:root {
    --sch-red: #d71920;
    --sch-red-dark: #aa1016;
    --sch-dark: #15191f;
    --sch-text: #191b20;
    --sch-muted: #62666d;
    --sch-soft: #f6f7f9;
    --sch-border: #e6e8ec;
    --sch-white: #ffffff;
    --sch-shadow: 0 18px 50px rgba(18, 24, 32, .10);
}

.sch-page {
    color: var(--sch-text);
    font-family: "Poppins", Arial, sans-serif;
    overflow: hidden;
}

.sch-page *,
.sch-page *::before,
.sch-page *::after {
    box-sizing: border-box;
}

.sch-container {
    width: min(1180px, calc(100% - 32px));
    margin-inline: auto;
}

/* Hero image is always an HTML <img>, never a CSS background. */
.sch-hero {
    position: relative;
    min-height: 620px;
    display: flex;
    align-items: center;
    overflow: hidden;
    color: var(--sch-white);
    background: #10151c;
}

.sch-hero-media,
.sch-hero-overlay {
    position: absolute;
    inset: 0;
}

.sch-hero-media {
    z-index: 0;
}

.sch-hero-media img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
    object-position: center;
}

.sch-hero-overlay {
    z-index: 1;
    background: linear-gradient(
        90deg,
        rgba(8, 13, 20, .94) 0%,
        rgba(8, 13, 20, .79) 48%,
        rgba(8, 13, 20, .26) 100%
    );
}

.sch-hero::after {
    content: "";
    position: absolute;
    z-index: 2;
    right: 0;
    bottom: 0;
    left: 0;
    height: 120px;
    pointer-events: none;
    background: linear-gradient(transparent, #fff);
}

.sch-hero-inner {
    position: relative;
    z-index: 3;
    max-width: 790px;
    padding: 100px 0 150px;
}

.sch-kicker {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 8px 14px;
    border: 1px solid rgba(255, 255, 255, .32);
    border-radius: 999px;
    background: rgba(255, 255, 255, .10);
    font-size: 13px;
    font-weight: 650;
    letter-spacing: .07em;
    text-transform: uppercase;
    backdrop-filter: blur(5px);
}

.sch-hero h1 {
    max-width: 900px;
    margin: 22px 0 18px;
    color: #fff;
    font-size: clamp(40px, 5.6vw, 70px);
    font-weight: 750;
    line-height: 1.08;
    letter-spacing: -.03em;
}

.sch-hero h1 span {
    color: #ff4248;
}

.sch-hero p {
    max-width: 700px;
    margin: 0;
    color: rgba(255, 255, 255, .88);
    font-size: 18px;
    line-height: 1.8;
}

.sch-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 30px;
}

.sch-btn {
    min-height: 52px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 0 23px;
    border: 1px solid transparent;
    border-radius: 9px;
    font-weight: 650;
    line-height: 1;
    text-decoration: none;
    transition: transform .25s ease, background .25s ease,
                color .25s ease, box-shadow .25s ease;
}

.sch-btn-primary {
    color: #fff;
    background: var(--sch-red);
}

.sch-btn-primary:hover {
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(215, 25, 32, .32);
}

.sch-btn-outline {
    color: #fff;
    border-color: rgba(255, 255, 255, .55);
    background: rgba(255, 255, 255, .07);
}

.sch-btn-outline:hover {
    color: #111;
    background: #fff;
}

/* Highlight strip */
.sch-trust {
    position: relative;
    z-index: 4;
    margin-top: -65px;
}

.sch-trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    overflow: hidden;
    border-radius: 18px;
    background: #fff;
    box-shadow: var(--sch-shadow);
}

.sch-trust-item {
    min-width: 0;
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 27px 22px;
    border-right: 1px solid var(--sch-border);
}

.sch-trust-item:last-child {
    border-right: 0;
}

.sch-trust-icon {
    width: 48px;
    height: 48px;
    flex: 0 0 48px;
    display: grid;
    place-items: center;
    border-radius: 13px;
    color: var(--sch-red);
    background: #fff0f1;
    font-size: 13px;
    font-weight: 800;
}

.sch-trust-item strong {
    display: block;
    color: var(--sch-dark);
    font-size: 15px;
    line-height: 1.35;
}

.sch-trust-item span:not(.sch-trust-icon) {
    display: block;
    margin-top: 3px;
    color: var(--sch-muted);
    font-size: 12px;
    line-height: 1.45;
}

/* Standard content sections */
.sch-section {
    padding: 92px 0;
}

.sch-section-soft {
    background: var(--sch-soft);
}

.sch-section-head {
    text-align: center;
}

.sch-eyebrow {
    margin-bottom: 11px;
    color: var(--sch-red);
    font-size: 13px;
    font-weight: 750;
    letter-spacing: .12em;
    text-transform: uppercase;
}

.sch-heading {
    margin: 0 0 20px;
    color: var(--sch-dark);
    font-size: clamp(31px, 4vw, 48px);
    font-weight: 730;
    line-height: 1.2;
    letter-spacing: -.02em;
}

.sch-lead {
    color: var(--sch-muted);
    font-size: 17px;
    line-height: 1.85;
}

.sch-two-col {
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    align-items: center;
    gap: 65px;
}

.sch-two-col-top {
    align-items: start;
}

.sch-content-narrow {
    max-width: 920px;
    margin-inline: auto;
}

.sch-content p {
    margin: 0 0 18px;
    color: var(--sch-muted);
    font-size: 16px;
    line-height: 1.86;
}

.sch-content p:last-child {
    margin-bottom: 0;
}

.sch-link {
    color: var(--sch-red);
    font-weight: 650;
    text-decoration: none;
}

.sch-link:hover {
    color: var(--sch-red-dark);
    text-decoration: underline;
}

.sch-image-card {
    position: relative;
}

.sch-image-card > img {
    width: 100%;
    min-height: 440px;
    display: block;
    object-fit: cover;
    border-radius: 22px;
    box-shadow: var(--sch-shadow);
}

.sch-image-note {
    position: absolute;
    bottom: 28px;
    left: -32px;
    max-width: 270px;
    padding: 20px 22px;
    border-radius: 15px;
    background: #fff;
    box-shadow: var(--sch-shadow);
}

.sch-image-note strong {
    display: block;
    margin-bottom: 5px;
    color: var(--sch-dark);
    font-size: 18px;
}

.sch-image-note span {
    display: block;
    color: var(--sch-muted);
    font-size: 13px;
    line-height: 1.55;
}

/* Process cards */
.sch-process {
    counter-reset: sch-step;
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 14px;
    margin-top: 45px;
}

.sch-step {
    counter-increment: sch-step;
    position: relative;
    min-width: 0;
    padding: 25px 19px 23px;
    border: 1px solid var(--sch-border);
    border-radius: 15px;
    background: #fff;
    transition: transform .25s ease, box-shadow .25s ease,
                border-color .25s ease;
}

.sch-step:hover {
    transform: translateY(-4px);
    border-color: transparent;
    box-shadow: var(--sch-shadow);
}

.sch-step::before {
    content: "0" counter(sch-step);
    display: block;
    margin-bottom: 20px;
    color: var(--sch-red);
    font-size: 13px;
    font-weight: 800;
}

.sch-step h3 {
    margin: 0 0 9px;
    color: var(--sch-dark);
    font-size: 16px;
    line-height: 1.4;
}

.sch-step p {
    margin: 0;
    color: var(--sch-muted);
    font-size: 13px;
    line-height: 1.68;
}

.sch-step .sch-link {
    font-size: inherit;
}

/* Benefit checklist */
.sch-checks {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin-top: 28px;
}

.sch-check {
    position: relative;
    min-height: 66px;
    display: flex;
    align-items: flex-start;
    padding: 19px 20px 19px 54px;
    border: 1px solid var(--sch-border);
    border-radius: 13px;
    background: #fff;
}

.sch-check::before {
    content: "✓";
    position: absolute;
    top: 19px;
    left: 20px;
    width: 23px;
    height: 23px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    color: #fff;
    background: var(--sch-red);
    font-size: 12px;
    font-weight: 800;
}

.sch-check span {
    color: var(--sch-dark);
    font-size: 14px;
    line-height: 1.65;
}

/* Dark content section */
.sch-dark {
    background: #14181f;
}

.sch-dark .sch-heading {
    color: #fff;
}

.sch-dark .sch-lead,
.sch-dark .sch-content p {
    color: #b8bdc6;
}

.sch-dark .sch-image-card > img {
    box-shadow: 0 18px 50px rgba(0, 0, 0, .28);
}

.sch-dark-copy {
    margin-top: 36px;
}

.sch-category-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    margin-top: 38px;
}

.sch-category {
    padding: 25px;
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 15px;
    background: rgba(255, 255, 255, .04);
    transition: transform .25s ease, background .25s ease;
}

.sch-category:hover {
    transform: translateY(-4px);
    background: rgba(255, 255, 255, .07);
}

.sch-category h3 {
    margin: 0 0 9px;
    color: #fff;
    font-size: 18px;
}

.sch-category p {
    margin: 0;
    color: #b8bdc6;
    font-size: 14px;
    line-height: 1.72;
}

/* FAQ */
.sch-faq {
    max-width: 900px;
    margin: 38px auto 0;
}

.sch-faq-item {
    overflow: hidden;
    margin-bottom: 12px;
    border: 1px solid var(--sch-border);
    border-radius: 13px;
    background: #fff;
}

.sch-faq-q {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    padding: 20px 22px;
    border: 0;
    color: var(--sch-dark);
    background: #fff;
    font-family: inherit;
    font-size: 16px;
    font-weight: 650;
    line-height: 1.5;
    text-align: left;
    cursor: pointer;
}

.sch-faq-q i {
    width: 28px;
    height: 28px;
    flex: 0 0 28px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    color: var(--sch-red);
    background: #fff0f1;
    font-style: normal;
    transition: transform .2s ease;
}

.sch-faq-q[aria-expanded="true"] i {
    transform: rotate(45deg);
}

.sch-faq-a {
    display: none;
    padding: 0 22px 20px;
    color: var(--sch-muted);
    font-size: 14px;
    line-height: 1.76;
}

/* CTA */
.sch-cta {
    padding: 78px 0;
    color: #fff;
    background: linear-gradient(115deg, #a90f15, #e31b23);
}

.sch-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
}

.sch-cta h2 {
    margin: 0 0 12px;
    color: #fff;
    font-size: clamp(30px, 4vw, 47px);
    line-height: 1.2;
}

.sch-cta p {
    max-width: 700px;
    margin: 0;
    color: rgba(255, 255, 255, .86);
    line-height: 1.75;
}

.sch-cta-actions {
    flex: 0 0 auto;
    margin-top: 0;
}

.sch-cta .sch-btn {
    white-space: nowrap;
    color: #b21117;
    background: #fff;
}

.sch-cta .sch-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 34px rgba(0, 0, 0, .2);
}

.sch-cta .sch-btn-cta-outline {
    color: #fff;
    border-color: rgba(255, 255, 255, .6);
    background: transparent;
}

.sch-cta .sch-btn-cta-outline:hover {
    color: #b21117;
    background: #fff;
}

/* Tablet */
@media (max-width: 991px) {
    .sch-hero {
        min-height: 560px;
    }

    .sch-trust-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .sch-trust-item:nth-child(2) {
        border-right: 0;
    }

    .sch-trust-item:nth-child(-n+2) {
        border-bottom: 1px solid var(--sch-border);
    }

    .sch-two-col {
        grid-template-columns: 1fr;
        gap: 42px;
    }

    .sch-image-card {
        max-width: 760px;
    }

    .sch-process {
        grid-template-columns: repeat(2, 1fr);
    }

    .sch-category-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .sch-cta-inner {
        display: block;
    }

    .sch-cta-actions {
        margin-top: 26px;
    }
}

/* Mobile */
@media (max-width: 575px) {
    .sch-container {
        width: min(100% - 22px, 1180px);
    }

    .sch-hero {
        min-height: 610px;
    }

    .sch-hero-media img {
        object-position: 62% center;
    }

    .sch-hero-inner {
        padding: 112px 0 120px;
    }

    .sch-hero h1 {
        font-size: 38px;
    }

    .sch-hero p {
        font-size: 15px;
        line-height: 1.72;
    }

    .sch-actions {
        display: grid;
    }

    .sch-btn {
        width: 100%;
    }

    .sch-trust {
        margin-top: -52px;
    }

    .sch-trust-grid,
    .sch-process,
    .sch-checks,
    .sch-category-grid {
        grid-template-columns: 1fr;
    }

    .sch-trust-item {
        padding: 18px;
        border-right: 0 !important;
        border-bottom: 1px solid var(--sch-border) !important;
    }

    .sch-trust-item:last-child {
        border-bottom: 0 !important;
    }

    .sch-section {
        padding: 68px 0;
    }

    .sch-heading {
        font-size: 31px;
    }

    .sch-lead {
        font-size: 15px;
    }

    .sch-image-card > img {
        min-height: 290px;
    }

    .sch-image-note {
        position: relative;
        bottom: auto;
        left: auto;
        margin: -35px 14px 0;
    }

    .sch-step {
        padding: 22px;
    }

    .sch-cta {
        padding: 60px 0;
    }

    .sch-cta h2 {
        font-size: 31px;
    }

    .sch-cta-actions {
        display: grid;
    }
}