/* =========================================================
   Insurance & Risk Protection — Premium Page
   ========================================================= */

.insurance-page main {
  overflow-x: clip;
}

/* ─── Reveal animation ─────────────────────────────────── */
.ins-reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s cubic-bezier(0.22, 1, 0.36, 1),
              transform 0.65s cubic-bezier(0.22, 1, 0.36, 1);
  transition-delay: var(--delay, 0s);
}

.ins-reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ─── Hero ─────────────────────────────────────────────── */
.ins-hero {
  position: relative;
  padding: clamp(5rem, 14vw, 9rem) 0 clamp(4rem, 8vw, 6rem);
  overflow: hidden;
}

.ins-hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.ins-hero-mesh {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 50% -10%, rgba(16, 185, 129, 0.12), transparent 60%),
    radial-gradient(ellipse 50% 40% at 90% 80%, rgba(201, 162, 39, 0.08), transparent 55%),
    radial-gradient(ellipse 40% 35% at 10% 70%, rgba(96, 165, 250, 0.06), transparent 50%);
}

.ins-hero-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(16, 185, 129, 0.12);
}

.ins-hero-ring--1 {
  width: 600px;
  height: 600px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -55%);
  animation: ins-ring-pulse 6s ease-in-out infinite;
}

.ins-hero-ring--2 {
  width: 420px;
  height: 420px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -55%);
  border-color: rgba(201, 162, 39, 0.1);
  animation: ins-ring-pulse 6s ease-in-out infinite 1.5s;
}

@keyframes ins-ring-pulse {
  0%, 100% { opacity: 0.4; transform: translate(-50%, -55%) scale(1); }
  50% { opacity: 0.8; transform: translate(-50%, -55%) scale(1.04); }
}

.ins-hero-particles {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle, rgba(16, 185, 129, 0.35) 1px, transparent 1px);
  background-size: 40px 40px;
  mask-image: radial-gradient(ellipse 60% 50% at 50% 40%, #000 10%, transparent 70%);
  opacity: 0.25;
}

.ins-hero-inner {
  position: relative;
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}

.ins-hero-shield {
  position: relative;
  width: 88px;
  height: 88px;
  margin: 0 auto 1.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.ins-hero-shield-glow {
  position: absolute;
  inset: -20px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.25), transparent 70%);
  animation: ins-shield-glow 3s ease-in-out infinite;
}

@keyframes ins-shield-glow {
  0%, 100% { opacity: 0.6; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.08); }
}

.ins-hero-shield i {
  position: relative;
  font-size: 2.8rem;
  color: #10b981;
  filter: drop-shadow(0 0 20px rgba(16, 185, 129, 0.4));
}

.ins-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 1rem;
  border-radius: 999px;
  border: 1px solid rgba(16, 185, 129, 0.35);
  background: rgba(16, 185, 129, 0.08);
  color: #34d399;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}

.ins-badge-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #10b981;
  box-shadow: 0 0 8px rgba(16, 185, 129, 0.8);
  animation: ins-dot-pulse 2s ease-in-out infinite;
}

@keyframes ins-dot-pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

.ins-hero-title {
  margin: 0 0 1.1rem;
  font-size: clamp(2.4rem, 5.5vw, 3.6rem);
  font-weight: 700;
  line-height: 1.12;
  color: var(--ice);
  letter-spacing: -0.025em;
  background: linear-gradient(135deg, var(--ice) 30%, rgba(16, 185, 129, 0.85) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.ins-hero-subtitle {
  margin: 0 auto;
  max-width: 680px;
  font-size: clamp(1rem, 2vw, 1.15rem);
  line-height: 1.75;
  color: var(--slate);
}

/* ─── Sections ─────────────────────────────────────────── */
.ins-section {
  padding: clamp(3rem, 6vw, 5rem) 0;
  position: relative;
}

.ins-section:nth-child(even) {
  background: linear-gradient(180deg, transparent, rgba(255, 255, 255, 0.012), transparent);
}

.ins-section-head {
  text-align: center;
  margin-bottom: clamp(2rem, 4vw, 2.75rem);
}

.ins-section-title {
  margin: 0 0 0.65rem;
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--ice);
  letter-spacing: -0.02em;
}

.ins-section-subtitle {
  margin: 0 auto;
  max-width: 560px;
  font-size: 0.92rem;
  color: var(--slate);
  line-height: 1.65;
}

/* ─── Overview ─────────────────────────────────────────── */
.ins-overview-card {
  max-width: 780px;
  margin: 0 auto;
  padding: clamp(1.75rem, 4vw, 2.5rem);
  border-radius: 18px;
  border: 1px solid var(--border);
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.04), rgba(255, 255, 255, 0.02));
  text-align: center;
  position: relative;
  overflow: hidden;
}

.ins-overview-card::before {
  content: '';
  position: absolute;
  top: 0;
  inset-inline: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, rgba(16, 185, 129, 0.5), transparent);
}

.ins-overview-text {
  margin: 0.75rem 0 0;
  font-size: 1.02rem;
  line-height: 1.8;
  color: var(--slate);
}

/* ─── Coverage grid ────────────────────────────────────── */
.ins-coverage-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 1.15rem;
  max-width: 1080px;
  margin: 0 auto;
}

.ins-coverage-card {
  position: relative;
  grid-column: span 2;
  display: flex;
  flex-direction: column;
  min-height: 148px;
  padding: 1.5rem 1.35rem 1.35rem;
  border-radius: 16px;
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.02);
  transition: border-color 0.3s, box-shadow 0.3s, transform 0.3s;
  overflow: hidden;
}

.ins-coverage-card:nth-child(4) {
  grid-column: 2 / 4;
}

.ins-coverage-card:nth-child(5) {
  grid-column: 4 / 6;
}

.ins-coverage-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.06), transparent 60%);
  opacity: 0;
  transition: opacity 0.3s;
}

.ins-coverage-card:hover {
  border-color: rgba(16, 185, 129, 0.35);
  box-shadow: 0 12px 40px rgba(16, 185, 129, 0.08);
  transform: translateY(-4px);
}

.ins-coverage-card:hover::before {
  opacity: 1;
}

.ins-coverage-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(16, 185, 129, 0.1);
  border: 1px solid rgba(16, 185, 129, 0.2);
  margin-bottom: 1rem;
  position: relative;
}

.ins-coverage-icon i {
  font-size: 1.15rem;
  color: #34d399;
}

.ins-coverage-title {
  margin: 0;
  flex: 1;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--ice);
  line-height: 1.5;
  position: relative;
  padding-inline-end: 1.75rem;
  text-wrap: balance;
}

.ins-coverage-check {
  position: absolute;
  top: 1.25rem;
  inset-inline-end: 1.25rem;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(16, 185, 129, 0.12);
  border: 1px solid rgba(16, 185, 129, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.55rem;
  color: #10b981;
}

/* ─── Policy details ───────────────────────────────────── */
.ins-policy {
  background:
    radial-gradient(ellipse 70% 50% at 50% 100%, rgba(201, 162, 39, 0.05), transparent 60%);
}

.ins-policy-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.15rem;
}

.ins-policy-card {
  padding: 1.35rem 1.25rem;
  border-radius: 16px;
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.02);
  text-align: center;
  transition: border-color 0.25s, box-shadow 0.25s;
}

.ins-policy-card.is-status {
  border-color: rgba(16, 185, 129, 0.4);
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.1), rgba(255, 255, 255, 0.02));
  box-shadow: 0 0 32px rgba(16, 185, 129, 0.1);
}

.ins-policy-card.is-status .ins-policy-value {
  color: #34d399;
}

.ins-policy-icon {
  width: 42px;
  height: 42px;
  margin: 0 auto 0.85rem;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(201, 162, 39, 0.08);
  border: 1px solid rgba(201, 162, 39, 0.2);
}

.ins-policy-icon i {
  font-size: 1rem;
  color: var(--gold, #c9a227);
}

.ins-policy-label {
  display: block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 0.45rem;
}

.ins-policy-value {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--ice);
  line-height: 1.4;
}

/* ─── Commitment ───────────────────────────────────────── */
.ins-commitment-card {
  max-width: 820px;
  margin: 0 auto;
  padding: clamp(2rem, 5vw, 3rem);
  border-radius: 20px;
  border: 1px solid rgba(201, 162, 39, 0.2);
  background: linear-gradient(145deg, rgba(201, 162, 39, 0.06), rgba(255, 255, 255, 0.02));
  text-align: center;
  position: relative;
  overflow: hidden;
}

.ins-commitment-card::after {
  content: '';
  position: absolute;
  bottom: -60px;
  inset-inline-end: -60px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 162, 39, 0.08), transparent 70%);
  pointer-events: none;
}

.ins-commitment-icons {
  display: flex;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.ins-commitment-icons span {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(201, 162, 39, 0.1);
  border: 1px solid rgba(201, 162, 39, 0.2);
  color: var(--gold, #c9a227);
  font-size: 1rem;
}

.ins-commitment-text {
  margin: 0.85rem 0 0;
  font-size: 1.02rem;
  line-height: 1.8;
  color: var(--slate);
  max-width: 640px;
  margin-inline: auto;
}

/* ─── Disclaimer ───────────────────────────────────────── */
.ins-disclaimer {
  padding-bottom: clamp(4rem, 8vw, 6rem);
}

.ins-disclaimer-card {
  max-width: 820px;
  margin: 0 auto;
  padding: 0;
  border-radius: 16px;
  border: 1px solid rgba(107, 114, 128, 0.22);
  background: linear-gradient(135deg, rgba(107, 114, 128, 0.06), rgba(255, 255, 255, 0.015));
  overflow: hidden;
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: stretch;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.04);
}

.ins-disclaimer-accent {
  width: 4px;
  background: linear-gradient(180deg, rgba(201, 162, 39, 0.65), rgba(107, 114, 128, 0.35));
}

.ins-disclaimer-body {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.35rem 1.5rem;
}

.ins-disclaimer-icon-wrap {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(201, 162, 39, 0.1);
  border: 1px solid rgba(201, 162, 39, 0.22);
  color: var(--gold, #c9a227);
  font-size: 1rem;
}

.ins-disclaimer-content {
  min-width: 0;
}

.ins-disclaimer-label {
  display: block;
  margin: 0 0 0.45rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold, #c9a227);
}

.ins-disclaimer-text {
  margin: 0;
  font-size: 0.88rem;
  line-height: 1.75;
  color: var(--slate);
  opacity: 0.92;
}

/* ─── Light theme ──────────────────────────────────────── */
[data-theme="light"] .ins-hero-title {
  background: linear-gradient(135deg, #0f172a 30%, #059669 100%);
  -webkit-background-clip: text;
  background-clip: text;
}

[data-theme="light"] .ins-overview-card,
[data-theme="light"] .ins-coverage-card,
[data-theme="light"] .ins-policy-card,
[data-theme="light"] .ins-commitment-card,
[data-theme="light"] .ins-disclaimer-card {
  background: rgba(0, 0, 0, 0.02);
  border-color: rgba(0, 0, 0, 0.08);
}

[data-theme="light"] .ins-section:nth-child(even) {
  background: linear-gradient(180deg, transparent, rgba(0, 0, 0, 0.02), transparent);
}

/* ─── Responsive ───────────────────────────────────────── */
@media (max-width: 1024px) {
  .ins-policy-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .ins-coverage-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .ins-coverage-card,
  .ins-coverage-card:nth-child(4),
  .ins-coverage-card:nth-child(5) {
    grid-column: auto;
  }
}

@media (max-width: 640px) {
  .ins-policy-grid {
    grid-template-columns: 1fr;
  }

  .ins-coverage-grid {
    grid-template-columns: 1fr;
  }

  .ins-disclaimer-card {
    grid-template-columns: 1fr;
  }

  .ins-disclaimer-accent {
    width: 100%;
    height: 3px;
  }

  .ins-disclaimer-body {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 1.25rem 1.15rem 1.35rem;
  }
}