/* BOI Helpdesk V12. Strictly page-scoped; header/footer and other pages stay untouched. */
.boi-hd-page{--hd-green:var(--insurel-ref-primary,#0b5a48);--hd-deep:var(--insurel-ref-deep,#064537);--hd-gold:var(--insurel-ref-gold,#c89b42);--hd-sage:var(--insurel-ref-sage,#e8f1e8);--hd-cream:#f7f5ef;--hd-ink:#153c35;--hd-body:#425854;--hd-border:#e0e6e1;display:block;width:100%;max-width:100%;margin:0;padding:0;background:#fff;color:var(--hd-body);font:400 16px/1.65 Arial,Helvetica,sans-serif;text-align:left;overflow-wrap:break-word;isolation:isolate}
.boi-hd-page *,.boi-hd-page *::before,.boi-hd-page *::after{box-sizing:border-box}
.boi-hd-page .boi-hd-wrap{width:min(1200px,calc(100% - 64px));max-width:1200px;margin-inline:auto}
.boi-hd-page .boi-hd-section{margin:0;padding:55px 0}
.boi-hd-page h1,.boi-hd-page h2,.boi-hd-page h3{color:var(--hd-ink);font-family:Georgia,'Times New Roman',serif;text-transform:none;letter-spacing:-.025em;line-height:1.13;font-weight:600;margin:0 0 16px}
.boi-hd-page h1{font-size:clamp(46px,4.6vw,68px);max-width:580px;text-wrap:balance}
.boi-hd-page h2{font-size:clamp(30px,3vw,43px);text-wrap:balance}
.boi-hd-page h3{font-size:23px;line-height:1.25}
.boi-hd-page p{margin:0 0 16px;font-size:inherit;line-height:inherit}
.boi-hd-page a{color:var(--hd-deep);text-decoration:none;transition:background-color .15s,color .15s}
.boi-hd-page a:hover{text-decoration:underline}
.boi-hd-page a:focus-visible{outline:3px solid var(--hd-gold);outline-offset:5px;border-radius:3px}
.boi-hd-page img{display:block;max-width:100%;height:auto;border:0}
.boi-hd-page .boi-hd-icon{display:inline-block;width:25px;height:25px;vertical-align:middle;flex:0 0 auto;color:inherit}
.boi-hd-page .boi-hd-eyebrow{display:flex;align-items:center;gap:17px;color:var(--hd-deep);font:700 11px/1.5 Arial,Helvetica,sans-serif;letter-spacing:.18em;text-transform:uppercase;margin:0 0 13px}
.boi-hd-page .boi-hd-eyebrow::before{content:'';display:block;width:42px;height:2px;flex:0 0 42px;background:var(--hd-gold)}
.boi-hd-page .boi-hd-lead{max-width:910px;font-size:16px;margin-bottom:25px}
.boi-hd-page .boi-hd-actions{display:flex;flex-wrap:wrap;gap:13px;align-items:center;margin-top:28px}
.boi-hd-page .boi-hd-button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:48px;max-width:100%;padding:12px 20px;border:1px solid transparent;border-radius:7px;font:700 14px/1.45 Arial,Helvetica,sans-serif;text-align:center;text-transform:none;letter-spacing:0;box-shadow:none}
.boi-hd-page .boi-hd-button .boi-hd-icon{width:20px;height:20px}
.boi-hd-page .boi-hd-button-gold{background:var(--hd-gold);color:#173b2c}
.boi-hd-page .boi-hd-button-gold:hover{background:#dfb660;color:#173b2c;text-decoration:none}
.boi-hd-page .boi-hd-button-outline{border-color:var(--hd-green);color:var(--hd-deep);background:rgba(255,255,255,.78)}
.boi-hd-page .boi-hd-button-outline:hover{background:var(--hd-sage);text-decoration:none}
.boi-hd-page .boi-hd-button-green{background:var(--hd-deep);color:#fff}
.boi-hd-page .boi-hd-button-green:hover{background:var(--hd-green);color:#fff;text-decoration:none}
.boi-hd-page .boi-hd-text-link{display:inline-flex;gap:10px;align-items:center;min-height:44px;font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:4px}
.boi-hd-page .boi-hd-text-link .boi-hd-icon{width:19px;height:19px}
/* Hero: editable photograph; bundled crop is an illustration from the approved mock. */
.boi-hd-page .boi-hd-hero{position:relative;background:var(--hd-cream);overflow:hidden}
.boi-hd-page .boi-hd-hero-layout{display:grid;grid-template-columns:1.08fr .92fr;min-height:510px;gap:20px;position:relative;align-items:center}
.boi-hd-page .boi-hd-hero-copy{position:relative;z-index:2;padding:32px 0 48px;min-width:0}
.boi-hd-page .boi-hd-breadcrumb{display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:12px;color:var(--hd-deep);margin-bottom:34px}
.boi-hd-page .boi-hd-breadcrumb .boi-hd-icon{width:11px;height:11px}
.boi-hd-page .boi-hd-breadcrumb a{min-height:32px;display:inline-flex;align-items:center}
.boi-hd-page .boi-hd-tagline{font:600 clamp(24px,2.3vw,32px)/1.22 Georgia,'Times New Roman',serif;color:var(--hd-ink);margin-top:20px;margin-bottom:10px;letter-spacing:-.025em}
.boi-hd-page .boi-hd-hero-intro{max-width:480px;color:#294b41}
.boi-hd-page .boi-hd-hero-media{position:relative;align-self:stretch;min-width:0;min-height:510px;isolation:isolate}
.boi-hd-page .boi-hd-hero-media .boi-hd-portrait{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:55% 25%}
.boi-hd-page .boi-hd-photo-fade{position:absolute;inset:0;background:linear-gradient(90deg,var(--hd-cream),rgba(247,245,239,0) 18%);pointer-events:none}
.boi-hd-page .boi-hd-response-badge{position:absolute;right:0;bottom:30px;display:flex;align-items:center;gap:18px;max-width:295px;padding:23px 24px;border:1px solid #8ba994;border-radius:10px;background:var(--hd-deep);color:#fff;box-shadow:0 8px 24px #0035281c}
.boi-hd-page .boi-hd-response-badge>.boi-hd-icon{width:44px;height:44px}
.boi-hd-page .boi-hd-response-badge p{font-size:13px;line-height:1.6;margin:0}
.boi-hd-page .boi-hd-response-badge p::after{content:'';display:block;width:36px;height:2px;background:var(--hd-gold);margin-top:10px}
.boi-hd-page .boi-hd-response-badge span{display:block;font-weight:700;font-size:16px;color:#fff}
/* Telephone/email remain usable links, not fake submit buttons. */
.boi-hd-page .boi-hd-contact{scroll-margin-top:140px}
.boi-hd-page .boi-hd-contact-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.boi-hd-page .boi-hd-contact-grid-single{grid-template-columns:1fr}
.boi-hd-page .boi-hd-contact-card{display:flex;align-items:flex-start;gap:25px;background:linear-gradient(120deg,#f6f7f4,#fff);border:1px solid var(--hd-border);border-radius:7px;padding:31px 30px;min-width:0}
.boi-hd-page .boi-hd-round-icon{display:grid;place-items:center;flex:0 0 84px;width:84px;height:84px;background:var(--hd-sage);color:var(--hd-deep);border-radius:50%}
.boi-hd-page .boi-hd-round-icon .boi-hd-icon{width:40px;height:40px}
.boi-hd-page .boi-hd-card-copy{min-width:0;flex:1}
.boi-hd-page .boi-hd-card-copy h3{font:700 17px/1.45 Arial,Helvetica,sans-serif;letter-spacing:0;margin:0 0 8px}
.boi-hd-page .boi-hd-card-copy p{font-size:14px;margin:4px 0 7px}
.boi-hd-page .boi-hd-phone-number{display:inline-block;font:700 clamp(24px,2.4vw,33px)/1.35 Arial,Helvetica,sans-serif;color:var(--hd-ink);min-height:44px;letter-spacing:-.035em;overflow-wrap:anywhere}
.boi-hd-page .boi-hd-email-address{display:block;font-size:13px;line-height:1.5;min-height:32px;overflow-wrap:anywhere;margin:3px 0 11px;text-decoration:underline;text-underline-offset:3px}
.boi-hd-page .boi-hd-card-copy .boi-hd-button{font-size:13px;min-height:44px;padding:10px 17px;margin-top:8px}
/* Process */
.boi-hd-page .boi-hd-process{background:var(--hd-cream)}
.boi-hd-page .boi-hd-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:42px;list-style:none;counter-reset:none;margin:28px 0 0;padding:0;position:relative}
.boi-hd-page .boi-hd-steps::before{content:'';position:absolute;left:50px;right:50px;top:80px;height:2px;background:var(--hd-gold)}
.boi-hd-page .boi-hd-steps>li{position:relative;list-style:none;margin:0;padding:28px 23px;background:#fff;border-radius:7px;display:flex;align-items:flex-start;gap:21px;min-width:0}
.boi-hd-page .boi-hd-steps>li::before,.boi-hd-page .boi-hd-steps>li::marker{content:none}
.boi-hd-page .boi-hd-step-number{display:grid;place-items:center;flex:0 0 48px;width:48px;height:48px;border-radius:50%;background:#fcf4df;color:#836017;font:700 21px/1 Arial,Helvetica,sans-serif}
.boi-hd-page .boi-hd-step-body{min-width:0}
.boi-hd-page .boi-hd-step-body>.boi-hd-icon{width:40px;height:40px;color:var(--hd-ink);margin:6px 0 21px}
.boi-hd-page .boi-hd-step-body h3{font-size:22px;margin-bottom:10px}
.boi-hd-page .boi-hd-step-body p{font-size:14px;line-height:1.65;margin:0}
/* Escalation: source wording only, no invented deadline, fee or external destination. */
.boi-hd-page .boi-hd-escalation{padding:28px 0}
.boi-hd-page .boi-hd-escalation-card{border:1px solid var(--hd-border);border-radius:7px;overflow:hidden;display:grid;grid-template-columns:130px minmax(0,1fr) 255px;align-items:stretch}
.boi-hd-page .boi-hd-shield-panel{display:grid;place-items:center;min-height:170px;background:var(--hd-deep);color:var(--hd-gold)}
.boi-hd-page .boi-hd-shield-panel>.boi-hd-icon{width:77px;height:77px;stroke-width:1.5}
.boi-hd-page .boi-hd-escalation-copy{padding:27px 30px;min-width:0}
.boi-hd-page .boi-hd-escalation-copy h2{font-size:clamp(27px,2.35vw,34px);margin-bottom:12px}
.boi-hd-page .boi-hd-escalation-copy p:not(.boi-hd-eyebrow){font-size:14px;margin-bottom:0}
.boi-hd-page .boi-hd-regulator{display:flex;justify-content:center;flex-direction:column;align-items:flex-start;gap:15px;border-left:1px solid var(--hd-border);padding:14px 25px;margin-block:27px;color:var(--hd-deep)}
.boi-hd-page .boi-hd-regulator>.boi-hd-icon{width:48px;height:48px}
.boi-hd-page .boi-hd-regulator p{font-size:14px;margin:0;line-height:1.6}
/* Closing banner. The global footer is deliberately outside this scope. */
.boi-hd-page .boi-hd-cta{position:relative;padding:39px 0;background:var(--hd-deep);color:#fff;isolation:isolate}
.boi-hd-page .boi-hd-cta::before{content:'';position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,var(--hd-deep) 15%,rgba(6,69,55,.85) 55%,var(--hd-deep)),url('../images/reference/business.jpg') 70% 50%/cover;opacity:.65}
.boi-hd-page .boi-hd-cta-layout{display:flex;align-items:center;justify-content:space-between;gap:35px}
.boi-hd-page .boi-hd-cta h2{color:#fff;font-size:clamp(32px,3vw,43px);margin-bottom:8px}
.boi-hd-page .boi-hd-cta p{color:#f0f6f2;margin:0}
.boi-hd-page .boi-hd-cta .boi-hd-button{flex-shrink:0}
.boi-hd-page .boi-hd-admin-notice{font-size:13px;background:#fff9e9;border-left:3px solid var(--hd-gold);padding:13px 16px;margin:18px 0 0}
.boi-hd-page .boi-hd-original{border-top:1px solid var(--hd-border)}
@media(min-width:1450px){.boi-hd-page .boi-hd-hero-layout{grid-template-columns:1.1fr .9fr}.boi-hd-page .boi-hd-hero-media{margin-right:-40px}}
@media(max-width:1100px){.boi-hd-page .boi-hd-hero-layout{grid-template-columns:1.08fr .92fr}.boi-hd-page .boi-hd-actions{gap:10px}.boi-hd-page .boi-hd-button{font-size:13px;padding:12px 16px}.boi-hd-page .boi-hd-contact-card{padding:25px 22px;gap:18px}.boi-hd-page .boi-hd-round-icon{flex-basis:68px;width:68px;height:68px}.boi-hd-page .boi-hd-round-icon .boi-hd-icon{width:32px;height:32px}.boi-hd-page .boi-hd-steps{gap:22px}.boi-hd-page .boi-hd-steps>li{padding:24px 18px;gap:14px}.boi-hd-page .boi-hd-step-number{flex-basis:40px;width:40px;height:40px;font-size:18px}.boi-hd-page .boi-hd-step-body h3{font-size:21px}.boi-hd-page .boi-hd-escalation-card{grid-template-columns:95px minmax(0,1fr) 195px}.boi-hd-page .boi-hd-shield-panel>.boi-hd-icon{width:57px;height:57px}.boi-hd-page .boi-hd-escalation-copy{padding:25px 23px}.boi-hd-page .boi-hd-regulator{padding-inline:20px}}
@media(max-width:850px){.boi-hd-page .boi-hd-contact-card{flex-direction:column;gap:18px}.boi-hd-page .boi-hd-steps>li{flex-direction:column}.boi-hd-page .boi-hd-step-body>.boi-hd-icon{margin-bottom:16px}.boi-hd-page .boi-hd-escalation-card{grid-template-columns:85px minmax(0,1fr)}.boi-hd-page .boi-hd-regulator{grid-column:2;flex-direction:row;align-items:center;justify-content:flex-start;margin:0 23px 22px;padding:18px 0 0;border-left:0;border-top:1px solid var(--hd-border)}.boi-hd-page .boi-hd-shield-panel{grid-row:1/3}}
@media(max-width:760px){.boi-hd-page .boi-hd-wrap{width:calc(100% - 40px)}.boi-hd-page .boi-hd-section{padding:42px 0}.boi-hd-page .boi-hd-hero-layout{display:flex;flex-direction:column;gap:0;min-height:0}.boi-hd-page .boi-hd-hero-copy{padding:22px 0 30px;width:100%}.boi-hd-page h1{font-size:clamp(43px,7.5vw,57px);max-width:530px}.boi-hd-page .boi-hd-breadcrumb{margin-bottom:23px}.boi-hd-page .boi-hd-tagline{font-size:27px}.boi-hd-page .boi-hd-hero-intro{max-width:550px}.boi-hd-page .boi-hd-actions{margin-top:22px}.boi-hd-page .boi-hd-hero-media{height:370px;min-height:370px;width:100%;border-radius:9px 9px 0 0;overflow:hidden}.boi-hd-page .boi-hd-hero-media .boi-hd-portrait{object-fit:contain;object-position:center top;background:#e6e8e6}.boi-hd-page .boi-hd-photo-fade{background:linear-gradient(0deg,rgba(6,69,55,.13),transparent 60%)}.boi-hd-page .boi-hd-response-badge{bottom:18px;right:16px;padding:15px 20px;max-width:280px}.boi-hd-page .boi-hd-response-badge>.boi-hd-icon{width:35px;height:35px}.boi-hd-page .boi-hd-response-badge p::after{margin-top:7px}.boi-hd-page .boi-hd-contact-grid{grid-template-columns:1fr}.boi-hd-page .boi-hd-contact-card{flex-direction:row;padding:24px;gap:22px}.boi-hd-page .boi-hd-steps{grid-template-columns:1fr;gap:18px;margin-top:23px}.boi-hd-page .boi-hd-steps::before{width:2px;height:auto;top:35px;bottom:35px;left:44px;right:auto}.boi-hd-page .boi-hd-steps>li{flex-direction:row;padding:25px;gap:22px}.boi-hd-page .boi-hd-step-body h3{font-size:23px}.boi-hd-page .boi-hd-step-body>.boi-hd-icon{margin-top:0;margin-bottom:13px}.boi-hd-page .boi-hd-cta-layout{align-items:flex-start;flex-direction:column;gap:23px}.boi-hd-page .boi-hd-escalation{padding:26px 0}.boi-hd-page .boi-hd-lead{font-size:15px}}
@media(max-width:430px){.boi-hd-page{font-size:15px}.boi-hd-page .boi-hd-wrap{width:calc(100% - 32px)}.boi-hd-page h1{font-size:44px}.boi-hd-page h2{font-size:31px}.boi-hd-page .boi-hd-eyebrow{font-size:10px;gap:12px}.boi-hd-page .boi-hd-actions{flex-direction:column;align-items:stretch}.boi-hd-page .boi-hd-actions .boi-hd-button{width:100%;font-size:14px}.boi-hd-page .boi-hd-hero-media{height:345px;min-height:345px}.boi-hd-page .boi-hd-contact-card{padding:23px 20px;gap:17px;flex-direction:column}.boi-hd-page .boi-hd-round-icon{width:61px;height:61px;flex-basis:61px}.boi-hd-page .boi-hd-phone-number{font-size:29px}.boi-hd-page .boi-hd-card-copy{width:100%}.boi-hd-page .boi-hd-escalation-card{grid-template-columns:1fr}.boi-hd-page .boi-hd-shield-panel{grid-row:auto;min-height:90px}.boi-hd-page .boi-hd-shield-panel>.boi-hd-icon{width:52px;height:52px}.boi-hd-page .boi-hd-regulator{grid-column:1}.boi-hd-page .boi-hd-escalation-copy h2{font-size:29px}.boi-hd-page .boi-hd-steps>li{padding:23px 18px;gap:17px}.boi-hd-page .boi-hd-step-body h3{font-size:22px}.boi-hd-page .boi-hd-cta h2{font-size:34px}}
@media(prefers-reduced-motion:reduce){.boi-hd-page *{transition:none!important;scroll-behavior:auto!important}}
@media print{.boi-hd-page .boi-hd-hero-media,.boi-hd-page .boi-hd-cta{display:none}.boi-hd-page .boi-hd-hero-layout{display:block;min-height:0}.boi-hd-page .boi-hd-section{padding:20px 0}.boi-hd-page .boi-hd-wrap{width:100%}.boi-hd-page .boi-hd-button{border:1px solid #999}.boi-hd-page .boi-hd-steps>li{break-inside:avoid}.boi-hd-page .boi-hd-contact-card{break-inside:avoid}}