/* Planning tools: calculators, career quiz, lead capture. Builds on main.css tokens. */

.tool-hero {
  background: linear-gradient(135deg, #0F172A 0%, var(--primary) 100%);
  color: #FFFFFF;
  padding: 3.25rem 0 2.75rem;
}
.tool-hero h1 { font-size: clamp(1.8rem, 3.6vw, 2.5rem); line-height: 1.2; letter-spacing: -0.02em; margin-bottom: 0.75rem; }
.tool-hero p { color: #CBD5E1; font-size: 1.08rem; max-width: 60ch; }

.tool-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 2.5rem;
  align-items: start;
  padding: 3rem 0 1rem;
}

.tool-panel {
  background: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}
.tool-panel h2 { color: var(--primary); font-size: 1.2rem; margin-bottom: 0.25rem; }
.tool-panel .panel-note { color: var(--text-muted); font-size: 0.92rem; margin-bottom: 1.5rem; }

.tool-group { border: 0; margin: 0 0 1.75rem; }
.tool-group:last-child { margin-bottom: 0; }
.tool-group legend { font-weight: 700; color: var(--primary); font-size: 1rem; margin-bottom: 0.9rem; padding: 0; }

.field { margin-bottom: 1rem; }
.field label, .field .label { display: block; font-weight: 600; font-size: 0.95rem; color: var(--text-primary); margin-bottom: 0.35rem; }
.field .hint { display: block; font-weight: 400; color: var(--text-muted); font-size: 0.84rem; margin-top: 0.3rem; }
.field input[type="number"], .field input[type="text"], .field input[type="tel"], .field select, .field textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  padding: 0.72rem 0.9rem;
  border: 1px solid #CBD5E0;
  border-radius: var(--radius-sm);
  background: #FFFFFF;
  color: var(--text-primary);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--secondary); outline-offset: 1px; border-color: var(--primary-light); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.money { position: relative; }
.money::before { content: "\20B9"; position: absolute; left: 0.9rem; top: 50%; transform: translateY(-50%); color: var(--text-muted); pointer-events: none; }
.money input { padding-left: 1.9rem !important; }
.amount-words { display: block; font-size: 0.84rem; color: var(--primary-light); margin-top: 0.3rem; min-height: 1.2em; }

.seg { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.seg label { margin: 0; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span {
  display: inline-block; padding: 0.55rem 0.95rem; border: 1px solid #CBD5E0; border-radius: 999px;
  font-size: 0.93rem; font-weight: 500; cursor: pointer; background: #FFFFFF; color: var(--text-primary);
  transition: var(--transition);
}
.seg input:checked + span { background: var(--primary); border-color: var(--primary); color: #FFFFFF; }
.seg input:focus-visible + span { outline: 2px solid var(--secondary); outline-offset: 2px; }

.check { display: flex; gap: 0.6rem; align-items: flex-start; font-size: 0.95rem; cursor: pointer; }
.check input { margin-top: 0.3rem; accent-color: var(--primary); }

/* Result card: the navy "cover certificate" that updates as the visitor types */
.result-card {
  position: sticky;
  top: 96px;
  background: var(--primary);
  color: #E2E8F0;
  border-radius: var(--radius-lg);
  padding: 2rem;
  border-top: 5px solid var(--secondary);
  box-shadow: var(--shadow-lg);
}
.result-card .r-label { font-size: 0.95rem; color: #CBD5E1; margin-bottom: 0.35rem; }
.result-card .r-figure { font-size: clamp(2.1rem, 4.5vw, 2.9rem); font-weight: 800; color: var(--secondary-light); letter-spacing: -0.02em; line-height: 1.1; }
.result-card .r-sub { font-size: 0.95rem; color: #CBD5E1; margin-top: 0.5rem; }
.ledger { list-style: none; margin: 1.5rem 0 0; border-top: 1px solid rgba(255,255,255,0.15); }
.ledger li { display: flex; justify-content: space-between; gap: 1rem; padding: 0.6rem 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: 0.93rem; }
.ledger li span:last-child { font-weight: 700; color: #FFFFFF; white-space: nowrap; }
.ledger li.minus span:last-child { color: #FBD38D; }
.ledger li.total { border-bottom: 0; font-size: 1rem; }
.ledger li.total span { color: var(--secondary-light) !important; font-weight: 800; }
.r-points { margin: 1.25rem 0 0; padding-left: 1.15rem; font-size: 0.93rem; color: #E2E8F0; }
.r-points li { margin-bottom: 0.45rem; }
.r-actions { display: grid; gap: 0.7rem; margin-top: 1.5rem; }
.r-actions .btn { text-align: center; border: none; width: 100%; }
.btn-wa { background: #1F9D55; color: #FFFFFF; }
.btn-wa:hover { background: #17864A; color: #FFFFFF; text-decoration: none; }
.btn-ghost { background: transparent; color: #FFFFFF; border: 1px solid rgba(255,255,255,0.4) !important; }
.btn-ghost:hover { background: rgba(255,255,255,0.08); color: #FFFFFF; text-decoration: none; }
.result-card .fine { font-size: 0.8rem; color: #94A3B8; margin-top: 1.25rem; }

/* Insurers panel */
.brands { padding: 2.5rem 0 1rem; }
.brands h2 { color: var(--primary); font-size: 1.35rem; margin-bottom: 0.35rem; }
.brands > .container > p { color: var(--text-muted); margin-bottom: 1.5rem; max-width: 70ch; }
.brand-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.25rem; }
.brand-item { background: var(--bg-surface); border: 1px solid var(--border-color); border-left: 4px solid var(--secondary); border-radius: 0; padding: 1.2rem 1.35rem; }
.brand-item h3 { color: var(--primary); font-size: 1.02rem; margin-bottom: 0.35rem; }
.brand-item p { color: var(--text-muted); font-size: 0.92rem; }

/* Method explainer */
.method { padding: 1.5rem 0 1rem; }
.method details { background: var(--bg-surface); border: 1px solid var(--border-color); border-radius: var(--radius-sm); padding: 1rem 1.25rem; }
.method summary { cursor: pointer; font-weight: 700; color: var(--primary); }
.method details div { margin-top: 0.75rem; color: var(--text-primary); font-size: 0.95rem; }
.method details li { margin: 0 0 0.4rem 1.2rem; }

/* Lead form */
.lead-section { padding: 2.5rem 0 3.5rem; }
.lead-wrap { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 2.5rem; align-items: start; }
.lead-wrap h2 { color: var(--primary); font-size: 1.45rem; margin-bottom: 0.6rem; }
.lead-wrap .lead-copy p { color: var(--text-muted); margin-bottom: 0.9rem; }
.lead-form { background: var(--bg-surface); border: 1px solid var(--border-color); border-radius: var(--radius-md); padding: 1.75rem; box-shadow: var(--shadow-md); }
.lead-form .btn { border: none; width: 100%; }
.lead-form .consent { font-size: 0.84rem; color: var(--text-muted); }
.hidden-field { position: absolute; left: -9999px; }
.form-error { color: #C53030; font-size: 0.86rem; margin-top: 0.3rem; display: none; }
.form-error.show { display: block; }

/* Tools hub */
.hub-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.5rem; padding: 3rem 0 3.5rem; }
.hub-item { background: var(--bg-surface); border: 1px solid var(--border-color); border-radius: var(--radius-md); padding: 1.75rem; display: flex; flex-direction: column; gap: 0.6rem; }
.hub-item h2 { font-size: 1.15rem; color: var(--primary); }
.hub-item p { color: var(--text-muted); font-size: 0.94rem; flex: 1; }
.hub-item .btn { align-self: flex-start; padding: 0.65rem 1.2rem; font-size: 0.95rem; }
.hub-item.feature { background: var(--primary); border-color: var(--primary); }
.hub-item.feature h2 { color: #FFFFFF; }
.hub-item.feature p { color: #CBD5E1; }

/* Quiz */
.quiz-shell { max-width: 760px; margin: 0 auto; padding: 3rem 0 3.5rem; }
.quiz-progress { height: 6px; background: var(--border-color); border-radius: 999px; overflow: hidden; margin-bottom: 0.6rem; }
.quiz-progress span { display: block; height: 100%; width: 0; background: var(--secondary); transition: width 0.3s ease; }
.quiz-count { font-size: 0.88rem; color: var(--text-muted); margin-bottom: 1.25rem; }
.quiz-q h2 { color: var(--primary); font-size: 1.4rem; margin-bottom: 1.25rem; line-height: 1.3; }
.quiz-q h2:focus { outline: none; }
.quiz-nav { display: flex; justify-content: space-between; margin-top: 1rem; }
.quiz-nav button { background: none; border: none; color: var(--primary-light); font: inherit; font-weight: 600; cursor: pointer; padding: 0.4rem 0; }
.quiz-result { background: var(--bg-surface); border: 1px solid var(--border-color); border-top: 5px solid var(--secondary); border-radius: var(--radius-md); padding: 2rem; box-shadow: var(--shadow-md); }
.quiz-result .fit { font-size: 1.7rem; font-weight: 800; color: var(--primary); margin-bottom: 0.5rem; }
.quiz-result .meter { display: flex; gap: 6px; margin: 0.75rem 0 1.25rem; }
.quiz-result .meter i { flex: 1; height: 8px; border-radius: 4px; background: var(--border-color); }
.quiz-result .meter i.on { background: var(--secondary); }
.quiz-result ul { margin: 0.75rem 0 1rem 1.2rem; color: var(--text-primary); }
.quiz-result li { margin-bottom: 0.4rem; }

.tool-disclosure { font-size: 0.84rem; color: #4A5568; background: #EDF2F7; border-left: 4px solid var(--primary); padding: 1rem 1.25rem; margin: 0 0 3rem; }

/* Cross-links placed on existing insurance pages */
.tool-callout { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; background: #EBF4FF; border: 1px solid #BEE3F8; border-radius: var(--radius-md); padding: 1.25rem 1.5rem; margin: 2rem 0 0; }
.tool-callout p { margin: 0; color: var(--primary); font-weight: 600; }
.tool-callout span { display: block; font-weight: 400; color: var(--text-muted); font-size: 0.92rem; }
.tool-callout .btn { padding: 0.65rem 1.2rem; font-size: 0.95rem; }

.result-peek { display: none; }
@media (max-width: 900px) {
  .result-peek {
    display: flex; flex-direction: column; position: fixed; left: 14px; bottom: 14px; z-index: 1001;
    background: var(--primary); color: #FFFFFF; border-top: 3px solid var(--secondary); border-radius: var(--radius-sm);
    padding: 0.45rem 0.9rem; box-shadow: 0 8px 22px rgba(15,23,42,0.28); max-width: calc(100% - 100px); line-height: 1.25;
  }
  .result-peek span { font-size: 0.75rem; color: #CBD5E1; }
  .result-peek strong { font-size: 1.05rem; color: var(--secondary-light); }
  .result-peek:hover, .result-peek:focus { color: #FFFFFF; text-decoration: none; }
  .result-peek.hide { display: none; }
  .tool-layout, .lead-wrap { grid-template-columns: 1fr; gap: 1.75rem; }
  .result-card { position: static; }
}
@media (max-width: 560px) {
  .tool-panel, .result-card, .lead-form { padding: 1.35rem; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .quiz-progress span { transition: none; }
}