/* ==========================================================================
   INSURANCE ADVISORY — STYLESHEET
   Matches dhanvesttorwebsite.vercel.app reference design
   ========================================================================== */

/* 1. Page Wrap */
.ins-page {
    width: 100%;
    overflow-x: hidden;
    background-color: var(--color-ivory, #fbf7f0);
    color: var(--color-ink, #1d1b3a);
}

/* 2. Inner Hero */
.ins-hero {
    background-color: var(--color-ivory, #fbf7f0);
    border-bottom: 1px solid var(--color-line, rgba(29, 27, 58, 0.12));
    padding: 70px 0 80px;
    position: relative;
}
@media (min-width: 1024px) {
    .ins-hero {
        padding: 90px 0 100px;
    }
}

.ins-hero-grid {
    display: grid;
    gap: 48px;
    align-items: center;
}
@media (min-width: 1024px) {
    .ins-hero-grid {
        grid-template-columns: 1.15fr 0.85fr;
        gap: 64px;
    }
}

.ins-hero-title {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: clamp(2.6rem, 4.2vw, 4rem);
    font-weight: 500;
    line-height: 1.08;
    color: var(--color-indigo, #2e2a6e);
    letter-spacing: -0.02em;
    margin: 16px 0 20px;
}
.ins-hero-title em {
    color: var(--color-raspberry, #de4d7a);
    font-style: italic;
    font-weight: 500;
}

.ins-hero-lede {
    font-size: clamp(1.1rem, 1.25vw, 1.25rem);
    line-height: 1.65;
    color: #3f3d5c;
    max-width: 56ch;
    margin-bottom: 32px;
}

.ins-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 36px;
}

.ins-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    border-top: 1px solid var(--color-line, rgba(29, 27, 58, 0.12));
    padding-top: 24px;
}
.ins-hero-trust span {
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--color-mist, #6e6c86);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.ins-hero-trust span::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background-color: var(--color-raspberry, #de4d7a);
}

.ins-hero-visual {
    position: relative;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 20px 40px -15px rgba(29, 27, 58, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.8);
    aspect-ratio: 4/5;
    max-height: 520px;
    background: #e9dcc7;
}
.ins-hero-visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}
.ins-hero-visual:hover img {
    transform: scale(1.03);
}

/* 3. Section Basics */
.ins-section {
    padding: 80px 0;
    position: relative;
}
@media (min-width: 1024px) {
    .ins-section {
        padding: 100px 0;
    }
}
.ins-section-paper {
    background-color: var(--color-paper, #f4ede1);
}
.ins-section-sand {
    background-color: var(--color-sand, #e9dcc7);
}
.ins-section-ivory {
    background-color: var(--color-ivory, #fbf7f0);
}

.ins-head-split {
    display: grid;
    gap: 24px;
    margin-bottom: 48px;
}
@media (min-width: 1024px) {
    .ins-head-split {
        grid-template-columns: 1.2fr 0.8fr;
        align-items: flex-end;
        gap: 60px;
    }
}
.ins-section-title {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: clamp(2rem, 3.2vw, 2.85rem);
    line-height: 1.15;
    color: var(--color-indigo, #2e2a6e);
    margin: 8px 0 0;
}
.ins-section-title em {
    color: var(--color-raspberry, #de4d7a);
    font-style: italic;
    font-weight: 500;
}
.ins-section-desc {
    font-size: 1.05rem;
    line-height: 1.65;
    color: #3f3d5c;
    margin: 0;
}

/* 4. Service Grid Cards (01, 02, 03) */
.ins-service-grid {
    display: grid;
    gap: 24px;
    grid-template-columns: 1fr;
}
@media (min-width: 768px) {
    .ins-service-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.ins-service-card {
    background: #ffffff;
    border: 1px solid var(--color-line, rgba(29, 27, 58, 0.12));
    border-radius: 20px;
    padding: 32px 28px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    text-decoration: none;
    color: inherit;
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s ease, border-color 0.3s ease;
    box-shadow: 0 4px 20px rgba(29, 27, 58, 0.03);
}
.ins-service-card:hover {
    transform: translateY(-5px);
    border-color: rgba(46, 42, 110, 0.3);
    box-shadow: 0 16px 36px -10px rgba(29, 27, 58, 0.1);
}
.ins-service-card .ins-card-num {
    font-family: var(--font-headline-number, "DM Serif Display", serif);
    font-size: 1.35rem;
    color: var(--color-raspberry, #de4d7a);
    display: block;
    margin-bottom: 16px;
}
.ins-service-card h3 {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: 1.65rem;
    font-weight: 500;
    line-height: 1.2;
    color: var(--color-indigo, #2e2a6e);
    margin: 0 0 12px;
    transition: color 0.3s ease;
}
.ins-service-card:hover h3 {
    color: var(--color-raspberry, #de4d7a);
}
.ins-service-card p {
    font-size: 15px;
    line-height: 1.6;
    color: #3f3d5c;
    margin: 0;
}
.ins-service-card .ins-card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 28px;
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    color: var(--color-mist, #6e6c86);
}
.ins-service-card .ins-card-footer span.arrow {
    transition: transform 0.3s ease;
    font-size: 16px;
}
.ins-service-card:hover .ins-card-footer span.arrow {
    transform: translateX(4px);
    color: var(--color-raspberry, #de4d7a);
}

/* 5. In-Depth Category Blocks */
.ins-category-block {
    border-top: 1px solid var(--color-line, rgba(29, 27, 58, 0.12));
    padding-top: 60px;
    margin-top: 60px;
}
.ins-category-block:first-of-type {
    border-top: none;
    padding-top: 0;
    margin-top: 0;
}

.ins-covers-grid {
    display: grid;
    gap: 24px;
    grid-template-columns: 1fr;
    margin-top: 36px;
}
@media (min-width: 640px) {
    .ins-covers-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (min-width: 1024px) {
    .ins-covers-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.ins-cover-box {
    border-top: 1px solid var(--color-line, rgba(29, 27, 58, 0.15));
    padding-top: 20px;
}
.ins-cover-box h4 {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: 1.35rem;
    font-weight: 500;
    color: var(--color-indigo, #2e2a6e);
    margin: 0 0 8px;
}
.ins-cover-box p {
    font-size: 14.5px;
    line-height: 1.6;
    color: #3f3d5c;
    margin: 0;
}

/* Questions Box (Glassmorphic Side Callout) */
.ins-questions-box {
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    border: 1px solid var(--color-line, rgba(29, 27, 58, 0.12));
    border-radius: 20px;
    padding: 36px 32px;
    margin-top: 40px;
    box-shadow: 0 10px 30px -10px rgba(29, 27, 58, 0.05);
}
.ins-questions-box h3 {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: 1.65rem;
    font-weight: 500;
    color: var(--color-indigo, #2e2a6e);
    margin: 0 0 20px;
}
.ins-questions-box h3 em {
    color: var(--color-raspberry, #de4d7a);
    font-style: italic;
}
.ins-questions-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 14px;
}
.ins-questions-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 15px;
    color: #3f3d5c;
    line-height: 1.5;
}
.ins-questions-list li span.dash {
    color: var(--color-raspberry, #de4d7a);
    font-weight: 700;
}

/* 6. Step List (How We Work) */
.ins-steps-grid {
    display: grid;
    gap: 28px;
    grid-template-columns: 1fr;
    margin-top: 48px;
}
@media (min-width: 640px) {
    .ins-steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (min-width: 1024px) {
    .ins-steps-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.ins-step-item {
    border-top: 1px solid var(--color-line, rgba(29, 27, 58, 0.15));
    padding-top: 24px;
}
.ins-step-item .ins-step-num {
    font-family: var(--font-headline-number, "DM Serif Display", serif);
    font-size: 1.65rem;
    color: var(--color-raspberry, #de4d7a);
    display: block;
    margin-bottom: 12px;
}
.ins-step-item h3 {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: 1.4rem;
    font-weight: 500;
    color: var(--color-indigo, #2e2a6e);
    margin: 0 0 10px;
}
.ins-step-item p {
    font-size: 14.5px;
    line-height: 1.6;
    color: #3f3d5c;
    margin: 0;
}

/* 7. Claims Advocacy Feature Band */
.ins-claims-band {
    display: grid;
    gap: 40px;
    align-items: center;
}
@media (min-width: 1024px) {
    .ins-claims-band {
        grid-template-columns: 1.2fr 0.8fr;
        gap: 60px;
    }
}

.ins-audit-card {
    background: rgba(255, 255, 255, 0.95);
    border: 1px solid rgba(46, 42, 110, 0.15);
    border-radius: 20px;
    padding: 36px 32px;
    box-shadow: 0 15px 35px -10px rgba(29, 27, 58, 0.08);
}
.ins-audit-card .badge {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: var(--color-marigold, #f8c233);
    background: var(--color-indigo, #2e2a6e);
    padding: 5px 12px;
    border-radius: 999px;
    margin-bottom: 16px;
}
.ins-audit-card h3 {
    font-family: var(--font-display, "Playfair Display", Georgia, serif);
    font-size: 1.75rem;
    font-weight: 500;
    color: var(--color-indigo, #2e2a6e);
    margin: 0 0 16px;
}
.ins-audit-card ul {
    list-style: none;
    padding: 0;
    margin: 0 0 24px;
    display: grid;
    gap: 14px;
}
.ins-audit-card ul li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 14.5px;
    line-height: 1.5;
    color: #3f3d5c;
}
.ins-audit-card ul li span.check {
    color: var(--color-raspberry, #de4d7a);
    font-weight: 700;
    font-size: 16px;
}