/* ==========================================================
   HRDelivered — Health Insurance Service Page
   Depends on: hrdelivered-global.css (tokens, nav, footer, btn-primary, etc.)
   ========================================================== */

/* ── Shared content width (mirrors homepage) ──────────────── */
.pt-hero-inner,
.section-inner {
  max-width: 1280px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}

@media (min-width: 768px) {
  .pt-hero-inner,
  .section-inner {
    padding-inline: 2.5rem;
  }
}

/* ── Section base ─────────────────────────────────────────── */
.section {
  padding-block: 4rem;
}

.section--white { background: #ffffff; }
.section--cream { background: var(--color-cream, #F6F3E8); }

.section-header {
  text-align: center;
  max-width: 680px;
  margin-inline: auto;
  margin-bottom: 3rem;
}
.section-header h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--color-navy, #001342);
  margin-bottom: 0.75rem;
}
.section-header p {
  font-size: 1.0625rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.65;
}

/* ── Card grid ──────────────────────────────────────────────── */
.card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 1.75rem;
  transition: box-shadow 0.2s;
}
.card:hover { box-shadow: 0 6px 24px rgba(0,0,0,0.07); }
.card-icon { margin-bottom: 1rem; }
.card h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-navy, #001342);
  margin-bottom: 0.5rem;
}
.card-body {
  font-size: 0.9375rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.6;
}

/* ══════════════════════════════════════════════════════════════
   HERO
   ══════════════════════════════════════════════════════════════ */
.pt-hero {
  background-color: #001342;
  padding-top: calc(var(--wp-admin--admin-bar--height, 0px) + var(--nav-height, 5rem) + 1.5rem);
  padding-bottom: 4rem;
  position: relative;
  overflow: hidden;
}

.pt-hero-glow1 {
  position: absolute;
  top: 4rem;
  left: 50%;
  transform: translateX(-50%);
  width: 700px;
  height: 400px;
  background: rgba(9, 79, 254, 0.25);
  border-radius: 50%;
  filter: blur(120px);
  pointer-events: none;
}
.pt-hero-glow2 {
  position: absolute;
  top: 4rem;
  left: 33%;
  transform: translateX(-50%);
  width: 400px;
  height: 300px;
  background: rgba(215, 1, 63, 0.20);
  border-radius: 50%;
  filter: blur(120px);
  pointer-events: none;
}

.pt-hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 900px) {
  .pt-hero-inner {
    grid-template-columns: 1fr 460px;
    gap: 3rem;
  }
}

.pt-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 9999px;
  padding: 0.35rem 0.85rem;
  font-size: 0.8125rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  margin-bottom: 1.25rem;
}

.pt-hero-text h1 {
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 700;
  color: #ffffff;
  line-height: 1.15;
  margin-bottom: 1.25rem;
}

.pt-hero-sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.7;
  max-width: 560px;
  margin-bottom: 2rem;
}
.pt-hero-sub strong { color: #ffffff; font-weight: 600; }

.pt-hero-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

.btn-outline-white {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.65rem 1.4rem;
  border-radius: 9999px;
  border: 1.5px solid rgba(255,255,255,0.55);
  color: rgba(255,255,255,0.9);
  font-size: 0.9375rem;
  font-weight: 500;
  text-decoration: none;
  transition: border-color 0.2s, background 0.2s;
}
.btn-outline-white:hover {
  border-color: #fff;
  background: rgba(255,255,255,0.08);
  color: #fff;
}

.pt-hero-image img {
  width: 100%;
  border-radius: 12px;
  display: block;
}

/* ══════════════════════════════════════════════════════════════
   HERO h1 accent
   ══════════════════════════════════════════════════════════════ */
.hi-hero-h1-accent { color: var(--color-blue-light, #5b8cff); }

/* ══════════════════════════════════════════════════════════════
   FEATURES 4-UP
   ══════════════════════════════════════════════════════════════ */
.pt-features-4 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

@media (min-width: 640px) {
  .pt-features-4 { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1024px) {
  .pt-features-4 { grid-template-columns: repeat(4, 1fr); }
}

.pt-feature-tile {
  background: #f9fafb;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 1.75rem;
}
.pt-feature-icon {
  width: 44px;
  height: 44px;
  background: #eff4ff;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.pt-feature-tile h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--color-navy, #001342);
  margin-bottom: 0.5rem;
}
.pt-feature-tile p {
  font-size: 0.9375rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.6;
}

/* ══════════════════════════════════════════════════════════════
   TWO-COLUMN SPLIT
   ══════════════════════════════════════════════════════════════ */
.pt-split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 900px) {
  .pt-split {
    grid-template-columns: 1fr 1fr;
  }
  .pt-split--reverse .pt-split-text { order: 2; }
  .pt-split--reverse .pt-split-image { order: 1; }
}

@media (max-width: 899px) {
  .pt-split .pt-split-image { order: -1; }
}

.pt-split-text h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--color-navy, #001342);
  margin-bottom: 1rem;
  line-height: 1.25;
}
.pt-split-text p {
  font-size: 1rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.pt-bullet-list {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem;
}
.pt-bullet-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.9375rem;
  color: #374151;
  line-height: 1.55;
  padding-block: 0.35rem;
}
.pt-bullet-list li::before {
  content: "";
  flex-shrink: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-blue, #094ffe);
  margin-top: 0.5rem;
}
.ab-check-list { list-style: none; padding: 0; margin: 1.25rem 0 2rem; }
.ab-check-list li { display: flex; align-items: flex-start; gap: 0.6rem; font-size: 0.9375rem; color: var(--color-navy, #001342); background: none !important; line-height: 1.55; margin-bottom: 0.35rem; padding-block: 0; }
.ab-check-list li::before { content: ""; flex-shrink: 0; width: 20px; height: 20px; margin-top: 1px; border-radius: 50%; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 20 20'%3E%3Ccircle cx='10' cy='10' r='10' fill='%2322c55e'/%3E%3Cpolyline points='5.5,10.5 8.5,13.5 14.5,7' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat; }

.pt-split-image img {
  width: 100%;
  border-radius: 12px;
  display: block;
  object-fit: cover;
}

/* ══════════════════════════════════════════════════════════════
   PLAN COMPARISON TABLE
   ══════════════════════════════════════════════════════════════ */
.hi-plan-compare {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) {
  .hi-plan-compare { grid-template-columns: 1fr 1fr; }
}

.hi-plan-card {
  background: #f9fafb;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  padding: 2rem;
}
.hi-plan-card--featured {
  background: #eff4ff;
  border-color: var(--color-blue, #094ffe);
}
.hi-plan-badge {
  display: inline-block;
  background: var(--color-navy, #001342);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
  margin-bottom: 1rem;
}
.hi-plan-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-navy, #001342);
  margin-bottom: 0.75rem;
}
.hi-plan-card p {
  font-size: 0.9375rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}
.hi-plan-features {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
}
.hi-plan-features li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.9375rem;
  color: #374151;
  padding-block: 0.3rem;
  line-height: 1.5;
}
.hi-plan-features li::before {
  content: "";
  flex-shrink: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-blue, #094ffe);
  margin-top: 0.5rem;
}

/* ══════════════════════════════════════════════════════════════
   CALLOUT BAR
   ══════════════════════════════════════════════════════════════ */
.pt-callout-section {
  background: #F6F3E8;
  border-bottom: 1px solid #e2dece;
  padding-block: 2rem;
}
.pt-callout-inner {
  max-width: 1280px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  align-items: center;
}
@media (min-width: 768px) {
  .pt-callout-inner { padding-inline: 2.5rem; }
}
@media (min-width: 900px) {
  .pt-callout-inner { flex-wrap: nowrap; }
}
.pt-callout-icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  background: rgba(0, 19, 66, 0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-navy, #001342);
}
.pt-callout-body { flex: 1; min-width: 220px; }
.pt-callout-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #6b7280;
  margin-bottom: 0.25rem;
}
.pt-callout-text {
  font-size: 1rem;
  color: var(--color-navy, #001342);
  line-height: 1.6;
}
.pt-callout-text strong { color: var(--color-navy, #001342); font-weight: 700; }
.pt-callout-btn {
  background: var(--color-crimson, #d7013f) !important;
  border-color: var(--color-crimson, #d7013f) !important;
  white-space: nowrap;
  flex-shrink: 0;
}
.pt-callout-btn:hover {
  background: #b5012f !important;
  border-color: #b5012f !important;
}

/* ══════════════════════════════════════════════════════════════
   FEATURES 6-UP
   ══════════════════════════════════════════════════════════════ */
.pt-grid-2-plus-img {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: start;
}
@media (min-width: 1024px) {
  .pt-grid-2-plus-img { grid-template-columns: 1fr 360px; }
}

.pt-features-6 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 640px) {
  .pt-features-6 { grid-template-columns: 1fr 1fr; }
}

.pt-feature-card {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.25rem;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  background: #f9fafb;
  transition: box-shadow 0.2s;
}
.pt-feature-card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.06); }
.pt-feature-card-icon {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  background: #eff4ff;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.pt-feature-card h3 {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-navy, #001342);
  margin-bottom: 0.3rem;
}
.pt-feature-card p {
  font-size: 0.875rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.55;
}

.pt-confidence-image img {
  width: 100%;
  border-radius: 12px;
  display: block;
}

/* ══════════════════════════════════════════════════════════════
   MID-PAGE CTA
   ══════════════════════════════════════════════════════════════ */
.pt-mid-cta {
  background: var(--color-cream, #F6F3E8);
  border-top: 1px solid #e2dece;
  border-bottom: 1px solid #e2dece;
  padding-block: 4rem;
  text-align: center;
}
.pt-mid-cta-inner {
  max-width: 680px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}
@media (min-width: 768px) {
  .pt-mid-cta-inner { padding-inline: 2.5rem; }
}
.pt-mid-cta h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--color-navy, #001342);
  margin-bottom: 0.75rem;
}
.pt-mid-cta p {
  font-size: 1.0625rem;
  color: var(--color-text-muted, #4b5563);
  margin-bottom: 2rem;
  line-height: 1.65;
}

/* ══════════════════════════════════════════════════════════════
   FAQ ACCORDION
   ══════════════════════════════════════════════════════════════ */
.pt-faq {
  max-width: 820px;
  margin-inline: auto;
}
.pt-faq-item { border-bottom: 1px solid #e5e7eb; }
.pt-faq-item:first-child { border-top: 1px solid #e5e7eb; }
.pt-faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  text-align: left;
  background: none;
  border: none;
  padding-block: 1.25rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-navy, #001342);
  cursor: pointer;
  line-height: 1.4;
  transition: color 0.15s;
}
.pt-faq-q:hover { color: var(--color-blue, #094ffe); }
.pt-faq-chevron {
  flex-shrink: 0;
  transition: transform 0.25s ease;
}
.pt-faq-item.is-open .pt-faq-chevron { transform: rotate(180deg); }
.pt-faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.pt-faq-a p {
  font-size: 0.9375rem;
  color: var(--color-text-muted, #4b5563);
  line-height: 1.7;
  padding-bottom: 1.25rem;
}

/* ══════════════════════════════════════════════════════════════
   BOTTOM CTA
   ══════════════════════════════════════════════════════════════ */
.cta-section {
  position: relative;
  overflow: hidden;
  background: #001342;
  padding-block: 5rem;
  text-align: center;
}
.cta-glow1, .cta-glow2 {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.cta-glow1 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(9,79,254,0.25) 0%, transparent 70%);
  top: -150px; left: -100px;
}
.cta-glow2 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(91,140,255,0.18) 0%, transparent 70%);
  bottom: -100px; right: -80px;
}
.cta-inner {
  position: relative;
  max-width: 640px;
  margin-inline: auto;
  padding-inline: 1.5rem;
}
@media (min-width: 768px) {
  .cta-inner { padding-inline: 2.5rem; }
}
.cta-inner h2 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.75rem;
}
.cta-inner p {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 2.5rem;
  line-height: 1.65;
}
.cta-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

/* ══════════════════════════════════════════════════════════════
   HEALTH INSURANCE — PAGE-SPECIFIC ADDITIONS
   ══════════════════════════════════════════════════════════════ */

/* Savings stat bar — matches homepage .stats style */
.hi-stat-bar {
  background-color: #F6F3E8;
  border-top: 1px solid rgba(0,19,66,0.10);
  border-bottom: 1px solid rgba(0,19,66,0.10);
  padding-block: 1rem;
}
.hi-stat-bar-inner {
  max-width: 1280px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
@media (min-width: 768px) {
  .hi-stat-bar-inner { padding-inline: 2.5rem; }
}
@media (max-width: 640px) {
  .hi-stat-bar-inner { grid-template-columns: repeat(2, 1fr); }
}
.hi-stat {
  padding: 1rem;
  text-align: center;
  border-right: 1px solid rgba(0,19,66,0.10);
}
@media (min-width: 768px) {
  .hi-stat { padding: 1rem 2rem; text-align: left; }
}
.hi-stat:last-child { border-right: none; }
@media (max-width: 640px) {
  .hi-stat { border-right: none; border-bottom: 1px solid rgba(0,19,66,0.10); }
  .hi-stat:last-child { border-bottom: none; }
}
.hi-stat-number {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-navy, #001342);
  line-height: 1.2;
  margin-bottom: 0.25rem;
}
.hi-stat-label {
  font-size: 0.875rem;
  color: rgba(0,19,66,0.55);
  margin-top: 0.25rem;
  line-height: 1.4;
}

/* Quote bar (full-width dark band) */
.hi-quote-bar {
  background: var(--color-navy, #001342);
  padding-block: 3.5rem;
}
.hi-quote-bar-inner {
  max-width: 860px;
  margin-inline: auto;
  padding-inline: 1.5rem;
  text-align: center;
}
@media (min-width: 768px) {
  .hi-quote-bar-inner { padding-inline: 2.5rem; }
}
.hi-quote-bar blockquote {
  font-size: clamp(1.125rem, 2.5vw, 1.4rem);
  font-style: italic;
  color: rgba(255,255,255,0.9);
  line-height: 1.7;
  margin: 0 0 1.25rem;
  padding: 0 1rem;
}
.hi-quote-bar cite {
  font-size: 0.9375rem;
  font-style: normal;
  font-weight: 600;
  color: var(--color-blue-light, #5b8cff);
}

/* Quote pull */
.hi-quote {
  background: #eff4ff;
  border-left: 4px solid var(--color-blue, #094ffe);
  border-radius: 0 10px 10px 0;
  padding: 1.25rem 1.5rem;
  margin-block: 1.5rem;
  font-size: 1rem;
  font-style: italic;
  color: var(--color-navy, #001342);
  line-height: 1.65;
}
.hi-quote cite {
  display: block;
  margin-top: 0.5rem;
  font-style: normal;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-navy, #001342);
}