.external-hero{background:linear-gradient(135deg,#eef4f8,#f8fafb);padding:64px 0 52px;border-bottom:1px solid var(--line)}
.narrowish{width:min(900px,calc(100% - 36px));margin:auto}
.external-hero h1{color:#10263a;max-width:900px;font-size:clamp(2.2rem,5vw,4.6rem)}
.lede-dark{font-size:1.16rem;color:#425565;max-width:820px}
.principle-box{margin-top:24px;padding:16px 18px;border-left:4px solid #d3aa44;background:#fff7df;border-radius:8px}
.pipeline-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.pipeline-grid article{position:relative;border:1px solid var(--line);background:#fff;border-radius:12px;padding:20px;min-height:165px}
.pipeline-grid article span{display:inline-flex;width:30px;height:30px;border-radius:50%;align-items:center;justify-content:center;background:#173e5f;color:#fff;font-weight:800}
.pipeline-grid h3{margin:14px 0 6px;color:#173e5f}
.claim-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:18px}
.claim-summary>div{border:1px solid var(--line);background:#fff;border-radius:12px;padding:18px}.claim-summary strong{display:block;font-size:2rem;color:#173e5f}.claim-summary span{font-size:.86rem;color:var(--muted)}
.empty-state{border:1px dashed #b8c6d1;border-radius:12px;padding:22px;background:#f8fafb;color:#445766}
.policy-list{padding-left:1.4rem}.policy-list li{margin:10px 0}
@media(max-width:900px){.pipeline-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.pipeline-grid,.claim-summary{grid-template-columns:1fr}.narrowish{width:min(100% - 24px,900px)}}