:root {
  --primary:      #0a5c8a;
  --primary-dark: #063d5e;
  --accent:       #00b4d8;
  --accent2:      #f4a732;
  --success:      #2a9d6e;
  --warning:      #e76f1e;
  --bg:           #f0f5fa;
  --white:        #ffffff;
  --card-bg:      #ffffff;
  --text:         #1a2e3b;
  --muted:        #5a7080;
  --border:       #d8e6f0;
  --shadow:       0 4px 24px rgba(10,92,138,.10);
  --shadow-lg:    0 8px 40px rgba(10,92,138,.15);
  --radius:       14px;
  --radius-sm:    8px;
}

/* ─── SECTION TABS ───────────────────────── */
.ins-tabs-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
  animation: fadeInUp .4s ease both;
}
@keyframes fadeInUp { from{opacity:0;transform:translateY(16px)} to{opacity:1;transform:none} }
 
.ins-tab-btn {
  display: flex; align-items: center; gap: 7px;
  padding: 9px 18px;
  border-radius: 30px;
  border: 1.5px solid var(--border);
  background: var(--white);
  color: var(--muted);
  font-size: .85rem;
  font-weight: 600;
  cursor: pointer;
  transition: all .22s ease;
  font-family: 'Plus Jakarta Sans', sans-serif;
}
.ins-tab-btn:hover { border-color: var(--accent); color: var(--primary); }
.ins-tab-btn.active {
  background: var(--primary); border-color: var(--primary); color: #fff;
  box-shadow: 0 4px 14px rgba(10,92,138,.3);
}
.ins-tab-btn .tab-icon { font-size: 16px; }

/* ─── CONTENT CARD ───────────────────────── */
.content-card {
  background: var(--card-bg);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  overflow: hidden;
  animation: fadeInUp .45s .1s ease both;
}
.content-card .card-header-bar {
  background: linear-gradient(90deg, #e8f4fd 0%, var(--white) 100%);
  border-bottom: 2px solid var(--accent);
  padding: 18px 26px;
  display: flex; align-items: center; gap: 14px;
}
.header-icon {
  width: 46px; height: 46px; border-radius: 12px;
  background: var(--primary); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; flex-shrink: 0;
}
.content-card .card-header-bar h4 {
  font-family: 'Fraunces', serif;
  font-size: 1.25rem;
  color: var(--primary); margin: 0;
}
.content-card .card-header-bar p { font-size: .82rem; color: var(--muted); margin: 0; }
.card-body-pad { padding: 26px; }
 
/* ─── TAB PANELS ─────────────────────────── */
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: panelIn .35s ease both; }
@keyframes panelIn { from{opacity:0;transform:translateY(10px)} to{opacity:1;transform:none} }
 
/* ─── INSURANCE CARDS GRID ───────────────── */
.search-bar-wrap { position: relative; margin-bottom: 18px; }
.search-bar-wrap .bi-search { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 15px; }
.search-bar-wrap input {
  width: 100%; padding: 10px 14px 10px 40px;
  border: 1.5px solid var(--border); border-radius: 30px;
  font-size: .9rem; color: var(--text);
  font-family: 'Plus Jakarta Sans', sans-serif;
  transition: border-color .2s, box-shadow .2s;
  background: var(--white);
}
.search-bar-wrap input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(0,180,216,.12); }
 
.ins-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(155px, 1fr)); gap: 12px; }
@media(max-width:576px){ .ins-grid { grid-template-columns: repeat(auto-fill, minmax(130px,1fr)); gap:9px; } }
 
.ins-card {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 14px 10px 12px;
  text-align: center;
  cursor: default;
  transition: transform .22s ease, border-color .22s, box-shadow .22s;
  animation: cardPop .35s ease both;
}
.ins-card:hover {
  transform: translateY(-4px);
  border-color: var(--accent);
  box-shadow: 0 8px 22px rgba(0,180,216,.15);
}
@keyframes cardPop { from{opacity:0;transform:scale(.93)} to{opacity:1;transform:scale(1)} }
 
.ins-card .ico-wrap {
  width: 42px; height: 42px; border-radius: 10px;
  margin: 0 auto 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.ico-ins  { background: #dbeafe; }
.ico-tpa  { background: #fef9c3; }
.ico-gov  { background: #dcfce7; }
.ico-ppn  { background: #f3e8ff; }
 
.ins-card .ins-name { font-size: .8rem; font-weight: 600; color: var(--text); line-height: 1.3; min-height: 32px; display: flex; align-items: center; justify-content: center; }
.badge-tag {
  display: inline-block; margin-top: 6px;
  font-size: .68rem; font-weight: 700;
  padding: 3px 9px; border-radius: 20px;
}
.badge-ins { background: #dbeafe; color: #1d4ed8; }
.badge-tpa { background: #fef9c3; color: #854d0e; }
.badge-gov { background: #dcfce7; color: #15803d; }
.badge-ppn { background: #f3e8ff; color: #7c3aed; }
 
.no-results { text-align: center; padding: 36px; color: var(--muted); font-size: .9rem; }
 
/* ─── SECTION TITLE ──────────────────────── */
.sec-title {
  font-size: .78rem; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase;
  color: var(--muted);
  padding-bottom: 8px;
  border-bottom: 1.5px solid #e4eef6;
  margin-bottom: 16px;
  margin-top: 24px;
}
.sec-title:first-child { margin-top: 0; }
 
/* ─── POLICY NOTES ───────────────────────── */
.policy-alert {
  background: #fffbeb;
  border: 1px solid #fed7aa;
  border-left: 4px solid var(--warning);
  border-radius: 10px;
  padding: 16px 20px;
  margin-top: 22px;
}
.policy-alert h6 { color: #92400e; font-weight: 700; font-size: .9rem; margin-bottom: 10px; display: flex; align-items: center; gap: 6px; }
.policy-alert ul { margin: 0; padding-left: 16px; }
.policy-alert ul li { font-size: .85rem; color: #78350f; line-height: 1.7; margin-bottom: 2px; }
 
.info-banner {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-left: 4px solid var(--accent);
  border-radius: 10px;
  padding: 14px 18px;
  font-size: .88rem;
  color: #1e40af;
  line-height: 1.7;
  margin-bottom: 20px;
}
 
/* ─── GOVERNMENT TABLE ───────────────────── */
.gov-table { width: 100%; border-collapse: separate; border-spacing: 0; border-radius: 10px; overflow: hidden; border: 1px solid var(--border); }
.gov-table thead tr { background: var(--primary); }
.gov-table thead th { color: #fff; padding: 13px 16px; font-size: .82rem; font-weight: 600; border: none; white-space: nowrap; }
.gov-table tbody tr { transition: background .18s; }
.gov-table tbody tr:nth-child(odd)  { background: #f4f9fd; }
.gov-table tbody tr:nth-child(even) { background: var(--white); }
.gov-table tbody tr:hover { background: #e8f4fd; }
.gov-table td { padding: 12px 16px; font-size: .85rem; border-bottom: 1px solid var(--border); vertical-align: middle; }
.gov-table tbody tr:last-child td { border-bottom: none; }
.scheme-name { font-weight: 600; color: var(--primary); font-size: .88rem; }
.status-badge { display: inline-flex; align-items: center; gap: 5px; background: #dcfce7; color: #15803d; border-radius: 20px; padding: 4px 10px; font-size: .75rem; font-weight: 700; }
.status-badge::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: #16a34a; display: block; animation: pulse-dot 2s infinite; }
 
/* ─── EMI ────────────────────────────────── */
.bank-card {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 16px;
  transition: box-shadow .22s;
}
.bank-card:hover { box-shadow: var(--shadow-lg); }
.bank-card-header {
  background: linear-gradient(90deg, #f0f7ff, var(--white));
  border-bottom: 1px solid var(--border);
  padding: 14px 18px;
  display: flex; align-items: center; gap: 12px;
}
.bank-ico {
  width: 40px; height: 40px; border-radius: 10px;
  background: var(--primary); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}
.bank-card-header .bname { font-size: .95rem; font-weight: 700; color: var(--primary); margin: 0; }
.bank-card-header .bsub  { font-size: .78rem; color: var(--muted); margin: 0; }
.bank-emi-table { width: 100%; border-collapse: collapse; font-size: .84rem; }
.bank-emi-table thead th { background: #f8fafc; padding: 9px 16px; font-weight: 600; font-size: .78rem; color: var(--muted); border-bottom: 1px solid var(--border); text-align: left; white-space: nowrap; }
.bank-emi-table tbody td { padding: 10px 16px; border-bottom: 1px solid #f0f5fa; }
.bank-emi-table tbody tr:last-child td { border-bottom: none; }
.bank-emi-table tbody tr:hover td { background: #f4f9fd; }
.rate-free { display: inline-flex; align-items: center; gap: 4px; background: #dcfce7; color: #15803d; border-radius: 6px; padding: 2px 9px; font-size: .75rem; font-weight: 700; }
.rate-paid { color: var(--warning); font-weight: 600; }
 
/* ─── EMI CALCULATOR ─────────────────────── */
.calc-section {
  background: linear-gradient(135deg, #f0f7ff, #fafcff);
  border: 1.5px solid #c3ddf5;
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 8px;
}
.calc-section h6 { font-family: 'Fraunces', serif; font-size: 1.05rem; color: var(--primary); margin-bottom: 18px; display: flex; align-items: center; gap: 8px; }
.calc-label { font-size: .78rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 5px; }
.calc-input {
  width: 100%;
  padding: 9px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s;
}
.calc-input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(0,180,216,.1); }
.result-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
  text-align: center;
  transition: transform .2s;
}
.result-card:hover { transform: translateY(-2px); }
.result-card .r-label { font-size: .75rem; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 4px; }
.result-card .r-val  { font-size: 1.35rem; font-weight: 700; }
.r-blue   { color: var(--primary); }
.r-green  { color: var(--success); }
.r-orange { color: var(--warning); }
 
/* ─── ACCORDION ──────────────────────────── */
.faq-accordion .accordion-button {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: .92rem;
  font-weight: 600;
  color: var(--primary);
  background: #f4f9fd;
  border-radius: 0 !important;
  box-shadow: none !important;
  padding: 16px 20px;
}
.faq-accordion .accordion-button:not(.collapsed) { background: #e8f4fd; color: var(--primary); }
.faq-accordion .accordion-button::after { filter: invert(25%) sepia(70%) saturate(400%) hue-rotate(180deg); }
.faq-accordion .accordion-body { font-size: .88rem; line-height: 1.75; color: #2d4055; padding: 16px 20px; }
.faq-accordion .accordion-item { border: 1px solid var(--border); border-radius: 10px !important; margin-bottom: 8px; overflow: hidden; }
.faq-accordion .accordion-item:last-child { margin-bottom: 0; }
 
/* ─── VISITING TABLE ─────────────────────── */
.visit-table { width: 100%; border-collapse: separate; border-spacing: 0; border-radius: 10px; overflow: hidden; border: 1px solid var(--border); }
.visit-table thead tr { background: var(--primary); }
.visit-table thead th { color: #fff; padding: 13px 18px; font-weight: 600; font-size: .85rem; border: none; }
.visit-table td { padding: 13px 18px; font-size: .88rem; border-bottom: 1px solid var(--border); }
.visit-table tbody tr:nth-child(odd) { background: #f4f9fd; }
.visit-table tbody tr:nth-child(even) { background: var(--white); }
.visit-table tbody tr:last-child td { border-bottom: none; }
.time-chip { display: inline-block; background: var(--primary); color: #fff; border-radius: 6px; padding: 3px 10px; font-size: .78rem; font-weight: 600; margin: 2px; }
 
/* ─── CHECKLIST ──────────────────────────── */
.check-list { list-style: none; padding: 0; }
.check-list li {
  display: flex; gap: 10px; align-items: flex-start;
  padding: 10px 0; border-bottom: 1px solid #f0f5fa;
  font-size: .9rem; line-height: 1.65; color: #2d4055;
}
.check-list li:last-child { border-bottom: none; }
.check-list li .chk {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--success); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: .7rem; flex-shrink: 0; margin-top: 2px;
}
 
/* ─── AMENITY CARDS ──────────────────────── */
.amenity-card {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 18px 12px;
  text-align: center;
  transition: all .22s;
  height: 100%;
}
.amenity-card:hover { border-color: var(--accent); background: #e8f4fd; transform: translateY(-3px); }
.amenity-card .a-ico { font-size: 1.8rem; margin-bottom: 8px; }
.amenity-card p { font-size: .84rem; font-weight: 600; color: var(--primary); margin: 0; }
 
/* ─── HEALTH PLAN TABLE ──────────────────── */
.hp-table { width: 100%; border-collapse: separate; border-spacing: 0; border-radius: 10px; overflow: hidden; border: 1px solid var(--border); }
.hp-table thead tr { background: var(--primary); }
.hp-table thead th { color: #fff; padding: 12px 14px; font-size: .8rem; font-weight: 600; border: none; white-space: nowrap; }
.hp-table td { padding: 10px 14px; font-size: .83rem; border-bottom: 1px solid var(--border); }
.hp-table tbody tr:nth-child(odd) { background: #f4f9fd; }
.hp-table tbody tr:nth-child(even) { background: var(--white); }
.hp-table tbody tr:last-child td { border-bottom: none; }
.disc-chip { display: inline-block; background: #dcfce7; color: #15803d; border-radius: 20px; padding: 2px 9px; font-size: .75rem; font-weight: 700; }
 
/* ─── EMERGENCY BANNER ───────────────────── */
.emg-banner {
  background: linear-gradient(135deg, #b91c1c, #dc2626);
  border-radius: 10px;
  padding: 20px 24px;
  color: #fff;
  display: flex; align-items: center; gap: 16px;
  margin-bottom: 20px;
  animation: shake .6s ease;
}
@keyframes shake { 0%,100%{transform:none} 25%{transform:translateX(-4px)} 75%{transform:translateX(4px)} }
.emg-banner .e-ico { font-size: 2rem; }
.emg-banner h5 { margin: 0 0 4px; font-size: 1rem; }
.emg-banner a { color: #fde68a; font-weight: 700; font-size: 1.05rem; text-decoration: none; }
.emg-banner a:hover { color: #fff; }
 
/* ─── FLOATING STATS BAR ─────────────────── */
.stats-bar {
  background: var(--primary-dark);
  color: #fff;
  padding: 14px 0;
}
.stat-item { text-align: center; }
.stat-item .stat-num { font-family: 'Fraunces', serif; font-size: 1.6rem; font-weight: 700; color: var(--accent2); }
.stat-item .stat-label { font-size: .75rem; opacity: .75; margin-top: 1px; }
 
/* ─── SCROLL ANIMATIONS ──────────────────── */
.fade-in-up { opacity: 0; transform: translateY(20px); transition: opacity .5s ease, transform .5s ease; }
.fade-in-up.visible { opacity: 1; transform: none; }
 
/* ─── RESPONSIVE ─────────────────────────── */
@media (max-width: 991px) {
  .sidebar-wrapper { margin-bottom: 24px; }
}
@media (max-width: 576px) {
  .ins-tab-btn { font-size: .78rem; padding: 7px 12px; }
  .card-body-pad { padding: 16px; }
  .emg-banner { flex-direction: column; text-align: center; }
  .calc-section { padding: 16px; }
  .gov-table { font-size: .78rem; }
  .gov-table thead th, .gov-table td { padding: 9px 10px; }
}

@keyframes fadeRotate {
  from { opacity: 0; transform: rotate(-180deg); }
  to { opacity: 1; transform: rotate(0deg); }
}