/* =========================================================
   BASE STYLES
========================================================= */

*,
*::before,
*::after {
  box-sizing: border-box;
}

:root {
  --bg-gradient-top: #1b2a4a;
  --bg-gradient-bottom: #0f172a;

  --sidebar-bg: #f7f9ff;

  --card-bg: #ffffff;
  --card-border: rgba(0, 0, 0, 0.06);
  --card-shadow: 0 10px 24px rgba(0, 0, 0, 0.08);

  --accent: #2563eb;
  --accent-soft: #e0ecff;

  --text-main: #111827;
  --text-muted: #6b7280;

  --badge-bg: #eef2ff;
  --badge-border: #c7d2fe;

  --divider: rgba(148, 163, 184, 0.4);

  --benefits-bg: #f3f4ff;
  --benefits-border: #cbd5f5;
}

body {
  margin: 0;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
  background: linear-gradient(
    180deg,
    var(--bg-gradient-top),
    var(--bg-gradient-bottom)
  );
  color: var(--text-main);
}

/* =========================================================
   TOP BAR
========================================================= */

.top-bar {
  background: #ffffff;
  border-bottom: 1px solid rgba(148, 163, 184, 0.3);
}

.top-bar-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 12px 24px;
}

.app-title-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
}

.phq-logo {
  height: 32px;
  width: 32px;
  object-fit: contain;
  flex-shrink: 0;
}

.app-title {
  margin: 0;
  font-size: 18px;
  font-weight: 600;
  color: #111827;
}

/* =========================================================
   APP LAYOUT
========================================================= */

.app-shell {
  max-width: 1440px;
  margin: 0 auto;
  padding: 20px 24px 40px;

  display: grid;
  grid-template-columns: 180px minmax(0, 1fr); /* SIDEBAR MADE NARROWER */
  gap: 22px;
  align-items: flex-start;
}

/* =========================================================
   STATE GATE + BADGE
========================================================= */

.state-gate {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.18s ease;
  z-index: 60;
}

.state-gate.open {
  opacity: 1;
  pointer-events: auto;
}

.state-modal {
  width: 100%;
  max-width: 440px;
  background: #ffffff;
  border-radius: 14px;
  padding: 18px 18px 20px;
  box-shadow: 0 24px 42px rgba(15, 23, 42, 0.25);
  border: 1px solid rgba(148, 163, 184, 0.35);
}

.state-modal h2 {
  margin: 0 0 6px;
  font-size: 18px;
  font-weight: 700;
  color: #0f172a;
}

.state-modal-copy {
  margin: 0 0 12px;
  font-size: 14px;
  color: #475569;
}

.state-label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 6px;
  color: #0f172a;
}

.state-modal select {
  width: 100%;
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid rgba(148, 163, 184, 0.6);
  font-size: 14px;
  background: #f8fafc;
  color: #111827;
}

.state-modal select:focus {
  outline: 2px solid rgba(37, 99, 235, 0.22);
  background: #ffffff;
}

.state-error {
  margin-top: 8px;
  font-size: 13px;
  color: #b91c1c;
  display: none;
}

.state-modal-actions {
  margin-top: 14px;
  display: flex;
  justify-content: flex-end;
}

.state-cta {
  padding: 10px 14px;
  border-radius: 10px;
  border: none;
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  color: #ffffff;
  background: linear-gradient(90deg, #2563eb, #4f46e5);
  box-shadow: 0 10px 22px rgba(37, 99, 235, 0.32);
}

.state-chip-bar {
  display: flex;
  align-items: center;
  gap: 8px;
}

.state-chip {
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(37, 99, 235, 0.08);
  border: 1px solid rgba(37, 99, 235, 0.2);
  font-size: 12px;
  font-weight: 700;
  color: #0f172a;
  min-width: 160px;
  text-align: center;
}

.state-chip-empty {
  background: rgba(248, 113, 113, 0.12);
  border-color: rgba(248, 113, 113, 0.3);
  color: #991b1b;
}

.state-chip-btn {
  padding: 7px 12px;
  border-radius: 10px;
  border: 1px solid rgba(148, 163, 184, 0.7);
  background: #ffffff;
  cursor: pointer;
  font-weight: 600;
  font-size: 12px;
  color: #111827;
}

.state-chip-btn:hover {
  background: #f1f5f9;
}

/* =========================================================
   SIDEBAR
========================================================= */

.sidebar {
  background: var(--sidebar-bg);
  border-radius: 12px;
  padding: 16px 14px 18px;

  border: 1px solid rgba(148, 163, 184, 0.35);
  box-shadow: 0 10px 22px rgba(15, 23, 42, 0.07);
}

.sidebar-title {
  margin: 0 0 10px;
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  color: #4b5563;
}

.sidebar-subheading {
  margin: 14px 0 4px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #9ca3af;
}

.sidebar-checkbox {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 5px 4px;
  font-size: 13px;
  border-radius: 6px;
  cursor: pointer;
  color: #111827;
}

.sidebar-checkbox.carrier-label {
  font-size: 15px;
  font-weight: 700;
  gap: 10px;
  padding: 8px 0 8px 2px;
  margin-left: -6px; /* nudge carriers left so they stand apart */
  cursor: default;
}

.sidebar-checkbox:hover {
  background: rgba(37, 99, 235, 0.06);
}

.sidebar-checkbox input {
  width: 16px;
  height: 16px;
  min-width: 16px;
  min-height: 16px;
  flex-shrink: 0;
  accent-color: var(--accent);
}

.sidebar-checkbox.carrier-label input {
  accent-color: var(--accent);
}

.sidebar-checkbox.static-label:hover {
  background: transparent;
}

.sidebar-checkbox-disabled {
  opacity: 0.55;
  cursor: default;
}

.sidebar-checkbox-disabled:hover {
  background: transparent;
}

/* =========================================================
   MAIN CONTENT
========================================================= */

.main-content {
  min-height: 480px;
}

.content-inner {
  background: linear-gradient(135deg, #eef2ff 0%, #f8fafc 45%, #e0f2fe 100%);
  border-radius: 14px;
  padding: 18px 18px 26px;

  border: 1px solid rgba(148, 163, 184, 0.35);
  box-shadow: 0 14px 32px rgba(15, 23, 42, 0.16);
}

.content-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}

.filter-row {
  display: flex;
  justify-content: flex-start;
  align-items: center;
  gap: 12px;
  margin: 0 0 12px;
}

.subscription-banner {
  margin: 0 0 16px;
  padding: 12px 16px;
  border-radius: 12px;
  display: flex;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  border: 1px solid rgba(148, 163, 184, 0.4);
  background: rgba(226, 232, 240, 0.75);
}

.subscription-banner-actions {
  display: flex;
  gap: 8px;
  align-items: center;
}

.subscription-banner[data-state="warning"] {
  background: #fef3c7;
  border-color: #f59e0b;
  color: #92400e;
}

.subscription-banner[data-state="success"] {
  background: #dcfce7;
  border-color: #22c55e;
  color: #065f46;
}

.subscription-banner-text {
  margin: 0;
  font-size: 13px;
  font-weight: 600;
}

.subscribe-btn {
  border: none;
  border-radius: 8px;
  padding: 8px 14px;
  background: linear-gradient(90deg, #2563eb, #4f46e5);
  color: #fff;
  font-weight: 600;
  font-size: 13px;
  cursor: pointer;
  box-shadow: 0 6px 18px rgba(37, 99, 235, 0.25);
}

.subscribe-btn:disabled {
  opacity: 0.65;
  cursor: not-allowed;
}

.subscribe-btn.manage-btn {
  background: linear-gradient(90deg, #64748b, #475569);
  box-shadow: 0 6px 18px rgba(100, 116, 139, 0.25);
}

.tag-filter {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.75);
  border: 1px solid rgba(148, 163, 184, 0.6);
  border-radius: 10px;
  padding: 6px 10px;
  color: #0f172a;
  font-size: 13px;
}

.tag-filter label {
  font-weight: 600;
}

.tag-filter select {
  border: 1px solid rgba(148, 163, 184, 0.8);
  border-radius: 8px;
  padding: 4px 8px;
  font-size: 13px;
  background: #fff;
  color: #0f172a;
}

.tag-filter select:focus {
  outline: 2px solid rgba(37, 99, 235, 0.2);
}

.section-title {
  margin: 0;
  font-size: 18px;
  font-weight: 600;
  color: #f9fafb;

  padding: 6px 12px;
  border-radius: 999px;
  background: linear-gradient(90deg, #2563eb, #4f46e5);
  box-shadow: 0 10px 20px rgba(37, 99, 235, 0.4);
}

/* =========================================================
   PLAN GRID
========================================================= */

.plans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 20px; /* widened slightly for breathing room */
}

@media (max-width: 1100px) {
  .plans-grid {
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  }
}

@media (max-width: 900px) {
  .app-shell {
    grid-template-columns: 1fr;
  }

  .plans-grid {
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  }
}

@media (max-width: 640px) {
  .plans-grid {
    grid-template-columns: 1fr;
  }
}

.state-empty {
  padding: 18px;
  background: rgba(255, 255, 255, 0.85);
  border: 1px dashed rgba(148, 163, 184, 0.6);
  border-radius: 12px;
  color: #111827;
  font-weight: 600;
  text-align: center;
}

.state-empty-error {
  color: #b91c1c;
  border-color: rgba(185, 28, 28, 0.45);
  background: rgba(254, 226, 226, 0.85);
}

/* =========================================================
   PLAN CARDS
========================================================= */

.plan-card {
  background: var(--card-bg);
  border-radius: 16px;
  border: 2px solid var(--card-border);
  padding: 12px 12px 4px;
  position: relative;

  display: flex;
  flex-direction: column;
  gap: 4px;

  box-shadow: var(--card-shadow);
  border-left: 4px solid transparent; /* network accent stripe */
}

.plan-name {
  margin: 0 0 4px;
  font-size: 15px;
  font-weight: 600;
  color: #111827;
}

.plan-badge {
  display: inline-flex;
  padding: 3px 8px;
  border-radius: 999px;
  font-size: 11px;

  color: #4b5563;
  background: var(--badge-bg);
  border: 1px solid var(--badge-border);
}

.plan-card.network-cigna {
  border-color: #166534; /* dark green for Cigna */
  border-left-color: #166534;
}

.plan-card.network-phcs {
  border-color: #facc15; /* light yellow for PHCS */
  border-left-color: #facc15;
}

.plan-card.network-bcbs {
  border-color: #1d4ed8; /* dark blue for BCBS */
  border-left-color: #1d4ed8;
}

.plan-card.network-firsthealth {
  border-color: #d97706; /* dark yellow accent */
  border-left-color: #d97706;
}

.plan-card.guarantee-issue {
  border-color: #dc2626;
  border-left-color: #dc2626;
}

.plan-badge.network-cigna {
  background: #e6f4ec;
  border-color: #b7e1c5;
  color: #14532d;
}

.plan-badge.network-phcs {
  background: #fff7d6;
  border-color: #fde68a;
  color: #92400e;
}

.plan-badge.network-bcbs {
  background: #e4ebff;
  border-color: #c5d2ff;
  color: #0f2a8a;
}

.plan-badge.network-firsthealth {
  background: #fff7e0;
  border-color: #f1d48a;
  color: #b45309;
}

.plan-badge.guarantee-issue {
  background: #fee2e2;
  border-color: #fecdd3;
  color: #b91c1c;
}

.plan-badge + .plan-badge {
  margin-top: 4px;
}

.plan-tag {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.35px;
  color: #0f172a;
  background: #f8fafc;
  border: 1px solid #cbd5e1;
  box-shadow: 0 6px 14px rgba(15, 23, 42, 0.08);
}

.plan-tag-inline {
  margin-left: auto;
}

.plan-tag-mm {
  background: #e0f2fe;
  border-color: #bae6fd;
  color: #0b7ea4;
}

.plan-tag-vl {
  background: #fee2e2;
  border-color: #fca5a5;
  color: #7f1d1d;
}

.age-group-select {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  color: #374151;
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid rgba(148, 163, 184, 0.35);
  border-radius: 10px;
  padding: 6px 10px;
  width: 100%;
  justify-content: space-between;
}

.age-group-select label {
  font-weight: 600;
}

.age-group-select select {
  border: 1px solid rgba(148, 163, 184, 0.7);
  border-radius: 8px;
  padding: 4px 6px;
  font-size: 11px;
  background: #fff;
  color: #111827;
}

.age-group-select select:focus {
  outline: 2px solid rgba(37, 99, 235, 0.18);
}

.age-group-flat {
  justify-content: space-between;
  min-height: 30px;
}

.age-group-flat .flat-label {
  font-weight: 700;
  color: #1f2937;
}

.age-group-flat .flat-note {
  font-weight: 600;
  color: #4b5563;
}

.age-band-tag {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  color: #1f2937;
  background: rgba(37, 99, 235, 0.08);
  border: 1px solid rgba(37, 99, 235, 0.15);
  border-radius: 10px;
  padding: 4px 8px;
  width: fit-content;
}

/* =========================================================
   PREMIUM ROWS
========================================================= */

.premiums {
  margin-top: 6px;
  padding-top: 6px;
  border-top: 1px solid var(--divider);
  font-size: 12px;
}

.premium-row {
  margin: 2px 0;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  column-gap: 14px;
}

.premium-label {
  font-weight: 600;
  text-align: left;
  padding-right: 4px;
  white-space: nowrap;
}

.premium-value {
  text-align: right;
  justify-self: end;
  font-variant-numeric: tabular-nums;
}

/* =========================================================
   FOOTER (PDF + BUTTON)
========================================================= */

.card-footer {
  margin-top: 6px;
  padding-top: 6px;
  border-top: 1px solid var(--divider);

  display: flex;
  flex-direction: column;
  gap: 4px;
}

.summary-link {
  font-size: 12px;
  color: var(--accent);
  text-decoration: none;
}

.summary-link:hover {
  text-decoration: underline;
}

.enroll-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 7px 12px;
  border-radius: 10px;
  background: linear-gradient(90deg, #059669, #10b981);
  color: #ffffff;
  font-weight: 700;
  font-size: 12px;
  text-decoration: none;
  border: none;
  box-shadow: 0 10px 20px rgba(16, 185, 129, 0.35);
}

.enroll-btn:hover {
  filter: brightness(1.05);
}

.toggle-benefits {
  width: 100%;
  padding: 7px 12px;
  margin-top: 2px;
  border: none;
  border-radius: 999px;

  font-size: 12px;
  font-weight: 500;

  background: linear-gradient(90deg, #2563eb, #4f46e5);
  color: #ffffff;
  cursor: pointer;

  display: flex;
  align-items: center;
  justify-content: center;
}

.toggle-benefits:hover {
  filter: brightness(1.07);
}

.plan-email-checkbox-wrap {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 4px;
  padding: 4px 0;
}

.plan-email-checkbox {
  width: 16px;
  height: 16px;
  cursor: pointer;
  accent-color: #7c3aed;
}

.plan-email-label {
  font-size: 12px;
  color: var(--text-main);
  cursor: pointer;
  user-select: none;
}

.plan-email-label:hover {
  color: #7c3aed;
}

/* Floating Email Selected Plans Button */
.email-selected-btn {
  position: fixed;
  bottom: 24px;
  right: 24px;
  padding: 14px 24px;
  border: none;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 600;
  background: linear-gradient(90deg, #7c3aed, #a855f7);
  color: #ffffff;
  cursor: pointer;
  box-shadow: 0 10px 30px rgba(124, 58, 237, 0.4);
  z-index: 999;
  transition: all 0.2s;
}

.email-selected-btn:hover:not(:disabled) {
  filter: brightness(1.1);
  transform: translateY(-2px);
  box-shadow: 0 12px 35px rgba(124, 58, 237, 0.5);
}

.email-selected-btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

/* =========================================================
   EMAIL PLAN MODAL
========================================================= */

.email-modal {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
}

.email-modal[hidden] {
  display: none !important;
}

.email-modal-content {
  background: white;
  border-radius: 16px;
  padding: 24px;
  max-width: 400px;
  width: 90%;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
}

.email-modal-content h3 {
  margin: 0 0 12px 0;
  font-size: 20px;
  font-weight: 600;
  color: var(--text-main);
}

.email-modal-content p {
  margin: 0 0 16px 0;
  font-size: 14px;
  color: var(--text-muted);
}

.selected-plans-list {
  margin-bottom: 16px;
  padding: 12px;
  background: #f3f4f6;
  border-radius: 8px;
  max-height: 150px;
  overflow-y: auto;
}

.selected-plans-list ul {
  margin: 0;
  padding-left: 20px;
  list-style: disc;
}

.selected-plans-list li {
  font-size: 13px;
  color: var(--text-main);
  margin-bottom: 4px;
}

.email-input {
  width: 100%;
  padding: 10px 12px;
  border: 2px solid var(--divider);
  border-radius: 8px;
  font-size: 14px;
  margin-bottom: 12px;
  box-sizing: border-box;
}

.email-input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.email-error {
  color: #dc2626;
  font-size: 13px;
  margin-bottom: 12px;
  padding: 8px;
  background: #fef2f2;
  border-radius: 6px;
}

.email-modal-actions {
  display: flex;
  gap: 8px;
  justify-content: flex-end;
}

.email-btn-cancel,
.email-btn-send {
  padding: 10px 20px;
  border: none;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s;
}

.email-btn-cancel {
  background: #f3f4f6;
  color: var(--text-main);
}

.email-btn-cancel:hover {
  background: #e5e7eb;
}

.email-btn-send {
  background: linear-gradient(90deg, #2563eb, #4f46e5);
  color: white;
}

.email-btn-send:hover {
  filter: brightness(1.07);
}

.email-btn-send:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

/* =========================================================
   UNDERWRITING QUESTIONS
========================================================= */

.underwriting-btn {
  padding: 6px 14px;
  border: 1px solid rgba(148, 163, 184, 0.6);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.75);
  color: #0f172a;
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.underwriting-btn:hover {
  background: rgba(255, 255, 255, 0.9);
  border-color: rgba(37, 99, 235, 0.4);
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.filter-actions {
  display: flex;
  align-items: center;
  gap: 8px;
}

.cutoff-dropdown {
  position: relative;
}

.cutoff-menu {
  position: absolute;
  right: 0;
  margin-top: 6px;
  min-width: 260px;
  padding: 10px 12px;
  background: #ffffff;
  border-radius: 12px;
  box-shadow: 0 12px 30px rgba(15, 23, 42, 0.18);
  border: 1px solid rgba(148, 163, 184, 0.4);
  z-index: 40;
}

.cutoff-menu-header {
  font-size: 13px;
  font-weight: 600;
  color: #0f172a;
  margin-bottom: 6px;
}

.cutoff-menu-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.cutoff-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  padding: 4px 0;
}

.cutoff-label {
  color: #111827;
}

.cutoff-date {
  font-weight: 600;
  color: #2563eb;
}

.underwriting-modal {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  overflow-y: auto;
  padding: 20px;
}

.underwriting-modal[hidden] {
  display: none !important;
}

.underwriting-modal-content {
  background: white;
  border-radius: 16px;
  padding: 24px;
  max-width: 800px;
  width: 90%;
  max-height: 90vh;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
  display: flex;
  flex-direction: column;
  margin: auto;
}

.underwriting-modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 2px solid #e5e7eb;
}

.underwriting-modal-header h3 {
  margin: 0;
  font-size: 24px;
  font-weight: 600;
  color: var(--text-main);
}

.underwriting-close {
  background: none;
  border: none;
  font-size: 32px;
  line-height: 1;
  color: #6b7280;
  cursor: pointer;
  padding: 0;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 6px;
  transition: all 0.2s;
}

.underwriting-close:hover {
  background: #f3f4f6;
  color: #1f2937;
}

.underwriting-carrier-selector {
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.underwriting-carrier-selector label {
  font-weight: 600;
  color: var(--text-main);
  font-size: 14px;
}

.underwriting-carrier-selector select {
  flex: 1;
  padding: 10px 12px;
  border: 2px solid var(--divider);
  border-radius: 8px;
  font-size: 14px;
  background: white;
  color: var(--text-main);
  cursor: pointer;
}

.underwriting-carrier-selector select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.underwriting-content {
  flex: 1;
  overflow-y: auto;
  padding-right: 8px;
  margin-bottom: 20px;
}

.underwriting-content::-webkit-scrollbar {
  width: 8px;
}

.underwriting-content::-webkit-scrollbar-track {
  background: #f3f4f6;
  border-radius: 4px;
}

.underwriting-content::-webkit-scrollbar-thumb {
  background: #cbd5e1;
  border-radius: 4px;
}

.underwriting-content::-webkit-scrollbar-thumb:hover {
  background: #94a3b8;
}

.underwriting-empty {
  text-align: center;
  color: var(--text-muted);
  padding: 40px 20px;
  font-size: 14px;
}

.underwriting-carrier-name {
  font-size: 20px;
  font-weight: 600;
  color: var(--text-main);
  margin-bottom: 24px;
  padding-bottom: 12px;
  border-bottom: 2px solid #e5e7eb;
}

.underwriting-instructions {
  margin-bottom: 24px;
  padding: 16px;
  background: #eff6ff;
  border-left: 4px solid #3b82f6;
  border-radius: 8px;
  font-size: 14px;
  color: var(--text-main);
  line-height: 1.6;
}

.underwriting-question {
  margin-bottom: 24px;
  padding: 16px;
  background: #f9fafb;
  border-radius: 8px;
  border-left: 4px solid var(--accent);
}

.underwriting-question-header {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-bottom: 12px;
}

.question-number {
  font-weight: 700;
  color: var(--accent);
  font-size: 16px;
  min-width: 24px;
}

.question-text {
  flex: 1;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-main);
  line-height: 1.5;
}

.question-required {
  color: #dc2626;
  font-weight: 700;
  font-size: 16px;
}

.underwriting-subquestions {
  margin: 12px 0 0 0;
  padding-left: 24px;
  list-style-type: none;
}

.underwriting-subquestions li {
  margin-bottom: 8px;
  font-size: 14px;
  color: var(--text-main);
  line-height: 1.6;
  position: relative;
  padding-left: 8px;
}

.underwriting-subquestions li::before {
  content: "•";
  position: absolute;
  left: -16px;
  color: var(--accent);
  font-weight: 700;
}

.underwriting-disclaimer {
  margin-top: 24px;
  padding: 16px;
  background: #fef2f2;
  border-left: 4px solid #dc2626;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  color: #991b1b;
  line-height: 1.6;
}

.underwriting-disclaimer::before {
  content: "Disclaimer: ";
  font-weight: 700;
}

.underwriting-modal-actions {
  display: flex;
  gap: 8px;
  justify-content: flex-end;
  padding-top: 16px;
  border-top: 2px solid #e5e7eb;
}

.underwriting-btn-cancel {
  padding: 10px 20px;
  border: none;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s;
  background: linear-gradient(90deg, #2563eb, #4f46e5);
  color: white;
}

.underwriting-btn-cancel:hover {
  filter: brightness(1.07);
}

/* =========================================================
   BENEFITS PANEL (DROPDOWN)
========================================================= */

.benefits-panel {
  margin-top: 0;
  padding: 0;
  font-size: 11px;

  background: var(--benefits-bg);
  border: none;
  border-radius: 12px;

  max-height: 0;
  opacity: 0;
  overflow: hidden;

  transform: translateY(-4px);
  transition:
    max-height 0.22s ease,
    opacity 0.18s ease,
    transform 0.18s ease;
}

.benefits-panel.open {
  max-height: 280px; /* roomy for all benefits */
  opacity: 1;
  transform: translateY(0);
  margin-top: 2px;
  padding: 10px 10px;
  border: 1px solid var(--benefits-border);
}

/* Proper bullet formatting */
.benefits-panel ul {
  margin: 0;
  padding-left: 0;
  list-style: none;
  line-height: 1.4;
}

.benefits-panel li {
  margin: 6px 0;
  white-space: normal;
  word-break: break-word;
}

.benefits-panel li strong {
  margin-right: 6px;
}

/* Carrier logo placement (LifeX, Enroll Prime, etc.) */
.carrier-logo-wrap {
  display: flex;
  justify-content: center;
  padding: 0;
  margin-top: 2px;
}

.carrier-logo {
  max-width: 120px;
  width: 100%;
  height: auto;
}

.carrier-logo.hidden {
  display: none;
}