/* ─── Insurance Page Styles ─────────────────────────────────── */

/* ─── Hero ───────────────────────────────────────────────────── */
.ins-hero {
  background: var(--navy);
  padding: 80px 24px 72px;
  position: relative;
  overflow: hidden;
}

.ins-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 50% 60% at 80% 30%, rgba(42,122,122,0.18) 0%, transparent 70%);
  pointer-events: none;
}

.ins-hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

.ins-hero-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 14px;
}

.ins-hero-headline {
  font-family: var(--font-display);
  font-size: clamp(30px, 4vw, 50px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: #fff;
  margin-bottom: 18px;
}

.ins-hero-sub {
  font-size: 17px;
  line-height: 1.7;
  color: rgba(255,255,255,0.68);
  max-width: 540px;
}

/* ─── Shared Section Typography ─────────────────────────────── */
.ins-providers,
.ins-private-pay,
.ins-cta {
  padding: 80px 24px;
}

.ins-providers-inner,
.ins-private-pay-inner,
.ins-cta-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.ins-section-headline {
  font-family: var(--font-display);
  font-size: clamp(24px, 3vw, 38px);
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--navy);
  margin-bottom: 12px;
}

.ins-section-sub {
  font-size: 16px;
  color: var(--fg-muted);
  max-width: 520px;
  margin-bottom: 48px;
  line-height: 1.7;
}

/* ─── Providers Grid ─────────────────────────────────────────── */
.ins-providers {
  background: var(--surface);
}

.ins-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}

.ins-card {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  background: var(--bg-warm);
  border: 1px solid var(--border);
  border-radius: 12px;
}

.ins-card-check {
  flex-shrink: 0;
}

.ins-card-name {
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
}

.ins-note {
  padding: 16px 20px;
  background: rgba(42,122,122,0.08);
  border-radius: 10px;
  border-left: 4px solid var(--teal);
}

.ins-note p {
  font-size: 15px;
  color: var(--teal-dark);
  font-weight: 500;
  line-height: 1.6;
}

/* ─── Private Pay ─────────────────────────────────────────────── */
.ins-private-pay {
  background: var(--bg-warm);
}

.ins-rates-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.ins-rate-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.ins-rate-card--featured {
  background: var(--navy);
  border-color: var(--navy);
  position: relative;
}

.ins-rate-badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--orange);
  color: #fff;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 100px;
  white-space: nowrap;
}

.ins-rate-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
}

.ins-rate-card--featured .ins-rate-label {
  color: rgba(255,255,255,0.6);
}

.ins-rate-amount {
  font-family: var(--font-display);
  font-size: 42px;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 4px 0;
}

.ins-rate-card--featured .ins-rate-amount {
  color: #fff;
}

.ins-rate-amount--flex {
  color: var(--teal-dark);
  font-size: 28px;
}

.ins-rate-detail {
  font-size: 13px;
  color: var(--fg-muted);
}

.ins-rate-card--featured .ins-rate-detail {
  color: rgba(255,255,255,0.5);
}

/* ─── CTA ─────────────────────────────────────────────────────── */
.ins-cta {
  background: linear-gradient(160deg, var(--navy) 0%, #152033 100%);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.ins-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 50% 50% at 50% 50%, rgba(42,122,122,0.15) 0%, transparent 65%);
  pointer-events: none;
}

.ins-cta-inner {
  position: relative;
}

.ins-cta-headline {
  font-family: var(--font-display);
  font-size: clamp(26px, 3vw, 40px);
  font-weight: 600;
  letter-spacing: -0.02em;
  color: #fff;
  margin-bottom: 14px;
}

.ins-cta-sub {
  font-size: 16px;
  line-height: 1.7;
  color: rgba(255,255,255,0.65);
  max-width: 480px;
  margin: 0 auto 32px;
}

.ins-cta-btn {
  display: inline-block;
  background: var(--orange);
  color: #fff;
  padding: 14px 32px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  margin-bottom: 20px;
}

.ins-cta-btn:hover {
  background: var(--orange-dark);
  transform: translateY(-1px);
}

.ins-back-link {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,0.4);
  text-decoration: none;
  transition: color 0.2s;
}

.ins-back-link:hover {
  color: rgba(255,255,255,0.7);
}

/* ─── Responsive ─────────────────────────────────────────────── */
@media (max-width: 768px) {
  .ins-grid { grid-template-columns: 1fr 1fr; }
  .ins-rates-grid { grid-template-columns: 1fr; }
  .ins-providers, .ins-private-pay, .ins-cta { padding: 56px 20px; }
  .ins-hero { padding: 56px 20px; }
}

@media (max-width: 480px) {
  .ins-grid { grid-template-columns: 1fr; }
  .ins-card { padding: 14px 16px; }
  .ins-rate-card { padding: 24px; }
}