/* Approved colour-block product system. CTA styles remain owned by cta-panels.css. */
.product-template{--product-shadow:0 12px 28px #12304324,0 4px 9px #12304314}
.product-template .ins-hero,.product-template .pmi-hero{background:#faf7ee;color:var(--navy);padding-top:28px}
.product-template .ins-hero h1,.product-template .pmi-hero h1,.product-template .ins-hero .crumb,.product-template .pmi-hero .crumb{color:var(--navy)}
.product-template .ins-hero-copy>p:not(.eyebrow),.product-template .pmi-hero-copy>p:not(.eyebrow),.product-template .advice-hero>.wrap>p:not(.eyebrow){color:#405a6b}
.product-template .ins-hero .eyebrow,.product-template .pmi-hero .eyebrow{color:#254634}
.product-template .eyebrow:before{background:#b9e36d}
.product-template .ins-jump,.product-template .pmi-jump{background:#e5f3ec;border:0;border-radius:14px;padding:20px 24px;color:#123043;gap:14px 24px;margin-top:28px}
.product-template .ins-jump a,.product-template .pmi-jump a{color:#123043}
.product-template .ins-jump a:hover,.product-template .pmi-jump a:hover{color:#28643d;text-decoration:underline}
.product-template .ins-brand{border-radius:18px;background:#e5f3ec;padding:30px}
.product-template .product-band{padding:46px 0;background:#faf7ee}
.product-template .product-band.product-mint{background:#e5f3ec}
.product-template .product-band.product-white{background:#fff}
.product-template .product-band h2{max-width:900px;font-size:clamp(28px,3vw,39px);line-height:1.13;margin-bottom:22px}
.product-template .product-band h2:before{content:'';display:block;width:38px;height:4px;border-radius:2px;background:#b9e36d;margin-bottom:16px}
.product-template .product-band p{line-height:1.75;font-size:16px}
.product-template .product-band>.ins-container+.ins-container,.product-template .product-band>.pmi-container+.pmi-container{margin-top:24px}
.product-template .product-grid{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;align-items:stretch;counter-reset:product-cards}
.product-template .product-grid:has(>.product-card:nth-child(3):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}
.product-template .product-card{min-width:0!important;width:auto!important;max-width:none!important;margin:0!important;padding:26px!important;border:1px solid #1230430b!important;border-top:3px solid #b9e36d!important;border-radius:16px!important;background:#fff!important;box-shadow:var(--product-shadow);color:#405a6b}
.product-template .product-card h2,.product-template .product-card h3,.product-template .product-card h4{font-size:23px;line-height:1.25;color:#123043}
.product-template .product-card h2:before{display:none}
.product-template .product-card p{color:#405a6b;font-size:15px}
.product-template .product-card>.ins-item{padding:0;border:0;background:none}
.product-template .product-card .ins-container{width:100%;padding:0}
.product-template .product-card .ins-grid{display:block}
.product-template .product-card .ins-item{box-shadow:none;border-radius:0}
.product-template .product-spacer{display:none!important}
.product-template .product-prose-columns{columns:2;column-gap:36px;column-rule:1px solid #12304316}
.product-template .product-prose-columns>p{break-inside:avoid;margin-bottom:20px}
.product-template .product-intro{background:#123043!important;color:#fff}
.product-template .product-intro h2,.product-template .product-intro h3,.product-template .product-intro h4,.product-template .product-intro p,.product-template .product-intro .ins-bold{color:#fff}
.product-template .product-intro a{color:#c7ed9a}
.product-template .product-intro .product-card h2,.product-template .product-intro .product-card h3,.product-template .product-intro .product-card h4,.product-template .product-intro .product-card .ins-bold{color:#123043}
.product-template .product-intro .product-card p{color:#405a6b}
.product-template .product-intro .product-card a{color:#28643d}
.product-template .product-band.ins-original-cta{background:#123043;color:#fff}
.product-template .product-band.ins-original-cta p,.product-template .product-band.ins-original-cta h2{color:#fff}
.product-template .spec-faq-item,.product-template .pmi-faq-layout details{border-radius:10px;background:#fff;box-shadow:0 3px 12px #12304307;margin-bottom:10px}
.product-template .product-card .ins-item p{color:#405a6b}
@media(max-width:900px){.product-template .product-grid:has(>.product-card:nth-child(3):last-child){grid-template-columns:repeat(2,minmax(0,1fr))}.product-template .product-card{padding:22px!important}}
@media(max-width:650px){.product-template .product-grid,.product-template .product-grid:has(>.product-card:nth-child(3):last-child){grid-template-columns:1fr}.product-template .product-prose-columns{columns:1}.product-template .product-band{padding:32px 0}.product-template .product-band h2{font-size:29px}.product-template .product-card{padding:22px!important}.product-template .ins-jump,.product-template .pmi-jump{padding:18px;gap:14px}.product-template .product-card h2,.product-template .product-card h3{font-size:22px}}
.product-template .product-grid>.product-card{grid-column:auto}
.product-template .product-intro .ins-item:not(.product-card){background:transparent;color:#fff}
.product-template .product-intro .ins-item:not(.product-card) p{color:#fff}
.product-template .product-intro .product-card .ins-item p{color:#405a6b}
.product-template .product-intro .product-card .ins-item .ins-bold{color:#123043}
/* Pair text colours with their actual surface, overriding legacy dark-section text. */
.product-template .product-band{--surface-heading:#123043;--surface-copy:#405a6b;color:var(--surface-copy)}
.product-template .product-band.product-intro,.product-template .product-band.ins-original-cta{--surface-heading:#fff;--surface-copy:#e0ebef;background:#123043!important}
.product-template .product-band .pmi-adviser,.product-template .product-band .quotes-contact-card,.product-template .spec-adviser-reviews>.ins-container>div:first-child,.product-template .pmi-section-10 .pmi-container:last-child{--surface-heading:#fff;--surface-copy:#e0ebef}
.product-template .product-band .ins-review .ins-item,.product-template .product-band.ins-review .ins-item,.product-template .product-band .pmi-card{--surface-heading:#123043;--surface-copy:#405a6b;background:#fff;color:var(--surface-copy)}
.product-template .product-band .product-card,.product-template .product-band details{--surface-heading:#123043;--surface-copy:#405a6b;color:var(--surface-copy)}
.product-template .product-band :is(h2,h3,h4,h5,h6,.ins-bold,summary){color:var(--surface-heading)!important}
.product-template .product-band :is(p,li,blockquote,figcaption){color:var(--surface-copy)!important}
.product-template .product-band :is(h2,h3,h4,h5,h6) :is(em,span,strong){color:inherit!important}
.product-template .product-band p :is(em,span,strong){color:inherit!important}
.product-template .product-band .ins-item{color:var(--surface-copy)}
.product-template .product-band.ins-review a:not(.button):not(.spec-button){color:#28643d}