/* ─────────────────────────────────────────────────────────────
   2026-07-27 FIX: is file me headings 'Playfair Display' (serif)
   aur body 'Plus Jakarta Sans' maangti thi, par includes/header.php
   sirf Inter load karta hai — dono fonts kabhi aayi hi nahi.

   Nateeja: saare section headings TIMES NEW ROMAN me dikh rahe the
   (generic serif fallback), jo design se bilkul alag hai aur
   home/about/contact se bhi mel nahi khata.

   Ab Inter par — wahi jo baaki site use karti hai. Zero extra
   font download, aur typography poore site par ek jaisi.

   Playfair chahiye ho to header.php me font link add kar dijiye,
   phir yahan wapas laga dijiyega.
   ───────────────────────────────────────────────────────────── */

/* ═══════════════════════════════════════════════════════════════════════
   TERM INSURANCE PAGE — FINAL MERGED
   Scoped under .page-term. All tokens local + fallback-safe.
   Bootstrap grid used for layout; no Tailwind utility classes.
═══════════════════════════════════════════════════════════════════════ */
.page-term {
    --acc: #1d4ed8;
    --acc-dk: #1e40af;
    --pale: #eff6ff;
    --ink: #0d1b2a;
    --ink-2: #334155;
    --ink-soft: #4a5568;
    --surface: #f8fafc;
    --white: #ffffff;
    --border: #e2e8f0;
    --green: #16a34a;
    --green-lt: #f0fdf4;

    /* Radii */
    --r-sm: 12px;
    --r-md: 20px;
    --r-lg: 28px;
    --r-xl: 36px;
    --r-pill: 100px;

    /* Shadows */
    --sh-sm: 0 2px 8px rgba(13, 27, 42, 0.06);
    --sh-md: 0 8px 32px rgba(13, 27, 42, 0.1);
    --sh-lg: 0 20px 60px rgba(13, 27, 42, 0.14);

    --t: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    font-family: Inter, system-ui, sans-serif;
    color: var(--ink);
}
.page-term img {
    display: block;
    max-width: 100%;
}
.page-term a {
    text-decoration: none;
}

/* ── Section spacing ── */
.page-term section {
    padding: 5rem 0;
}
.page-term .sec-lbl {
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--acc);
    margin-bottom: 0.6rem;
    display: block;
}
.page-term .sec-h {
    font-family: Inter, system-ui, sans-serif;
    font-size: clamp(1.7rem, 3.5vw, 2.5rem);
    font-weight: 800;
    color: var(--ink);
    line-height: 1.2;
    letter-spacing: -0.02em;
    margin-bottom: 0.9rem;
}
.page-term .sec-sub {
    font-size: 0.98rem;
    color: var(--ink-soft);
    max-width: 560px;
    line-height: 1.75;
}

/* ─────────────────────────────────────────────────────────────────────
   HERO
───────────────────────────────────────────────────────────────────── */
.page-term .ti-hero {
    background: linear-gradient(140deg, #0d1b2a 0%, #1e3a8a 55%, #1d4ed8 100%);
    padding: 6rem 0 5rem;
    position: relative;
    overflow: hidden;
}
/* Dot-grid texture */
.page-term .ti-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    pointer-events: none;
    background-image: linear-gradient(
            rgba(255, 255, 255, 0.025) 1px,
            transparent 1px
        ),
        linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
    background-size: 56px 56px;
}
/* Glow orbs */
.page-term .ti-hero::after {
    content: "";
    position: absolute;
    inset: 0;
    pointer-events: none;
    background: radial-gradient(
            ellipse 55% 65% at 90% 35%,
            rgba(29, 78, 216, 0.3) 0%,
            transparent 55%
        ),
        radial-gradient(
            ellipse 35% 40% at 5% 80%,
            rgba(255, 255, 255, 0.04) 0%,
            transparent 55%
        );
}

.page-term .breadcrumb-bar {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.5);
    margin-bottom: 1.4rem;
    position: relative;
    z-index: 2;
}
.page-term .breadcrumb-bar a {
    color: rgba(255, 255, 255, 0.65);
    transition: color 0.2s;
}
.page-term .breadcrumb-bar a:hover {
    color: #fff;
}
.page-term .breadcrumb-bar span {
    color: rgba(255, 255, 255, 0.35);
    margin: 0 0.4rem;
}

.page-term .ti-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 0.35rem 0.95rem;
    border-radius: var(--r-pill);
    margin-bottom: 1.25rem;
}

.page-term .hero-title {
    font-family: Inter, system-ui, sans-serif;
    font-size: clamp(2.1rem, 5vw, 3.4rem);
    font-weight: 800;
    line-height: 1.14;
    color: #fff;
    margin-bottom: 1.1rem;
    letter-spacing: -0.025em;
}
.page-term .hero-title em {
    font-style: normal;
    color: #93c5fd;
}

.page-term .hero-lead {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.72);
    max-width: 500px;
    line-height: 1.75;
    margin-bottom: 2rem;
}

/* Stats strip */
.page-term .hero-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
    margin-bottom: 2.2rem;
}
.page-term .hstat {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: var(--r-sm);
    padding: 0.9rem 1.3rem;
    text-align: center;
    min-width: 108px;
    transition: var(--t);
}
.page-term .hstat:hover {
    background: rgba(255, 255, 255, 0.13);
    border-color: rgba(255, 255, 255, 0.25);
}
.page-term .hstat-val {
    font-family: Inter, system-ui, sans-serif;
    font-size: 1.6rem;
    font-weight: 800;
    color: #93c5fd;
    line-height: 1;
    display: block;
}
.page-term .hstat-lbl {
    font-size: 0.7rem;
    color: rgba(255, 255, 255, 0.55);
    margin-top: 0.25rem;
    display: block;
}

/* Buttons */
.page-term .btn-acc {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    background: var(--acc);
    color: #fff;
    border: 2px solid var(--acc);
    padding: 0.78rem 1.9rem;
    border-radius: var(--r-pill);
    font-weight: 700;
    font-size: 0.9rem;
    transition: var(--t);
}
.page-term .btn-acc:hover {
    background: var(--acc-dk);
    border-color: var(--acc-dk);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(29, 78, 216, 0.4);
}
.page-term .btn-ghost-w {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255, 255, 255, 0.32);
    padding: 0.78rem 1.9rem;
    border-radius: var(--r-pill);
    font-weight: 700;
    font-size: 0.9rem;
    transition: var(--t);
}
.page-term .btn-ghost-w:hover {
    border-color: #fff;
    background: rgba(255, 255, 255, 0.1);
    color: #fff;
    transform: translateY(-2px);
}

/* Quick-estimate card */
.page-term .qe-card {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--r-lg);
    padding: 2rem;
    position: relative;
    z-index: 2;
}
.page-term .qe-label {
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.45);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-weight: 700;
    margin-bottom: 1.25rem;
    display: block;
}
.page-term .qe-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.85rem;
}
.page-term .qe-item {
    background: rgba(255, 255, 255, 0.06);
    border-radius: var(--r-sm);
    padding: 1rem;
    transition: var(--t);
}
.page-term .qe-item:hover {
    background: rgba(255, 255, 255, 0.1);
}
.page-term .qe-profile {
    font-size: 0.7rem;
    color: rgba(255, 255, 255, 0.45);
    margin-bottom: 0.35rem;
}
.page-term .qe-cover {
    font-size: 0.82rem;
    color: #fff;
    font-weight: 600;
}
.page-term .qe-premium {
    font-size: 1.1rem;
    font-weight: 800;
    color: #93c5fd;
    margin-top: 0.1rem;
}
.page-term .qe-note {
    font-size: 0.68rem;
    color: rgba(255, 255, 255, 0.35);
    margin-top: 1rem;
    margin-bottom: 0;
}

/* ─────────────────────────────────────────────────────────────────────
   HOW IT WORKS
───────────────────────────────────────────────────────────────────── */
.page-term .how-section {
    background: var(--surface);
}
.page-term .how-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 2rem;
    box-shadow: var(--sh-sm);
    transition: var(--t);
    height: 100%;
    position: relative;
    overflow: hidden;
}
.page-term .how-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--acc);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.35s ease;
}
.page-term .how-card:hover::before {
    transform: scaleX(1);
}
.page-term .how-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--sh-md);
    border-color: var(--acc);
}
.page-term .how-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--r-sm);
    background: var(--pale);
    color: var(--acc);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    margin-bottom: 1.1rem;
    transition: var(--t);
}
.page-term .how-card:hover .how-icon {
    background: var(--acc);
    color: #fff;
}
.page-term .how-num {
    font-family: Inter, system-ui, sans-serif;
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--acc);
    opacity: 0.12;
    line-height: 1;
    position: absolute;
    top: 1rem;
    right: 1.25rem;
}
.page-term .how-card h4 {
    font-weight: 700;
    font-size: 0.97rem;
    color: var(--ink);
    margin-bottom: 0.45rem;
}
.page-term .how-card p {
    font-size: 0.86rem;
    color: var(--ink-soft);
    line-height: 1.7;
    margin: 0;
}

/* ─────────────────────────────────────────────────────────────────────
   KEY BENEFITS
───────────────────────────────────────────────────────────────────── */
.page-term .benefit-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 1.5rem;
    box-shadow: var(--sh-sm);
    transition: var(--t);
    height: 100%;
    border-left: 3px solid var(--acc);
}
.page-term .benefit-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--sh-md);
}
.page-term .benefit-card .b-icon {
    width: 38px;
    height: 38px;
    border-radius: 9px;
    background: var(--pale);
    color: var(--acc);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.9rem;
    margin-bottom: 0.9rem;
}
.page-term .benefit-card h5 {
    font-weight: 700;
    font-size: 0.93rem;
    color: var(--ink);
    margin-bottom: 0.4rem;
}
.page-term .benefit-card p {
    font-size: 0.85rem;
    color: var(--ink-soft);
    line-height: 1.65;
    margin: 0;
}

/* ─────────────────────────────────────────────────────────────────────
   WHO NEEDS IT
───────────────────────────────────────────────────────────────────── */
.page-term .who-section {
    background: var(--pale);
}
.page-term .who-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 1.5rem;
    display: flex;
    gap: 1rem;
    align-items: flex-start;
    box-shadow: var(--sh-sm);
    transition: var(--t);
    height: 100%;
}
.page-term .who-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--sh-md);
}
.page-term .who-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--acc);
    flex-shrink: 0;
    margin-top: 5px;
}
.page-term .who-card strong {
    font-size: 0.93rem;
    color: var(--ink);
    display: block;
    margin-bottom: 0.3rem;
    font-weight: 700;
}
.page-term .who-card span {
    font-size: 0.84rem;
    color: var(--ink-soft);
    line-height: 1.65;
}

/* ─────────────────────────────────────────────────────────────────────
   PLAN COMPARISON TABLE
───────────────────────────────────────────────────────────────────── */
.page-term .table-section {
    background: var(--surface);
}
.page-term .table-scroll {
    overflow-x: auto;
    border-radius: var(--r-md);
}
.page-term .plans-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border-radius: var(--r-md);
    overflow: hidden;
    box-shadow: var(--sh-md);
}
.page-term .plans-table thead tr {
    background: var(--acc);
}
.page-term .plans-table thead th {
    padding: 1rem 1.25rem;
    color: #fff;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    white-space: nowrap;
}
.page-term .plans-table tbody tr {
    background: var(--white);
    transition: var(--t);
}
.page-term .plans-table tbody tr.best-row {
    background: #fefce8;
}
.page-term .plans-table tbody tr:last-child td {
    border-bottom: none;
}
.page-term .plans-table tbody tr:hover {
    background: var(--pale);
}
.page-term .plans-table tbody td {
    padding: 0.9rem 1.25rem;
    font-size: 0.88rem;
    color: var(--ink-soft);
    vertical-align: middle;
    border-bottom: 1px solid var(--border);
}
.page-term .plans-table tbody td:first-child {
    font-weight: 600;
    color: var(--ink);
}
.page-term .plans-table .premium-cell {
    color: var(--acc);
    font-weight: 700;
    font-size: 0.95rem;
}
.page-term .badge-pill {
    display: inline-block;
    padding: 0.22rem 0.7rem;
    border-radius: var(--r-pill);
    background: var(--pale);
    color: var(--acc);
    font-size: 0.68rem;
    font-weight: 700;
}
.page-term .badge-best {
    background: #fef9c3;
    color: #854d0e;
}
.page-term .table-note {
    font-size: 0.78rem;
    color: var(--ink-soft);
    margin-top: 1rem;
    line-height: 1.6;
}

/* ─────────────────────────────────────────────────────────────────────
   WHY INSUREDGE (differentiation table)
───────────────────────────────────────────────────────────────────── */
.page-term .why-section {
    background: var(--pale);
}
.page-term .why-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border-radius: var(--r-md);
    overflow: hidden;
    box-shadow: var(--sh-md);
}
.page-term .why-table thead tr {
    background: var(--ink);
}
.page-term .why-table thead th {
    padding: 1rem 1.5rem;
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.07em;
    text-transform: uppercase;
}
.page-term .why-table thead th:last-child {
    color: #93c5fd;
}
.page-term .why-table tbody tr {
    background: var(--white);
}
.page-term .why-table tbody tr:nth-child(odd) {
    background: #f8fafc;
}
.page-term .why-table tbody td {
    padding: 1rem 1.5rem;
    font-size: 0.88rem;
    color: var(--ink-soft);
    border-bottom: 1px solid var(--border);
    vertical-align: middle;
}
.page-term .why-table tbody tr:last-child td {
    border-bottom: none;
}
.page-term .why-table tbody td:first-child {
    font-weight: 600;
    color: var(--ink);
}
.page-term .why-table .insuredge-col {
    color: var(--green);
    font-weight: 700;
    background: var(--green-lt) !important;
}

/* ─────────────────────────────────────────────────────────────────────
   COVERAGE CALCULATOR
───────────────────────────────────────────────────────────────────── */
.page-term .calc-section {
    background: var(--surface);
}
.page-term .calc-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--r-lg);
    padding: 2.5rem;
    box-shadow: var(--sh-md);
}
.page-term .calc-label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--ink-2);
    display: block;
    margin-bottom: 0.42rem;
}
.page-term .calc-input {
    width: 100%;
    border: 1.5px solid var(--border);
    border-radius: var(--r-sm);
    padding: 0.7rem 1rem;
    font-size: 0.92rem;
    font-family: inherit;
    color: var(--ink);
    background: var(--white);
    outline: none;
    transition: border-color 0.2s, box-shadow 0.2s;
    appearance: none;
}
.page-term .calc-input:focus {
    border-color: var(--acc);
    box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.1);
}
.page-term .calc-results {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-top: 1.75rem;
}
.page-term .result-card {
    background: var(--pale);
    border: 1px solid rgba(29, 78, 216, 0.15);
    border-radius: var(--r-sm);
    padding: 1.5rem;
    text-align: center;
    border-left: 3px solid var(--acc);
}
.page-term .result-label {
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.09em;
    color: var(--ink-soft);
    margin-bottom: 0.5rem;
    display: block;
}
.page-term .result-val {
    font-family: Inter, system-ui, sans-serif;
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--acc);
    line-height: 1;
    display: block;
}
.page-term .result-sub {
    font-size: 0.73rem;
    color: var(--ink-soft);
    margin-top: 0.4rem;
    display: block;
}
.page-term .calc-note {
    font-size: 0.75rem;
    color: var(--ink-soft);
    margin-top: 1rem;
    line-height: 1.6;
}

/* ─────────────────────────────────────────────────────────────────────
   FAQ ACCORDION
───────────────────────────────────────────────────────────────────── */
.page-term .faq-item {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    overflow: hidden;
    margin-bottom: 0.75rem;
    transition: box-shadow 0.2s;
}
.page-term .faq-item:hover {
    box-shadow: var(--sh-sm);
}
.page-term .faq-q {
    width: 100%;
    text-align: left;
    background: none;
    border: none;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 0.75rem;
    padding: 1.1rem 1.5rem;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--ink);
    font-family: inherit;
    transition: background 0.2s;
}
.page-term .faq-q:hover {
    background: var(--pale);
}
.page-term .faq-q i {
    color: var(--acc);
    font-size: 0.8rem;
    flex-shrink: 0;
    transition: transform 0.25s ease;
}
.page-term .faq-item.open .faq-q i {
    transform: rotate(180deg);
}
.page-term .faq-a {
    display: none;
    padding: 0 1.5rem 1.2rem;
    font-size: 0.88rem;
    color: var(--ink-soft);
    line-height: 1.8;
}
.page-term .faq-item.open .faq-a {
    display: block;
}

/* ─────────────────────────────────────────────────────────────────────
   BOTTOM CTA BAND
───────────────────────────────────────────────────────────────────── */
.page-term .cta-band {
    background: linear-gradient(140deg, #0d1b2a 0%, #1e3a8a 55%, #1d4ed8 100%);
    border-radius: var(--r-xl);
    padding: 4rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.page-term .cta-band::before {
    content: "";
    position: absolute;
    inset: 0;
    pointer-events: none;
    background: radial-gradient(
        ellipse 60% 80% at 80% 50%,
        rgba(29, 78, 216, 0.28) 0%,
        transparent 55%
    );
}
.page-term .cta-band h3 {
    font-family: Inter, system-ui, sans-serif;
    font-size: clamp(1.6rem, 3.5vw, 2.1rem);
    font-weight: 800;
    color: #fff;
    margin-bottom: 0.75rem;
}
.page-term .cta-band p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.98rem;
    margin-bottom: 1.75rem;
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
}

/* ─────────────────────────────────────────────────────────────────────
   SCROLL REVEAL
───────────────────────────────────────────────────────────────────── */
.page-term .reveal {
    opacity: 1;
    transform: translateY(22px);
    transition: opacity 0.65s ease, transform 0.65s ease;
}
.page-term .reveal.in {
    opacity: 1;
    transform: none;
}
.page-term .rd1 {
    transition-delay: 0.08s;
}
.page-term .rd2 {
    transition-delay: 0.16s;
}
.page-term .rd3 {
    transition-delay: 0.24s;
}
.page-term .rd4 {
    transition-delay: 0.32s;
}

/* ─────────────────────────────────────────────────────────────────────
   RESPONSIVE
───────────────────────────────────────────────────────────────────── */
@media (max-width: 991px) {
    .page-term .calc-results {
        grid-template-columns: 1fr;
    }
}
@media (max-width: 767px) {
    .page-term .ti-hero {
        padding: 4rem 0 3rem;
    }
    .page-term section {
        padding: 3.5rem 0;
    }
    .page-term .cta-band {
        padding: 2.5rem 1.5rem;
    }
    .page-term .hero-stats {
        gap: 0.6rem;
    }
    .page-term .hstat {
        min-width: 90px;
        padding: 0.7rem 0.9rem;
    }
    .page-term .qe-grid {
        grid-template-columns: 1fr 1fr;
    }
    .page-term .calc-card {
        padding: 1.75rem;
    }
}
@media (max-width: 479px) {
    .page-term .qe-grid {
        grid-template-columns: 1fr;
    }
}