/* ============================================================
   18-insurance.css — Travel Insurance page styles
   Design tokens: 01-tokens.css · Shared: 02-base, 03-utilities, 07-sections
============================================================ */

/* ── HERO ── */
.ip-hero {
  background: var(--grad-hero);
  min-height: 56vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  overflow: hidden;
  padding-top: 66px;
}

.ip-hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}

.ip-hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 65% at 90% 10%, rgba(5,150,105,.12) 0%, transparent 60%),
    radial-gradient(ellipse 50% 55% at 0% 90%,  rgba(8,145,178,.09) 0%, transparent 60%),
    radial-gradient(ellipse 40% 40% at 50% 0%,  rgba(245,158,11,.06) 0%, transparent 55%);
}

.ip-hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.018) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.018) 1px, transparent 1px);
  background-size: 72px 72px;
}

.ip-hero-inner {
  position: relative;
  z-index: 1;
  width: 90%;
  max-width: 1240px;
  margin: 0 auto;
  padding: var(--sp-3xl) 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--sp-lg);
}

/* breadcrumb */
.ip-breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-sm);
  font-family: 'Sora', sans-serif;
  font-size: var(--fs-xs);
  font-weight: 600;
  color: rgba(255,255,255,.45);
}

.ip-breadcrumb a {
  color: rgba(255,255,255,.4);
  text-decoration: none;
  transition: color var(--t-fast);
}

.ip-breadcrumb a:hover { color: var(--amber); }
.ip-breadcrumb i { font-size: 9px; }

/* pill */
.ip-hero-pill {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-sm);
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--r-full);
  padding: 7px var(--sp-md);
  font-family: 'Sora', sans-serif;
  font-size: var(--fs-xs);
  font-weight: 600;
  color: rgba(255,255,255,.85);
}

.ip-hero-pill-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #34d399;
  animation: ip-pulse 2s infinite;
}

@keyframes ip-pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50%       { transform: scale(1.6); opacity: .5; }
}

/* heading */
.ip-hero h1 {
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: clamp(36px, 5vw, 64px);
  line-height: 1.05;
  letter-spacing: -.04em;
  color: #fff;
  margin: 0;
}

.ip-hero h1 em {
  font-style: normal;
  background: linear-gradient(90deg, #34d399, #6ee7b7, #a7f3d0);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.ip-hero-desc {
  font-size: clamp(var(--fs-body), 1.6vw, 17px);
  color: rgba(255,255,255,.62);
  line-height: var(--lh-body);
  max-width: 580px;
  margin: 0;
}

.ip-hero-acts {
  display: flex;
  gap: var(--sp);
  flex-wrap: wrap;
  justify-content: center;
}

/* stats bar */
.ip-stats {
  display: flex;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.13);
  border-radius: var(--r-lg);
  overflow: hidden;
  width: 100%;
  max-width: 640px;
}

.ip-stat {
  flex: 1;
  padding: var(--sp-lg) var(--sp-md);
  text-align: center;
  border-right: 1px solid rgba(255,255,255,.1);
}

.ip-stat:last-child { border-right: none; }

.ip-stat-num {
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: clamp(20px, 2vw, 24px);
  color: #fff;
  line-height: 1;
  margin-bottom: var(--sp-xs);
}

.ip-stat-num em { color: #34d399; font-style: normal; }

.ip-stat-label {
  font-family: 'Sora', sans-serif;
  font-size: 10px;
  font-weight: 600;
  color: rgba(255,255,255,.45);
  letter-spacing: .05em;
  text-transform: uppercase;
}

/* ── PLAN CARDS ── */
.ip-plans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--sp-md);
}

.ip-plan {
  background: #fff;
  border: 1px solid var(--gray-150);
  border-radius: var(--r-xl);
  padding: var(--sp-xl) 22px var(--sp-xl);
  display: flex;
  flex-direction: column;
  gap: var(--sp-md);
  transition: box-shadow var(--t), transform var(--t), border-color var(--t);
  position: relative;
  overflow: hidden;
}

.ip-plan::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
}

.ip-plan--standard::before { background: var(--blue); }
.ip-plan--premium::before  { background: var(--amber); }
.ip-plan--family::before   { background: var(--emerald); }
.ip-plan--business::before { background: var(--violet, #7c3aed); }

.ip-plan:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
  border-color: transparent;
}

.ip-plan--popular {
  border-color: var(--amber);
  box-shadow: 0 0 0 2px rgba(245,158,11,.15);
}

.ip-plan-badge {
  position: absolute;
  top: 18px;
  right: 18px;
  padding: 4px 10px;
  border-radius: var(--r-full);
  background: var(--amber);
  color: #fff;
  font-family: 'Sora', sans-serif;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
}

.ip-plan-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--r);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: #fff;
  flex-shrink: 0;
}

.ip-plan--standard .ip-plan-icon  { background: var(--grad-blue-shine); box-shadow: var(--shadow-blue-sm); }
.ip-plan--premium  .ip-plan-icon  { background: linear-gradient(135deg,var(--amber),#fbbf24); box-shadow: 0 8px 20px rgba(245,158,11,.28); }
.ip-plan--family   .ip-plan-icon  { background: linear-gradient(135deg,var(--emerald),#10b981); box-shadow: 0 8px 20px rgba(5,150,105,.28); }
.ip-plan--business .ip-plan-icon  { background: var(--grad-violet-shine, linear-gradient(135deg,#7c3aed,#a78bfa)); box-shadow: var(--shadow-violet, 0 8px 20px rgba(124,58,237,.28)); }

.ip-plan-name {
  font-family: 'Sora', sans-serif;
  font-size: var(--fs-h5);
  font-weight: 800;
  color: var(--gray-900);
  margin-bottom: 2px;
}

.ip-plan-tagline {
  font-size: var(--fs-sm);
  color: var(--gray-400);
}

.ip-plan-price {
  display: flex;
  align-items: baseline;
  gap: 4px;
}

.ip-plan-price-amount {
  font-family: 'Sora', sans-serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--gray-900);
}

.ip-plan-price-from {
  font-size: var(--fs-xs);
  color: var(--gray-400);
  font-weight: 600;
}

.ip-plan-divider {
  height: 1px;
  background: var(--gray-150);
}

.ip-plan-features {
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}

.ip-plan-feature {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-sm);
  font-size: var(--fs-sm);
  color: var(--gray-600);
  line-height: 1.5;
}

.ip-plan-feature i {
  color: var(--emerald);
  font-size: 12px;
  margin-top: 2px;
  flex-shrink: 0;
}

.ip-plan-feature.ip-plan-feature--no i {
  color: var(--gray-300);
}

.ip-plan-feature.ip-plan-feature--no {
  color: var(--gray-400);
}

.ip-plan-cta {
  margin-top: auto;
}

/* ── COVERAGE GRID ── */
.ip-coverage-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--sp-md);
}

.ip-coverage-card {
  background: #fff;
  border: 1px solid var(--gray-150);
  border-radius: var(--r-xl);
  padding: var(--sp-xl) 22px;
  display: flex;
  flex-direction: column;
  gap: var(--sp-md);
  transition: box-shadow var(--t), transform var(--t), border-color var(--t);
}

.ip-coverage-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
  border-color: transparent;
}

.ip-coverage-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--r);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: #fff;
  flex-shrink: 0;
}

.ip-coverage-icon--blue    { background: var(--grad-blue-shine); box-shadow: var(--shadow-blue-sm); }
.ip-coverage-icon--amber   { background: linear-gradient(135deg,var(--amber),#fbbf24); box-shadow: 0 8px 20px rgba(245,158,11,.28); }
.ip-coverage-icon--emerald { background: linear-gradient(135deg,var(--emerald),#10b981); box-shadow: 0 8px 20px rgba(5,150,105,.28); }
.ip-coverage-icon--violet  { background: var(--grad-violet-shine, linear-gradient(135deg,#7c3aed,#a78bfa)); box-shadow: var(--shadow-violet, 0 8px 20px rgba(124,58,237,.28)); }
.ip-coverage-icon--cyan    { background: linear-gradient(135deg,var(--cyan),#22d3ee); box-shadow: 0 8px 20px rgba(8,145,178,.28); }
.ip-coverage-icon--rose    { background: linear-gradient(135deg,#f43f5e,#fb7185); box-shadow: 0 8px 20px rgba(244,63,94,.28); }

.ip-coverage-title {
  font-family: 'Sora', sans-serif;
  font-size: var(--fs-h5);
  font-weight: 800;
  color: var(--gray-900);
  margin-bottom: var(--sp-xs);
}

.ip-coverage-desc {
  font-size: var(--fs-sm);
  color: var(--gray-500);
  line-height: 1.65;
}

.ip-coverage-limit {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-xs);
  padding: 5px 12px;
  background: var(--blue-pale);
  border-radius: var(--r-full);
  font-family: 'Sora', sans-serif;
  font-size: var(--fs-xs);
  font-weight: 700;
  color: var(--blue);
  width: fit-content;
  margin-top: auto;
}

/* ── HOW IT WORKS ── */
.ip-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
  margin-top: var(--sp-2xl);
}

.ip-steps::before {
  content: '';
  position: absolute;
  top: 27px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: var(--grad-blue-shine);
  z-index: 0;
}

.ip-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 var(--sp-md);
  position: relative;
  z-index: 1;
}

.ip-step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--grad-blue-shine);
  color: #fff;
  font-family: 'Sora', sans-serif;
  font-size: 20px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-blue-sm);
  margin-bottom: var(--sp-lg);
  border: 3px solid #fff;
}

.ip-step-title {
  font-family: 'Sora', sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 6px;
}

.ip-step-desc {
  font-size: 12px;
  color: var(--gray-500);
  line-height: 1.65;
}

/* ── TRUST BAR ── */
.ip-trust {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--sp-md);
  padding: var(--sp-xl) 0;
}

.ip-trust-item {
  display: flex;
  align-items: center;
  gap: var(--sp-md);
}

.ip-trust-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--r);
  background: var(--blue-pale);
  color: var(--blue);
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ip-trust-text strong {
  display: block;
  font-family: 'Sora', sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 2px;
}

.ip-trust-text span {
  font-size: var(--fs-xs);
  color: var(--gray-400);
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .ip-plans-grid    { grid-template-columns: repeat(2, 1fr); }
  .ip-coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .ip-steps         { grid-template-columns: repeat(2, 1fr); gap: var(--sp-xl); }
  .ip-steps::before { display: none; }
  .ip-trust         { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .ip-hero-inner { padding: var(--sp-3xl) 0 var(--sp-2xl); }
  .ip-stats      { flex-wrap: wrap; }
  .ip-stat       { flex: 1 1 50%; border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); }
  .ip-stat:nth-child(odd)  { border-right: 1px solid rgba(255,255,255,.1); }
  .ip-stat:last-child      { border-bottom: none; }
  .ip-plans-grid    { grid-template-columns: 1fr; }
  .ip-coverage-grid { grid-template-columns: 1fr; }
  .ip-steps         { grid-template-columns: 1fr; }
  .ip-trust         { grid-template-columns: 1fr; }
}