.hgi-claims,
.hgi-claims * { box-sizing: border-box; }
.hgi-claims {
    max-width: 1180px;
    margin: 0 auto;
    padding: 36px 24px 64px;
    color: #222;
    font-family: "Segoe UI", Arial, sans-serif;
    font-size: 15px;
    line-height: 1.4;
}
.hgi-claims .hgi-layout {
    display: grid;
    grid-template-columns: minmax(280px, 2fr) minmax(360px, 3fr);
    align-items: stretch;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}
.hgi-claims .hgi-intro {
    padding: 48px 40px 48px 32px;
    background: #fdf0f0;
}
.hgi-claims .hgi-intro h1 {
    margin: 0 0 18px;
    font-size: 28px;
    line-height: 1.3;
    font-weight: 700;
    color: #1a1a1a;
}
.hgi-claims .hgi-lead {
    margin: 0 0 28px;
    color: #333;
}
.hgi-claims .hgi-intro-steps {
    list-style: none;
    margin: 0 0 32px;
    padding: 0;
    display: grid;
    gap: 22px;
}
.hgi-claims .hgi-intro-steps li {
    display: grid;
    grid-template-columns: 34px 1fr;
    column-gap: 26px;
}
.hgi-claims .hgi-intro-icon {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    background: #ff0000;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
}
.hgi-claims .hgi-intro-icon svg { width: 16px; height: 16px; }
.hgi-claims .hgi-intro-steps h2 {
    margin: 2px 0 10px;
    font-size: 20px;
    font-weight: 500;
    color: #1a1a1a;
}
.hgi-claims .hgi-intro-steps p {
    margin: 0;
    color: #333;
    line-height: 1.7;
}
.hgi-claims .hgi-intro-contact { margin: 0; color: #333; }
.hgi-claims .hgi-intro-contact a {
    display: inline-block;
    margin-top: 4px;
    font-size: 18px;
    font-weight: 500;
    color: #1a1a1a;
    text-decoration: none;
}
.hgi-claims .hgi-intro-contact a:hover { text-decoration: underline; }
.hgi-claims .hgi-form-card {
    background: #fff;
    padding: 40px 42px 48px;
    min-height: 100%;
}
.hgi-claims .hgi-stepper {
    display: flex;
    align-items: flex-start;
    margin: 8px 0 36px;
}
.hgi-claims .hgi-step {
    width: 92px;
    flex: 0 0 92px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}
.hgi-claims .hgi-bubble {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    background: #fff;
    border: 2px solid #c8c8c8;
    color: #9a9a9a;
}
.hgi-claims .hgi-step-label {
    margin-top: 8px;
    font-size: 14px;
    color: #9a9a9a;
}
.hgi-claims .hgi-step.is-done .hgi-bubble {
    background: #2eae4f;
    border-color: #2eae4f;
    color: #fff;
}
.hgi-claims .hgi-step.is-done .hgi-step-label { color: #2eae4f; }
.hgi-claims .hgi-step.is-current .hgi-bubble {
    background: #fff;
    border-color: #ff0000;
    color: #ff0000;
}
.hgi-claims .hgi-step.is-current .hgi-step-label { color: #ff0000; }
.hgi-claims .hgi-connector {
    flex: 1;
    height: 8px;
    margin-top: 16px;
    background: #c5c5c5;
    border-radius: 4px;
}
.hgi-claims .hgi-panel[hidden] { display: none; }
.hgi-claims .hgi-grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px 28px;
}
.hgi-claims .hgi-field { margin-bottom: 18px; }
.hgi-claims .hgi-lbl,
.hgi-claims .hgi-group-label {
    display: block;
    margin-bottom: 8px;
    font-weight: 500;
    color: #1a1a1a;
}
.hgi-claims .hgi-req { color: #ff0000; }
.hgi-claims input[type="text"],
.hgi-claims input[type="email"],
.hgi-claims input[type="tel"],
.hgi-claims input[type="date"],
.hgi-claims input[type="time"],
.hgi-claims select,
.hgi-claims textarea {
    width: 100%;
    border: 1px solid #d5d5d5;
    border-radius: 8px;
    padding: 12px 14px;
    font: inherit;
    color: #222;
    background: #fff;
    box-shadow: none;
}
.hgi-claims textarea {
    min-height: 96px;
    resize: vertical;
}
.hgi-claims input::placeholder,
.hgi-claims textarea::placeholder { color: #b0b0b0; }
.hgi-claims input:focus,
.hgi-claims select:focus,
.hgi-claims textarea:focus {
    outline: none;
    border-color: #b5b5b5;
}
.hgi-claims .invalid,
.hgi-claims .hgi-file-box.invalid {
    border-color: #ff0000 !important;
}
.hgi-claims .hgi-error {
    margin: 6px 0 0;
    color: #ff0000;
    font-size: 13px;
}
.hgi-claims .hgi-check-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 16px;
}
.hgi-claims .hgi-check-line a {
    color: #1a73e8;
    text-decoration: underline;
}
.hgi-claims .hgi-check-row label,
.hgi-claims .hgi-check-line {
    display: inline-flex;
    align-items: flex-start;
    gap: 8px;
    font-weight: 400;
    cursor: pointer;
}
.hgi-claims input[type="checkbox"] {
    width: 16px;
    height: 16px;
    margin-top: 2px;
    accent-color: #1a73e8;
    flex: 0 0 auto;
}
.hgi-claims .hgi-file-box {
    border: 1px solid #d5d5d5;
    border-radius: 8px;
    padding: 8px 12px;
    background: #fff;
}
.hgi-claims .hgi-file-box input[type="file"] {
    font: inherit;
    font-size: 14px;
    max-width: 100%;
    width: auto;
    border: 0;
    padding: 0;
    background: transparent;
}
.hgi-claims .hgi-actions {
    display: grid;
    gap: 16px;
    margin-top: 28px;
}
.hgi-claims .hgi-actions.hgi-split { grid-template-columns: 1fr 1fr; }
.hgi-claims .hgi-btn {
    appearance: none;
    border: 0;
    background: #ff0000;
    color: #fff;
    border-radius: 4px;
    min-height: 48px;
    width: 100%;
    font: inherit;
    font-size: 16px;
    line-height: 1.2;
    cursor: pointer;
    padding: 12px 16px;
}
.hgi-claims .hgi-btn:hover { background: #e00000; color: #fff; }
.hgi-claims .hgi-btn:disabled { opacity: 0.7; cursor: default; }
.hgi-claims .hgi-banner {
    margin-bottom: 18px;
    padding: 12px 14px;
    border-radius: 6px;
    background: #e8f6ec;
    color: #146c2e;
}
.hgi-claims .hgi-banner.error {
    background: #fdecea;
    color: #b00000;
}
@media (max-width: 900px) {
    .hgi-claims .hgi-layout { grid-template-columns: 1fr; }
    .hgi-claims .hgi-intro { padding: 32px 24px 8px; }
    .hgi-claims .hgi-form-card { padding: 32px 20px 40px; }
}
@media (max-width: 700px) {
    .hgi-claims .hgi-grid-2,
    .hgi-claims .hgi-actions.hgi-split { grid-template-columns: 1fr; }
    .hgi-claims .hgi-step { width: 72px; flex-basis: 72px; }
    .hgi-claims .hgi-step-label { font-size: 13px; }
}