/* ─────────────────────────────────────────────────────
   INDIVIDUALS & FAMILIES PAGE STYLES (v3 - Simple & Conversational)
───────────────────────────────────────────────────── */
/* 1. HERO */
/* Uses styles from style.css, but we can refine here if needed */
/* 1.5 QUICK RESOURCE GUIDE */
.resource-guide {
    background: #FFF;
    padding: 100px 0;
}

.resource-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 50px;
    gap: 40px;
}

.res-head-content {
    max-width: 600px;
}

.res-head-content h2 {
    color: var(--charcoal);
    /* Matched to page theme */
    margin-bottom: 12px;
}

.res-head-content p {
    font-family: var(--font-body);
    font-size: 20px;
    color: #444;
}

.resource-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.resource-card {
    background: #FFF;
    border-radius: 20px;
    padding: 24px;
    /* Significant shrinkage */
    border: 1px solid rgba(0, 0, 0, 0.06);
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
    transition: all 0.3s var(--ease);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.02);
}

.resource-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.04);
}

.res-category {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(201, 168, 76, 0.1);
    color: var(--gold);
    font-family: var(--font-body);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.1em;
    padding: 4px 12px;
    border-radius: 99px;
    margin-bottom: 16px;
    text-transform: uppercase;
}

.resource-card h3 {
    color: var(--charcoal);
    /* Matched to page theme */
    margin-bottom: 10px;
    line-height: 1.3;
}

.res-meta {
    font-family: var(--font-body);
    font-size: 12px;
    color: #888;
    margin-bottom: 12px;
    font-weight: 500;
}

.res-desc {
    font-family: var(--font-body);
    font-size: 14px;
    /* Smaller from 16px */
    line-height: 1.6;
    color: #555;
    margin-bottom: 25px;
}

.res-card-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-top: 1px solid rgba(0, 0, 0, 0.05);
    padding-top: 18px;
    margin-top: auto;
}

.res-launch {
    font-family: var(--font-body);
    font-weight: 800;
    color: var(--maroon);
    text-decoration: none;
    font-size: 15px;
    transition: color 0.2s ease;
}

.res-launch:hover {
    color: var(--gold);
}

.res-chips {
    display: flex;
    gap: 8px;
}

.res-chip {
    font-family: var(--font-body);
    font-size: 10px;
    background: rgba(0, 0, 0, 0.04);
    color: #555;
    padding: 3px 8px;
    border-radius: 4px;
    font-weight: 600;
}

@media (max-width: 1100px) {
    .resource-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .resource-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 20px;
    }

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

/* 2. CONCERNS SECTION */
.concerns {
    background: #FDFBF7;
    /* Soft, modern contrast cream */
    padding: 100px 0;
    border-top: 1px solid rgba(0, 0, 0, 0.03);
    border-bottom: 1px solid rgba(0, 0, 0, 0.03);
}

.concerns-intro {
    max-width: 800px;
    margin-bottom: 60px;
}

.concerns-intro h2 {
    margin-bottom: 12px;
    letter-spacing: -0.01em;
}

.concerns-intro .lead {
    margin-top: 0;
    max-width: 700px;
    font-size: 20px;
    /* Increased for readability */
    color: #444;
}

.concerns-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
    margin-bottom: 80px;
    align-items: stretch;
}

.concern-card {
    background: #FFF;
    padding: 30px 25px;
    border-radius: 16px;
    border: 1px solid rgba(0, 0, 0, 0.05);
    display: flex;
    flex-direction: column;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.concern-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 60px rgba(107, 39, 55, 0.08);
}

.concern-card h3 {
    line-height: 1.3;
    color: var(--maroon);
    margin: 0 0 18px;
}

.concern-card p {
    font-size: 17px;
    /* Increased from 14px */
    line-height: 1.8;
    color: #444;
    /* Darkened for higher contrast */
    margin-bottom: 25px;
    flex-grow: 1;
}

.concern-tag {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
    background: rgba(201, 168, 76, 0.1);
    padding: 4px 12px;
    border-radius: 4px;
    align-self: flex-start;
}

/* Redesigned Education Box - 2 Column Premium */
.education-premium {
    background: #FFF;
    border-radius: 24px;
    overflow: hidden;
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    box-shadow: 0 40px 100px rgba(0, 0, 0, 0.06);
    border: 1px solid rgba(0, 0, 0, 0.03);
    margin-top: 40px;
}

.edu-text-side {
    padding: 80px;
    background: var(--maroon);
    color: #FFF;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.edu-text-side h3 {
    color: #FFF;
    font-size: 36px;
    margin-bottom: 25px;
    line-height: 1.2;
}

.edu-text-side p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 18px;
    line-height: 1.8;
    margin-bottom: 40px;
}

.edu-image-side {
    position: relative;
    min-height: 400px;
}

.edu-main-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.edu-overlay-img {
    position: absolute;
    bottom: 30px;
    right: -30px;
    width: 200px;
    height: 200px;
    border-radius: 12px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.2);
    border: 5px solid #FFF;
    object-fit: cover;
    z-index: 2;
}

/* 3. SERVICES SECTION (No Icons, Integrated Layout) */
.fam-services {
    padding: 120px 0;
    background: #FFF;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
    margin-top: 60px;
}

.service-card {
    background: #F9F9F9;
    border-radius: 20px;
    overflow: hidden;
    border: 1px solid rgba(0, 0, 0, 0.05);
    display: flex;
    flex-direction: column;
}

.service-card-img-wrap {
    height: 240px;
    overflow: hidden;
}

.service-card-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.service-card-body {
    padding: 40px;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}

.service-card h3 {
    color: var(--maroon);
    margin-bottom: 15px;
}

.service-card p {
    font-size: 15px;
    line-height: 1.7;
    color: #666;
    margin-bottom: 25px;
}

.service-card ul {
    list-style: none;
    padding: 0;
    margin: 0 0 30px;
}

.service-card ul li {
    padding: 6px 0 6px 20px;
    position: relative;
    font-size: 14px;
    color: #555;
}

.service-card ul li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--gold);
    font-weight: 700;
}

.service-card .btn {
    margin-top: auto;
}

/* Wide card (last one) */
.service-card.wide {
    grid-column: span 2;
    flex-direction: row;
}

.service-card.wide .service-card-img-wrap {
    width: 40%;
    height: auto;
}

.service-card.wide .service-card-body {
    width: 60%;
}

/* 4. PROCESS SECTION (Horizontal Steps) */
.how-it-works {
    padding: 100px 0;
    background: #FFF;
    text-align: center;
}

.steps-container {
    display: flex;
    justify-content: space-between;
    margin-top: 60px;
    position: relative;
}

.steps-container::after {
    content: '';
    position: absolute;
    top: 40px;
    left: 10%;
    right: 10%;
    height: 1px;
    background: rgba(107, 39, 55, 0.1);
    z-index: 0;
}

.step-card {
    flex: 1;
    padding: 0 20px;
    position: relative;
    z-index: 1;
}

.step-num {
    width: 80px;
    height: 80px;
    background: #FFF;
    border: 1px solid var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 30px;
    font-family: var(--font-display);
    font-size: 24px;
    font-weight: 700;
    color: var(--gold);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}

.step-card h3 {
    font-size: 20px;
    color: var(--maroon);
    margin-bottom: 10px;
}

.step-card p {
    font-size: 15px;
    color: #666;
}

/* RESPONSIVE */
@media (max-width: 1200px) {
    .concerns-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    .education-premium {
        grid-template-columns: 1fr;
    }

    .edu-text-side {
        padding: 50px;
    }
}

@media (max-width: 900px) {
    .worry-item {
        flex-direction: column;
        gap: 15px;
    }

    .worry-question {
        flex: none;
    }

    .concerns-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .edu-overlay-img {
        display: none;
    }

    .education-highlight {
        flex-direction: column;
        padding: 40px;
        text-align: center;
    }

    .edu-quote {
        border-left: none;
        border-top: 2px solid var(--gold);
        padding: 20px 0 0;
        margin: 0 auto;
    }

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

    .service-card.wide {
        flex-direction: column;
        grid-column: span 1;
    }

    .service-card.wide .service-card-img-wrap,
    .service-card.wide .service-card-body {
        width: 100%;
    }

    .steps-container {
        flex-direction: column;
        gap: 40px;
    }

    .steps-container::after {
        display: none;
    }
}

@media (max-width: 600px) {
    .concerns-grid {
        grid-template-columns: 1fr;
    }
}

/* 5. ACCESSIBILITY & BUTTON FIXES */
.ip-hero h1 {
    font-size: 68px;
    /* High end visibility */
}

.ip-hero .sub {
    font-size: 24px;
    max-width: 850px;
    margin-bottom: 40px;
}

/* Specific fix for "Get Coverage Now" hover contrast */
.btn-secondary:hover {
    background: var(--maroon) !important;
    color: #FFFFFF !important;
    border-color: var(--maroon) !important;
    box-shadow: 0 10px 30px rgba(107, 39, 55, 0.2) !important;
}

.service-card h3 {
    margin-bottom: 12px;
}

.service-card p {
    font-size: 19px;
    line-height: 1.8;
}

.service-card ul li {
    font-size: 18px;
    padding: 8px 0 8px 30px;
}