:root{--green:#116149;--green2:#0a4636;--gold:#d5a63d;--ink:#17231e;--muted:#65736c;--soft:#f5f8f5;--white:#fff;--line:#dde6e0;--shadow:0 16px 45px rgba(18,55,40,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:inherit}.wrap{width:min(1160px,calc(100% - 32px));margin:auto}
.topbar{background:var(--green2);color:#fff;font-size:13px}.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 0}.topbar a{text-decoration:none}
.nav{position:sticky;top:0;z-index:50;background:#ffffffed;backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.navin{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{text-decoration:none;display:flex;align-items:center;gap:12px}.brandmark{width:46px;height:46px;border-radius:50%;background:linear-gradient(135deg,var(--green),var(--gold));display:grid;place-items:center;color:#fff;font-weight:900}.brand strong{display:block;line-height:1.15}.brand small{color:var(--muted)}.links{display:flex;align-items:center;gap:22px}.links a{text-decoration:none;font-weight:700;font-size:14px}.btn{display:inline-block;background:var(--green);color:#fff!important;padding:12px 18px;border-radius:10px;text-decoration:none!important;font-weight:800;border:0;cursor:pointer}.btn.alt{background:#fff;color:var(--green)!important;border:1px solid var(--line)}.menu{display:none;background:none;border:0;font-size:25px}
.hero{padding:88px 0;background:linear-gradient(135deg,#f5faf6,#fff)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:55px;align-items:center}.eyebrow{color:var(--green);font-weight:900;text-transform:uppercase;letter-spacing:.13em;font-size:12px}.hero h1,.pagehero h1{font-size:clamp(42px,6vw,70px);line-height:1.02;letter-spacing:-.045em;margin:12px 0 20px}.hero p{font-size:19px;color:var(--muted);max-width:690px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.visual{min-height:410px;border-radius:28px;background:linear-gradient(145deg,var(--green2),var(--green));padding:35px;color:#fff;display:flex;flex-direction:column;justify-content:flex-end;box-shadow:var(--shadow)}.visual h2{font-size:34px;margin:0}.visual p{color:#e5f1eb}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:-34px;position:relative}.stat,.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:var(--shadow)}.stat strong{display:block;color:var(--green);font-size:20px}
.section{padding:78px 0}.section.soft{background:var(--soft)}.section h2{font-size:clamp(30px,4vw,44px);line-height:1.12;margin:8px 0 16px}.lead{color:var(--muted);font-size:17px;max-width:760px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}.card h3{margin-top:5px}.num{color:var(--gold);font-weight:900}.check{padding-left:0;list-style:none}.check li{margin:10px 0}.check li:before{content:"✓";color:var(--green);font-weight:900;margin-right:10px}
.pagehero{padding:65px 0;background:var(--soft)}.pagehero h1{font-size:clamp(38px,5vw,58px)}.two{display:grid;grid-template-columns:1fr 1fr;gap:32px}.steps{display:grid;gap:16px;margin-top:28px}.step{display:grid;grid-template-columns:52px 1fr;gap:18px;align-items:start}.step b{width:48px;height:48px;border-radius:50%;background:#e8f3ed;color:var(--green);display:grid;place-items:center}.step h3{margin:2px 0}
.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field label{display:block;font-weight:800;font-size:13px;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1px solid #cfdad3;border-radius:10px;font:inherit;background:#fff}.field textarea{min-height:140px;resize:vertical}.full{grid-column:1/-1}.notice{background:#eef6f1;border-left:4px solid var(--green);padding:16px;border-radius:8px}.success{display:none;background:#e8f5ed;color:#164d35;padding:14px;border-radius:9px;margin-top:15px}.legal h2{font-size:25px;margin-top:32px}
.appgrid{display:grid;grid-template-columns:290px minmax(0,1fr);gap:24px;align-items:start}.appside{position:sticky;top:100px}.frame{width:100%;height:1700px;border:0;background:#fff;border-radius:18px}.appcard{overflow:hidden}.apphead{padding:24px;border-bottom:1px solid var(--line)}
footer{background:#0d2f25;color:#dce9e3;padding:55px 0 25px}.foot{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}.foot h4{color:#fff}.foot a{display:block;color:#dce9e3;text-decoration:none;margin:7px 0}.copyright{border-top:1px solid #ffffff1c;margin-top:35px;padding-top:20px;font-size:13px;color:#a9bbb2}
.whatsapp{position:fixed;right:22px;bottom:22px;z-index:80;display:flex;align-items:center;gap:10px;background:#25D366;color:#fff;text-decoration:none;padding:9px 16px 9px 9px;border-radius:999px;box-shadow:0 12px 30px #0003;font-weight:900}.wa-logo{width:42px;height:42px;border-radius:50%;background:#fff;display:grid;place-items:center;overflow:hidden}.wa-logo img{width:100%;height:100%;object-fit:cover}.wa-fallback{color:var(--green);font-weight:900;font-size:11px;text-align:center;line-height:1}
@media(max-width:900px){.links{display:none;position:absolute;left:16px;right:16px;top:75px;background:#fff;padding:18px;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.links.open{display:flex}.menu{display:block}.hero-grid,.two,.appgrid{grid-template-columns:1fr}.cards,.stats{grid-template-columns:1fr}.appside{position:static}.hero{padding:55px 0}.visual{min-height:300px}.frame{height:1900px}.foot{grid-template-columns:1fr}.topbar .wrap{flex-direction:column;gap:2px}.formgrid{grid-template-columns:1fr}.full{grid-column:auto}}
@media(max-width:560px){.whatsapp{right:12px;bottom:12px;padding-right:12px}.whatsapp span{font-size:13px}.brand small{display:none}}

/* --- Bathusi official logo + photographic hero upgrade --- */
.brand img{
  width:74px!important;height:58px!important;object-fit:contain!important;
  border-radius:0!important;background:#fff;
}
.brand{gap:10px}.navin{min-height:88px}
.wa-logo{width:48px!important;height:48px!important;padding:2px;background:#fff!important}
.wa-logo img{object-fit:contain!important;border-radius:50%}

/* Free-to-use South African family photograph by Meghan Holmes / Unsplash.
   Source: https://unsplash.com/photos/sNLwgAL1B7k */
.hero,.pagehero{
  position:relative;isolation:isolate;overflow:hidden;
  background-image:
    linear-gradient(90deg,rgba(7,52,36,.91) 0%,rgba(10,70,49,.77) 44%,rgba(10,50,36,.35) 100%),
    url("https://images.unsplash.com/photo-1748272591081-f74f0521a084?auto=format&fit=crop&fm=jpg&q=82&w=2200");
  background-size:cover;background-position:center 52%;
  color:#fff;
}
.hero:after,.pagehero:after{
  content:"";position:absolute;inset:auto 0 0 0;height:7px;z-index:-1;
  background:linear-gradient(90deg,#e31b23 0 20%,#f59e0b 20% 40%,#00843d 40% 60%,#111 60% 80%,#003da5 80%);
}
.hero .eyebrow,.pagehero .eyebrow{color:#ffd96b}
.hero h1,.pagehero h1,.hero .lead,.pagehero .lead{color:#fff}
.hero p,.pagehero p{color:rgba(255,255,255,.91)}
.hero-grid{grid-template-columns:minmax(0,760px) 1fr}
.hero .visual{
  min-height:370px;background:rgba(255,255,255,.10);
  border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(5px);
}
.pagehero{padding:90px 0}
.pagehero .wrap{max-width:1160px}
.pagehero h1{max-width:850px}
.pagehero .lead{max-width:720px}

/* Slightly vary the crop from page to page so each hero has its own visual feel. */
body:has(a[href="about.html"].btn-current) .pagehero{background-position:center 45%}
@media(max-width:700px){
 .brand strong{font-size:13px}.brand img{width:60px!important;height:50px!important}
 .hero,.pagehero{background-position:60% center}
 .hero-grid{grid-template-columns:1fr}
}

/* === 2026 Warm Glow Skin === */
body{
 background:
   radial-gradient(circle at 8% 18%,rgba(213,166,61,.08),transparent 26rem),
   radial-gradient(circle at 92% 42%,rgba(17,97,73,.09),transparent 30rem),
   linear-gradient(180deg,#f8f5ed 0%,#f3f7f3 45%,#fbf8f0 100%);
}
.nav{background:rgba(250,248,242,.91);border-color:rgba(17,97,73,.14);box-shadow:0 8px 30px rgba(8,52,39,.07)}
.section{position:relative;background:transparent}
.section.soft{
 background:linear-gradient(135deg,rgba(9,67,49,.96),rgba(17,97,73,.92));
 color:#fff;border-top:1px solid rgba(255,255,255,.12);border-bottom:1px solid rgba(255,255,255,.12);
 box-shadow:inset 0 0 90px rgba(229,184,73,.08);
}
.section.soft .lead,.section.soft p{color:rgba(255,255,255,.82)}
.section.soft .eyebrow{color:#f0ca70}
.card,.stat{
 background:linear-gradient(145deg,rgba(255,255,255,.93),rgba(249,246,237,.88));
 border:1px solid rgba(17,97,73,.14);
 box-shadow:0 14px 42px rgba(12,65,47,.09),0 0 0 1px rgba(229,184,73,.04);
}
.card:hover,.stat:hover{box-shadow:0 18px 48px rgba(12,65,47,.13),0 0 28px rgba(213,166,61,.08)}
.hero,.pagehero{
 background-image:
   linear-gradient(90deg,rgba(6,43,32,.96) 0%,rgba(10,70,49,.89) 47%,rgba(10,58,43,.68) 100%)!important;
 background-color:#0a4636!important;
 min-height:440px;display:flex;align-items:center;
}
.hero:before,.pagehero:before{
 content:"";position:absolute;inset:0 0 0 48%;z-index:-1;
 background-image:var(--hero-art);background-size:min(650px,55vw) auto;background-position:center;background-repeat:no-repeat;
 filter:drop-shadow(0 0 25px rgba(229,184,73,.18));
 opacity:.92;
}
.hero:after,.pagehero:after{height:6px;background:linear-gradient(90deg,#e31b23,#f4a000,#07813f,#111 65%,#123b91)}
.hero .wrap,.pagehero .wrap{position:relative}
.visual{background:rgba(4,35,26,.38)!important;border:1px solid rgba(255,255,255,.17)!important;box-shadow:0 22px 70px rgba(0,0,0,.18),inset 0 0 40px rgba(229,184,73,.05)}
footer{background:radial-gradient(circle at 80% 0%,rgba(213,166,61,.13),transparent 28rem),linear-gradient(145deg,#082d22,#0d3e2f)}
.whatsapp{box-shadow:0 12px 35px rgba(5,80,42,.35),0 0 24px rgba(37,211,102,.20)}
/* unique hero artwork per page */
body.page-home{--hero-art:url("../img/heroes/home.svg")}
body.page-about{--hero-art:url("../img/heroes/about.svg")}
body.page-services{--hero-art:url("../img/heroes/services.svg")}
body.page-premiums{--hero-art:url("../img/heroes/premiums.svg")}
body.page-claims{--hero-art:url("../img/heroes/claims.svg")}
body.page-contact{--hero-art:url("../img/heroes/contact.svg")}
body.page-application{--hero-art:url("../img/heroes/application.svg")}
body.page-privacy{--hero-art:url("../img/heroes/privacy.svg")}
body.page-terms{--hero-art:url("../img/heroes/terms.svg")}
body.page-disclaimer{--hero-art:url("../img/heroes/disclaimer.svg")}
body.page-success{--hero-art:url("../img/heroes/success.svg")}
@media(max-width:800px){
 .hero:before,.pagehero:before{inset:0;opacity:.20;background-size:520px auto}
 .hero,.pagehero{min-height:390px}
}

/* === Readability correction === */
.section.soft .card,
.section.soft .card p,
.section.soft .card li,
.section.soft .card h2,
.section.soft .card h3,
.section.soft .stat,
.section.soft .stat p{
  color:#17231e!important;
}
.section.soft .card .lead{color:#53635b!important}
.section.soft .card .eyebrow{color:#116149!important}
.section.soft .card{
  background:linear-gradient(145deg,#fffef9,#edf3ee)!important;
  border:1px solid rgba(255,255,255,.68)!important;
}
.section.soft .card .check li:before{color:#116149!important}
.section.soft .card .btn{color:#fff!important;background:#116149!important}

/* === PHOTOGRAPHIC HEROES — no icon/emoji artwork === */
.hero:before,.pagehero:before{display:none!important}
.hero,.pagehero{
 background-size:cover!important;
 background-repeat:no-repeat!important;
 background-position:center!important;
}
body.page-home .hero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.94),rgba(8,66,46,.75),rgba(8,55,40,.30)),
 url("https://getfuneralinsurance.co.za/assets/hero-family-Ctn8v6Es.jpg")!important;
}
body.page-about .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.94),rgba(8,66,46,.73),rgba(8,55,40,.28)),
 url("https://www.bbraun.fr/fr/a-propos/responsabilite/acces-a-la-sante-dans-le-monde/partenaire-en-afrique/partner-in-south-africa/_jcr_content/root/container/overlap_1924028731_c/image.coreimg.jpeg/1694500750710/partner-in-africa-noluthando-family-in-south-africa.jpeg")!important;
}
body.page-services .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.95),rgba(8,66,46,.74),rgba(8,55,40,.30)),
 url("https://lirp.cdn-website.com/5abfb700/dms3rep/multi/opt/Who%2BCan%2BI%2BName%2Bas%2Ba%2BBeneficiary%2Bon%2Bmy%2BLife%2BInsurance%2BPolicy-1920w.jpg")!important;
}
body.page-premiums .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.95),rgba(8,66,46,.74),rgba(8,55,40,.28)),
 url("https://www.pennymac.com/assets/images/posts-tablet/what-is-a-co-borrower.jpg")!important;
}
body.page-claims .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.96),rgba(8,66,46,.78),rgba(8,55,40,.32)),
 url("https://static.wixstatic.com/media/609841_e3d1aedacf1445ec9903081a60e51688~mv2.png/v1/fill/w_980%2Ch_547%2Cal_c%2Cq_90%2Cusm_0.66_1.00_0.01%2Cenc_avif%2Cquality_auto/609841_e3d1aedacf1445ec9903081a60e51688~mv2.png")!important;
}
body.page-contact .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.95),rgba(8,66,46,.72),rgba(8,55,40,.25)),
 url("https://www.phung-phone.de/images/hero-bg.jpg")!important;
}
body.page-application .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.95),rgba(8,66,46,.72),rgba(8,55,40,.25)),
 url("https://stories.gupy.io/carta-de-apresentacao-como-fazer/assets/20.jpeg")!important;
}
body.page-privacy .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.96),rgba(8,66,46,.77),rgba(8,55,40,.30)),
 url("https://insurebynathaniel.com/_nuxt/blog-types-insurance-v3.CGmCdaDn.png")!important;
}
body.page-terms .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.96),rgba(8,66,46,.77),rgba(8,55,40,.30)),
 url("https://sph.umd.edu/sites/default/files/styles/optimized/public/2025-10/AdobeStock_671988169.jpeg?itok=dTPFD9lJ")!important;
}
body.page-disclaimer .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.96),rgba(8,66,46,.77),rgba(8,55,40,.30)),
 url("https://tributepoint.co.za/assets/img/media/photography/photo-family-portrait.webp")!important;
}
body.page-success .pagehero{
 background-image:linear-gradient(90deg,rgba(5,45,32,.94),rgba(8,66,46,.70),rgba(8,55,40,.22)),
 url("https://cdn.radioafrica.digital/image/2025/07/a222c428-f015-46cd-b80e-6a7013dc0d20.png")!important;
}

/* FINAL LOCAL CULTURALLY-ALIGNED PHOTOGRAPHIC HEROES */
.hero,.pagehero{background-size:cover!important;background-position:center!important;background-repeat:no-repeat!important}
body.page-home .hero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/home.jpg")!important}
body.page-about .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/about.jpg")!important}
body.page-services .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/services.jpg")!important}
body.page-premiums .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/premiums.jpg")!important}
body.page-claims .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/claims.jpg")!important}
body.page-contact .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/contact.jpg")!important}
body.page-application .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/application.jpg")!important}
body.page-privacy .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/privacy.jpg")!important}
body.page-terms .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/terms.jpg")!important}
body.page-disclaimer .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/disclaimer.jpg")!important}
body.page-success .pagehero{background-image:linear-gradient(90deg,rgba(5,42,31,.95),rgba(8,67,47,.70),rgba(8,55,40,.22)),url("../img/heroes-final/success.jpg")!important}