/* ============================================================
   INNER PAGE & SHARED COMPONENTS
   ============================================================ */

/* ---------- Feature / category cards ---------- */
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.cards-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.feature-card {
  background: #fff; border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg); padding: 28px 26px;
  box-shadow: var(--shadow-sm);
  transition: transform .22s ease, box-shadow .22s ease;
}
.feature-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.feature-card .fc-head { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.feature-card .fc-ico {
  display: grid; place-items: center; width: 48px; height: 48px; flex: none;
  border-radius: 14px; background: var(--sky-100); color: var(--blue-600);
}
.feature-card .fc-ico svg { width: 24px; height: 24px; }
.feature-card h3 { font-size: 1.08rem; line-height: 1.3; }
.feature-card p { font-size: .92rem; color: var(--gray-600); }
.feature-card ul.tick-list { margin-top: 12px; display: flex; flex-direction: column; gap: 8px; }
.feature-card ul.tick-list li {
  display: flex; align-items: flex-start; gap: 9px;
  font-size: .87rem; color: var(--gray-700); font-weight: 500;
}
.feature-card ul.tick-list li svg { width: 16px; height: 16px; color: var(--green-600); flex: none; margin-top: 3px; }

/* ---------- Split / lead section ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split .lead { font-size: 1.12rem; line-height: 1.7; color: var(--gray-800); margin-bottom: 16px; }
.split p { margin-bottom: 14px; }

/* ---------- Note / disclaimer boxes ---------- */
.note-box {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--gold-100); border: 1px solid rgba(201,150,46,.35);
  border-radius: var(--radius); padding: 18px 20px; margin-top: 26px;
}
.note-box .nb-ico { display: grid; place-items: center; width: 34px; height: 34px; flex: none; border-radius: 10px; background: var(--gold-500); color: #fff; }
.note-box .nb-ico svg { width: 18px; height: 18px; }
.note-box p { margin: 0; font-size: .9rem; color: #6b5518; line-height: 1.6; }
.note-box.blue { background: var(--sky-050); border-color: var(--gray-100); }
.note-box.blue p { color: var(--gray-700); }
.note-box.blue .nb-ico { background: var(--blue-600); }
.note-box.green { background: var(--green-100); border-color: rgba(34,167,93,.35); }
.note-box.green p { color: #124f30; }
.note-box.green .nb-ico { background: var(--green-600); }

/* ---------- Insurer / partner chips ---------- */
.partner-chips { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.partner-chip {
  display: inline-flex; align-items: center; gap: 10px;
  background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: 12px 20px;
  font-family: var(--font-head); font-weight: 700; font-size: .9rem; color: var(--navy-900);
  transition: transform .2s ease, box-shadow .2s ease;
}
.partner-chip:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.partner-chip .pc-ico { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 9px; background: var(--sky-100); color: var(--blue-600); }
.partner-chip .pc-ico svg { width: 16px; height: 16px; }
.partner-chip.muted { color: var(--gray-500); border-style: dashed; }
.partner-chip.muted .pc-ico { background: var(--gray-100); color: var(--gray-500); }

/* ---------- FAQ accordion ---------- */
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.faq-q {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  width: 100%; text-align: left; padding: 20px 24px;
  font-family: var(--font-head); font-weight: 700; font-size: 1rem; color: var(--navy-900);
  line-height: 1.4;
}
.faq-q .faq-ico { display: grid; place-items: center; width: 30px; height: 30px; flex: none; border-radius: 50%; background: var(--sky-100); color: var(--blue-600); transition: transform .25s ease, background .25s ease, color .25s ease; }
.faq-q .faq-ico svg { width: 16px; height: 16px; transition: transform .25s ease; }
.faq-item.open .faq-q .faq-ico { background: var(--navy-900); color: #fff; }
.faq-item.open .faq-q .faq-ico svg { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a .faq-inner { padding: 0 24px 22px; font-size: .95rem; color: var(--gray-600); line-height: 1.7; }
.faq-a .faq-inner a { font-weight: 600; }

/* ---------- Fund house directory ---------- */
.fund-search { position: relative; max-width: 560px; margin: 0 auto 26px; }
.fund-search svg { position: absolute; left: 20px; top: 50%; transform: translateY(-50%); width: 19px; height: 19px; color: var(--gray-500); }
.fund-search input {
  width: 100%; padding: 16px 20px 16px 54px; font-family: inherit; font-size: 1rem;
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-pill);
  background: #fff; box-shadow: var(--shadow-sm); outline: none;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.fund-search input:focus { border-color: var(--blue-500); box-shadow: var(--shadow-blue); }
.fund-count { text-align: center; font-size: .85rem; font-weight: 600; color: var(--gray-500); margin-bottom: 20px; }
.fund-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.fund-chip {
  display: flex; align-items: center; gap: 10px;
  background: #fff; border: 1px solid var(--gray-100); border-radius: 12px;
  padding: 12px 16px; font-size: .87rem; font-weight: 600; color: var(--navy-800);
  transition: border-color .2s ease, transform .2s ease, opacity .2s ease;
}
.fund-chip .fcd { width: 9px; height: 9px; border-radius: 3px; background: var(--gold-400); flex: none; }
.fund-chip.hide { display: none; }
.fund-toggle-wrap { text-align: center; margin-top: 26px; }

/* ---------- Contact form ---------- */
.contact-wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: start; }
.contact-form {
  background: #fff; border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 34px 32px;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field label { display: block; font-weight: 600; font-size: .84rem; color: var(--navy-900); margin-bottom: 7px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; font-family: inherit; font-size: .95rem; color: var(--gray-800);
  padding: 13px 15px; border: 1.5px solid var(--gray-200);
  border-radius: 12px; background: var(--gray-050); outline: none;
  transition: border-color .2s ease, background .2s ease, box-shadow .2s ease;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  border-color: var(--blue-500); background: #fff; box-shadow: 0 0 0 4px rgba(37,99,235,.1);
}
.form-field textarea { min-height: 130px; resize: vertical; }
.form-field.full { grid-column: 1 / -1; }
.form-submit { margin-top: 24px; }
.form-disclaimer { margin-top: 16px; font-size: .78rem; color: var(--gray-500); line-height: 1.6; }
.form-note { font-size: .8rem; color: var(--gray-500); margin-top: 12px; text-align: center; }

.contact-info-card {
  background: linear-gradient(160deg, var(--navy-900), var(--navy-700));
  color: #e8f0fc; border-radius: var(--radius-lg); padding: 34px 30px; box-shadow: var(--shadow-lg); position: sticky; top: 100px;
}
.contact-info-card h3 { color: #fff; font-size: 1.35rem; margin-bottom: 8px; }
.contact-info-card > p { font-size: .92rem; color: #bcd0ee; margin-bottom: 24px; }
.ci-list { display: flex; flex-direction: column; gap: 18px; }
.ci-item { display: flex; gap: 14px; align-items: flex-start; }
.ci-item .ci-ico { display: grid; place-items: center; width: 42px; height: 42px; flex: none; border-radius: 12px; background: rgba(255,255,255,.1); color: var(--gold-400); }
.ci-item .ci-ico svg { width: 20px; height: 20px; }
.ci-item small { display: block; text-transform: uppercase; letter-spacing: .08em; font-size: .68rem; font-weight: 700; color: #9db6dc; }
.ci-item b { display: block; font-size: .95rem; color: #fff; font-weight: 600; line-height: 1.5; }
.ci-item a { color: #fff; }
.ci-item a:hover { color: var(--gold-400); }
.ci-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* ---------- CTA bands ---------- */
.cta-band {
  position: relative; overflow: hidden;
  background: radial-gradient(700px 300px at 85% 0%, rgba(37,99,235,.25), transparent 60%),
              linear-gradient(160deg, var(--navy-950), var(--navy-800));
  color: #fff; border-radius: var(--radius-lg);
  padding: 64px 56px; text-align: center; box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 800; line-height: 1.15; letter-spacing: -.01em; }
.cta-band h2 .gold-line { color: var(--gold-400); }
.cta-band p { max-width: 640px; margin: 18px auto 0; color: #bcd0ee; font-size: 1.05rem; }
.cta-band .cta-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 34px; }
.cta-band .cta-meta { margin-top: 26px; display: flex; flex-wrap: wrap; justify-content: center; gap: 22px; font-size: .9rem; color: #bcd0ee; }
.cta-band .cta-meta a { color: #fff; font-weight: 600; display: inline-flex; align-items: center; gap: 8px; }
.cta-band .cta-meta a:hover { color: var(--gold-400); }

/* ---------- Steps (how it works) ---------- */
.steps-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.step-card { position: relative; background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius-lg); padding: 26px 22px; box-shadow: var(--shadow-sm); text-align: center; }
.step-card .s-num {
  display: grid; place-items: center; width: 44px; height: 44px; margin: 0 auto 14px;
  border-radius: 14px; background: var(--navy-900); color: var(--gold-400);
  font-family: var(--font-head); font-weight: 800; font-size: .9rem;
}
.step-card h4 { font-size: 1rem; margin-bottom: 8px; }
.step-card p { font-size: .84rem; color: var(--gray-600); line-height: 1.6; }
.step-card .s-arrow { display: none; }

/* ---------- Timeline (life stages) ---------- */
.stage-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; position: relative; }
.stage-item { text-align: center; }
.stage-item .st-age {
  display: grid; place-items: center; width: 100%; padding: 10px 12px;
  font-family: var(--font-head); font-weight: 800; font-size: 1.05rem; color: #fff;
  background: linear-gradient(150deg, var(--navy-800), var(--navy-950));
  border-radius: 12px; margin-bottom: 12px;
}
.stage-item:nth-child(2n) .st-age { background: linear-gradient(150deg, var(--blue-600), var(--blue-700)); }
.stage-item .st-body { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); padding: 16px 14px; box-shadow: var(--shadow-sm); }
.stage-item .st-body ul { display: flex; flex-direction: column; gap: 6px; text-align: left; }
.stage-item .st-body li { display: flex; align-items: flex-start; gap: 8px; font-size: .8rem; font-weight: 500; color: var(--gray-700); }
.stage-item .st-body li svg { width: 14px; height: 14px; color: var(--gold-500); flex: none; margin-top: 4px; }

/* ---------- Extended services grid ---------- */
.ext-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.ext-card {
  background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius);
  padding: 24px 20px; box-shadow: var(--shadow-sm); text-align: center;
  transition: transform .22s ease, box-shadow .22s ease;
}
.ext-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.ext-card .ex-ico { display: grid; place-items: center; width: 48px; height: 48px; margin: 0 auto 12px; border-radius: 14px; background: var(--sky-100); color: var(--blue-600); }
.ext-card .ex-ico svg { width: 24px; height: 24px; }
.ext-card h4 { font-size: .94rem; margin-bottom: 6px; }
.ext-card p { font-size: .78rem; color: var(--gray-500); line-height: 1.55; }

/* ---------- Static page (disclaimer / privacy) ---------- */
.static-page { max-width: 860px; margin: 0 auto; }
.static-page .sp-lead { font-size: 1.1rem; color: var(--gray-800); margin-bottom: 20px; }
.static-page h2 { font-size: 1.35rem; margin: 36px 0 14px; }
.static-page h3 { font-size: 1.1rem; margin: 24px 0 10px; }
.static-page p { margin-bottom: 14px; }
.static-page ul { margin: 0 0 16px; padding-left: 4px; display: flex; flex-direction: column; gap: 10px; }
.static-page ul li { position: relative; padding-left: 26px; font-size: .97rem; }
.static-page ul li::before {
  content: ""; position: absolute; left: 4px; top: 9px;
  width: 8px; height: 8px; border-radius: 50%; background: var(--gold-500);
}
.static-page .updated { font-size: .82rem; color: var(--gray-500); font-style: italic; }

/* ---------- Partner / insurer relations ---------- */
.provider-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.provider-card { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); padding: 24px 22px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 12px; }
.provider-card .pc-ico-big { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 14px; background: var(--sky-100); color: var(--blue-600); }
.provider-card .pc-ico-big svg { width: 26px; height: 26px; }
.provider-card h4 { font-size: 1.05rem; }
.provider-card p { font-size: .88rem; color: var(--gray-600); flex: 1; }
.provider-card .pc-tag { font-size: .76rem; font-weight: 700; color: var(--green-600); background: var(--green-100); padding: 5px 12px; border-radius: var(--radius-pill); align-self: flex-start; }

/* ---------- Motor insurance highlight band ---------- */
.motor-band {
  margin: 30px 0 34px; background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  border-radius: var(--radius-lg); padding: 30px 32px; color: #e8f0fc; box-shadow: var(--shadow-lg);
}
.motor-band .mb-head { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.motor-band .mb-ico { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 12px; background: rgba(220,179,74,.2); color: var(--gold-400); flex: none; }
.motor-band .mb-ico svg { width: 24px; height: 24px; }
.motor-band h3 { color: #fff; font-family: var(--font-head); font-size: 1.18rem; }
.motor-band .mb-sub { font-size: .85rem; color: #a9c2e8; margin-top: 4px; }
.motor-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.motor-chip {
  display: flex; align-items: center; gap: 9px; font-size: .82rem; font-weight: 600; color: #eaf2ff;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14);
  padding: 11px 13px; border-radius: var(--radius);
}
.motor-chip svg { width: 16px; height: 16px; color: var(--gold-400); flex: none; }