/* compare-loans.css — Insurance comparison page (extends shared.css) */
:root { --cat-color: hsl(210, 90%, 52%); }

/* ========== HERO ========== */
.ins-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1a2744 50%, #0f172a 100%);
  border-bottom: 1px solid #1e293b;
  padding: 4.5rem 1.5rem 3.5rem;
  position: relative;
  overflow: hidden;
}
.ins-hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 50%, rgba(255,106,0,0.12) 0%, transparent 50%),
    radial-gradient(circle at 80% 30%, rgba(59,130,246,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.ins-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.ins-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,106,0,0.12);
  color: #fb923c;
  border: 1px solid rgba(255,106,0,0.25);
  border-radius: 999px;
  padding: 0.3rem 0.9rem;
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 0.85rem;
  letter-spacing: 0.02em;
}
.ins-hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  color: white;
  line-height: 1.15;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
  max-width: 600px;
}
.ins-hero p {
  color: #94a3b8;
  font-size: 1.05rem;
  line-height: 1.65;
  max-width: 560px;
  margin-bottom: 1.5rem;
}
.ins-hero-actions {
  display: flex;
  gap: 0.65rem;
  flex-wrap: wrap;
}

/* ========== SECTIONS ========== */
.ins-section {
  padding: 4rem 1.5rem;
}
.ins-section-alt {
  background: white;
}
.ins-section-inner {
  max-width: 1280px;
  margin: 0 auto;
}
.ins-section-title {
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.02em;
  margin-bottom: 0.5rem;
}
.ins-section-sub {
  color: var(--muted-fg);
  font-size: 0.95rem;
  margin-bottom: 2rem;
}
.ins-section-intro {
  color: var(--muted-fg);
  font-size: 0.95rem;
  line-height: 1.75;
  max-width: 800px;
  margin-bottom: 1rem;
}

/* Why it matters box */
.ins-why-box {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
  margin-top: 1.5rem;
}
.ins-why-box h3 {
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 0.75rem;
  color: var(--foreground);
}
.ins-why-box ul {
  padding-left: 1.25rem;
  color: var(--muted-fg);
  font-size: 0.9rem;
  line-height: 1.8;
}
.ins-why-box li { margin-bottom: 0.25rem; }
.ins-why-box li::marker { color: var(--primary); }

/* Bullet list */
.ins-bullet-list {
  padding-left: 1.25rem;
  color: var(--muted-fg);
  font-size: 0.9rem;
  line-height: 1.8;
}
.ins-bullet-list li { margin-bottom: 0.25rem; }
.ins-bullet-list li::marker { color: var(--primary); }

/* Intro box */
.ins-intro-box {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.7;
}
.ins-intro-box strong { color: var(--foreground); }

/* ========== CARD GRID ========== */
.ins-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(260px, 100%), 1fr));
  gap: 1.25rem;
}
.ins-card-grid-3 {
  grid-template-columns: repeat(auto-fill, minmax(min(300px, 100%), 1fr));
}
.ins-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: all 0.22s;
  position: relative;
  overflow: hidden;
}
.ins-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--primary);
  opacity: 0;
  transition: opacity 0.2s;
}
.ins-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.ins-card:hover::before { opacity: 1; }
.ins-card-icon {
  font-size: 2rem;
  margin-bottom: 0.85rem;
  display: block;
}
.ins-card h3 {
  font-size: 1.05rem;
  font-weight: 800;
  margin-bottom: 0.4rem;
  color: var(--foreground);
  letter-spacing: -0.01em;
}
.ins-card p {
  font-size: 0.875rem;
  color: var(--muted-fg);
  line-height: 1.65;
  margin-bottom: 0;
}
.ins-card-tall {
  padding: 2rem;
}
.ins-card-tall h3 { margin-bottom: 0.75rem; }
.ins-card-tall p { margin-bottom: 0.75rem; }
.ins-card-tall p:last-child { margin-bottom: 0; }
.ins-card-tall ul { list-style: disc; }
.ins-card-tall li {
  font-size: 0.9rem;
  color: var(--muted-fg);
  line-height: 1.7;
  margin-bottom: 0.15rem;
}

/* Cover levels inside boda card */
.ins-cover-levels {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 0.5rem;
}
.ins-level {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1rem 1.25rem;
}
.ins-level-title {
  font-weight: 800;
  font-size: 0.88rem;
  color: var(--foreground);
  margin-bottom: 0.5rem;
}
.ins-level-covers {
  font-size: 0.85rem;
  color: var(--muted-fg);
  line-height: 1.6;
}
.ins-level-covers ul {
  padding-left: 1.1rem;
  margin: 0.25rem 0 0.5rem;
}
.ins-level-covers li {
  margin-bottom: 0.1rem;
  line-height: 1.6;
}
.ins-level-label {
  font-weight: 700;
  font-size: 0.8rem;
  margin-top: 0.35rem;
}
.ins-level-covers-label { color: hsl(142,62%,32%); }
.ins-level-not-label { color: #dc2626; }

/* ========== CHECKLIST ========== */
.ins-checklist {
  padding-left: 1.25rem;
  color: var(--muted-fg);
  font-size: 0.9rem;
  line-height: 1.8;
  max-width: 800px;
}
.ins-checklist li { margin-bottom: 0.3rem; }
.ins-checklist li::marker { color: var(--primary); font-weight: 700; }
.ins-small-note {
  color: var(--muted-fg);
  font-size: 0.85rem;
  margin-top: 1rem;
  font-style: italic;
}

/* ========== TWO COLUMN ========== */
.ins-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}
.ins-two-col-item { min-width: 0; }

/* ========== INSURER GRID ========== */
.insurer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(220px, 100%), 1fr));
  gap: 0.75rem;
}
.insurer-grid-sm {
  grid-template-columns: repeat(auto-fill, minmax(min(200px, 100%), 1fr));
}
.insurer-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.15rem;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 1rem 1.25rem;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--foreground);
  text-align: center;
  transition: all 0.2s;
  cursor: default;
}
.insurer-btn:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.insurer-btn small {
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--primary);
}

/* ========== DIVIDER ========== */
.ins-divider {
  height: 4px;
  background: linear-gradient(90deg, var(--primary), hsl(210,90%,52%), var(--primary));
  margin: 0;
  border-radius: 2px;
}

/* ========== CALCULATOR ========== */
.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}
.calc-form {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
  box-shadow: var(--shadow-sm);
}
.calc-form-header {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 0.25rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-wrap: wrap;
}
.calc-tag {
  display: inline-flex;
  align-items: center;
  background: rgba(255,106,0,0.1);
  color: var(--primary);
  border-radius: 999px;
  padding: 0.15rem 0.6rem;
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.calc-form-desc {
  font-size: 0.85rem;
  color: var(--muted-fg);
  margin-bottom: 1.25rem;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Add-ons */
.calc-addons {
  margin-top: 1.5rem;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
}
.calc-addons-title {
  font-weight: 800;
  font-size: 0.88rem;
  color: var(--foreground);
  margin-bottom: 0.75rem;
}
.calc-addon {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--muted-fg);
  cursor: pointer;
  padding: 0.3rem 0;
}
.calc-addon input {
  accent-color: var(--primary);
  width: 16px;
  height: 16px;
  cursor: pointer;
  flex-shrink: 0;
}

/* Calc result */
.calc-result {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 80px;
}
.calc-result-placeholder {
  text-align: center;
  padding: 2rem 1rem;
  color: var(--muted-fg);
}
.calc-result-icon {
  font-size: 3rem;
  margin-bottom: 1rem;
}
.calc-result-placeholder p {
  font-size: 0.9rem;
  max-width: 300px;
  margin: 0 auto;
  line-height: 1.6;
}
.calc-result-placeholder strong { color: var(--foreground); }

/* Calc output content */
.calc-output-header {
  text-align: center;
  margin-bottom: 1.5rem;
}
.calc-output-title {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted-fg);
  margin-bottom: 0.35rem;
}
.calc-output-value {
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.02em;
}
.calc-output-sub {
  font-size: 0.82rem;
  color: var(--muted-fg);
  margin-top: 0.2rem;
}

.calc-breakdown {
  border-top: 1px solid var(--border);
  padding-top: 1rem;
}
.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  font-size: 0.88rem;
  border-bottom: 1px solid var(--border-light);
}
.calc-breakdown-row:last-child { border-bottom: none; }
.calc-breakdown-label { color: var(--muted-fg); }
.calc-breakdown-value { font-weight: 700; color: var(--foreground); }
.calc-breakdown-total {
  border-top: 2px solid var(--primary);
  margin-top: 0.5rem;
  padding-top: 0.75rem;
}
.calc-breakdown-total .calc-breakdown-label {
  font-weight: 800;
  color: var(--foreground);
}
.calc-breakdown-total .calc-breakdown-value {
  font-size: 1.15rem;
  color: var(--primary);
}

.calc-addons-list {
  margin-top: 1rem;
  padding: 0.75rem 1rem;
  background: var(--bg);
  border-radius: 8px;
  border: 1px solid var(--border);
}
.calc-addons-list-title {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted-fg);
  margin-bottom: 0.5rem;
}
.calc-addons-list ul {
  list-style: none;
  padding: 0;
}
.calc-addons-list li {
  font-size: 0.82rem;
  color: var(--foreground);
  padding: 0.2rem 0;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.calc-addons-list li::before {
  content: '✓';
  color: hsl(142,62%,32%);
  font-weight: 700;
  font-size: 0.75rem;
}

/* ========== PREMIUM CARDS ========== */
.prem-group {
  margin-bottom: 2.5rem;
}
.prem-group:last-child { margin-bottom: 0; }
.prem-group-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--foreground);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--border);
}
.prem-cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(280px, 100%), 1fr));
  gap: 1rem;
}
.prem-card {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: all 0.2s;
  box-shadow: var(--shadow-sm);
}
.prem-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
}
.prem-rate {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--primary);
}
.prem-rows { display: flex; flex-direction: column; gap: 0; }
.prem-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 0.5rem;
  padding: 0.45rem 0;
  font-size: 0.85rem;
  border-bottom: 1px solid var(--border-light);
}
.prem-row:last-child { border-bottom: none; }
.prem-row span:first-child { color: var(--muted-fg); flex-shrink: 0; }
.prem-row span:last-child { font-weight: 600; color: var(--foreground); text-align: right; }
.prem-total {
  border-top: 2px solid var(--primary) !important;
  margin-top: 0.25rem;
  padding-top: 0.65rem !important;
}
.prem-total span:first-child { font-weight: 800; color: var(--foreground) !important; }
.prem-total span:last-child { font-size: 1rem; color: var(--primary) !important; }

/* ========== FAQ ========== */
.ins-faq {
  max-width: 800px;
}
.ins-faq-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin-bottom: 0.65rem;
}
.ins-faq-q {
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--foreground);
  margin-bottom: 0.4rem;
}
.ins-faq-a {
  font-size: 0.88rem;
  color: var(--muted-fg);
  line-height: 1.65;
}

/* ========== RESPONSIVE ========== */
@media (max-width: 1024px) {
  .calc-layout { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .ins-two-col { grid-template-columns: 1fr; gap: 2rem; }
}
@media (max-width: 768px) {
  .ins-hero { padding: 3rem 1.25rem 2.5rem; }
  .ins-section { padding: 3rem 1.25rem; }
  .calc-form { padding: 1.5rem; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-addons { padding: 1rem 1.25rem; }
  .prem-cards { grid-template-columns: 1fr; }
  .ins-card-grid { grid-template-columns: 1fr; }
  .ins-card-grid-3 { grid-template-columns: 1fr; }
  .insurer-grid { grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); }
  .ins-hero-actions { flex-direction: column; }
  .ins-hero-actions .btn-outline,
  .ins-hero-actions .btn-primary { width: 100%; justify-content: center; }
  .ins-card-tall { padding: 1.5rem; }
  .ins-cover-levels { gap: 0.75rem; }
  .ins-level { padding: 0.85rem 1rem; }
}
@media (max-width: 480px) {
  .ins-hero { padding: 2.5rem 1rem 2rem; }
  .ins-hero h1 { font-size: 1.6rem; }
  .ins-section { padding: 2.5rem 1rem; }
  .calc-form { padding: 1.25rem; }
  .calc-result { padding: 1.5rem; }
  .calc-output-value { font-size: 1.6rem; }
  .insurer-grid { grid-template-columns: 1fr 1fr; }
  .ins-faq-item { padding: 1rem 1.25rem; }
}