none !important;
    opacity: 1 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__copy,
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
    width: 100% !important;
    max-width: none !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__copy {
    margin: 9px 0 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
    margin-top: 12px !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        padding: 16px 17px 17px !important;
    }

    #zumi-native-insurance .zni-addon-card__title-row {
        gap: 8px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__title-row h3 {
        max-width: calc(100% - 50px) !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
        flex-basis: 42px !important;
        width: 42px !important;
        height: 42px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
        width: 30px !important;
        height: 30px !important;
        max-width: 30px !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        padding: 15px 16px 16px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__title-row h3 {
        max-width: calc(100% - 46px) !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
        flex-basis: 38px !important;
        width: 38px !important;
        height: 38px !important;
        border-radius: 4px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap img {
        width: 27px !important;
        height: 27px !important;
        max-width: 27px !important;
    }
}


/* ============================================================
   v1.0.20.35 — NEW TYRE/WINDSCREEN ART BETWEEN TITLE + COPY
   ============================================================ */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__title-row {
    display: block !important;
    width: 100% !important;
    margin: 0 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__title-row h3 {
    display: block !important;
    width: 100% !important;
    max-width: none !important;
    margin: 0 !important;
}

/* The previous icon wrapper is no longer rendered. Keep it suppressed in case
   cached/translated markup briefly contains an older copy. */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__icon-wrap {
    display: none !important;
}

#zumi-native-insurance .zni-addon-card__hero-icon {
    display: flex !important;
    align-items: center !important;
    justify-content: flex-start !important;
    width: 100% !important;
    margin: 12px 0 10px !important;
    padding: 0 !important;
}

#zumi-native-insurance .zni-addon-card__hero-icon img {
    display: block !important;
    width: clamp(86px, 7.5vw, 118px) !important;
    height: auto !important;
    max-width: 38% !important;
    max-height: 92px !important;
    object-fit: contain !important;
    object-position: left center !important;
    filter: none !important;
    opacity: 1 !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__copy {
    margin: 0 !important;
    width: 100% !important;
    max-width: none !important;
}

#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
    width: 100% !important;
    max-width: none !important;
    margin-top: 12px !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin: 9px 0 8px !important;
    }

    #zumi-native-insurance .zni-addon-card__hero-icon img {
        width: clamp(78px, 22vw, 100px) !important;
        max-width: 34% !important;
        max-height: 78px !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin: 8px 0 7px !important;
    }

    #zumi-native-insurance .zni-addon-card__hero-icon img {
        width: 80px !important;
        max-width: 32% !important;
        max-height: 68px !important;
    }
}

/* ============================================================
   v1.0.20.36 — CENTERED, LARGER TYRE/WINDSCREEN ART
   ============================================================ */
#zumi-native-insurance .zni-addon-card__hero-icon {
    justify-content: center !important;
    margin: 14px 0 14px !important;
}

#zumi-native-insurance .zni-addon-card__hero-icon img {
    width: clamp(128px, 10vw, 168px) !important;
    max-width: 52% !important;
    max-height: 128px !important;
    object-position: center center !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin: 11px 0 12px !important;
    }

    #zumi-native-insurance .zni-addon-card__hero-icon img {
        width: clamp(118px, 34vw, 150px) !important;
        max-width: 58% !important;
        max-height: 112px !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin: 10px 0 11px !important;
    }

    #zumi-native-insurance .zni-addon-card__hero-icon img {
        width: 124px !important;
        max-width: 60% !important;
        max-height: 98px !important;
    }
}



/* ============================================================
   v1.0.20.37 — MORE TITLE GAP + SLIGHTLY LARGER PROTECTION ART
   ============================================================ */
#zumi-native-insurance .zni-addon-card__hero-icon {
    margin: 24px 0 14px !important;
}

#zumi-native-insurance .zni-addon-card__hero-icon img {
    width: clamp(145px, 11vw, 190px) !important;
    max-width: 56% !important;
    max-height: 144px !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin: 19px 0 12px !important;
    }

    #zumi-native-insurance .zni-addon-card__hero-icon img {
        width: clamp(132px, 38vw, 165px) !important;
        max-width: 62% !important;
        max-height: 124px !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin: 17px 0 11px !important;
    }

    #zumi-native-insurance .zni-addon-card__hero-icon img {
        width: 138px !important;
        max-width: 64% !important;
        max-height: 108px !important;
    }
}


/* ============================================================
   v1.0.20.38 — CONTENT-WIDTH PROTECTION STATUS NOTE
   ============================================================ */
#zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
    display: inline-grid !important;
    grid-template-columns: 20px auto !important;
    width: auto !important;
    max-width: min(100%, 500px) !important;
    margin-right: auto !important;
    box-sizing: border-box !important;
}

@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
        max-width: min(100%, 470px) !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact .zni-addon-card__note {
        max-width: 100% !important;
    }
}

/* ============================================================
   v1.0.20.39 — MOBILE EXAMPLE TYPE + TYRE/WINDSCREEN RHYTHM
   Mobile-only refinement: slightly smaller example typography and a
   modestly tighter title → artwork → copy rhythm in the protection card.
   ============================================================ */
@media (max-width: 620px) {
    #zumi-native-insurance .zni-examples__head > p,
    #zumi-native-insurance .zni-examples__intro-note {
        font-size: 13.25px !important;
        line-height: 1.55 !important;
    }

    #zumi-native-insurance .zni-examples__rule strong {
        font-size: 13.25px !important;
    }

    #zumi-native-insurance .zni-examples__rule p {
        font-size: 12px !important;
        line-height: 1.52 !important;
    }

    #zumi-native-insurance .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--excluded .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--special .zni-example-card__label,
    #zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
        font-size: 10px !important;
    }

    #zumi-native-insurance .zni-example-card h3 {
        font-size: 18px !important;
        line-height: 1.23 !important;
    }

    #zumi-native-insurance .zni-example-card p {
        font-size: 13px !important;
        line-height: 1.56 !important;
    }

    #zumi-native-insurance .zni-examples__footer {
        font-size: 11px !important;
        line-height: 1.50 !important;
    }
}

/* The add-on card uses container queries because it can be rendered in a
   narrow column even when the viewport itself is wider than a phone. */
@container (max-width: 560px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin-top: 15px !important;
        margin-bottom: 9px !important;
    }
}

@container (max-width: 410px) {
    #zumi-native-insurance .zni-addon-card__hero-icon {
        margin-top: 14px !important;
        margin-bottom: 8px !important;
    }
}


/* ============================================================
   v1.0.20.40 — EXTENDED SIDE-BY-SIDE COVERAGE LAYOUT
   Keep the selected excess panel and Tyre & Windscreen panel beside one
   another through more laptop/tablet-landscape widths. Stack only once the
   viewport becomes genuinely narrow.
   ============================================================ */
@media (min-width: 1051px) and (max-width: 1399px) {
    #zumi-native-insurance .zni-coverage-grid {
        grid-template-columns: minmax(0, 1.42fr) minmax(300px, .58fr) !important;
        gap: 14px !important;
        align-items: start !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        width: auto !important;
        max-width: none !important;
        align-self: start !important;
    }
}

@media (max-width: 1050px) {
    #zumi-native-insurance .zni-coverage-grid {
        grid-template-columns: minmax(0, 1fr) !important;
        gap: 12px !important;
    }

    #zumi-native-insurance .zni-addon-card.zni-addon-card--compact {
        width: 100% !important;
        max-width: none !important;
    }
}

/* Guided journeys use a Zumi driver-guide; excess choices are self-drive only. */
#zumi-native-insurance .zni-coverage-head__notice-wrap {
    display:grid;
    gap:8px;
}
/* Keep the guided-trip note at exactly the same reading size as the
   informational blurb beside it. */
#zumi-native-insurance .zni-coverage-head__notice-wrap > p {
    font-size:clamp(15px, .95vw, 18px);
    line-height:1.65;
}
#zumi-native-insurance .zni-self-drive-note {
    margin:0;
    padding:9px 11px;
    border-left:3px solid #E85E2A;
    border-radius:4px;
    background:rgba(232,94,42,.06);
    color:#5e554f;
}
@media (max-width:620px) {
    #zumi-native-insurance .zni-coverage-head__notice-wrap > p {
        font-size:11.5px;
        line-height:1.55;
    }
}

/* Preserve the existing informational-blurb card now that the guided note and
   information copy share a wrapper. */
#zumi-native-insurance .zni-coverage-head__notice {
    position:relative;
    margin:0;
    padding:17px 20px 17px 52px;
    border:1px solid #DDE1E4;
    border-radius:4px;
    background:#F5F7F8;
    color:#4F575D;
    box-shadow:none;
    cursor:default;
}
#zumi-native-insurance .zni-coverage-head__notice::before {
    content:"i";
    position:absolute;
    left:17px;
    top:50%;
    display:grid;
    place-items:center;
    width:23px;
    height:23px;
    transform:translateY(-50%);
    border:1px solid #B8C0C6;
    border-radius:50%;
    background:#fff;
    color:#68747C;
    font-size:13px;
    font-weight:700;
    line-height:1;
}
#zumi-native-insurance .zni-coverage-head__notice::after { content:none; display:none; }
@media (max-width:620px) {
    #zumi-native-insurance .zni-coverage-head__notice {
        padding:13px 13px 13px 42px;
        border-radius:4px;
        background:#F5F7F8;
        color:#505A61;
    }
    #zumi-native-insurance .zni-coverage-head__notice::before {
        left:12px;
        width:20px;
        height:20px;
        font-size:11px;
    }
}


/* v1.1.3 — emphasize the self-drive scope sentence without changing note sizing. */
#zumi-native-insurance .zni-self-drive-note strong { font-weight:800; color:inherit; }

/* v1.1.4 — place the two self-drive information blurbs side by side on large screens. */
@media (min-width:1100px) {
    #zumi-native-insurance .zni-coverage-head__notice-wrap {
        display:grid !important;
        grid-template-columns:minmax(0, .92fr) minmax(0, 1.08fr) !important;
        gap:12px !important;
        align-items:stretch !important;
        width:100% !important;
        max-width:none !important;
    }
    #zumi-native-insurance .zni-coverage-head__notice-wrap > p {
        height:100%;
        margin:0 !important;
    }
    #zumi-native-insurance .zni-self-drive-note {
        display:flex;
        align-items:center;
    }
    #zumi-native-insurance .zni-coverage-head__notice {
        display:flex;
        align-items:center;
    }
}


/* ZUMI SOFT DESERT DESIGN SYSTEM — 2026-10-08
   Consistent 4px soft corners on sections, buttons, media, images and icon tiles.
   SVG artwork, image pixels, sizing, layout, and interactive behaviour unchanged.
   Doubled ID specificity intentionally supersedes previous square-corner rules.
*/
#zumi-native-insurance#zumi-native-insurance { --zni-orange:#E85E2A;--zni-orange-deep:#E85E2A; --zumi-corner: 4px; }

/* Keep native radio circles identifiable as radio inputs. */
#zumi-native-insurance#zumi-native-insurance input[type="radio"] { border-radius: 50% !important; }
/* Preserve contrast: pale sand is used on photographic/dark hero kickers. */

#zumi-native-insurance#zumi-native-insurance .zni-eyebrow--light { color:#F1C7A4 !important; }
#zumi-native-insurance#zumi-native-insurance .zni-btn--primary:not(:disabled):not(.is-disabled) { background-color:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }
#zumi-native-insurance#zumi-native-insurance .zni-btn--primary:hover:not(:disabled):not(.is-disabled), #zumi-native-insurance#zumi-native-insurance .zni-btn--primary:focus-visible:not(:disabled):not(.is-disabled) { background-color:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }

/* ZUMI BUTTON PALETTE — screenshot-matched orange #E85E2A (2026-10-08).
   Surface-only accents: preserves section colours, body copy, images and 4px corners. */
#zumi-native-insurance#zumi-native-insurance .zni-btn--primary { background:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }
#zumi-native-insurance#zumi-native-insurance .zni-btn--primary:is(:hover,:focus-visible):not(:disabled):not(.is-disabled) { background:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }
#zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary { background:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }
#zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary:is(:hover,:focus-visible):not(:disabled):not(.is-disabled) { background:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }
#zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active { background:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }
#zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active:is(:hover,:focus-visible):not(:disabled):not(.is-disabled) { background:#E85E2A !important; border-color:#E85E2A !important; color:#FFFFFF !important; }


/* ZUMI: 4px on ordinary content surfaces; original banner artwork/radii preserved. */
#zumi-native-insurance#zumi-native-insurance .zni-addon-card,
#zumi-native-insurance#zumi-native-insurance .zni-addon-card__note,
#zumi-native-insurance#zumi-native-insurance .zni-contract__card,
#zumi-native-insurance#zumi-native-insurance .zni-coverage-head__notice,
#zumi-native-insurance#zumi-native-insurance .zni-currency,
#zumi-native-insurance#zumi-native-insurance .zni-example-card,
#zumi-native-insurance#zumi-native-insurance .zni-faq-important,
#zumi-native-insurance#zumi-native-insurance .zni-faq-item,
#zumi-native-insurance#zumi-native-insurance .zni-insurer-card,
#zumi-native-insurance#zumi-native-insurance .zni-liability-card,
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel,
#zumi-native-insurance#zumi-native-insurance .zni-protection-card,
#zumi-native-insurance#zumi-native-insurance .zni-self-drive-note,
#zumi-native-insurance#zumi-native-insurance .zni-mini-facts > div,
#zumi-native-insurance#zumi-native-insurance .zni-exclusion-grid li {border-radius:4px!important;}

/* Corner radius for real controls only, never banner layers or decorative pseudo-elements. */
#zumi-native-insurance#zumi-native-insurance :is(button, input:not([type="radio"]), textarea, select, a[class*="btn"], a[class*="button"], a[class*="action"]) {border-radius:4px!important;}

/* Final solid orange surface contract — all orange action states use exact #E85E2A. */
#zumi-native-insurance#zumi-native-insurance .zni-btn--primary, #zumi-native-insurance#zumi-native-insurance .zni-btn--primary:hover, #zumi-native-insurance#zumi-native-insurance .zni-btn--primary:focus, #zumi-native-insurance#zumi-native-insurance .zni-btn--primary:focus-visible, #zumi-native-insurance#zumi-native-insurance .zni-btn--primary:active {background-color:#E85E2A!important; border-color:#E85E2A!important;}
#zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary, #zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary:hover, #zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary:focus, #zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary:focus-visible, #zumi-native-insurance#zumi-native-insurance .zni-contract__btn--primary:active {background-color:#E85E2A!important; border-color:#E85E2A!important;}
#zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active, #zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active:hover, #zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active:focus, #zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active:focus-visible, #zumi-native-insurance#zumi-native-insurance .zni-currency button.is-active:active {background-color:#E85E2A!important; border-color:#E85E2A!important;}


/* Zumi 2026-10-08: enforce 4px corners on every button-like control, including greyed-out, disabled and secondary span-based CTAs. Do not change pseudo-element artwork or the disabled state. */
#zumi-native-insurance#zumi-native-insurance :is(
  button,
  input[type="button"],
  input[type="submit"],
  input[type="reset"],
  [role="button"],
  [role="link"][aria-disabled="true"][class*="button"],
  [aria-disabled="true"][class*="btn"],
  [aria-disabled="true"][class*="button"],
  [aria-disabled="true"][class*="action"],
  a[class*="btn"]:not([class*="icon"]),
  a[class*="button"]:not([class*="icon"]),
  a[class*="action"]:not([class*="actions"]):not([class*="icon"]),
  .zni-btn,
  .zni-contract__btn
) {
  border-radius: 4px !important;
}


/* ZUMI BANNER HEADING TYPE — POPPINS, October 2026.
   Scope: large banner/hero headings only. Body, controls and other headings stay Roboto.
   Existing sizes, layout, colour, weight and decoration are unchanged. */
#zumi-native-insurance#zumi-native-insurance .zni-hero h1 {
  font-family: "Zumi Poppins", "Poppins", Arial, sans-serif !important;
  letter-spacing: -.032em !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero h1 span {
  font-family: "Zumi Poppins", "Poppins", Arial, sans-serif !important;
}


/* Zumi Insurance: hero-copy accent and eyebrow only.
   The explanation card no longer has a top accent stripe; the eyebrow label
   uses the exact Zumi brand orange. Other hero decorations are unchanged. */
#zumi-native-insurance .zni-hero__copy > p::before {
    content: none !important;
    display: none !important;
}
#zumi-native-insurance .zni-hero .zni-eyebrow {
    color: #E85E2A !important;
}

/* v1.1.5 — the two excess guidance notices always share a row.
   Keep this override scoped to their wrapper, not other insurance cards.
   Use compact type and natural vertical growth instead of text clipping. */
#zumi-native-insurance .zni-coverage-head__notice-wrap {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) !important;
    gap: clamp(6px, .8vw, 12px) !important;
    align-items: stretch !important;
    min-width: 0 !important;
    width: 100% !important;
    max-width: 100% !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-coverage-head__notice-wrap > p {
    display: block !important; /* Override old flex rule that split the first sentence */
    grid-column: auto !important; /* Older layout rules pinned the right notice in column 1 */
    grid-row: auto !important;
    box-sizing: border-box;
    align-self: stretch;
    min-width: 0;
    max-width: 100%;
    width: 100%;
    height: 100%;
    margin: 0 !important;
    font-family: Roboto, Arial, sans-serif !important;
    font-size: clamp(12px, 1.1vw, 15px) !important;
    line-height: 1.48 !important;
    overflow-wrap: break-word;
    word-break: normal;
    hyphens: none !important;
}
#zumi-native-insurance .zni-coverage-head__notice-wrap > .zni-self-drive-note {
    padding: clamp(8px, .8vw, 13px) clamp(8px, .85vw, 14px) !important;
}
#zumi-native-insurance .zni-coverage-head__notice-wrap > .zni-coverage-head__notice {
    padding: clamp(8px, .8vw, 13px) clamp(9px, .9vw, 15px)
             clamp(8px, .8vw, 13px) clamp(34px, 2.5vw, 48px) !important;
}
#zumi-native-insurance .zni-coverage-head__notice-wrap > .zni-coverage-head__notice::before {
    left: 9px;
    width: 19px;
    height: 19px;
    font-size: 11px;
}
@media (max-width: 700px) {
    #zumi-native-insurance#zumi-native-insurance .zni-coverage-head__notice-wrap > p {
        font-size: clamp(10.5px, 2.45vw, 12px) !important;
        line-height: 1.42 !important;
    }
}
@media (max-width: 440px) {
    #zumi-native-insurance .zni-coverage-head__notice-wrap > .zni-self-drive-note {
        padding: 8px 7px !important;
    }
    #zumi-native-insurance .zni-coverage-head__notice-wrap > .zni-coverage-head__notice {
        padding: 31px 7px 8px !important;
    }
    #zumi-native-insurance .zni-coverage-head__notice-wrap > .zni-coverage-head__notice::before {
        left: 8px;
        top: 8px;
        transform: none;
        width: 17px;
        height: 17px;
        font-size: 10px;
    }
}

/* Zumi Insurance: slightly smaller selected excess amount headline on phones only.
   Does not alter other headings, price values, or desktop/tablet typography. */
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-plan-panel__heading h3 {
        font-size: clamp(26px, 8.1vw, 34px) !important;
    }
}

/* 2026-10-09 — Insurance contact CTA matches Hilux Ready to Book contact control.
   Keep this scoped to the Insurance contact action; other primary buttons
   continue using the brand-orange colour. */
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact.zni-btn--ghost {
    display: inline-flex !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 8px !important;
    text-align: center !important;
    background: rgba(255,255,255,.06) !important;
    border-color: rgba(255,255,255,.18) !important;
    color: #FFFFFF !important;
    font-family: "Roboto", Arial, sans-serif !important;
    border-radius: 4px !important;
    box-shadow: none !important;
    transform: none !important;
    transition: none !important;
    transition-delay: 0s !important;
    animation: none !important;
    animation-delay: 0s !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact.zni-btn--ghost:is(:hover,:focus,:focus-visible,:active) {
    background: rgba(255,255,255,.11) !important;
    border-color: rgba(255,255,255,.32) !important;
    color: #FFFFFF !important;
    box-shadow: none !important;
    transform: none !important;
    transition: none !important;
    transition-delay: 0s !important;
    animation: none !important;
    animation-delay: 0s !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact .zni-btn__contact-icon {
    display: inline-flex !important;
    align-items: center !important;
    justify-content: center !important;
    width: 19px !important;
    height: 19px !important;
    flex: 0 0 19px !important;
    padding: 0 !important;
    border: 0 !important;
    border-radius: 0 !important;
    background: transparent !important;
    box-shadow: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact .zni-btn__contact-icon img {
    display: block !important;
    width: 19px !important;
    height: 19px !important;
    max-width: 19px !important;
    max-height: 19px !important;
    filter: brightness(0) invert(1) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact > span:last-child {
    min-width: 0 !important;
    text-align: center !important;
    font-family: "Roboto", Arial, sans-serif !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact .zni-btn__contact-icon,
    #zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact .zni-btn__contact-icon img {
        width: 18px !important;
        height: 18px !important;
        max-width: 18px !important;
        max-height: 18px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn--contact .zni-btn__contact-icon {
        flex-basis: 18px !important;
    }
}


/* ZUMI INSURANCE — targeted contact and guidance layout correction.
   The contact CTA is a secondary action, never a primary orange CTA.
   Two guidance notices remain two columns within a full-width header row. */
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn.zni-btn--contact.zni-btn--ghost,
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn.zni-btn--contact.zni-btn--ghost:visited {
    background: rgba(255,255,255,.06) !important;
    background-image: none !important;
    border: 1px solid rgba(255,255,255,.18) !important;
    color: #fff !important;
    font-family: Roboto, Arial, sans-serif !important;
    transition: none !important;
    transition-delay: 0s !important;
    animation: none !important;
    animation-delay: 0s !important;
    transform: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-contact .zni-btn.zni-btn--contact.zni-btn--ghost:is(:hover,:focus,:focus-visible,:active) {
    background: rgba(255,255,255,.11) !important;
    background-image: none !important;
    border-color: rgba(255,255,255,.32) !important;
    color: #fff !important;
    transform: none !important;
    transition: none !important;
    transition-delay: 0s !important;
    animation: none !important;
    animation-delay: 0s !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-coverage-head__notice-wrap {
    display: grid !important;
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    gap: clamp(6px, .8vw, 12px) !important;
    grid-column: 1 / -1 !important;
    width: 100% !important;
    max-width: none !important;
    min-width: 0 !important;
    align-items: stretch !important;
    justify-self: stretch !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-coverage-head__notice-wrap > p {
    display: block !important;
    grid-column: auto !important;
    grid-row: auto !important;
    min-width: 0 !important;
    width: 100% !important;
    height: 100% !important;
    box-sizing: border-box !important;
    margin: 0 !important;
    overflow-wrap: break-word !important;
    hyphens: none !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-coverage-head__notice-wrap > p {
        font-size: clamp(10.5px, 2.5vw, 12px) !important;
        line-height: 1.43 !important;
    }
}


/* v1.1.7 — Keep the currency switcher in its original coverage-header position.
   The coverage information card is again a direct sibling of the selector;
   the self-drive scope information now belongs beneath the hero message. */
#zumi-native-insurance .zni-hero__copy > .zni-self-drive-note--hero {
    display: block;
    width: 100%;
    max-width: 820px;
    margin: 10px 0 0;
    padding: 10px 15px;
    border: 1px solid rgba(255,255,255,.18);
    border-left: 3px solid #E85E2A;
    border-radius: 4px;
    background: rgba(18,13,11,.71);
    color: rgba(255,255,255,.94);
    font-family: Roboto, Arial, sans-serif;
    font-size: clamp(12px, .92vw, 15px);
    font-weight: 400;
    line-height: 1.48;
    overflow-wrap: break-word;
    word-break: normal;
    hyphens: none;
}
#zumi-native-insurance .zni-hero__copy > .zni-self-drive-note--hero strong {
    font-weight: 800;
    color: inherit;
}
@media (max-width: 620px) {
    #zumi-native-insurance .zni-hero__copy > .zni-self-drive-note--hero {
        margin-top: 8px;
        padding: 9px 11px;
        font-size: 11.5px;
        line-height: 1.45;
    }
}

#zumi-native-insurance .zni-example-card--important::before,
#zumi-native-insurance .zni-example-card--warning::before {
    background: #27211E;
}

#zumi-native-insurance .zni-example-card--important .zni-example-card__label,
#zumi-native-insurance .zni-example-card--warning .zni-example-card__label {
    background: #27211E;
    color: #FFFFFF;
}

@media (max-width: 620px) {
    #zumi-native-insurance .zni-example-card__media {
        aspect-ratio: 16 / 10;
    }

    #zumi-native-insurance .zni-example-card__body {
        padding: 16px 14px 17px;
    }

    #zumi-native-insurance .zni-contact {
        background:
            linear-gradient(180deg, rgba(16,11,10,.88) 0%, rgba(16,11,10,.78) 52%, rgba(16,11,10,.88) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/10/zumi_insurance_giraffe_sunset_banner.webp") center center / cover no-repeat;
    }
}

/* v1.1.9 — Practical examples: inset image frames, consistent badges and compact mobile cards.
   Place after historical card overrides so the new media remains edge-to-edge within its frame. */
#zumi-native-insurance#zumi-native-insurance .zni-example-card {
    padding: 0 !important;
    overflow: hidden;
    background: #fff;
    border-radius: 4px;
}

#zumi-native-insurance#zumi-native-insurance .zni-example-card__media {
    position: relative;
    display: block;
    width: auto;
    height: auto;
    aspect-ratio: 16 / 9;
    margin: 12px 12px 0;
    overflow: hidden;
    border-radius: 7px;
    border: 1px solid rgba(82, 57, 42, .14);
    background: #F1ECE8;
    box-shadow: 0 3px 13px rgba(42, 27, 17, .09);
}

#zumi-native-insurance#zumi-native-insurance .zni-example-card__media > img {
    position: absolute;
    inset: 0;
    display: block;
    width: 100% !important;
    max-width: none !important;
    min-width: 100%;
    height: 100% !important;
    max-height: none !important;
    margin: 0 !important;
    padding: 0 !important;
    border: 0 !important;
    border-radius: 0 !important;
    object-fit: cover;
}

#zumi-native-insurance#zumi-native-insurance .zni-example-card__body {
    padding: clamp(17px, 1.25vw, 23px) !important;
}

/* The Responsible Driving card is a normal example, not a black warning card. */
#zumi-native-insurance#zumi-native-insurance .zni-examples .zni-example-card--important::before {
    background: var(--zni-orange) !important;
}

#zumi-native-insurance#zumi-native-insurance .zni-examples .zni-example-card--important .zni-example-card__label {
    background: #FFF1E8 !important;
    color: #E85E2A !important;
}

@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-example-grid {
        gap: 10px;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-example-card__media {
        aspect-ratio: auto !important;
        height: clamp(110px, 28vw, 160px) !important;
        margin: 9px 9px 0;
        border-radius: 6px;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-example-card__body {
        padding: 12px 13px 14px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-example-card__label {
        min-height: 22px;
        margin-bottom: 7px !important;
        padding: 4px 8px !important;
        font-size: 9.5px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-example-card h3 {
        font-size: 16.5px !important;
        line-height: 1.25 !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-example-card p {
        margin-top: 6px !important;
        font-size: 12.5px !important;
        line-height: 1.46 !important;
    }
}


/* ================================================================
   ZUMI INSURANCE DESERT PALETTE — v1.2.0
   One scoped, CSS-only skin. Existing content, breakpoints, imagery,
   interactive states, translations and page structure are retained.
   The homepage and global theme are not targeted by any selector.
   ================================================================ */
#zumi-native-insurance#zumi-native-insurance {
    --zni-orange: #E85E2A;
    --zni-orange-deep: #E85E2A;
    --zni-ink: #241D19;
    --zni-muted: #685A50;
    --zni-line: #E3D3C5;
    --zni-cream: #F5EFE6;
    --zni-warm: #F0E4D6;
    --zni-card: #FBF7F2;
    --zni-dark: #211916;
    --zni-shadow: 0 12px 32px rgba(63,39,24,.055);
    background: #F5EFE6;
    color: var(--zni-ink);
    font-family: Roboto, Arial, Helvetica, sans-serif;
}
#zumi-native-insurance#zumi-native-insurance .zni-page {
    background: transparent;
}
#zumi-native-insurance#zumi-native-insurance .zni-section:not(.zni-faq) {
    border-color: #E3D3C5;
    box-shadow: 0 6px 26px rgba(75,47,30,.045);
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head:not(.zni-section-head--faq) h2,
#zumi-native-insurance#zumi-native-insurance .zni-examples__head h2,
#zumi-native-insurance#zumi-native-insurance .zni-contract__content h2,
#zumi-native-insurance#zumi-native-insurance .zni-contact h2,
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner h2 {
    font-family: "Zumi Poppins", Poppins, Roboto, sans-serif !important;
    letter-spacing: -.018em !important;
    font-weight: 700;
    hyphens: none;
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head:not(.zni-section-head--faq) > p,
#zumi-native-insurance#zumi-native-insurance .zni-examples__head > p,
#zumi-native-insurance#zumi-native-insurance .zni-example-card p,
#zumi-native-insurance#zumi-native-insurance .zni-contract__content > p {
    color: #685A50;
}

/* Keep the current Hilux photograph/crop. Warm only its glass cards. */
#zumi-native-insurance#zumi-native-insurance .zni-hero {
    border-color: rgba(108,67,44,.26);
    background-color: #211713;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero::after,
#zumi-native-insurance#zumi-native-insurance .zni-contact::after {
    display: none !important; /* No giant concentric artwork obscuring images */
}
#zumi-native-insurance#zumi-native-insurance .zni-hero__copy > p {
    background: linear-gradient(120deg, rgba(30,21,16,.78), rgba(57,34,23,.59)) !important;
    border: 1px solid rgba(238,198,163,.26) !important;
    border-left-width: 1px !important;
    color: #FFF9F1 !important;
    box-shadow: 0 8px 24px rgba(27,14,7,.12) !important;
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
}
/* Important self-drive-only clarification: distinct warm amber advisory.
   Preserve the original wording, position, sizing and responsive flow. */
#zumi-native-insurance#zumi-native-insurance .zni-hero__copy > .zni-self-drive-note--hero {
    background: linear-gradient(115deg, rgba(89,53,30,.91), rgba(59,34,24,.85)) !important;
    border: 1px solid rgba(232,168,102,.58) !important;
    border-left: 4px solid #E4A34F !important;
    color: #FFF3E3;
    box-shadow: inset 0 1px 0 rgba(255,218,173,.09);
}
#zumi-native-insurance#zumi-native-insurance .zni-hero__copy > .zni-self-drive-note--hero strong {
    color: #FFD295;
    font-weight: 800;
}
#zumi-native-insurance#zumi-native-insurance .zni-pill {
    background: rgba(38,24,17,.40) !important;
    border-color: rgba(236,197,160,.23) !important;
    color: #F5EDE4 !important;
    backdrop-filter: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-insurer-card {
    border-color: rgba(232,201,172,.30);
    background: rgba(34,23,19,.81);
    box-shadow: 0 12px 28px rgba(16,10,7,.14);
    backdrop-filter: none;
}
#zumi-native-insurance#zumi-native-insurance .zni-insurer-card__top {
    background: rgba(34,22,17,.60);
}
#zumi-native-insurance#zumi-native-insurance .zni-insurer-card__top > span {
    color: #F1D7C4;
}
#zumi-native-insurance#zumi-native-insurance .zni-insurer-card__bottom {
    background: rgba(25,17,14,.95);
}

/* Emergency: an unobstructed, muted-red notice; no photograph. */
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner {
    border-color: #E9C5C1;
    border-left-color: #C62828;
    background: linear-gradient(110deg, #FFF7F5 0%, #FDEDE9 58%, #F8E3DE 100%);
    box-shadow: 0 10px 28px rgba(96,55,36,.07);
}
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner__icon {
    background: rgba(255,250,244,.94);
    border-color: rgba(198,40,40,.20);
}
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner__reference {
    background: rgba(255,248,241,.92);
    border-color: #ECCDBD;
    color: #49372D;
}

/* Coverage: alternating sunlit sand and pale stone surfaces. */
#zumi-native-insurance#zumi-native-insurance .zni-coverage {
    background: linear-gradient(146deg, #FBF7F2 0%, #F6EDE1 60%, #F8F1E8 100%);
}
#zumi-native-insurance#zumi-native-insurance .zni-coverage-head__notice {
    background: #F4EBE0 !important;
    color: #57493E !important;
    border-color: #E5D4C6 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-currency {
    background: #FFF9F2;
    border-color: #E5D4C6;
    box-shadow: 0 5px 16px rgba(81,52,32,.05);
}
#zumi-native-insurance#zumi-native-insurance .zni-currency button:not(.is-active) {
    color: #5B4B41;
    background: transparent;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab:not([data-zni-plan="zero"]) {
    background: #FFF9F3;
    border-color: #E1CEBE;
    box-shadow: 0 3px 10px rgba(63,39,24,.035);
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab:not([data-zni-plan="zero"]).is-active {
    background: #FDECE0;
    border-color: #E85E2A;
    box-shadow: inset 0 0 0 1px #E85E2A;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab:not([data-zni-plan="zero"]) .zni-plan-tab__icon {
    background: #F0E4D7;
}
/* Zero Excess retains its existing gold Recommended state and details. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel:not(#zni-panel-zero) {
    background: linear-gradient(150deg,#FFF9F2,#F4E8DB);
    border-color: #E1CDBA;
}
#zumi-native-insurance#zumi-native-insurance .zni-liability-card,
#zumi-native-insurance#zumi-native-insurance .zni-mini-facts > div {
    background: #FFFBF6;
    border-color: #E7D7C8;
}
#zumi-native-insurance#zumi-native-insurance .zni-addon-card {
    background:
        radial-gradient(circle at 90% 20%,rgba(232,94,42,.13),transparent 32%),
        linear-gradient(145deg,#251A15 0%,#39241C 100%) !important;
    border: 1px solid rgba(156,100,67,.32);
    box-shadow: 0 10px 25px rgba(51,29,18,.09);
}
#zumi-native-insurance#zumi-native-insurance .zni-addon-card::before {
    display: none !important;
}

/* Practical examples: warmer enclosure around the existing four photographs. */
#zumi-native-insurance#zumi-native-insurance .zni-examples {
    background: linear-gradient(135deg, #F3E7DA 0%, #F9F3EB 58%, #F1E1D1 100%) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-example-card {
    background: #FFF9F3 !important;
    border-color: #E1D0C1;
    box-shadow: 0 7px 17px rgba(75,44,26,.045);
}
#zumi-native-insurance#zumi-native-insurance .zni-example-card__media {
    border-color: #DCC8B6;
    background: #F3E5D5;
    box-shadow: 0 3px 9px rgba(81,50,29,.07);
}
#zumi-native-insurance#zumi-native-insurance .zni-example-card p {
    color: #65574D;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__intro-note,
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    background: #FBF5ED !important;
    color: #58483E;
    border-color: #E2CDBB !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule strong {
    color: #35271F;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule p {
    color: #6B594D;
}

/* FAQ: restore the pre-redesign line-based styling and spacing.
   Intentionally excluded from the sandy redesign rules. */
#zumi-native-insurance#zumi-native-insurance .zni-faq {
    --zni-line: #E9E4E0;
    --zni-ink: #171717;
    --zni-muted: #68635F;
    color: #171717;
}
/* Rental-contract CTA: the same ivory/peach tone used on the homepage. */
#zumi-native-insurance#zumi-native-insurance .zni-contract {
    background: #F7EDDF;
}
#zumi-native-insurance#zumi-native-insurance .zni-contract__card {
    background: linear-gradient(105deg,#FFF9F2 0%,#F7E6D7 75%,#F0D9C8 100%) !important;
    border: 1px solid #E2C9B5;
    box-shadow: 0 8px 22px rgba(79,48,27,.055);
}
#zumi-native-insurance#zumi-native-insurance .zni-contract__icon {
    background: #FCE6D6;
}

/* Bottom CTA: use the existing giraffe image with an editorial earth overlay. */
#zumi-native-insurance#zumi-native-insurance .zni-contact {
    background:
        linear-gradient(90deg,rgba(29,19,15,.91) 0%,rgba(38,24,18,.82) 37%,rgba(35,20,15,.61) 70%,rgba(32,18,14,.54) 100%),
        url("https://zumirentals.com/wp-content/uploads/2026/10/zumi_insurance_giraffe_sunset_banner.webp") center center / cover no-repeat !important;
    border: 1px solid rgba(139,90,63,.46);
}
#zumi-native-insurance#zumi-native-insurance .zni-contact__reassurance {
    background: rgba(47,29,21,.64);
    border-color: rgba(234,188,153,.23);
}
#zumi-native-insurance#zumi-native-insurance .zni-contact__copy > p {
    color: #E5D4C5;
}
/* Contact and WhatsApp remain the same dark, fixed-size secondary controls. */

@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-emergency-banner {
        background: linear-gradient(180deg, #FFF7F5 0%, #FDECE8 64%, #F8E2DE 100%);
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contact {
        background:
            linear-gradient(180deg,rgba(32,20,15,.90) 0%,rgba(38,24,17,.78) 53%,rgba(30,18,13,.72) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/10/zumi_insurance_giraffe_sunset_banner.webp") center center / cover no-repeat !important;
    }
}

/* v1.2.4 — Integrate Tyre & Windscreen guidance within every selected excess tier.
   The original standalone side card is no longer rendered. */
#zumi-native-insurance#zumi-native-insurance .zni-coverage-grid {
    display: block !important;
    grid-template-columns: minmax(0, 1fr) !important;
    width: 100%;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-stage {
    width: 100%;
    min-width: 0;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
    display: grid;
    grid-template-columns: 94px minmax(0, 1fr);
    gap: clamp(14px, 1.35vw, 24px);
    align-items: start;
    margin-top: clamp(21px, 1.9vw, 32px);
    padding: clamp(16px, 1.4vw, 23px);
    border: 1px solid #DCC5B1;
    border-left: 3px solid #E85E2A;
    border-radius: 4px;
    background: linear-gradient(115deg, #FFF9F3 0%, #F8EDE2 100%);
    box-shadow: 0 2px 10px rgba(76,49,27,.035);
    color: #30231C;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection--included {
    border-color: #DFBC76;
    border-left-color: #D18B21;
    background: linear-gradient(115deg, #FFF8E5 0%, #FFF0CB 100%);
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    display: grid;
    place-items: center;
    width: 94px;
    height: 94px;
    padding: 11px;
    border: 1px solid rgba(190,142,109,.38);
    border-radius: 4px;
    background: #291D18;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art img {
    display: block;
    width: 100%;
    height: 100%;
    max-width: 100%;
    object-fit: contain;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__content {
    min-width: 0;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__top {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 7px 10px;
    margin-bottom: 7px;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__eyebrow {
    font: 700 11px/1.35 Roboto, Arial, sans-serif;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: #B14F29;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection--included .zni-tier-protection__eyebrow {
    color: #986018;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection h4 {
    margin: 0 !important;
    font: 700 clamp(17px, 1.2vw, 22px)/1.25 Roboto, Arial, sans-serif !important;
    letter-spacing: -.015em;
    color: #2B211B;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__description {
    margin: 7px 0 0 !important;
    color: #5D4C40 !important;
    font: 400 clamp(12.5px, .83vw, 14.5px)/1.53 Roboto, Arial, sans-serif !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__note {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    margin: 11px 0 0 !important;
    padding-top: 10px;
    border-top: 1px solid rgba(116,80,53,.14);
    color: #685242 !important;
    font: 500 clamp(11.5px, .78vw, 13px)/1.5 Roboto, Arial, sans-serif !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__check {
    display: grid;
    place-items: center;
    flex: 0 0 19px;
    width: 19px;
    height: 19px;
    border-radius: 50%;
    background: rgba(232,94,42,.13);
    color: #E85E2A;
    font-size: 12px;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection--included .zni-tier-protection__check {
    color: #966313;
    background: rgba(209,139,33,.16);
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
        grid-template-columns: 50px minmax(0, 1fr);
        gap: 10px;
        padding: 12px;
        margin-top: 16px;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        width: 50px;
        height: 50px;
        padding: 7px;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__eyebrow {
        font-size: 9.5px;
        letter-spacing: .04em;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection h4 {
        font-size: clamp(14px, 3.9vw, 17px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__description {
        font-size: 12px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__note {
        font-size: 11.3px !important;
    }
}
@media (max-width: 350px) {
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
        grid-template-columns: minmax(0, 1fr);
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        width: 46px;
        height: 46px;
    }
}

/* v1.2.5: one excess amount heading, one integrated coverage explanation, no trailing blank height. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel {
    height: auto !important;
    min-height: 0 !important;
    align-self: start;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-stage {
    align-self: start;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art-fallback {
    filter: invert(1);
}
#zumi-native-insurance#zumi-native-insurance .zni-terms--inside {
    display: block;
    margin: 13px 0 0;
    padding: 11px 0 0;
    border-top: 1px solid rgba(126,93,66,.17);
    color: #695A4D;
    font: 400 clamp(11px, .78vw, 12px)/1.5 Roboto, Arial, sans-serif;
}


/* v1.2.6 — typography and coverage header refinement. The informational
   card between the heading and currency selector was removed from the
   template; balance the remaining two header columns without empty tracks. */
@media (min-width: 1201px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns: minmax(0, 1fr) minmax(300px, 410px) !important;
        align-items: center !important;
        gap: clamp(22px, 3vw, 48px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-coverage-head__title {
        grid-column: 1 !important;
        grid-row: 1 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-currency-wrap {
        grid-column: 2 !important;
        grid-row: 1 !important;
        justify-self: end !important;
        align-self: center !important;
        width: 100% !important;
        max-width: 410px !important;
    }
}
@media (max-width: 1200px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage {
        grid-template-columns: minmax(0, 1fr) !important;
        gap: 17px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-coverage-head__title,
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage > .zni-currency-wrap {
        grid-column: 1 !important;
        grid-row: auto !important;
        width: 100% !important;
        max-width: 100% !important;
        justify-self: stretch !important;
    }
}
/* Prices inside the three option cards should be as prominent as the title. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab__liability {
    font-family: Roboto, Arial, sans-serif;
    font-size: clamp(16px, 1.15vw, 20px) !important;
    font-weight: 800 !important;
    line-height: 1.15;
    letter-spacing: -.015em;
    font-variant-numeric: tabular-nums;
}
/* The large selected-excess heading should not overpower the option cards. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel h3 {
    font-size: clamp(34px, 2.8vw, 50px) !important;
    line-height: 1.07 !important;
    letter-spacing: -.035em !important;
}
@media (max-width: 900px) {
    #zumi-native-insurance#zumi-native-insurance .zni-plan-panel h3 {
        font-size: clamp(29px, 5vw, 39px) !important;
    }
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-plan-tab__liability {
        font-size: clamp(13px, 3.75vw, 16px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-plan-panel h3 {
        font-size: clamp(26px, 8vw, 34px) !important;
    }
}


/* v1.2.7 — Focused spacing refinements throughout the Insurance page.
   Replace wide empty gutters at every viewport, without changing content,
   selection behaviour, other pages, or the restored FAQ presentation. */
#zumi-native-insurance#zumi-native-insurance .zni-page {
    row-gap: 8px !important;
}

/* Close up the coverage currency-to-guidance gap on all screen sizes. */
#zumi-native-insurance#zumi-native-insurance .zni-section-head--coverage {
    margin-bottom: 12px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-fx-note {
    min-height: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-instruction {
    margin-bottom: 12px !important;
}

/* Bring the examples introduction closer to its companion explanation
   and the card grid, without visually merging the two notices. */
#zumi-native-insurance#zumi-native-insurance .zni-examples__head {
    margin-bottom: 16px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__intro-note {
    position: relative;
    top: 6px;
    margin: 0 !important;
    background: #EFF5FA !important;
    border-color: #CAD9E6 !important;
    color: #445C6D !important;
    box-shadow: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__intro-note::before {
    background: #FFFFFF;
    border-color: #B3C7D6;
    color: #637F92;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    margin-bottom: 11px !important;
}
@media (max-width: 700px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        gap: 11px !important;
        margin-bottom: 16px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__intro-note {
        top: 5px;
    }
}


/* ============================================================
   v1.2.8 — REFINED RESPONSIVE INSURANCE HERO
   Visual-only implementation of the approved desktop/tablet/mobile mockup.
   English/German/Russian continue to use the existing PHP strings.
   The supplied sunset Hilux photograph remains unchanged.
   Scoped exclusively to the Insurance hero.
   ============================================================ */
#zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
    display: grid !important;
    grid-template-columns: minmax(0, 59%) minmax(0, 41%) !important;
    grid-template-rows: 1fr !important;
    align-items: stretch !important;
    min-height: 590px !important;
    height: auto !important;
    overflow: hidden !important;
    isolation: isolate;
    border-radius: 4px !important;
    border: 1px solid rgba(244,218,193,.22) !important;
    background-image:
        linear-gradient(90deg,rgba(21,13,11,.96) 0%,rgba(22,14,11,.90) 23%,rgba(24,15,12,.70) 43%,rgba(24,15,12,.26) 69%,rgba(24,15,12,.07) 100%),
        linear-gradient(0deg,rgba(17,11,9,.24) 0%,rgba(17,11,9,.01) 38%,rgba(17,11,9,.04) 100%),
        url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
    background-size: cover, cover, cover !important;
    background-position: center, center, 64% 57% !important;
    background-repeat: no-repeat !important;
    background-color: #211713 !important;
    box-shadow: 0 12px 34px rgba(35,22,14,.12) !important;
}
/* Remove all preexisting rings and the diagonal orange slash. */
#zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined::before,
#zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined::after {
    content: none !important;
    display: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy {
    display: flex !important;
    flex-direction: column !important;
    justify-content: center !important;
    position: relative !important;
    grid-column: 1 !important;
    grid-row: 1 !important;
    z-index: 2 !important;
    width: 100% !important;
    max-width: 100% !important;
    min-width: 0 !important;
    align-self: center !important;
    padding: clamp(34px,3vw,58px) clamp(22px,2.8vw,56px) !important;
    margin: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-eyebrow {
    color: #F36A3B !important;
    font: 700 clamp(10px,.72vw,13px)/1.35 Roboto,Arial,sans-serif !important;
    letter-spacing: .12em !important;
    text-transform: uppercase !important;
    margin: 0 0 clamp(13px,1vw,20px) !important;
    hyphens: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-eyebrow::before {
    width: 26px !important;
    height: 2px !important;
    box-shadow: none !important;
    background: #E6532F !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1 {
    width: 100% !important;
    max-width: 780px !important;
    margin: 0 !important;
    color: #FFF9F4 !important;
    font-family: "Zumi Poppins", Poppins, Roboto, Arial, sans-serif !important;
    font-size: clamp(36px,3.22vw,65px) !important;
    font-weight: 700 !important;
    line-height: 1.07 !important;
    letter-spacing: -.038em !important;
    text-shadow: 0 3px 15px rgba(0,0,0,.15) !important;
    white-space: normal !important;
    overflow-wrap: normal !important;
    word-break: normal !important;
    hyphens: none !important;
    text-wrap: pretty;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1::after {
    width: clamp(70px,5vw,102px) !important;
    height: 4px !important;
    margin: clamp(16px,1.1vw,22px) 0 0 !important;
    border-radius: 4px !important;
    box-shadow: none !important;
    background: linear-gradient(90deg,#E6532F,#E7A132) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p {
    width: 100% !important;
    max-width: 745px !important;
    margin: clamp(15px,1.2vw,22px) 0 0 !important;
    padding: clamp(14px,1.05vw,20px) clamp(15px,1.2vw,23px) !important;
    color: #F8EEE5 !important;
    background: rgba(35,25,20,.69) !important;
    border: 1px solid rgba(232,201,180,.21) !important;
    border-radius: 4px !important;
    box-shadow: none !important;
    font: 500 clamp(13px,.85vw,16px)/1.57 Roboto,Arial,sans-serif !important;
    text-shadow: none !important;
    -webkit-backdrop-filter: none !important;
    backdrop-filter: none !important;
    hyphens: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p::before {
    display: none !important;
    content: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero {
    position: relative !important;
    display: block !important;
    width: 100% !important;
    max-width: 745px !important;
    margin: 9px 0 0 !important;
    padding: 12px 16px 12px 51px !important;
    background: rgba(77,43,27,.82) !important;
    border: 1px solid rgba(233,145,84,.62) !important;
    border-left: 1px solid rgba(233,145,84,.62) !important;
    border-radius: 4px !important;
    box-shadow: none !important;
    color: #F7E9D9 !important;
    font: 400 clamp(12px,.73vw,14px)/1.5 Roboto,Arial,sans-serif !important;
    hyphens: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero::before {
    content: 'i' !important;
    position: absolute;
    top: 50%; left: 15px;
    transform: translateY(-50%);
    display: grid;
    place-items: center;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #E6532F;
    color: #251610;
    font: 800 14px/1 Roboto,Arial,sans-serif;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero strong {
    color: #FFCCA4 !important;
    font-weight: 700 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill-row {
    width: 100% !important;
    max-width: 745px !important;
    display: grid !important;
    grid-template-columns: repeat(3,minmax(0,1fr)) !important;
    gap: 8px !important;
    margin: 12px 0 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill {
    display: flex !important;
    align-items: center !important;
    justify-content: flex-start !important;
    width: 100% !important;
    min-width: 0 !important;
    min-height: 52px !important;
    padding: 10px 11px !important;
    gap: 10px !important;
    background: rgba(33,24,20,.76) !important;
    border: 1px solid rgba(255,215,186,.22) !important;
    border-radius: 4px !important;
    color: #FFF4EC !important;
    font: 600 clamp(10px,.66vw,12px)/1.35 Roboto,Arial,sans-serif !important;
    box-shadow: none !important;
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
    hyphens: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill > span {
    min-width: 0;
    white-space: normal;
    overflow-wrap: normal;
    word-break: normal;
    hyphens: none;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill svg {
    flex: 0 0 22px !important;
    width: 22px !important;
    height: 22px !important;
    color: #E6532F !important;
    stroke: currentColor;
    stroke-width: 1.8px;
    fill: none;
    filter: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
    position: relative !important;
    grid-column: 2 !important;
    grid-row: 1 !important;
    align-self: end !important;
    justify-content: flex-end !important;
    align-items: flex-end !important;
    z-index: 3 !important;
    display: flex !important;
    width: 100% !important;
    max-width: 100% !important;
    padding: 0 clamp(18px,2.4vw,44px) clamp(22px,2.2vw,42px) 0 !important;
    margin: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
    display: grid !important;
    grid-template-columns: minmax(140px,.83fr) minmax(0,1.17fr) !important;
    align-items: stretch !important;
    width: min(100%,475px) !important;
    max-width: 475px !important;
    min-width: 0 !important;
    min-height: 88px !important;
    height: auto !important;
    margin: 0 !important;
    border: 1px solid rgba(242,213,191,.32) !important;
    border-radius: 4px !important;
    background: rgba(28,19,16,.91) !important;
    box-shadow: 0 8px 22px rgba(0,0,0,.17) !important;
    backdrop-filter: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top {
    min-width: 0 !important;
    padding: 13px 15px !important;
    background: transparent !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top > span {
    color: #C9B1A1 !important;
    font-size: 9px !important;
    line-height: 1.2 !important;
    letter-spacing: .1em !important;
    hyphens: none;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top img {
    display: block !important;
    width: min(100%,172px) !important;
    max-width: 172px !important;
    max-height: 52px !important;
    height: auto !important;
    object-fit: contain !important;
    object-position: left center !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
    display: grid !important;
    grid-template-columns: 30px minmax(0,1fr) !important;
    gap: 9px !important;
    align-items: center !important;
    min-width: 0 !important;
    padding: 13px 13px !important;
    border-left: 1px solid rgba(245,213,188,.19) !important;
    background: transparent !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom .zni-icon-badge {
    width: 30px !important;
    height: 30px !important;
    color: #E6532F !important;
    background: rgba(230,83,47,.12) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom strong {
    color: #FFF8F0 !important;
    font: 700 clamp(11px,.7vw,14px)/1.32 Roboto,Arial,sans-serif !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom p {
    margin: 3px 0 0 !important;
    color: #CDBEB3 !important;
    font: 400 clamp(9px,.55vw,11px)/1.4 Roboto,Arial,sans-serif !important;
}
/* Balanced title sizing for the long Russian and German copies. */
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1 {
    font-size: clamp(35px,2.87vw,57px) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="de"] h1 {
    font-size: clamp(36px,3.10vw,62px) !important;
}
@media (min-width: 1200px) and (max-width: 1500px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
        grid-template-columns: minmax(0,63%) minmax(0,37%) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1 {
        font-size: clamp(37px,3.3vw,49px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1 {
        font-size: clamp(33px,3vw,45px) !important;
    }
}
/* Tablet and compact desktop: left-hand story with the vehicle on the right.
   Hollard is anchored with the content rather than floating over the vehicle. */
@media (max-width: 1199px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
        display: flex !important;
        flex-direction: column !important;
        align-items: flex-start !important;
        justify-content: flex-start !important;
        min-height: 0 !important;
        background-position: center,center,69% center !important;
        background-image:
           linear-gradient(90deg,rgba(20,13,10,.97) 0%,rgba(20,13,10,.88) 42%,rgba(20,13,10,.30) 77%,rgba(20,13,10,.13) 100%),
           linear-gradient(0deg,rgba(16,10,8,.33) 0%,transparent 72%),
           url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy {
        align-self: flex-start !important;
        width: min(100%,690px) !important;
        max-width: 690px !important;
        padding: 32px clamp(20px,3.1vw,44px) 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1 {
        font-size: clamp(34px,4.4vw,49px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1 {
        font-size: clamp(32px,4vw,44px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill-row {
        grid-template-columns: repeat(3,minmax(0,1fr)) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        align-self: flex-start !important;
        width: min(100%,690px) !important;
        padding: 8px clamp(20px,3.1vw,44px) 28px !important;
        justify-content: flex-start !important;
        align-items: stretch !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        width: 100% !important;
        max-width: 590px !important;
    }
}
@media (max-width: 800px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
        background-position: center,center,64% center !important;
        background-image:
          linear-gradient(90deg,rgba(19,13,11,.93),rgba(19,13,11,.72) 55%,rgba(19,13,11,.38)),
          linear-gradient(0deg,rgba(17,11,9,.42),rgba(17,11,9,.08)),
          url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy {
        width: 100% !important;
        max-width: 100% !important;
        padding: 28px 22px 6px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1 {
        font-size: clamp(29px,5.5vw,42px) !important;
        line-height: 1.12 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        width: 100% !important;
        max-width: 100% !important;
        padding: 8px 22px 24px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill-row {
        grid-template-columns: repeat(3,minmax(0,1fr)) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill {
        font-size: 11px !important;
    }
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
        display: flex !important;
        flex-direction: column !important;
        min-height: 0 !important;
        padding: 0 !important;
        background-position: center,center,61% center !important;
        background-image:
           linear-gradient(180deg,rgba(22,14,12,.45) 0%,rgba(22,14,12,.81) 26%,rgba(22,14,12,.95) 65%,rgba(22,14,12,.97) 100%),
           linear-gradient(90deg,rgba(21,13,11,.68),rgba(21,13,11,.40)),
           url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy {
        padding: 24px 16px 5px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-eyebrow {
        font-size: 9.5px !important;
        letter-spacing: .065em !important;
        margin-bottom: 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="de"] h1 {
        font-size: clamp(27px,7.9vw,35px) !important;
        line-height: 1.10 !important;
        letter-spacing: -.028em !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1::after {
        width: 70px !important;
        height: 3px !important;
        margin-top: 12px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p {
        padding: 12px 13px !important;
        margin-top: 13px !important;
        font-size: 12.5px !important;
        line-height: 1.50 !important;
        font-weight: 500 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero {
        padding: 11px 12px 11px 43px !important;
        margin-top: 8px !important;
        font-size: 11.4px !important;
        line-height: 1.47 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero::before {
        left: 12px;
        width: 20px;
        height: 20px;
        font-size: 12px;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill-row {
        grid-template-columns: minmax(0,1fr) !important;
        gap: 6px !important;
        margin-top: 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill {
        min-height: 37px !important;
        padding: 7px 11px !important;
        gap: 9px !important;
        font-size: 11.5px !important;
        line-height: 1.35 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill svg {
        flex-basis: 18px !important;
        width: 18px !important;
        height: 18px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        padding: 7px 16px 18px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        grid-template-columns: minmax(100px,.68fr) minmax(0,1.32fr) !important;
        max-width: 100% !important;
        min-height: 82px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top {
        padding: 12px 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top img {
        max-height: 39px !important;
        width: min(100%,132px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        grid-template-columns: 23px minmax(0,1fr) !important;
        gap: 7px !important;
        padding: 9px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom .zni-icon-badge {
        width: 23px !important;
        height: 23px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom strong {
        font-size: 10.8px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom p {
        font-size: 9.5px !important;
    }
}
@media (max-width: 350px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="de"] h1 {
        font-size: 26px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy {
        padding-left: 12px !important;
        padding-right: 12px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        padding-left: 12px !important;
        padding-right: 12px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        grid-template-columns: minmax(0,1fr) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        border-left: none !important;
        border-top: 1px solid rgba(245,213,188,.19) !important;
    }
}


/* ============================================================
   v1.2.9 — MOBILE HERO REDESIGN
   Rebuild the phone layout so the Hilux background remains visible.
   Cards become lighter and more integrated, with a clearer photo window
   and tighter but still readable responsive typography in EN/DE/RU.
   ============================================================ */
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
        position: relative !important;
        display: flex !important;
        flex-direction: column !important;
        align-items: stretch !important;
        justify-content: flex-start !important;
        min-height: 0 !important;
        padding: 0 !important;
        background-image:
            linear-gradient(180deg, rgba(18,12,10,.14) 0%, rgba(18,12,10,.28) 19%, rgba(18,12,10,.52) 39%, rgba(18,12,10,.76) 58%, rgba(18,12,10,.91) 76%, rgba(18,12,10,.96) 100%),
            linear-gradient(90deg, rgba(20,13,11,.68) 0%, rgba(20,13,11,.28) 42%, rgba(20,13,11,.16) 70%, rgba(20,13,11,.34) 100%),
            url("https://zumirentals.com/wp-content/uploads/2026/09/zumi-sunset-hilux-banner.webp") !important;
        background-size: cover, cover, cover !important;
        background-position: center top, center top, 67% 13% !important;
        background-repeat: no-repeat !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy {
        width: 100% !important;
        max-width: 100% !important;
        padding: 18px 14px 0 !important;
        justify-content: flex-start !important;
        align-self: stretch !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-eyebrow {
        font-size: 10px !important;
        letter-spacing: .085em !important;
        margin-bottom: 10px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1 {
        max-width: 305px !important;
        font-size: clamp(28px, 8.1vw, 36px) !important;
        line-height: 1.08 !important;
        letter-spacing: -.03em !important;
        text-shadow: 0 4px 18px rgba(0,0,0,.24) !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="de"] h1 {
        max-width: 330px !important;
        font-size: clamp(26px, 7.25vw, 33px) !important;
        line-height: 1.08 !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1 {
        max-width: 325px !important;
        font-size: clamp(27px, 7.55vw, 34px) !important;
        line-height: 1.08 !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1::after {
        width: 64px !important;
        height: 3px !important;
        margin-top: 10px !important;
    }

    /* Start the content cards lower so the Hilux photo remains readable. */
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p {
        width: calc(100% - 26px) !important;
        max-width: none !important;
        margin: clamp(72px, 16vw, 102px) auto 0 0 !important;
        padding: 12px 13px !important;
        background: linear-gradient(180deg, rgba(30,20,17,.60), rgba(30,20,17,.72)) !important;
        border: 1px solid rgba(246,221,202,.16) !important;
        box-shadow: 0 10px 22px rgba(0,0,0,.16) !important;
        -webkit-backdrop-filter: blur(8px) saturate(115%) !important;
        backdrop-filter: blur(8px) saturate(115%) !important;
        font-size: 12.45px !important;
        line-height: 1.52 !important;
        font-weight: 500 !important;
        color: #FAF0E7 !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero {
        width: calc(100% - 26px) !important;
        max-width: none !important;
        margin: 9px auto 0 0 !important;
        padding: 11px 12px 11px 43px !important;
        background: linear-gradient(180deg, rgba(90,49,31,.64), rgba(79,43,28,.76)) !important;
        border: 1px solid rgba(236,156,103,.48) !important;
        box-shadow: 0 10px 20px rgba(0,0,0,.14) !important;
        -webkit-backdrop-filter: blur(7px) saturate(112%) !important;
        backdrop-filter: blur(7px) saturate(112%) !important;
        font-size: 11.45px !important;
        line-height: 1.48 !important;
        color: #F8ECDD !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero::before {
        left: 12px !important;
        width: 20px !important;
        height: 20px !important;
        font-size: 12px !important;
        box-shadow: 0 4px 10px rgba(0,0,0,.14) !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill-row {
        width: calc(100% - 26px) !important;
        max-width: none !important;
        grid-template-columns: minmax(0,1fr) !important;
        gap: 7px !important;
        margin: 10px auto 0 0 !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill {
        min-height: 42px !important;
        padding: 9px 12px !important;
        gap: 10px !important;
        background: linear-gradient(180deg, rgba(28,19,16,.50), rgba(28,19,16,.62)) !important;
        border: 1px solid rgba(245,219,196,.15) !important;
        box-shadow: 0 8px 18px rgba(0,0,0,.12) !important;
        -webkit-backdrop-filter: blur(8px) saturate(112%) !important;
        backdrop-filter: blur(8px) saturate(112%) !important;
        font-size: 11.45px !important;
        line-height: 1.35 !important;
        color: #FFF4EA !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill svg {
        flex-basis: 19px !important;
        width: 19px !important;
        height: 19px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        width: 100% !important;
        max-width: 100% !important;
        padding: 10px 14px 16px !important;
        justify-content: flex-start !important;
        align-items: stretch !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        width: calc(100% - 26px) !important;
        max-width: none !important;
        min-height: 86px !important;
        margin: 0 auto 0 0 !important;
        background: linear-gradient(180deg, rgba(26,17,14,.68), rgba(26,17,14,.80)) !important;
        border: 1px solid rgba(244,218,194,.18) !important;
        box-shadow: 0 10px 22px rgba(0,0,0,.16) !important;
        -webkit-backdrop-filter: blur(9px) saturate(115%) !important;
        backdrop-filter: blur(9px) saturate(115%) !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top {
        padding: 12px 11px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top > span {
        font-size: 8.7px !important;
        letter-spacing: .09em !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top img {
        max-height: 42px !important;
        width: min(100%, 140px) !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        grid-template-columns: 24px minmax(0,1fr) !important;
        gap: 8px !important;
        padding: 10px !important;
        border-left: 1px solid rgba(245,213,188,.17) !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom .zni-icon-badge {
        width: 24px !important;
        height: 24px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom strong {
        font-size: 11px !important;
        line-height: 1.3 !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom p {
        margin-top: 2px !important;
        font-size: 9.8px !important;
        line-height: 1.38 !important;
    }
}

@media (max-width: 420px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-self-drive-note--hero,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-pill-row,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        width: calc(100% - 18px) !important;
    }
}

@media (max-width: 350px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined h1 {
        max-width: 270px !important;
        font-size: 25px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="de"] h1,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined[data-zni-language="ru"] h1 {
        max-width: 280px !important;
        font-size: 24px !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        grid-template-columns: minmax(0,1fr) !important;
    }

    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        border-left: none !important;
        border-top: 1px solid rgba(245,213,188,.17) !important;
    }
}


/* v1.2.10: Hero no longer displays the separate self-drive notice.
   Keep its guided-trip distinction as plain supporting copy by the excess selector. */
#zumi-native-insurance .zni-coverage .zni-coverage-scope {
    margin: -4px 0 16px;
    max-width: 890px;
    padding: 0;
    color: #766C65;
    font: 400 13px/1.55 Roboto, Arial, sans-serif;
    background: none;
    border: 0;
    box-shadow: none;
    hyphens: none;
}
@media (max-width: 700px) {
    #zumi-native-insurance .zni-coverage .zni-coverage-scope {
        font-size: 12px;
        line-height: 1.5;
        margin-bottom: 12px;
    }
}


/* v1.2.11 — Streamlined hero: three benefit cards removed from markup.
   Keep the Hollard trust signature compact and anchored to the
   banner's lower-right corner on tablets and desktops. */
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
    display: inline-flex !important;
    grid-template-columns: none !important;
    align-items: stretch !important;
    flex-wrap: nowrap !important;
    width: fit-content !important;
    max-width: 100% !important;
    min-height: 0 !important;
    flex: 0 1 auto !important;
    align-self: flex-end !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top {
    flex: 0 0 auto !important;
    width: auto !important;
    max-width: min(37vw, 175px) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
    display: flex !important;
    grid-template-columns: none !important;
    flex: 0 1 auto !important;
    align-items: center !important;
    width: fit-content !important;
    min-width: 0 !important;
    max-width: 275px !important;
    gap: 9px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom > div {
    width: fit-content !important;
    min-width: 0 !important;
    max-width: 100% !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom .zni-icon-badge {
    flex: 0 0 27px !important;
}
@media (min-width: 1200px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        align-self: end !important;
        justify-content: flex-end !important;
        align-items: flex-end !important;
        padding: 0 clamp(16px, 2.4vw, 42px) 23px 0 !important;
    }
}
@media (min-width: 621px) and (max-width: 1199px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        width: 100% !important;
        max-width: 100% !important;
        align-self: stretch !important;
        justify-content: flex-end !important;
        align-items: flex-end !important;
        padding: 10px clamp(18px, 3vw, 38px) 22px !important;
    }
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        width: 100% !important;
        max-width: 100% !important;
        align-self: stretch !important;
        justify-content: flex-end !important;
        align-items: flex-end !important;
        padding: 13px 14px 18px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        width: fit-content !important;
        max-width: 100% !important;
        min-height: 0 !important;
        margin: 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top {
        max-width: min(32vw, 150px) !important;
        padding: 11px 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        max-width: min(58vw, 275px) !important;
        padding: 10px !important;
        gap: 7px !important;
    }
}
@media (max-width: 350px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        flex-direction: column !important;
        width: fit-content !important;
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__top,
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom {
        border-left: 0 !important;
        border-top: 1px solid rgba(245, 213, 188, .19) !important;
    }
}


/* v1.2.12 — Simple checkmark benefits, not cards. Keep the existing
   Insurance hero design intact; change only the checklist styling and
   mobile placement of the Hollard signature. */
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
    display: flex !important;
    flex-wrap: wrap !important;
    align-items: center !important;
    gap: 9px 18px !important;
    width: 100% !important;
    max-width: 745px !important;
    margin: 14px 0 0 !important;
    padding: 0 !important;
    list-style: none !important;
    background: none !important;
    border: 0 !important;
    box-shadow: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
    display: inline-flex !important;
    align-items: center !important;
    gap: 6px !important;
    min-height: 22px !important;
    min-width: 0 !important;
    margin: 0 !important;
    padding: 0 !important;
    border: 0 !important;
    background: none !important;
    box-shadow: none !important;
    color: rgba(255, 244, 234, .92) !important;
    font: 500 clamp(10px, .72vw, 12px)/1.35 Roboto, Arial, sans-serif !important;
    letter-spacing: 0 !important;
    hyphens: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon {
    display: inline-flex !important;
    align-items: center !important;
    justify-content: center !important;
    flex: 0 0 15px !important;
    width: 15px !important;
    height: 15px !important;
    color: #EF663F !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon svg {
    display: block !important;
    width: 15px !important;
    height: 15px !important;
    fill: none !important;
    stroke: currentColor !important;
    stroke-width: 2.4 !important;
    stroke-linecap: round !important;
    stroke-linejoin: round !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        flex-direction: column !important;
        align-items: flex-start !important;
        gap: 6px !important;
        width: calc(100% - 26px) !important;
        max-width: none !important;
        margin: 12px 0 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        font-size: 11.5px !important;
        min-height: 19px !important;
        line-height: 1.35 !important;
    }
    /* Mobile only: align the compact Hollard and clear-cover signature left. */
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__rail {
        justify-content: flex-start !important;
        align-items: flex-start !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card {
        align-self: flex-start !important;
        margin: 0 auto 0 0 !important;
    }
}
@media (max-width: 420px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        width: calc(100% - 18px) !important;
    }
}


/* v1.2.13 — unboxed insurer shield + one-line mobile checklist */
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom .zni-icon-badge {
    display: inline-flex !important;
    align-items: center !important;
    justify-content: center !important;
    flex: 0 0 auto !important;
    width: auto !important;
    height: auto !important;
    min-width: 0 !important;
    min-height: 0 !important;
    padding: 0 !important;
    border: 0 !important;
    border-radius: 0 !important;
    background: transparent !important;
    box-shadow: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-insurer-card__bottom .zni-icon-badge svg {
    display: block !important;
    width: 22px !important;
    height: 22px !important;
}

@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        flex-direction: column !important;
        align-items: flex-start !important;
        gap: 7px !important;
        width: calc(100% - 26px) !important;
        max-width: none !important;
        margin: 12px 0 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        display: flex !important;
        align-items: center !important;
        gap: 7px !important;
        width: 100% !important;
        flex-wrap: nowrap !important;
        white-space: nowrap !important;
        font-size: 10.8px !important;
        min-height: 18px !important;
        line-height: 1.2 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li > span:last-child {
        display: block !important;
        flex: 1 1 auto !important;
        min-width: 0 !important;
        overflow: hidden !important;
        text-overflow: clip !important;
        white-space: nowrap !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon {
        flex: 0 0 14px !important;
        width: 14px !important;
        height: 14px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon svg {
        width: 14px !important;
        height: 14px !important;
    }
}

@media (max-width: 420px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        width: calc(100% - 18px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        font-size: 10.1px !important;
        gap: 6px !important;
    }
}

@media (max-width: 350px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        font-size: 9.6px !important;
    }
}


/* v1.2.14 — Ghost addon icon, tighter Practical Examples / FAQ spacing,
   inline section helper text, and compact light-blue FAQ guidance note. */

/* Tyre & Windscreen Protection: use the icon as a ghosted background element
   instead of a foreground tile beside the text. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
    position: relative !important;
    display: block !important;
    overflow: hidden !important;
    padding: clamp(18px, 1.55vw, 24px) !important;
    min-height: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    position: absolute !important;
    top: 18px !important;
    right: 20px !important;
    display: block !important;
    width: clamp(98px, 8.5vw, 126px) !important;
    height: clamp(98px, 8.5vw, 126px) !important;
    padding: 0 !important;
    border: 0 !important;
    border-radius: 0 !important;
    background: transparent !important;
    box-shadow: none !important;
    opacity: .10 !important;
    pointer-events: none !important;
    z-index: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art img {
    width: 100% !important;
    height: 100% !important;
    object-fit: contain !important;
    filter: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__content {
    position: relative !important;
    z-index: 1 !important;
    width: 100% !important;
    max-width: min(100%, 760px) !important;
    padding-right: clamp(10px, 8vw, 138px) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__top {
    margin-bottom: 5px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection h4 {
    max-width: 24ch !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__description {
    max-width: 65ch !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__note {
    max-width: 62ch !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
        padding: 14px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        top: 14px !important;
        right: 14px !important;
        width: 70px !important;
        height: 70px !important;
        opacity: .09 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__content {
        padding-right: 32px !important;
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection h4,
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__description,
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__note {
        max-width: 100% !important;
    }
}

/* Practical Examples: convert the blue box into a simple line of helper copy
   directly under the title and tighten the heading-to-content spacing. */
#zumi-native-insurance#zumi-native-insurance .zni-examples {
    padding-top: clamp(26px, 2.1vw, 36px) !important;
    padding-bottom: clamp(18px, 1.7vw, 28px) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__head {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) !important;
    gap: 8px !important;
    align-items: start !important;
    margin-bottom: 10px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__head > div {
    max-width: 860px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__intro-note {
    position: static !important;
    display: block !important;
    width: auto !important;
    max-width: 860px !important;
    margin: -2px 0 0 !important;
    padding: 0 !important;
    border: 0 !important;
    border-radius: 0 !important;
    background: transparent !important;
    box-shadow: none !important;
    color: #6E6156 !important;
    font: 400 clamp(13px, .92vw, 15px)/1.55 Roboto, Arial, sans-serif !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__intro-note::before {
    content: none !important;
    display: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    margin-bottom: 8px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__footer {
    margin-top: 10px !important;
}
@media (max-width: 700px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples {
        padding-top: 22px !important;
        padding-bottom: 16px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        gap: 6px !important;
        margin-bottom: 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__intro-note {
        font-size: 12.6px !important;
        line-height: 1.5 !important;
    }
}

/* FAQ section: reduce the large vertical gap above it and make the helper note
   a compact light-blue pill that is only as wide as its content. */
#zumi-native-insurance#zumi-native-insurance .zni-faq {
    padding-top: clamp(26px, 2vw, 38px) !important;
    margin-top: 6px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) !important;
    gap: 12px !important;
    align-items: start !important;
    margin-bottom: 12px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-faq__intro-note,
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
    position: static !important;
    display: inline-flex !important;
    align-items: center !important;
    gap: 10px !important;
    width: fit-content !important;
    max-width: min(100%, 640px) !important;
    margin: 0 !important;
    padding: 10px 14px !important;
    border: 1px solid #C6D8E5 !important;
    border-radius: 4px !important;
    background: #EEF5FA !important;
    color: #496272 !important;
    box-shadow: none !important;
    font: 400 clamp(13px, .9vw, 15px)/1.45 Roboto, Arial, sans-serif !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-faq__intro-note::before,
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note::before {
    width: 18px !important;
    height: 18px !important;
    margin: 0 !important;
    flex: 0 0 18px !important;
    background: #FFFFFF !important;
    border: 1px solid #B8CDDB !important;
    color: #7090A3 !important;
}
@media (min-width: 1200px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > div {
        max-width: 920px !important;
    }
}
@media (max-width: 700px) {
    #zumi-native-insurance#zumi-native-insurance .zni-faq {
        padding-top: 22px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        gap: 9px !important;
        margin-bottom: 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-faq__intro-note,
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        max-width: 100% !important;
        padding: 9px 12px !important;
        font-size: 12.6px !important;
    }
}


/* v1.2.15 — Mobile insurance hero checklist on one row */
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        display: flex !important;
        flex-direction: row !important;
        flex-wrap: nowrap !important;
        align-items: center !important;
        justify-content: flex-start !important;
        gap: 10px !important;
        width: 100% !important;
        max-width: 100% !important;
        margin: 12px 0 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        display: inline-flex !important;
        align-items: center !important;
        gap: 5px !important;
        width: auto !important;
        flex: 0 1 auto !important;
        min-width: 0 !important;
        white-space: nowrap !important;
        font-size: 9.4px !important;
        line-height: 1.1 !important;
        min-height: 14px !important;
        letter-spacing: -.01em !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li > span:last-child {
        flex: 0 1 auto !important;
        min-width: 0 !important;
        white-space: nowrap !important;
        overflow: visible !important;
        text-overflow: clip !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon {
        flex: 0 0 11px !important;
        width: 11px !important;
        height: 11px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon svg {
        width: 11px !important;
        height: 11px !important;
    }
}
@media (max-width: 420px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        gap: 8px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        gap: 4px !important;
        font-size: 8.5px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon {
        flex-basis: 10px !important;
        width: 10px !important;
        height: 10px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks__icon svg {
        width: 10px !important;
        height: 10px !important;
    }
}
@media (max-width: 350px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks {
        gap: 6px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero-checks li {
        font-size: 7.8px !important;
    }
}


/* v1.2.16 — Restore the FAQ helper to its original header position.
   Keep the updated compact light-blue treatment. */
@media (min-width: 901px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        grid-template-columns: minmax(0, 1fr) minmax(280px, .65fr) !important;
        gap: clamp(28px, 4vw, 80px) !important;
        align-items: end !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > div {
        grid-column: 1 !important;
        grid-row: 1 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-faq__intro-note {
        grid-column: 2 !important;
        grid-row: 1 !important;
        justify-self: end !important;
        align-self: end !important;
    }
}
@media (max-width: 900px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        grid-template-columns: minmax(0, 1fr) !important;
        align-items: start !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-faq__intro-note {
        grid-column: 1 !important;
        grid-row: auto !important;
        justify-self: start !important;
        align-self: start !important;
    }
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
    position: relative !important;
    width: fit-content !important;
    max-width: 100% !important;
    padding: 10px 14px 10px 43px !important;
    background: #EEF5FA !important;
    border: 1px solid #C6D8E5 !important;
    color: #496272 !important;
    text-align: left !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note::before {
    content: "i" !important;
    display: grid !important;
    place-items: center !important;
    position: absolute !important;
    left: 13px !important;
    top: 50% !important;
    transform: translateY(-50%) !important;
    width: 18px !important;
    height: 18px !important;
    border-radius: 50% !important;
    background: #FFFFFF !important;
    border: 1px solid #B8CDDB !important;
    color: #7090A3 !important;
    font: 700 11px/1 Roboto, Arial, sans-serif !important;
}
@media (max-width: 700px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        padding: 9px 12px 9px 40px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note::before {
        left: 12px !important;
    }
}


/* v1.2.17 — Small spacing adjustments for the marked Practical Examples
   areas. Scoped to the Insurance page, consistent at all viewports. */
/* RED: reduce the empty space after the coverage terms by around 10px. */
#zumi-native-insurance#zumi-native-insurance .zni-coverage {
    padding-bottom: clamp(28px, 2.8vw, 56px) !important;
}
/* BLUE: slightly separate the section label, heading and explanation. */
#zumi-native-insurance#zumi-native-insurance .zni-examples__head .zni-eyebrow {
    margin-bottom: 18px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__head {
    gap: 12px !important;
}
/* BLUE: add a little more breathing room before the first example. */
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    margin-bottom: 14px !important;
}


/* v1.2.18 — targeted spacing and intrinsic-size notice refinements. */

/* Close the gap above Practical Examples by reducing the otherwise empty
   padding under the coverage terms. Keep a small separation between panels. */
#zumi-native-insurance#zumi-native-insurance .zni-coverage {
    padding-bottom: clamp(14px, 1.65vw, 29px) !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel {
    padding-bottom: clamp(14px, 1.45vw, 26px) !important;
}

/* Give the examples guidance a little more breathing room before the cards. */
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    margin-bottom: 24px !important;
    width: max-content !important;
    max-width: min(100%, 920px) !important;
    justify-self: start !important;
}

/* The original WebP was almost invisible against the light panel. Render the
   same tyre/windscreen outline as a transparent, warm-toned watermark. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
    isolation: isolate !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    top: 14px !important;
    right: 14px !important;
    width: clamp(112px, 9vw, 154px) !important;
    height: clamp(112px, 9vw, 154px) !important;
    opacity: .22 !important;
    color: #A76D3E !important;
    background: transparent !important;
    pointer-events: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art svg {
    display: block !important;
    width: 100% !important;
    height: 100% !important;
    stroke: currentColor !important;
    fill: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__content {
    max-width: 100% !important;
    padding-right: 8px !important;
}

/* Informational notes hug their actual content rather than unnecessarily
   stretching across a column; full-width functional panels are untouched. */
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-faq__intro-note,
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
    box-sizing: border-box !important;
    display: block !important;
    width: max-content !important;
    max-width: min(100%, 445px) !important;
    min-width: 0 !important;
    height: auto !important;
    min-height: 0 !important;
    text-wrap: balance !important;
    white-space: normal !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
    min-width: 0 !important;
}
@media (min-width: 901px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        grid-template-columns: minmax(0, 1fr) minmax(0, 445px) !important;
    }
}

@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-coverage {
        padding-bottom: 12px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-plan-panel {
        padding-bottom: 14px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
        margin-bottom: 23px !important;
        width: max-content !important;
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        top: 18px !important;
        right: 9px !important;
        width: 100px !important;
        height: 100px !important;
        opacity: .20 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__content {
        padding-right: 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-faq__intro-note,
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        max-width: min(100%, 390px) !important;
    }
}

/* Keep short wrapped mobile helper notes balanced rather than letting a
   two-line message occupy the entire available row. */
@media (max-width: 420px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-faq__intro-note,
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        max-width: min(100%, 300px) !important;
    }
}


/* ============================================================
   v1.2.19 — VISIBLE SPACING FIX + CLEAR TYRE GHOST + INTRINSIC NOTES
   Final patch replaces rather than relies on subtle former adjustments.
   ============================================================ */
/* Closing the dead space between the end of coverage and the next panel:
   keep the insurance footnote but reduce nested bottom padding. */
#zumi-native-insurance#zumi-native-insurance .zni-coverage {
    padding-bottom: 6px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel {
    padding-bottom: 7px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-terms--inside {
    margin-top: 9px !important;
    padding-top: 8px !important;
}
/* A modest 4px gap between neighbouring sections instead of 8px.
   Restricted to the Insurance page. */
#zumi-native-insurance#zumi-native-insurance .zni-page {
    row-gap: 4px !important;
}
/* Add visible, but restrained separation below the 'How to read' notice. */
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    margin-bottom: 34px !important;
    box-sizing: border-box !important;
    width: fit-content !important;
    max-width: min(100%, 920px) !important;
}
/* Use the inline tyre + windscreen SVG as a proper ghost watermark.
   Anchor it visibly at the right centre while keeping all prose in front. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection {
    position: relative !important;
    isolation: isolate !important;
    overflow: hidden !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    display: block !important;
    position: absolute !important;
    z-index: 0 !important;
    top: 50% !important;
    right: 12px !important;
    left: auto !important;
    transform: translateY(-50%) !important;
    width: clamp(132px, 11vw, 190px) !important;
    height: clamp(132px, 11vw, 190px) !important;
    border: 0 !important;
    border-radius: 0 !important;
    padding: 0 !important;
    background: none !important;
    box-shadow: none !important;
    opacity: .27 !important;
    color: #B78854 !important;
    pointer-events: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art svg {
    display: block !important;
    width: 100% !important;
    height: 100% !important;
    fill: none !important;
    stroke: currentColor !important;
    stroke-width: 6 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__content {
    position: relative !important;
    z-index: 1 !important;
    max-width: 100% !important;
    padding-right: 0 !important;
}
/* Two informational notes remain content sized, never fixed to full column. */
#zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
    box-sizing: border-box !important;
    display: block !important;
    justify-self: end !important;
    width: fit-content !important;
    max-width: min(100%, 360px) !important;
    min-width: 0 !important;
    height: auto !important;
    min-height: 0 !important;
    white-space: normal !important;
    text-wrap: wrap !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
    justify-self: start !important;
}
@media (max-width: 900px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        justify-self: start !important;
    }
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-coverage { padding-bottom: 4px !important; }
    #zumi-native-insurance#zumi-native-insurance .zni-plan-panel { padding-bottom: 6px !important; }
    #zumi-native-insurance#zumi-native-insurance .zni-terms--inside {
        margin-top: 8px !important;
        padding-top: 7px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__rule {
        margin-bottom: 33px !important;
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        width: 110px !important;
        height: 110px !important;
        right: -5px !important;
        opacity: .25 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        max-width: min(100%, 310px) !important;
    }
}


/* =========================================================
   v1.2.20 — Practical Examples header layout, ghost media,
   FAQ single-line at wide viewports, targeted section spacing.
   ========================================================= */

/* Keep the examples summary as simple editorial copy under its title. */
#zumi-native-insurance#zumi-native-insurance .zni-examples__head {
    display: grid !important;
    grid-template-columns: minmax(0,1fr) !important;
    gap: 16px !important;
    align-items: start !important;
    margin-bottom: 17px !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__title-group {
    min-width: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__title-group > .zni-examples__intro-note {
    position: static !important;
    display: block !important;
    margin: 14px 0 0 !important;
    padding: 0 !important;
    border: 0 !important;
    background: transparent !important;
    box-shadow: none !important;
    color: #6e6156 !important;
    font: 400 clamp(13px,.92vw,16px)/1.55 Roboto,Arial,sans-serif !important;
    max-width: 100% !important;
    width: auto !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__title-group > .zni-examples__intro-note::before {
    display: none !important;
    content: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule {
    position: relative !important;
    top: auto !important;
    display: grid !important;
    width: fit-content !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
    margin: 0 !important;
    align-self: start !important;
}

/* On desktop the guidance is a compact header-side note instead of a
   full-width card inserted between the title and the example grid. */
@media (min-width: 1200px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        grid-template-columns: minmax(0,1fr) minmax(350px, min(39%,540px)) !important;
        gap: clamp(22px,2.6vw,48px) !important;
        align-items: start !important;
        margin-bottom: 22px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__title-group {
        grid-column: 1 !important;
        grid-row: 1 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule {
        grid-column: 2 !important;
        grid-row: 1 !important;
        justify-self: end !important;
        width: 100% !important;
        max-width: 540px !important;
        margin-top: 2px !important;
        padding: clamp(14px,1.25vw,19px) !important;
    }
}

/* Let the FAQ helper sit on a single line beside the heading, only at
   viewports with enough room for the longest English text. */
@media (min-width: 1360px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        grid-template-columns: minmax(0,1fr) max-content !important;
        gap: 20px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        display: block !important;
        width: max-content !important;
        max-width: none !important;
        white-space: nowrap !important;
        text-wrap: nowrap !important;
        font-size: clamp(12px,.79vw,14px) !important;
        padding: 10px 14px 10px 43px !important;
    }
}

/* Deliberate breathing room between the first three panels. */
#zumi-native-insurance#zumi-native-insurance .zni-hero + .zni-emergency-banner,
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner + .zni-coverage {
    margin-top: 10px !important;
}

/* Display the requested photographic WebP as a subtle ghost image. Blend
   out any dark backing on the icon file while retaining its line detail. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    opacity: .27 !important;
    top: 50% !important;
    right: 18px !important;
    transform: translateY(-50%) !important;
    width: clamp(120px,10vw,170px) !important;
    height: clamp(120px,10vw,170px) !important;
    background: transparent !important;
    border: none !important;
    box-shadow: none !important;
    pointer-events: none !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art img {
    display: block !important;
    width: 100% !important;
    height: 100% !important;
    object-fit: contain !important;
    filter: grayscale(1) invert(1) !important;
    mix-blend-mode: multiply !important;
}

@media (max-width: 1199px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        grid-template-columns: minmax(0,1fr) !important;
        gap: 12px !important;
        margin-bottom: 18px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule {
        justify-self: start !important;
    }
}
@media (max-width: 620px) {
    /* Restore a small, noticeable gap after the coverage footnote. */
    #zumi-native-insurance#zumi-native-insurance .zni-coverage {
        padding-bottom: 14px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-hero + .zni-emergency-banner,
    #zumi-native-insurance#zumi-native-insurance .zni-emergency-banner + .zni-coverage {
        margin-top: 8px !important;
    }
    /* Slightly less space after the 'How to read' note on phones. */
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        gap: 12px !important;
        margin-bottom: 16px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__title-group > .zni-examples__intro-note {
        margin-top: 10px !important;
        font-size: 12.6px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule {
        margin-bottom: 0 !important;
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        width: 102px !important;
        height: 102px !important;
        right: 5px !important;
        opacity: .23 !important;
    }
}


/* v1.2.21 — compact desktop guidance row, selected shields, red safety
   stripe, quieter ghost artwork and consistent section separation. */

/* The horizontal rule is a single row on large viewports. Keep the
   localization flexible: only the explanatory text may wrap if needed. */
@media (min-width: 1300px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        grid-template-columns: minmax(0, 31%) minmax(0, 1fr) !important;
        gap: clamp(16px, 1.6vw, 30px) !important;
        align-items: start !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule {
        display: flex !important;
        flex-flow: row nowrap !important;
        align-items: center !important;
        justify-self: end !important;
        width: 100% !important;
        max-width: 100% !important;
        min-width: 0 !important;
        gap: 12px !important;
        padding: 15px 16px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule > .zni-examples__rule-icon {
        flex: 0 0 38px !important;
        width: 38px !important;
        height: 38px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule > div {
        display: flex !important;
        flex-flow: row nowrap !important;
        align-items: baseline !important;
        gap: 12px !important;
        flex: 1 1 auto !important;
        min-width: 0 !important;
        max-width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule strong {
        flex: 0 0 auto !important;
        white-space: nowrap !important;
        margin: 0 !important;
        font-size: clamp(12px,.82vw,15px) !important;
        line-height: 1.45 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule p {
        flex: 1 1 auto !important;
        min-width: 0 !important;
        max-width: 100% !important;
        margin: 0 !important;
        font-size: clamp(11.5px,.72vw,14px) !important;
        line-height: 1.43 !important;
        white-space: normal !important;
    }
}

/* Make the requested tyre/windscreen art a genuinely faint watermark so it
   never competes with foreground copy in any language. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    opacity: .10 !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        opacity: .08 !important;
    }
}

/* Reduced + Standard: selected shield in burnt orange on a soft neutral
   surface. Zero Excess retains its gold treatment. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="reduced"].is-active .zni-plan-tab__icon,
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="standard"].is-active .zni-plan-tab__icon {
    background: #FBE8DE !important;
    color: #E6532F !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="reduced"].is-active .zni-plan-tab__icon svg,
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="standard"].is-active .zni-plan-tab__icon svg {
    stroke: #E6532F !important;
    fill: none !important;
}

/* Force the emergency banner's left accent to the same safety red as the
   emergency labels, even when general .zni-section border rules apply. */
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner {
    border-left: 5px solid #C62828 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner .zni-emergency-banner__eyebrow::before {
    background: #C62828 !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-emergency-banner {
        border-left-width: 3px !important;
    }
}

/* Match coverage-to-examples separation with the existing hero/emergency
   and emergency/coverage spacing. No extra change to inner copy spacing. */
#zumi-native-insurance#zumi-native-insurance .zni-coverage + .zni-examples {
    margin-top: 10px !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-coverage + .zni-examples {
        margin-top: 8px !important;
    }
}


/* v1.2.22: selected shield contrast, quieter watermark, and readable guidance
   hierarchy at wide desktop breakpoints. These changes are intentionally
   scoped to the affected components and do not change any insurance terms. */

/* Existing selected-state backgrounds were pale against the burnt-orange
   shield. Use a visibly darker neutral surface with an orange line icon. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="reduced"].is-active .zni-plan-tab__icon,
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="standard"].is-active .zni-plan-tab__icon {
    background-color: #423832 !important;
    background-image: none !important;
    border-color: rgba(255, 182, 146, .25) !important;
    color: #FF7048 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="reduced"].is-active .zni-plan-tab__icon svg,
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="standard"].is-active .zni-plan-tab__icon svg {
    color: #FF7048 !important;
    stroke: #FF7048 !important;
    fill: none !important;
}

/* Keep the decorative tyre/windscreen watermark behind the text but barely
   visible; the explanatory copy must remain visually dominant. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    opacity: .045 !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        opacity: .03 !important;
    }
}

/* Always put the explanatory paragraph BELOW its heading in the "How to
   read these examples" block. The block itself remains right-aligned in
   the large-screen two-column examples header. */
@media (min-width: 1300px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule > div {
        display: flex !important;
        flex-direction: column !important;
        flex-wrap: nowrap !important;
        align-items: flex-start !important;
        justify-content: center !important;
        gap: 4px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule strong {
        flex: 0 0 auto !important;
        width: 100% !important;
        white-space: normal !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule p {
        flex: 0 1 auto !important;
        width: 100% !important;
        margin: 0 !important;
        white-space: normal !important;
    }
}


/* v1.2.23 — larger, lighter tyre/windscreen ghost artwork. */
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
    width: clamp(150px, 12vw, 210px) !important;
    height: clamp(150px, 12vw, 210px) !important;
    right: 12px !important;
    opacity: .055 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art img {
    width: 100% !important;
    height: 100% !important;
    object-fit: contain !important;
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-tier-protection__art {
        width: 122px !important;
        height: 122px !important;
        right: 2px !important;
        opacity: .04 !important;
    }
}


/* v1.2.24 — center and intrinsically size the desktop examples note,
   while keeping the FAQ helper concise and single-line on phones. */
#zumi-native-insurance#zumi-native-insurance .zni-faq__copy-mobile {
    display: none !important;
}
@media (min-width: 1200px) {
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head {
        grid-template-columns: minmax(0, 1fr) minmax(0, 620px) !important;
        align-items: center !important;
        column-gap: clamp(24px, 3vw, 56px) !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule {
        align-self: center !important;
        justify-self: end !important;
        width: fit-content !important;
        min-width: 0 !important;
        max-width: min(100%, 590px) !important;
        margin: 0 !important;
        padding: 13px 15px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-examples__head > .zni-examples__rule > div {
        min-width: 0 !important;
        max-width: 100% !important;
    }
}
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-faq__copy-full {
        display: none !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-faq__copy-mobile {
        display: inline !important;
        white-space: nowrap !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-faq__intro-note,
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note {
        display: inline-flex !important;
        width: max-content !important;
        max-width: 100% !important;
        min-width: 0 !important;
        white-space: nowrap !important;
        text-wrap: nowrap !important;
        font-size: clamp(10px, 2.85vw, 12.5px) !important;
        line-height: 1.45 !important;
        padding: 9px 11px 9px 37px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq > .zni-examples__intro-note.zni-faq__intro-note::before {
        left: 10px !important;
        width: 17px !important;
        height: 17px !important;
    }
}



/* v1.2.26 — correct mobile icon choice and restore consistent section rhythm.
   The Practical Examples shield is retained at all sizes. */

/* Additional space between the Insurance FAQ heading/help text and the
   first accordion question, without changing the accordion row height. */
#zumi-native-insurance#zumi-native-insurance .zni-faq .zni-section-head--faq {
    margin-bottom: 22px !important;
}

/* Mirror the existing hero → emergency separation (10px desktop,
   8px mobile) after both the FAQ and the Full Terms section. */
#zumi-native-insurance#zumi-native-insurance .zni-faq + .zni-contract,
#zumi-native-insurance#zumi-native-insurance .zni-contract + .zni-contact {
    margin-top: 10px !important;
}

@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-faq .zni-section-head--faq {
        margin-bottom: 18px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-faq + .zni-contract,
    #zumi-native-insurance#zumi-native-insurance .zni-contract + .zni-contact {
        margin-top: 8px !important;
    }
    /* Only the Full Terms document illustration disappears on phones.
       Remove its grid slot; retain all other icons including Examples. */
    #zumi-native-insurance#zumi-native-insurance .zni-contract__icon {
        display: none !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__card {
        grid-template-columns: minmax(0, 1fr) !important;
    }
}


/* v1.2.27 — mobile terms layout repair, coverage divider removal and
   intentional photo breathing space in the mobile hero. */

/* The external grey rule below the Tyre/Windscreen panel is decorative,
   not part of the contractual footnote. Retain the footnote and spacing. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-panel .zni-terms--inside {
    border-top: 0 !important;
    border-block-start: 0 !important;
}

@media (max-width: 620px) {
    /* The old mobile `display: contents` flattened .zni-contract__content
       into a 40px/1fr grid. Hiding the illustration subsequently put the
       copy in that narrow track. Restore normal semantic text flow. */
    #zumi-native-insurance#zumi-native-insurance .zni-contract__card {
        display: flex !important;
        flex-direction: column !important;
        align-items: stretch !important;
        justify-content: flex-start !important;
        width: 100% !important;
        grid-template-columns: none !important;
        gap: 13px !important;
        padding: 18px 16px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__icon {
        display: none !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__content {
        display: flex !important;
        flex-direction: column !important;
        align-items: stretch !important;
        min-width: 0 !important;
        max-width: 100% !important;
        width: 100% !important;
        gap: 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__content > * {
        grid-column: auto !important;
        grid-row: auto !important;
        min-width: 0 !important;
        max-width: 100% !important;
        width: 100% !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__content .zni-eyebrow {
        display: flex !important;
        width: auto !important;
        align-self: flex-start !important;
        margin: 0 0 11px !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__content h2 {
        margin: 0 0 11px !important;
        overflow-wrap: normal !important;
        word-break: normal !important;
        hyphens: none !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__content > p {
        display: block !important;
        margin: 0 0 12px !important;
        overflow-wrap: normal !important;
        word-break: normal !important;
        hyphens: none !important;
        line-height: 1.5 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__points {
        margin: 1px 0 0 !important;
    }
    #zumi-native-insurance#zumi-native-insurance .zni-contract__actions {
        width: 100% !important;
        min-width: 0 !important;
        max-width: 100% !important;
        grid-column: auto !important;
        grid-row: auto !important;
    }

    /* More visible Namibian photo between headline and first hero paragraph,
       without fixed section heights that could clip translated headlines. */
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p {
        margin-top: clamp(110px, 25vw, 155px) !important;
    }
}

/* v1.2.28 — lighter selected Reduced/Standard icon surfaces and plain guidance. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="reduced"].is-active .zni-plan-tab__icon,
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="standard"].is-active .zni-plan-tab__icon {
    background: #EDD9CC !important;
    background-image: none !important;
    border-color: #E1C3B0 !important;
    color: #CD4824 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="reduced"].is-active .zni-plan-tab__icon svg,
#zumi-native-insurance#zumi-native-insurance .zni-plan-tab[data-zni-plan="standard"].is-active .zni-plan-tab__icon svg {
    color: #CD4824 !important;
    stroke: #CD4824 !important;
    fill: none !important;
}
/* Remove the little orange lead-in rule; guidance remains real text. */
#zumi-native-insurance#zumi-native-insurance .zni-plan-instruction {
    display: block !important;
    color: #392D25 !important;
    font-family: Roboto, Arial, sans-serif !important;
    font-size: clamp(15px, 1vw, 17px) !important;
    font-weight: 700 !important;
    line-height: 1.45 !important;
    letter-spacing: 0 !important;
}
#zumi-native-insurance#zumi-native-insurance .zni-plan-instruction::before {
    content: none !important;
    display: none !important;
}


/* v1.2.30 — mobile-only hero/FAQ spacing and emergency link underline. */
/* Preserve the existing red link colour, font weight and hover/focus behaviour.
   Scope this specifically to the emergency notice, not links within FAQ answers. */
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner .zni-emergency-contact-link,
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner .zni-emergency-contact-link:hover,
#zumi-native-insurance#zumi-native-insurance .zni-emergency-banner .zni-emergency-contact-link:focus-visible {
    text-decoration-line: none !important;
    text-decoration: none !important;
}

@media (max-width: 620px) {
    /* Move the intro box 25px farther below the hero headline.
       Content-driven hero height grows naturally; no fixed height or clipping. */
    #zumi-native-insurance#zumi-native-insurance .zni-hero--refined .zni-hero__copy > p {
        margin-top: clamp(135px, 29vw, 180px) !important;
    }

    /* Slightly more breathing room between FAQ heading/help note and Q1. */
    #zumi-native-insurance#zumi-native-insurance .zni-faq .zni-section-head--faq {
        margin-bottom: 30px !important;
    }
}


/* v1.2.31 — Shift ONLY the mobile Insurance hero photograph upward.
   Overscan by the same 200px so a shifted background never leaves an
   unpainted strip at the bottom. Keep gradient layers, content, and all
   tablet/desktop styling unchanged. */
@media (max-width: 620px) {
    #zumi-native-insurance#zumi-native-insurance .zni-hero.zni-hero--refined {
        background-size: cover, cover, auto calc(100% + 200px) !important;
        background-position: center top, center top, 67% -200px !important;
    }
}

/* v1.2.35 restores the original v1.2.31 mobile hero photo positioning. */


/* v1.2.36 — add breathing room between FAQ title and blue guidance.
   Preserve the existing spacing below this header before question one. */
@media (max-width: 900px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        row-gap: 22px !important;
    }
}
@media (min-width: 901px) {
    #zumi-native-insurance#zumi-native-insurance .zni-section-head--faq {
        column-gap: 42px !important;
    }
}