/* ══════════════════════════════════════════
   INSURANCE EDUCATION PAGE — sfv-theme-white
   Same clean vibe as Funds, distinct identity:
   → Indigo accent (#4f46e5) instead of blue
   → Soft violet-tinted section backgrounds
   → Protection-first visual cues (shields, warmth)
   Fonts: Outfit (headings), Inter (body)
══════════════════════════════════════════ */

/* ── Insurance Identity Tokens ──
   These override the site's blue tokens
   with indigo specifically for this page.
   Change --ins-accent to shift the whole page's color.
── */
:root {
    --ins-accent: #4f46e5;
    /* indigo — insurance identity */
    --ins-accent-deep: #3730a3;
    /* deeper indigo for hover/dark */
    --ins-accent-pale: #eef2ff;
    /* very soft indigo tint */
    --ins-accent-light: #c7d2fe;
    /* border/divider indigo */
    --ins-soft-bg: #f8f8ff;
    /* ghostwhite — barely-violet off-white */
    --ins-hero-glow: rgba(199, 210, 254, 0.5);
    /* violet glow */
}

/* ── Base fix: defeat homepage loader opacity ── */
#main {
    opacity: 1 !important;
    animation: insFadeIn 0.8s ease-out forwards;
}

@keyframes insFadeIn {
    from {
        opacity: 0;
        transform: translateY(16px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ── Scroll-reveal ── */
.ins-reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}

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

/* ══════════════════════════════════════════
   LAYOUT HELPERS
══════════════════════════════════════════ */
.ins-section {
    padding: 100px 6vw;
}

.ins-container {
    max-width: 1200px;
    margin: 0 auto;
}

.ins-container-narrow {
    max-width: 820px;
    margin: 0 auto;
}

.ins-bg-soft {
    background: var(--ins-soft-bg);
}

.ins-bg-dark {
    background: #1e293b;
    color: #fff;
}

.center {
    text-align: center;
}

.ins-title-md {
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 700;
    color: var(--text-dark);
}

.mb-lg {
    margin-bottom: 48px;
}

/* ── Section header ── */
.ins-section-header {
    margin-bottom: 56px;
}

.ins-section-header h2 {
    font-size: clamp(2rem, 3.5vw, 2.8rem);
    letter-spacing: -0.5px;
    color: var(--text-dark);
    margin-top: 10px;
}

.ins-section-sub {
    color: var(--text-mid);
    font-size: 1.1rem;
    max-width: 600px;
    margin: 16px auto 0;
}

.ins-section-title {
    font-size: clamp(2rem, 3.5vw, 2.6rem);
    letter-spacing: -0.5px;
    color: var(--text-dark);
    margin-bottom: 40px;
}

/* ── Eyebrow label ── */
.ins-eyebrow {
    display: inline-block;
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--ins-accent);
    background: var(--ins-accent-pale);
    padding: 5px 14px;
    border-radius: 30px;
    margin-bottom: 14px;
}

.ins-eyebrow-light {
    display: block;
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: #a5b4fc;
    margin-bottom: 14px;
}

/* ══════════════════════════════════════════
   TOGGLE BAR (site-wide, defined in style.css)
   — just align nicely under navbar
══════════════════════════════════════════ */
.edu-toggle-bar {
    display: none;
    position: sticky;
    top: 89px;
    z-index: 800;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border);
    padding: 10px 0;
}

.etb-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 6vw;
    display: flex;
    align-items: center;
    justify-content: center;
}

.etb-pills {
    display: flex;
    gap: 8px;
    background: var(--off-white);
    border: 1px solid var(--border);
    padding: 5px;
    border-radius: 30px;
}

.etb-pill {
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 8px 22px;
    border-radius: 24px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-mid);
    text-decoration: none;
    transition: background 0.2s, color 0.2s, box-shadow 0.2s;
}

.etb-pill:hover {
    background: #fff;
    color: var(--ins-accent);
}

.etb-pill.active {
    background: var(--ins-accent);
    color: #fff;
    box-shadow: 0 6px 20px rgba(79, 70, 229, 0.28);
}

/* ══════════════════════════════════════════
   HERO
══════════════════════════════════════════ */
.ins-hero {
    min-height: 88vh;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
    padding: 295px 6vw 225px;
    background: linear-gradient(180deg, #fdfbfb 0%, #f4f4fd 100%);
}

.ins-hero-glow {
    position: absolute;
    top: -10%;
    right: -5%;
    width: 55%;
    height: 65%;
    background: radial-gradient(circle, var(--ins-hero-glow) 0%, transparent 65%);
    filter: blur(70px);
    z-index: 0;
    pointer-events: none;
}

.ins-hero .ins-container {
    position: relative;
    z-index: 1;
}

.etb-pill[href*="funds"]:hover {
    color: #2563eb !important;
}

.etb-pill[href*="funds"].active {
    background: #2563eb !important;
    box-shadow: 0 6px 20px rgba(37, 99, 235, 0.28) !important;
}

/* chip row */
.ins-chip-row {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 24px;
}

.ins-chip {
    background: var(--ins-accent-pale);
    color: var(--ins-accent);
    font-size: 0.82rem;
    font-weight: 600;
    padding: 5px 14px;
    border-radius: 20px;
    border: 1px solid var(--ins-accent-light);
}

/* hero title */
.ins-hero-title {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(2.8rem, 6vw, 4.5rem);
    line-height: 1.1;
    letter-spacing: -2px;
    color: var(--text-dark);
    margin-bottom: 24px;
}

.ins-hero-title span {
    color: var(--ins-accent);
}

.ins-hero-sub {
    font-size: 1.2rem;
    color: var(--text-mid);
    max-width: 600px;
    margin: 0 auto 32px;
    line-height: 1.75;
}

.ins-hero-trust {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 32px;
    font-weight: 500;
}

/* search bar — matches site style */
.ins-search-wrap {
    display: flex;
    align-items: center;
    background: #fff;
    border: 1px solid var(--border);
    padding: 8px 8px 8px 20px;
    border-radius: 40px;
    max-width: 480px;
    margin: 0 auto 20px;
    box-shadow: var(--shadow-md);
}

.ins-search-icon {
    font-size: 1.1rem;
    margin-right: 10px;
}

.ins-search-input {
    border: none;
    background: transparent;
    flex-grow: 1;
    font-family: 'Inter', sans-serif;
    font-size: 0.97rem;
    color: var(--text-dark);
}

.ins-search-input:focus {
    outline: none;
}

.ins-search-input::placeholder {
    color: #c4ccd8;
}

.ins-search-btn {
    background: var(--ins-accent);
    color: #fff;
    border: none;
    padding: 11px 22px;
    border-radius: 30px;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    font-size: 0.9rem;
    cursor: pointer;
    transition: background 0.25s;
}

.ins-search-btn:hover {
    background: var(--ins-accent-deep);
}

/* hero buttons */
.ins-hero-btns {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 36px;
}

.btn-ins-primary {
    background: var(--text-dark);
    color: #fff;
    padding: 14px 30px;
    border-radius: 30px;
    font-weight: 600;
    font-size: 0.95rem;
    transition: transform 0.2s, box-shadow 0.2s;
    text-decoration: none;
    display: inline-block;
}

.btn-ins-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 24px rgba(17, 24, 39, 0.14);
}

.btn-ins-ghost {
    background: #fff;
    color: var(--text-dark);
    border: 1px solid var(--border-dark);
    padding: 14px 30px;
    border-radius: 30px;
    font-weight: 600;
    font-size: 0.95rem;
    transition: background 0.2s;
    text-decoration: none;
    display: inline-block;
}

.btn-ins-ghost:hover {
    background: var(--off-white);
}

/* progress steps */
.ins-progress-steps {
    display: flex;
    align-items: center;
    gap: 10px;
    justify-content: center;
    flex-wrap: wrap;
}

.ips-step {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-light);
    padding: 4px 14px;
    border-radius: 20px;
    border: 1px solid var(--border);
    background: #fff;
    transition: all 0.2s;
}

.ips-step.active {
    background: var(--ins-accent);
    color: #fff;
    border-color: var(--ins-accent);
}

.ips-sep {
    color: var(--border-dark);
    font-size: 0.9rem;
}

/* ══════════════════════════════════════════
   INTRO CARD (Section 2)
══════════════════════════════════════════ */
.ins-intro-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 28px;
    padding: 60px;
    text-align: center;
    box-shadow: var(--shadow-md);
}

.ins-intro-icon {
    font-size: 3.5rem;
    margin-bottom: 24px;
    color: #f59e0b;
    display: flex;
    justify-content: center;
}

.ins-intro-icon svg {
    width: 60px;
    height: 60px;
    stroke-width: 1.5px;
}

.ins-intro-card h2 {
    font-size: 2.2rem;
    margin-bottom: 24px;
    color: var(--text-dark);
}

.ins-intro-card p {
    font-size: 1.1rem;
    color: var(--text-mid);
    line-height: 1.75;
    margin-bottom: 18px;
}

.ins-intro-card p:last-child {
    margin-bottom: 0;
}

/* inline highlights */
.ins-hl-blue {
    color: var(--ins-accent);
    font-weight: 700;
}

.ins-hl-green {
    color: #16a34a;
    font-weight: 700;
}

.ins-hl-orange {
    color: #d97706;
    font-weight: 700;
}

.ins-hl-red {
    color: #dc2626;
    font-weight: 700;
}

/* ══════════════════════════════════════════
   CATEGORY CARDS (Section 3)
══════════════════════════════════════════ */
.ins-cat-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
}

.ins-cat-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 28px 28px 20px;
    box-shadow: var(--shadow-sm);
    transition: box-shadow 0.3s, transform 0.3s;
    position: relative;
    overflow: hidden;
}

.ins-cat-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-3px);
}

.ins-cat-card--featured {
    border-color: var(--ins-accent);
    box-shadow: 0 4px 20px rgba(79, 70, 229, 0.12);
}

.ins-recommended-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--ins-accent);
    color: #fff;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 4px 10px;
    border-radius: 20px;
}

.ins-cat-head {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    margin-bottom: 16px;
}

.icc-icon {
    width: 52px;
    height: 52px;
    border-radius: var(--r-sm);
    background: var(--ins-accent-pale);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    flex-shrink: 0;
}

.icc-text h3 {
    font-size: 1.25rem;
    color: var(--text-dark);
    margin-bottom: 6px;
}

.icc-text p {
    font-size: 0.95rem;
    color: var(--text-mid);
    margin: 0;
    line-height: 1.6;
}

/* expand button */
.icc-expand {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    background: none;
    border: none;
    font-family: 'Inter', sans-serif;
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--ins-accent);
    cursor: pointer;
    padding: 10px 0 4px;
    border-top: 1px solid var(--border);
    transition: color 0.2s;
}

.icc-expand:hover {
    color: var(--ins-accent-deep);
}

.icc-chevron {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    transition: transform 0.3s;
    background: var(--ins-accent-pale);
}

.icc-expand[aria-expanded="true"] .icc-chevron {
    transform: rotate(45deg);
}

/* expand body */
.icc-body {
    padding-top: 16px;
    opacity: 1;
}

/* Topic Info Button */
.topic-info-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: var(--ins-accent-pale);
    color: var(--ins-accent);
    border: none;
    cursor: pointer;
    margin-left: auto;
    transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 2px 4px rgba(79, 70, 229, 0.1);
}

.topic-info-btn:hover {
    background: var(--ins-accent);
    color: #fff;
    transform: scale(1.15) rotate(90deg);
    box-shadow: 0 4px 12px rgba(79, 70, 229, 0.25);
}

.topic-info-btn i,
.topic-info-btn svg {
    width: 14px !important;
    height: 14px !important;
    stroke-width: 2.5px;
}

/* ══════════════════════════════════════════
   GLASS MODAL
   ══════════════════════════════════════════ */
.mf-modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100dvh;
    background: rgba(15, 23, 42, 0.4);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    z-index: 10000;
    display: flex !important;
    align-items: flex-start;
    justify-content: center;
    padding: 10vh 24px;
    visibility: hidden;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.4s ease, visibility 0.4s;
}

.mf-modal-overlay.is-active {
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
}

.mf-modal-card {
    width: 100%;
    max-width: 720px;
    background: #ffffff;
    border-radius: 32px;
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.25);
    position: relative;
    padding: 60px 40px;
    transform: translateY(20px);
    transition: transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
    max-height: 80vh;
    overflow-y: auto;
    color: #1e293b;
}

.mf-modal-overlay.is-active .mf-modal-card {
    transform: translateY(0);
}

#topicTitle {
    color: #1e293b !important;
    font-weight: 800;
}

#topicInfo {
    color: #475569 !important;
}

.mf-modal-close {
    position: absolute;
    top: 24px;
    right: 24px;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(0, 0, 0, 0.05);
    border: none;
    font-size: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.2s;
    color: var(--text-dark);
    z-index: 10;
}

.mf-modal-close:hover {
    background: rgba(255, 0, 0, 0.1);
    color: #ef4444;
    transform: rotate(90deg);
}

.icc-includes-label {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--text-light);
    margin: 16px 0 8px;
}

.icc-body ul {
    list-style: none;
    padding: 12px 16px;
    background: var(--off-white);
    border-radius: var(--r-sm);
    margin-bottom: 14px;
}

.icc-body li {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    font-size: 0.95rem;
    color: #1e293b;
}

.icc-body li:last-child {
    border-bottom: none;
}

.icc-tip {
    font-size: 0.85rem;
    font-weight: 600;
    color: #059669;
    background: #f0fdf4;
    border: 1px solid #bbf7d0;
    padding: 10px 14px;
    border-radius: var(--r-sm);
    margin-bottom: 8px;
}

.icc-tip--blue {
    color: var(--ins-accent);
    background: var(--ins-accent-pale);
    border-color: var(--ins-accent-light);
}

.icc-tip--orange {
    color: #92400e;
    background: #fffbeb;
    border-color: #fde68a;
}

/* ══════════════════════════════════════════
   GUIDE CARDS (Section 4)
══════════════════════════════════════════ */
.ins-guide-scroll {
    display: flex;
    gap: 24px;
    overflow-x: auto;
    padding-bottom: 20px;
    scroll-snap-type: x mandatory;
}

.ins-guide-scroll::-webkit-scrollbar {
    height: 6px;
}

.ins-guide-scroll::-webkit-scrollbar-track {
    background: var(--off-white);
    border-radius: 4px;
}

.ins-guide-scroll::-webkit-scrollbar-thumb {
    background: var(--border-dark);
    border-radius: 4px;
}

.ins-guide-card {
    min-width: 290px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 28px;
    scroll-snap-align: start;
    flex-shrink: 0;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    transition: transform 0.25s, box-shadow 0.25s;
    box-shadow: var(--shadow-sm);
}

.ins-guide-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.igc-tag {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 12px;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    background: var(--off-white);
    color: var(--text-mid);
    margin-bottom: 18px;
}

.igc-tag-rec {
    background: var(--green-pale);
    color: #15803d;
}

.ins-guide-card h4 {
    font-size: 1.15rem;
    color: var(--text-dark);
    margin-bottom: 12px;
    line-height: 1.4;
}

.ins-guide-card p {
    font-size: 0.9rem;
    color: var(--text-mid);
    flex-grow: 1;
    margin-bottom: 18px;
}

.igc-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-top: 1px solid var(--border);
    padding-top: 14px;
    font-size: 0.83rem;
    color: var(--text-light);
    font-weight: 600;
}

.igc-arrow {
    color: var(--ins-accent);
    transition: transform 0.25s;
}

.ins-guide-card:hover .igc-arrow {
    transform: translateX(4px);
}

/* ══════════════════════════════════════════
   PRINCIPLES — DARK SECTION (Section 5)
══════════════════════════════════════════ */
.ins-split {
    display: flex;
    gap: 64px;
    align-items: center;
}

.ins-principles-left {
    flex: 1;
}

.ins-principles-right {
    flex: 1.1;
}

.ins-title-light {
    font-size: 2.4rem;
    color: #fff;
    margin-bottom: 18px;
    letter-spacing: -0.5px;
}

.ins-body-light {
    color: #94a3b8;
    font-size: 1.05rem;
    line-height: 1.75;
}

.ins-principle {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 18px 24px;
    border-radius: var(--r-md);
    border: 1px solid #334155;
    background: rgba(255, 255, 255, 0.04);
    margin-bottom: 14px;
    transition: background 0.2s, border-color 0.2s;
}

.ins-principle:hover {
    background: rgba(255, 255, 255, 0.07);
    border-color: #475569;
}

.ipr-num {
    font-family: 'Outfit', sans-serif;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--ins-accent);
    opacity: 0.7;
    min-width: 36px;
}

.ipr-text {
    font-size: 1rem;
    color: #e2e8f0;
    line-height: 1.5;
}

.ipr-text strong {
    color: #fff;
}

/* ══════════════════════════════════════════
   COVERAGE GUIDE (Section 6)
══════════════════════════════════════════ */
.ins-coverage-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.ins-coverage-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: box-shadow 0.3s, transform 0.3s;
}

.ins-coverage-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.icov-icon {
    font-size: 2.4rem;
    margin-bottom: 14px;
}

.icov-type {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--text-light);
    margin-bottom: 8px;
}

.icov-number {
    font-family: 'Outfit', sans-serif;
    font-size: 2rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 6px;
}

.icov-desc {
    font-size: 0.88rem;
    color: var(--text-mid);
    margin-bottom: 20px;
}

.icov-bar {
    height: 6px;
    background: var(--off-white);
    border-radius: 4px;
    overflow: hidden;
    border: 1px solid var(--border);
}

.icov-fill {
    height: 100%;
    width: var(--fill-w, 50%);
    background: linear-gradient(90deg, var(--ins-accent), var(--ins-accent-deep));
    border-radius: 4px;
    transition: width 1.2s ease;
}

/* ══════════════════════════════════════════
   FAQ ACCORDION (Section 7)
══════════════════════════════════════════ */
.ia-item {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    margin-bottom: 14px;
    overflow: hidden;
}

.ia-header {
    width: 100%;
    background: none;
    border: none;
    padding: 22px 28px;
    font-family: 'Inter', sans-serif;
    font-size: 1.07rem;
    font-weight: 600;
    color: var(--text-dark);
    text-align: left;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.ia-icon {
    font-size: 1.4rem;
    color: var(--text-light);
    font-weight: 300;
    transition: transform 0.3s;
}

.ia-item.open .ia-header {
    border-bottom: 1px solid var(--border);
}

.ia-item.open .ia-icon {
    transform: rotate(0);
    color: var(--text-dark);
}

.ia-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
    padding: 0 28px;
    background: #f8fafc;
}

.ia-body p {
    margin: 0;
    color: var(--text-mid);
    font-size: 1rem;
    line-height: 1.7;
}

.ia-item.open .ia-body {
    padding: 22px 28px;
    max-height: 800px;
}

.ins-faq-helper {
    text-align: center;
    margin-top: 24px;
    font-size: 0.92rem;
    color: var(--text-light);
}

.ins-faq-helper a {
    color: var(--ins-accent);
    font-weight: 600;
    text-decoration: none;
}

/* ══════════════════════════════════════════
   LIFE STAGE (Section 8)
══════════════════════════════════════════ */
.ins-stage-wrap {
    position: relative;
    padding: 10px 0;
}

.ins-stage-line-track {
    position: absolute;
    top: 50%;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--border);
    border-radius: 2px;
    z-index: 0;
    transform: translateY(-50%);
}

.ins-stage-line-fill {
    height: 100%;
    width: 0%;
    background: linear-gradient(90deg, var(--ins-accent), var(--ins-accent-deep));
    border-radius: 2px;
    transition: width 1.5s ease;
}

.ins-stages {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 18px;
    position: relative;
    z-index: 1;
}

.ins-stage-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 20px;
    padding: 28px 18px;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
}

.ins-stage-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--ins-accent);
}

.isc-icon {
    font-size: 2.2rem;
    margin-bottom: 14px;
}

.ins-stage-card h4 {
    font-size: 1rem;
    color: var(--text-dark);
    margin-bottom: 10px;
    font-family: 'Outfit', sans-serif;
}

.ins-stage-card p {
    font-size: 0.85rem;
    color: var(--text-mid);
    margin-bottom: 14px;
    line-height: 1.5;
}

.isc-tag {
    display: inline-block;
    font-size: 0.73rem;
    font-weight: 700;
    color: var(--ins-accent);
    background: var(--ins-accent-pale);
    border: 1px solid var(--ins-accent-light);
    padding: 3px 10px;
    border-radius: 12px;
}

/* ══════════════════════════════════════════
   AI ASSISTANT (Section 9)
══════════════════════════════════════════ */
.ins-ai-card {
    background: linear-gradient(135deg, var(--ins-accent-pale) 0%, #e0e7ff 100%);
    border-radius: 32px;
    padding: 60px;
    display: flex;
    align-items: center;
    gap: 60px;
    border: 1px solid var(--ins-accent-light);
}

.ins-ai-left {
    flex: 1;
}

.ins-ai-right {
    flex: 0.9;
}

.ins-ai-badge {
    display: inline-block;
    background: var(--ins-accent);
    color: #fff;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 12px;
    border-radius: 12px;
    margin-bottom: 20px;
}

.ins-ai-left h2 {
    font-size: 2.2rem;
    color: var(--text-dark);
    margin-bottom: 16px;
}

.ins-ai-left p {
    font-size: 1.05rem;
    color: var(--text-mid);
    margin-bottom: 32px;
}

.ins-ai-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.ins-ai-chip {
    background: #fff;
    border: 1px solid var(--ins-accent-light);
    padding: 9px 18px;
    border-radius: 20px;
    font-size: 0.87rem;
    font-weight: 500;
    color: var(--ins-accent-deep);
    cursor: pointer;
    transition: transform 0.2s, box-shadow 0.2s;
}

.ins-ai-chip:hover {
    transform: scale(1.03);
    box-shadow: var(--shadow-sm);
}

/* mock chat panel */
.ins-mock-chat {
    background: #fff;
    border-radius: 20px;
    padding: 22px;
    box-shadow: var(--shadow-lg);
    margin-bottom: 18px;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.imc-msg {
    padding: 14px 18px;
    border-radius: 18px;
    font-size: 0.92rem;
    max-width: 88%;
}

.imc-ai {
    background: var(--off-white);
    color: var(--text-dark);
    align-self: flex-start;
    border-bottom-left-radius: 4px;
}

.imc-user {
    background: var(--ins-accent);
    color: #fff;
    align-self: flex-end;
    border-bottom-right-radius: 4px;
}

.imc-typing {
    background: var(--off-white);
    padding: 12px 18px;
    border-radius: 18px;
    align-self: flex-start;
    border-bottom-left-radius: 4px;
    display: flex;
    gap: 4px;
}

.imc-typing span {
    width: 6px;
    height: 6px;
    background: var(--text-light);
    border-radius: 50%;
    animation: dotBlink 1.4s infinite both;
}

.imc-typing span:nth-child(2) {
    animation-delay: 0.2s;
}

.imc-typing span:nth-child(3) {
    animation-delay: 0.4s;
}

@keyframes dotBlink {

    0%,
    100% {
        opacity: 0.2;
    }

    40% {
        opacity: 1;
    }
}

/* Full-width button */
.btn-ins-primary.full-w,
button.btn-ins-primary.full-w {
    display: block;
    width: 100%;
    text-align: center;
    border: none;
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    padding: 16px;
    cursor: pointer;
    border-radius: 30px;
    background: var(--text-dark);
    color: #fff;
    transition: background 0.2s, transform 0.2s;
}

.btn-ins-primary.full-w:hover {
    background: var(--ins-accent-deep);
    transform: translateY(-2px);
}

/* ══════════════════════════════════════════
   TRUST BLOCK (Section 10)
══════════════════════════════════════════ */
.ins-trust-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 28px;
    padding: 56px 48px;
    box-shadow: var(--shadow-sm);
    max-width: 700px;
    margin: 0 auto;
    text-align: center;
}

.ins-trust-icon {
    font-size: 2.8rem;
    margin-bottom: 16px;
}

.ins-trust-card h3 {
    font-size: 1.7rem;
    color: var(--text-dark);
    margin-bottom: 14px;
}

.ins-trust-card p {
    font-size: 1.05rem;
    color: var(--text-mid);
    line-height: 1.7;
}

/* ══════════════════════════════════════════
   FINAL CTA (Section 11)
══════════════════════════════════════════ */
/* ── FINAL CTA ── */
.ins-final {
    background: #f8fafc;
    padding: 120px 5%;
    position: relative;
    overflow: hidden;
}

.ins-final-banner.island-card {
    background: #ffffff;
    border: 1px solid rgba(0, 0, 0, 0.05);
    padding: 80px 40px;
    border-radius: 48px;
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.08);
    transition: transform 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    position: relative;
    overflow: hidden;
    z-index: 1;
    text-align: center;
}

.ins-final-banner.island-card:hover {
    transform: translateY(-10px) scale(1.01);
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.08);
}

.ins-final-content {
    position: relative;
    z-index: 2;
}

/* ── Protective Shield Animation ── */
.ins-shield-bg {
    position: absolute;
    inset: 0;
    pointer-events: none;
    z-index: 0;
    display: flex;
    align-items: center;
    justify-content: center;
}

.shield-ring {
    position: absolute;
    border: 2px solid rgba(13, 148, 136, 0.15);
    /* Teal/Protection color */
    border-radius: 50%;
    animation: shieldPulse 5s cubic-bezier(0.25, 0.46, 0.45, 0.94) infinite;
}

.shield-ring:nth-child(1) {
    animation-delay: 0s;
}

.shield-ring:nth-child(2) {
    animation-delay: 1.6s;
}

.shield-ring:nth-child(3) {
    animation-delay: 3.2s;
}

@keyframes shieldPulse {
    0% {
        width: 0;
        height: 0;
        opacity: 1;
    }

    100% {
        width: 1500px;
        height: 1500px;
        opacity: 0;
    }
}

.ins-final-icon {
    width: 64px;
    height: 64px;
    background: #f1f5f9;
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: visible;
    font-size: 2rem;
    margin: 0 auto 24px;
    box-shadow: 0 10px 20px rgba(0, 0, 0, 0.05);
}

/* .ins-final typography now handled via final-inner and style.css */
.ins-final h2 {
    color: var(--text-dark);
    padding: 0 10vw;
}

.ins-final p {
    color: var(--text-mid);
}

.ins-final-sub {
    font-size: 11px;
    opacity: 0.7;
    margin-top: 20px;
}

.btn-ins-solid {
    background: var(--text-dark);
    color: #fff;
    padding: 18px 40px;
    border-radius: 100px;
    font-weight: 700;
    font-size: 1.15rem;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
    position: relative;
    overflow: hidden;
    z-index: 1;
}

.btn-ins-solid::before {
    content: '';
    position: absolute;
    top: var(--cy, 50%);
    left: var(--cx, 50%);
    width: 0;
    height: 0;
    background: #000;
    border-radius: 50%;
    transform: translate(-50%, -50%);
    transition: width 0.6s ease, height 0.6s ease;
    z-index: -1;
    pointer-events: none;
}

.btn-ins-solid:hover {
    transform: translateY(-3px) scale(1.02);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.25);
}

.btn-ins-solid:hover::before {
    width: 500px;
    height: 500px;
}

.btn-ins-solid .btn-circle-icon {
    background: #fff;
    color: var(--text-dark);
}

.btn-ins-solid:hover .btn-circle-icon {
    transform: translateX(4px);
}

.ins-final-sub {
    margin-top: 20px;
    font-size: 0.88rem;
    color: var(--text-light);
    font-weight: 500;
}

/* ══════════════════════════════════════════
   RESPONSIVE
/* ══════════════════════════════════════════════════════════════
   MOBILE OVERHAUL — Insurance Education Page
   Cozy, Contained, Native Feel. Desktop unaffected.
   ══════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {

    /* ── Global section padding ── */
    .ins-section {
        padding: 60px 5vw;
    }

    /* ── Hero ── */
    .ins-hero {
        min-height: auto;
        padding: 120px 5vw 60px;
        text-align: center;
    }

    .ins-hero-title {
        font-size: clamp(2.2rem, 9vw, 3rem);
        letter-spacing: -1px;
        margin-bottom: 20px;
    }

    .ins-hero-sub {
        font-size: 1.05rem;
        margin-bottom: 30px;
        max-width: 100%;
    }

    .ins-chip-row {
        gap: 8px;
        justify-content: center;
        margin-bottom: 20px;
    }

    .ins-search-wrap {
        margin: 0 auto 30px;
        width: 100%;
        max-width: 100%;
        padding: 8px 8px 8px 20px;
    }

    .ins-hero-btns {
        flex-direction: column;
        align-items: stretch;
        gap: 12px;
    }

    .btn-ins-primary,
    .btn-ins-ghost,
    .btn-ins-solid,
    .ins-search-btn {
        border-radius: 36px !important;
        text-align: center;
        width: 100%;
        padding: 16px 24px;
        font-size: 1rem;
    }

    /* ── Intro ── */
    .ins-intro-card {
        padding: 40px 24px;
        border-radius: 24px;
    }

    /* ── Category Cards (Hierarchy Fix) ── */
    .ins-cat-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .ins-cat-card {
        padding: 24px 20px;
        border-radius: 20px;
    }

    .ins-cat-head {
        display: grid !important;
        grid-template-columns: auto 1fr;
        grid-template-areas:
            "icon title"
            "icon desc";
        gap: 2px 20px;
        text-align: left !important;
        align-items: start !important;
    }

    .icc-icon {
        grid-area: icon;
        width: 48px;
        height: 48px;
        font-size: 1.5rem;
        margin-bottom: 0 !important;
    }

    .icc-text h3 {
        grid-area: title;
        font-size: 1.2rem;
        margin-bottom: 2px !important;
    }

    .icc-text p {
        grid-area: desc;
        font-size: 0.92rem;
        margin-bottom: 0 !important;
    }

    .icc-expand {
        margin-top: 16px;
        width: 100%;
        justify-content: flex-start;
    }

    /* ── Featured Guides ── */
    .ins-guide-card {
        min-width: 280px;
        padding: 28px 24px;
    }

    /* ── Principles Section (Split) ── */
    .ins-split {
        flex-direction: column;
        gap: 40px;
        text-align: center;
    }

    .ins-principles-left,
    .ins-principles-right {
        width: 100%;
    }

    .ins-title-light {
        font-size: 1.8rem;
        margin-bottom: 20px;
    }

    .ins-body-light {
        font-size: 1rem;
        margin-bottom: 0;
    }

    .ins-principle {
        text-align: left;
        padding: 18px 20px;
        border-radius: 16px;
    }

    /* ── Coverage Grid ── */
    .ins-coverage-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .ins-coverage-card {
        padding: 30px 24px;
        border-radius: 20px;
    }

    /* ── FAQ ── */
    .ia-header {
        padding: 20px;
        font-size: 1.05rem;
    }

    .ia-body {
        padding: 0 20px;
    }

    .ia-item.open .ia-body {
        padding: 0 20px 20px;
    }

    /* ── Life Stages (Horizontal to Vertical Roadmap) ── */
    .ins-stage-wrap {
        padding: 0;
    }

    .ins-stage-line-track {
        width: 2px;
        height: 100%;
        top: 0;
        bottom: 0;
        left: 10px;
        right: auto;
        transform: none;
    }

    .ins-stage-line-fill {
        width: 100%;
        height: 0;
        /* JS will fill this */
    }

    .ins-stages {
        display: flex;
        flex-direction: column;
        gap: 16px;
        padding-left: 24px;
        text-align: left;
    }

    .ins-stage-card {
        width: 100%;
        text-align: left;
        padding: 20px;
        display: flex;
        flex-direction: row;
        align-items: center;
        gap: 20px;
        border-radius: 16px;
    }

    .isc-icon {
        font-size: 1.8rem;
        margin: 0 !important;
        flex-shrink: 0;
    }

    .ins-stage-card h4 {
        font-size: 1.1rem;
        margin-bottom: 4px;
    }

    .ins-stage-card p {
        font-size: 0.9rem;
        margin-bottom: 0;
    }

    .isc-tag {
        position: static;
        margin-top: 6px;
        display: inline-block;
        font-size: 0.75rem;
    }

    /* ── AI Assistant Card ── */
    .ins-ai-card {
        flex-direction: column;
        padding: 40px 24px;
        gap: 40px;
    }

    .ins-ai-left,
    .ins-ai-right {
        width: 100%;
        text-align: center;
    }

    .ins-ai-chips {
        justify-content: center;
    }

    .ins-ai-chip {
        padding: 8px 16px;
        font-size: 0.85rem;
    }

    /* ── Final CTA ── */
    .ins-final .island-card {
        padding: 60px 24px;
        border-radius: 32px;
    }

    .btn-ins-solid {
        border-radius: 36px !important;
        padding: 18px 40px;
        justify-content: center;
        display: inline-flex;
        width: 100%;
    }
}

/* ── Extra-small phones ── */
@media (max-width: 400px) {
    .ins-hero-title {
        font-size: 1.8rem;
    }

    .ins-intro-card h2 {
        font-size: 1.4rem;
    }

    .ins-title-light {
        font-size: 1.5rem;
    }

    .ins-final-banner h2 {
        font-size: 1.5rem;
    }

    .etb-pill {
        padding: 5px 10px;
        font-size: 0.75rem;
    }
}

/* ══════════════════════════════════════════
   LOCALIZED ICON SYSTEM (sfv-icon-box)
══════════════════════════════════════════ */
.sfv-icon-box {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    background: #ffffff;
    border-radius: 12px;
    color: var(--blue-mid, #2563eb);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
    border: 1px solid var(--border, #e5e7eb);
    position: relative;
    overflow: hidden;
    flex-shrink: 0;
}

.sfv-icon-box::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.05), rgba(37, 99, 235, 0.1));
    opacity: 0;
    transition: opacity 0.3s ease;
}

.sfv-icon-box:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1);
    border-color: var(--blue-light, #dbeafe);
}

.sfv-icon-box:hover::before {
    opacity: 1;
}

.sfv-icon-box i,
.sfv-icon-box svg {
    width: 22px;
    height: 22px;
    stroke-width: 2px;
    position: relative;
    z-index: 1;
}

.sfv-icon-box--sm {
    width: 32px;
    height: 32px;
    border-radius: 8px;
}

.sfv-icon-box--sm i,
.sfv-icon-box--sm svg {
    width: 20px;
    height: 20px;
}

.sfv-icon-box--lg {
    width: 56px;
    height: 56px;
    border-radius: 16px;
}

.sfv-icon-box--lg i,
.sfv-icon-box--lg svg {
    width: 28px;
    height: 28px;
}

.icon-inline {
    display: inline-flex;
    background: transparent !important;
    border: none !important;
    box-shadow: none !important;
    width: auto !important;
    height: auto !important;
    padding: 0 !important;
    
}

.sfv-icon-box--blue {
    color: var(--blue-mid, #2563eb);
}

.sfv-icon-box--green {
    color: var(--slate-green, #22c55e);
}

.sfv-icon-box--amber {
    color: #f59e0b;
}

.sfv-icon-box--indigo {
    color: #4f46e5;
}

.sfv-icon-box--red {
    color: #ef4444;
}