/* ===================================================
   SUPERSAGA - Term Insurance Page Styles
   =================================================== */

/* =============================================
   1. PAGE HERO
   ============================================= */
.ti-hero {
  min-height: 100vh;
  background: linear-gradient(135deg, #0f2460 0%, #1a3c8f 40%, #1e3a5f 75%, #0d2137 100%);
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}
.ti-hero::before {
  content: '';
  position: absolute;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(245,158,11,0.12) 0%, transparent 70%);
  top: -200px; right: -200px;
  border-radius: 50%;
  pointer-events: none;
}
.ti-hero::after {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(59,111,212,0.18) 0%, transparent 70%);
  bottom: -120px; left: -120px;
  border-radius: 50%;
  pointer-events: none;
}

.ti-hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.ti-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(245,158,11,0.15);
  border: 1px solid rgba(245,158,11,0.35);
  color: var(--accent-light);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  margin-bottom: 24px;
}
.ti-badge-dot {
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse-dot 1.5s infinite;
}
@keyframes pulse-dot {
  0%,100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.4); }
}

.ti-hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.5vw, 3.2rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 20px;
}
.ti-hero-title .highlight {
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.ti-hero-subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
  margin-bottom: 32px;
  max-width: 480px;
}

.ti-trust-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 36px;
}
.ti-trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  font-size: 0.82rem;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  backdrop-filter: blur(6px);
}
.ti-trust-pill span { font-size: 1rem; }

/* Calculator Card */
.ti-calc-card {
  background: rgba(255,255,255,0.07);
  backdrop-filter: blur(24px);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  position: relative;
  z-index: 1;
}
.ti-calc-title {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}
.ti-calc-sub {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 28px;
}

.calc-field { margin-bottom: 20px; }
.calc-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.calc-options {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.calc-option {
  flex: 1;
  min-width: 70px;
  padding: 10px 12px;
  background: rgba(255,255,255,0.07);
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-md);
  color: rgba(255,255,255,0.75);
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  text-align: center;
  transition: var(--transition-fast);
}
.calc-option:hover {
  background: rgba(245,158,11,0.15);
  border-color: var(--accent);
}
.calc-option.active {
  background: var(--gradient-accent);
  border-color: var(--accent);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(245,158,11,0.4);
}

.calc-divider {
  height: 1px;
  background: rgba(255,255,255,0.1);
  margin: 24px 0;
}

.ti-calc-result-box {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}
.ti-calc-result {
  background: rgba(16,185,129,0.12);
  border: 1.5px solid rgba(16,185,129,0.3);
  border-radius: var(--radius-lg);
  padding: 16px;
  text-align: center;
}
.ti-calc-result.cover-box {
  background: rgba(245,158,11,0.1);
  border-color: rgba(245,158,11,0.3);
}
.calc-result-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 6px;
}
.calc-result-amount {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 800;
  color: #34d399;
  transition: all 0.3s ease;
}
.cover-box .calc-result-amount { color: #fbbf24; }
.calc-result-note {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.4);
  margin-top: 4px;
}

.calc-cta {
  width: 100%;
  display: block;
  text-align: center;
  padding: 14px;
  background: var(--gradient-accent);
  color: var(--white);
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: var(--radius-full);
  box-shadow: 0 6px 24px rgba(245,158,11,0.4);
  transition: var(--transition-med);
}
.calc-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(245,158,11,0.55);
}

/* =============================================
   2. WHY TERM INSURANCE — BENEFITS
   ============================================= */
.ti-benefits {
  padding: var(--section-pad);
  background: var(--off-white);
}
.ti-section-header {
  text-align: center;
  margin-bottom: 60px;
}
.ti-benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.ti-benefit-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--mid-gray);
  transition: var(--transition-med);
}
.ti-benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-light);
}
.ti-benefit-icon {
  width: 72px; height: 72px;
  background: linear-gradient(135deg, rgba(26,60,143,0.08), rgba(41,82,184,0.12));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px;
  transition: var(--transition-med);
}
.ti-benefit-card:hover .ti-benefit-icon {
  background: var(--gradient-hero);
  transform: scale(1.1);
}
.ti-benefit-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.ti-benefit-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* =============================================
   3. PLAN TYPES — 4 CARDS
   ============================================= */
.ti-plans {
  padding: var(--section-pad);
  background: var(--white);
}
.ti-plans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 50px;
}
.ti-plan-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  border: 2px solid var(--mid-gray);
  padding: 30px 24px;
  position: relative;
  transition: var(--transition-med);
  display: flex;
  flex-direction: column;
}
.ti-plan-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}
.ti-plan-card.recommended {
  border-color: var(--accent);
  background: linear-gradient(145deg, #fff9f0, #fff);
}
.ti-plan-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gradient-accent);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 18px;
  border-radius: var(--radius-full);
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(245,158,11,0.4);
}
.ti-plan-icon { font-size: 2.2rem; margin-bottom: 14px; }
.ti-plan-title {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.ti-plan-sub {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 20px;
  line-height: 1.6;
}
.ti-plan-features {
  list-style: none;
  margin-bottom: 24px;
  flex: 1;
}
.ti-plan-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.84rem;
  color: var(--text-body);
  padding: 7px 0;
  border-bottom: 1px solid var(--light-gray);
}
.ti-plan-features li:last-child { border-bottom: none; }
.ti-plan-features li::before {
  content: '✓';
  color: var(--success);
  font-weight: 800;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.ti-plan-cta {
  display: block;
  text-align: center;
  padding: 12px;
  border: 2px solid var(--primary);
  border-radius: var(--radius-full);
  color: var(--primary);
  font-weight: 700;
  font-size: 0.88rem;
  transition: var(--transition-fast);
}
.ti-plan-cta:hover,
.ti-plan-card.recommended .ti-plan-cta {
  background: var(--gradient-hero);
  color: var(--white);
  border-color: transparent;
  box-shadow: var(--shadow-md);
}

/* =============================================
   4. COMPARISON TABLE
   ============================================= */
.ti-compare {
  padding: var(--section-pad);
  background: var(--off-white);
}
.ti-compare-wrap {
  overflow-x: auto;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  margin-top: 50px;
}
.ti-compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  min-width: 680px;
}
.ti-compare-table th {
  padding: 22px 20px;
  text-align: center;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
}
.ti-compare-table th:first-child {
  text-align: left;
  padding-left: 28px;
  color: var(--text-muted);
  font-size: 0.85rem;
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  background: var(--light-gray);
}
.ti-compare-table th.basic-col { background: var(--light-gray); color: var(--text-dark); }
.ti-compare-table th.standard-col { background: var(--gradient-hero); color: var(--white); }
.ti-compare-table th.premium-col { background: linear-gradient(135deg, #1e293b, #334155); color: var(--white); }
.ti-compare-table td {
  padding: 14px 20px;
  text-align: center;
  font-size: 0.875rem;
  color: var(--text-body);
  border-bottom: 1px solid var(--light-gray);
}
.ti-compare-table td:first-child {
  text-align: left;
  padding-left: 28px;
  font-weight: 600;
  color: var(--text-dark);
}
.ti-compare-table tr:last-child td { border-bottom: none; }
.ti-compare-table tr:nth-child(even) td { background: rgba(248,250,255,0.6); }
.ti-compare-table .check { color: #10b981; font-size: 1.1rem; font-weight: 800; }
.ti-compare-table .cross { color: #ef4444; font-size: 1.1rem; }
.ti-compare-table .std-col-td { background: rgba(26,60,143,0.04); font-weight: 600; color: var(--primary-dark); }
.best-tag {
  display: inline-block;
  background: var(--accent);
  color: white;
  font-size: 0.65rem;
  padding: 2px 8px;
  border-radius: 10px;
  margin-left: 6px;
  font-family: var(--font-body);
  font-weight: 700;
  letter-spacing: 0.05em;
  vertical-align: middle;
}

/* =============================================
   5. CLAIM PROCESS
   ============================================= */
.ti-claim {
  padding: var(--section-pad);
  background: var(--white);
}
.ti-claim-steps {
  display: flex;
  align-items: flex-start;
  gap: 0;
  margin-top: 60px;
  position: relative;
}
.ti-claim-steps::before {
  content: '';
  position: absolute;
  top: 44px;
  left: calc(16.66% + 12px);
  right: calc(16.66% + 12px);
  height: 3px;
  background: linear-gradient(90deg, var(--primary-light), var(--accent));
  z-index: 0;
}
.ti-claim-step {
  flex: 1;
  text-align: center;
  padding: 0 16px;
  position: relative;
  z-index: 1;
}
.ti-claim-num {
  width: 88px; height: 88px;
  background: var(--gradient-hero);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin: 0 auto 24px;
  box-shadow: 0 8px 28px rgba(26,60,143,0.35);
  border: 4px solid var(--white);
  transition: var(--transition-med);
}
.ti-claim-step:hover .ti-claim-num {
  transform: scale(1.1);
  box-shadow: 0 12px 36px rgba(26,60,143,0.45);
}
.ti-claim-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.ti-claim-desc {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.65;
  max-width: 200px;
  margin: 0 auto;
}

/* =============================================
   6. CLAIM REJECTION
   ============================================= */
.ti-rejection {
  padding: var(--section-pad);
  background: linear-gradient(135deg, #fff5f5 0%, #fff9f0 100%);
  position: relative;
  overflow: hidden;
}
.ti-rejection::before {
  content: '⚠️';
  position: absolute;
  font-size: 18rem;
  opacity: 0.04;
  top: -40px; right: -40px;
  pointer-events: none;
  line-height: 1;
}
.ti-rejection-inner {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 60px;
  align-items: center;
}
.ti-rejection-left .section-label { color: var(--danger); }
.ti-rejection-left .section-label::before { background: linear-gradient(135deg, #ef4444, #f97316); }
.ti-rejection-intro {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 24px;
}
.ti-rejection-tip {
  background: var(--white);
  border-left: 4px solid var(--success);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 16px 20px;
  font-size: 0.875rem;
  color: var(--text-body);
  box-shadow: var(--shadow-sm);
}
.ti-rejection-tip strong { color: var(--success); display: block; margin-bottom: 4px; }
.ti-rejection-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.ti-rejection-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  border: 1.5px solid #fecaca;
  box-shadow: 0 4px 16px rgba(239,68,68,0.07);
  transition: var(--transition-med);
}
.ti-rejection-card:hover {
  transform: translateY(-4px);
  border-color: var(--danger);
  box-shadow: 0 8px 28px rgba(239,68,68,0.15);
}
.ti-rejection-card-icon { font-size: 1.8rem; margin-bottom: 12px; display: block; }
.ti-rejection-card-title { font-size: 0.9rem; font-weight: 700; color: #991b1b; margin-bottom: 6px; }
.ti-rejection-card-desc { font-size: 0.8rem; color: var(--text-muted); line-height: 1.6; }

/* =============================================
   7. FAQ
   ============================================= */
.ti-faq {
  padding: var(--section-pad);
  background: var(--off-white);
}
.ti-faq-list {
  max-width: 760px;
  margin: 50px auto 0;
}
.ti-faq-item {
  background: var(--white);
  border-radius: var(--radius-lg);
  margin-bottom: 14px;
  border: 1.5px solid var(--mid-gray);
  overflow: hidden;
  transition: var(--transition-fast);
}
.ti-faq-item.open {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-md);
}
.ti-faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: none;
  cursor: pointer;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  gap: 16px;
}
.ti-faq-q:hover { color: var(--primary); }
.ti-faq-icon {
  width: 28px; height: 28px;
  background: var(--light-gray);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary);
  flex-shrink: 0;
  transition: var(--transition-fast);
}
.ti-faq-item.open .ti-faq-icon {
  background: var(--primary);
  color: var(--white);
  transform: rotate(45deg);
}
.ti-faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1);
}
.ti-faq-item.open .ti-faq-a { max-height: 300px; }
.ti-faq-a-inner {
  padding: 16px 24px 22px;
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.75;
  border-top: 1px solid var(--light-gray);
}

/* =============================================
   CTA STRIP
   ============================================= */
.ti-cta-strip {
  background: var(--gradient-hero);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.ti-cta-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.ti-cta-strip h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}
.ti-cta-strip p {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  margin-bottom: 36px;
  position: relative;
}
.ti-cta-btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
}

/* Footer & WhatsApp — reused from global */
.footer { background: var(--text-dark); color: rgba(255,255,255,0.7); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-logo-name { font-size: 1.85rem; font-weight: 800; color: var(--white); font-family: var(--font-display); }
.footer-tagline { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin: 8px 0 20px; }
.footer-col h4 { font-size: 0.9rem; font-weight: 700; color: var(--white); margin-bottom: 18px; text-transform: uppercase; letter-spacing: 0.06em; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.55); transition: var(--transition-fast); }
.footer-col ul li a:hover { color: var(--accent); padding-left: 4px; }
.footer-bottom { padding: 20px 0; display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem; color: rgba(255,255,255,0.35); flex-wrap: wrap; gap: 12px; }
.footer-irdai { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius-md); padding: 6px 14px; font-size: 0.78rem; color: rgba(255,255,255,0.4); }
.whatsapp-float { position: fixed; bottom: 32px; right: 32px; width: 60px; height: 60px; background: #25d366; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.8rem; box-shadow: 0 6px 24px rgba(37,211,102,0.45); z-index: 999; transition: var(--transition-med); text-decoration: none; }
.whatsapp-float:hover { transform: scale(1.12); box-shadow: 0 12px 36px rgba(37,211,102,0.6); }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1100px) {
  .ti-plans-grid { grid-template-columns: repeat(2, 1fr); }
  .ti-benefits-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1024px) {
  .ti-hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .ti-rejection-inner { grid-template-columns: 1fr; gap: 40px; }
  .ti-claim-steps::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .ti-hero { padding: 120px 0 60px; }
  .ti-plans-grid { grid-template-columns: 1fr; }
  .ti-benefits-grid { grid-template-columns: 1fr 1fr; }
  .ti-rejection-grid { grid-template-columns: 1fr; }
  .ti-claim-steps { flex-direction: column; align-items: center; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr; }
}