/* ===============================
   Methodology
================================ */
.methodology {
  background: #f1f3f5;
  padding: 25px;
  border-radius: 8px;
  margin: 30px 0;
}

/* ===============================
   Insurance Card
================================ */
.insurance-card {
  background: #fefefe;
  border-left: 5px solid #3b82f6;
  padding: 26px;
  border-radius: 0 10px 10px 0;
  margin: 34px 0;
  box-shadow: 0 6px 18px rgba(0,0,0,0.05);
}

.insurance-card h3 {
  font-size: 20px;
  margin-bottom: 8px;
}

.insurance-card p {
  line-height: 1.7;
}

/* ===============================
   Pros / Cons
================================ */
.insurance-pros-cons {
  display: flex;
  gap: 30px;
  margin-top: 18px;
  flex-wrap: wrap;
}

.pros h4 { color: #16a34a; }
.cons h4 { color: #dc2626; }

/* ===============================
   Notes & Verdict
================================ */
.coverage-note {
  background: #fff3cd;
  color: #856404;
  padding: 12px;
  border-radius: 6px;
  font-size: 14px;
  margin: 14px 0;
}

.verdict {
  background: #f8fafc;
  padding: 26px;
  border-radius: 10px;
  margin: 40px 0;
}

/* ===============================
   Responsive
================================ */
@media (max-width: 768px) {
  .insurance-pros-cons {
    flex-direction: column;
  }
}