/* 1. HERO OVERRIDES (if needed, otherwise uses global) */
.ip-hero.cinematic .sub {
    max-width: 800px;
}

/* 2. TENSION SECTION (DARK BAND) */
.tension-band {
    background: var(--charcoal);
    color: #FFF;
    padding: 80px 0;
    text-align: center;
}

.tension-band p {
    font-size: 24px;
    line-height: 1.6;
    max-width: 900px;
    margin: 0 auto;
    font-family: var(--font-display);
    font-style: italic;
    color: #EAEAEA;
}

/* 3. CHECKLIST SECTION */
.checklist-section {
    padding: 120px 0;
    background: #FDFCFA;
}

.section-header {
    max-width: 800px;
    margin-bottom: 80px;
}

.section-header h2 {
    font-size: 42px;
    margin-bottom: 16px;
    color: var(--maroon);
}

.section-header p {
    font-size: 20px;
    color: #666;
}

.medical-categories {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 40px;
}

.medical-cat h3 {
    font-size: 16px;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--gold);
    margin-bottom: 24px;
    padding-bottom: 12px;
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.medical-cat ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.medical-cat ul li {
    padding: 8px 0 8px 28px;
    position: relative;
    font-size: 16px;
    color: #444;
    line-height: 1.4;
}

.medical-cat ul li::before {
    content: '\f00c';
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    position: absolute;
    left: 0;
    color: #A3D9B1;
    /* Subtle green for checklist */
    font-size: 14px;
}

.checklist-footer {
    margin-top: 60px;
    font-size: 18px;
    font-style: italic;
    color: #888;
    text-align: center;
}

/* 4. WHAT WE DO DIFFERENTLY (COLUMNS) */
.diff-cols-section {
    padding: 120px 0;
    background: #FFF;
    border-top: 1px solid rgba(0, 0, 0, 0.05);
}

.diff-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 60px;
}

.diff-col h3 {
    font-size: 24px;
    color: var(--maroon);
    margin-bottom: 20px;
    line-height: 1.3;
}

.diff-col p {
    font-size: 17px;
    line-height: 1.7;
    color: #555;
}

/* 5. OPTIONS SECTION (REVIEW FORM) */
.options-section {
    padding: 120px 0;
    background: #FDFBF7;
}

.options-content {
    max-width: 800px;
    margin: 0 auto;
}

.options-content .lead {
    font-size: 20px;
    margin-bottom: 40px;
    color: #444;
}

.review-form-card {
    background: #FFF;
    padding: 40px;
    border-radius: 20px;
    border: 1px solid rgba(0, 0, 0, 0.05);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.03);
}

.review-form {
    display: grid;
    gap: 24px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.secondary-details {
    grid-template-columns: 1fr 1fr 1fr;
}

.review-form select {
    width: 100%;
    padding: 14px 18px;
    border: 1px solid rgba(0, 0, 0, 0.1);
    border-radius: 12px;
    font-family: var(--font-body);
    font-size: 15px;
    background: #FDFCFA;
    transition: all 0.3s ease;
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%23666' viewBox='0 0 16 16'%3E%3Cpath d='M7.247 11.14 2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: calc(100% - 15px) center;
}

.review-form select:focus {
    outline: none;
    border-color: var(--maroon);
    background-color: #FFF;
    box-shadow: 0 0 0 4px rgba(107, 39, 55, 0.05);
}

.checklist-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px 24px;
    padding: 10px 0;
}

.check-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px !important;
    font-weight: 500 !important;
    cursor: pointer;
    color: #555;
}

.check-item input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--maroon);
    margin: 0;
    cursor: pointer;
}

.review-form label {
    font-size: 14px;
    font-weight: 700;
    color: var(--charcoal);
}

.review-form input,
.review-form textarea {
    width: 100%;
    padding: 14px 18px;
    border: 1px solid rgba(0, 0, 0, 0.1);
    border-radius: 12px;
    font-family: var(--font-body);
    font-size: 15px;
    background: #FDFCFA;
    transition: all 0.3s ease;
}

.review-form input:focus,
.review-form textarea:focus {
    outline: none;
    border-color: var(--maroon);
    background: #FFF;
    box-shadow: 0 0 0 4px rgba(107, 39, 55, 0.05);
}

.review-form button {
    justify-content: center;
    padding: 16px;
    margin-top: 10px;
}

/* Form status states */
.form-status {
    display: none;
    padding: 16px 20px;
    border-radius: 12px;
    margin-bottom: 24px;
    font-size: 15px;
    line-height: 1.5;
}

.form-status.visible {
    display: block;
}

.form-status.success {
    background: #f0faf4;
    border: 1px solid #a3d9b1;
    color: #1e5c34;
}

.form-status.error {
    background: #fdf3f3;
    border: 1px solid #e8a9a9;
    color: #7a1414;
}

/* Spinner */
.btn-spinner {
    display: none;
    width: 16px;
    height: 16px;
    border: 2px solid rgba(255, 255, 255, 0.3);
    border-top-color: #FFF;
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
    margin-right: 10px;
}

.btn.loading .btn-spinner {
    display: inline-block;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

@media (max-width: 768px) {
    .form-row {
        grid-template-columns: 1fr;
    }

    .checklist-grid {
        grid-template-columns: 1fr;
    }
}

/* 6. PROCESS SECTION */
.process-section {
    padding: 120px 0;
    background: #FFF;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    margin-top: 60px;
    position: relative;
}

.process-step {
    position: relative;
}

.step-num {
    font-family: var(--font-display);
    font-size: 14px;
    font-weight: 800;
    color: var(--gold);
    margin-bottom: 20px;
    display: block;
}

.process-step h3 {
    font-size: 20px;
    margin-bottom: 15px;
    color: var(--maroon);
}

.process-step p {
    font-size: 15px;
    line-height: 1.6;
    color: #666;
}

/* 7. PRIVACY NOTE */
.privacy-note-section {
    padding: 0 0 120px;
}

.privacy-box {
    max-width: 800px;
    margin: 0 auto;
    padding: 40px;
    background: #F8F9FA;
    border-left: 4px solid var(--maroon);
    border-radius: 0 16px 16px 0;
}

.privacy-box p {
    font-size: 17px;
    line-height: 1.7;
    color: #555;
    margin: 0;
}

/* 7.5 TOOLTIP STYLES */
.tooltip {
    position: relative;
    display: inline-block;
    margin-left: 6px;
    cursor: help;
    color: var(--gold);
    font-size: 14px;
}

.tooltip .tooltip-text {
    visibility: hidden;
    width: 240px;
    background-color: var(--charcoal);
    color: #fff;
    text-align: left;
    border-radius: 8px;
    padding: 12px;
    position: absolute;
    z-index: 10;
    bottom: 125%;
    left: 50%;
    margin-left: -120px;
    opacity: 0;
    transition: opacity 0.3s;
    font-size: 12px;
    font-weight: 400;
    line-height: 1.5;
    font-family: var(--font-body);
    box-shadow: 0 10px 20px rgba(0, 0, 0, 0.1);
    pointer-events: none;
}

.tooltip .tooltip-text::after {
    content: "";
    position: absolute;
    top: 100%;
    left: 50%;
    margin-left: -5px;
    border-width: 5px;
    border-style: solid;
    border-color: var(--charcoal) transparent transparent transparent;
}

.tooltip:hover .tooltip-text {
    visibility: visible;
    opacity: 1;
}

/* 8. RESPONSIVE */
@media (max-width: 1100px) {
    .diff-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

@media (max-width: 900px) {
    .process-grid {
        grid-template-columns: 1fr;
        gap: 50px;
    }

    .options-list {
        grid-template-columns: 1fr;
        gap: 0;
    }
}

@media (max-width: 768px) {
    .insure-hero h1 {
        font-size: 3.2rem;
    }

    .tension-band p {
        font-size: 20px;
    }
}