.insurance-wrap {
  max-width: 600px;
  margin: 0 auto;
  padding: 0 1.5rem 4rem;
  position: relative;
  z-index: 1;
}

.insurance-card {
  background: var(--surface);
  border: 0.5px solid var(--border-hover);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: 0 40px 80px rgba(0,0,0,0.4);
  margin-bottom: 1rem;
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Custom select styles (for Lucide icon selects) */
.custom-select-field {
  position: relative;
}

.custom-select {
  width: 100%;
  padding: 12px 14px;
  border: 0.5px solid var(--border-hover);
  border-radius: var(--radius-sm);
  background: var(--surface2);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
}

.custom-select-value { flex: 1; text-align: left; }

.custom-select-options {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  width: 100%;
  background: var(--surface2);
  border: 0.5px solid var(--border-hover);
  border-radius: var(--radius-sm);
  box-shadow: 0 18px 40px rgba(0,0,0,0.3);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all 0.18s ease;
  z-index: 20;
  max-height: 200px;
  overflow-y: auto;
}

.custom-select-field.open .custom-select-options { opacity: 1; visibility: visible; transform: translateY(0); }

.custom-select-option {
  padding: 12px 14px;
  display: flex;
  gap: 10px;
  align-items: center;
  cursor: pointer;
  color: var(--white);
}

.custom-select-option:hover, .custom-select-option.active { background: rgba(232,255,71,0.06); }

#ins-btn {
  width: 100%;
  background: var(--accent);
  border: none;
  border-radius: var(--radius-sm);
  color: var(--black);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  font-weight: 600;
  padding: 16px;
  transition: all 0.2s;
  margin-top: 0.5rem;
}

#ins-btn:hover {
  background: #f0ff6b;
  transform: translateY(-1px);
}

#ins-btn:disabled {
  background: var(--surface3);
  color: var(--text-muted);
  box-shadow: none;
  cursor: not-allowed;
  transform: none;
}

/* Result */
.ins-result-card { animation: fadeUp 0.4s ease; }

.ins-verdict {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 1.25rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1rem;
  justify-content: center;
}

.ins-verdict.fair     { background: var(--green-bg);  border: 0.5px solid var(--green-border); }
.ins-verdict.high     { background: var(--orange-bg); border: 0.5px solid var(--orange-border); }
.ins-verdict.very-high { background: var(--red-bg);   border: 0.5px solid var(--red-border); }

.ins-verdict-icon { font-size: 28px; }

.ins-verdict-label {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 24px;
  letter-spacing: 0.5px;
}

.ins-verdict.fair      .ins-verdict-label { color: var(--green); }
.ins-verdict.high      .ins-verdict-label { color: var(--orange); }
.ins-verdict.very-high .ins-verdict-label { color: var(--red); }

.ins-price-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 1rem;
}

.ins-price-box {
  background: var(--surface2);
  border: 0.5px solid var(--border);
  border-radius: 10px;
  padding: 12px 14px;
}

.ins-price-box .plabel {
  font-size: 11px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.7px;
  margin-bottom: 5px;
  font-weight: 600;
}

.ins-price-box .pval {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 20px;
  color: var(--white);
  letter-spacing: 0.5px;
}

.ins-summary {
  font-size: 14px;
  color: #bbb;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.ins-tips-box {
  background: var(--accent-dim);
  border: 0.5px solid rgba(232,255,71,0.15);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  margin-bottom: 1rem;
}

.ins-tips-title {
  font-size: 12px;
  font-weight: 700;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 0.75rem;
}

.ins-tip-item {
  display: flex;
  gap: 8px;
  font-size: 13px;
  color: #ccc;
  line-height: 1.6;
  margin-bottom: 6px;
}

.ins-tip-item:last-child { margin-bottom: 0; }

.reset-btn {
  width: 100%;
  background: transparent;
  border: 0.5px solid var(--border-hover);
  border-radius: var(--radius-sm);
  color: var(--text-secondary);
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  padding: 13px;
  transition: all 0.2s;
  margin-top: 0.5rem;
}

.reset-btn:hover {
  border-color: var(--accent);
  color: var(--accent);
  background: var(--accent-dim);
}

@media (max-width: 520px) {
  .two-col { grid-template-columns: 1fr; }
  .ins-price-row { grid-template-columns: 1fr; }
}
/* ===== PREMIUM INSURANCE UPGRADES ===== */
.insurance-card {
  background: var(--surface);
  border: 0.5px solid var(--border-hover);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: 0 40px 80px rgba(0,0,0,0.4), 0 0 0 0.5px rgba(255,255,255,0.04) inset;
  margin-bottom: 1rem;
  transition: box-shadow 0.3s;
}

.insurance-card:hover {
  box-shadow: 0 50px 100px rgba(0,0,0,0.5), 0 0 0 0.5px rgba(96,165,250,0.08) inset;
}

@media (max-width: 520px) {
  .two-col { grid-template-columns: 1fr !important; }
}

/* Result animations */
.ins-result-card { animation: fadeUp 0.5s cubic-bezier(0.34,1.56,0.64,1); }

.ins-verdict {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 1.25rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1rem;
}

.ins-verdict.fair     { background: var(--green-bg);  border: 0.5px solid var(--green-border); }
.ins-verdict.high     { background: var(--orange-bg); border: 0.5px solid var(--orange-border); }
.ins-verdict.very-high { background: var(--red-bg);   border: 0.5px solid var(--red-border); }

.ins-verdict-icon { font-size: 30px; }
.ins-verdict-label {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 26px;
  letter-spacing: 0.5px;
}
.ins-verdict.fair       .ins-verdict-label { color: var(--green); }
.ins-verdict.high       .ins-verdict-label { color: var(--orange); }
.ins-verdict.very-high  .ins-verdict-label { color: var(--red); }

.ins-price-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 1rem;
}

.ins-price-box {
  background: var(--surface2);
  border: 0.5px solid var(--border);
  border-radius: 10px;
  padding: 12px 14px;
}

.ins-summary {
  font-size: 14px;
  color: #bbb;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.ins-tips-box {
  background: var(--accent-dim);
  border: 0.5px solid rgba(232,255,71,0.15);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  margin-bottom: 1rem;
}

.ins-tips-title {
  font-size: 12px;
  font-weight: 700;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 0.75rem;
}

.ins-tip-item {
  display: flex;
  gap: 8px;
  font-size: 13px;
  color: #ccc;
  line-height: 1.6;
  margin-bottom: 6px;
}

.ins-tip-item:last-child { margin-bottom: 0; }

/* Btn arrow fix */
.btn-arrow {
  display: flex;
  align-items: center;
}
@media (max-width: 768px) {
  .ins-verdict-box { padding: 1.25rem; }
  .savings-badge { font-size: 13px; padding: 10px 14px; }
  .tips-box { padding: 1rem; }
}