/* ============================================================
   11-insurance — scoped under .sec-11-insurance
   ============================================================ */

.sec-11-insurance {
  position: relative;
  background: radial-gradient(120% 85% at 50% 0%, #fbf9f3 0%, var(--bone) 50%, #eee8db 100%);
}

/* Slightly more compact than the default section rhythm */
.sec-11-insurance.section-pad {
  padding-block: clamp(3.5rem, 2.5rem + 4vw, 6.5rem);
}

/* --- Panel pair: horizontal (side-by-side) --- */
.sec-11-insurance__panels {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(1.5rem, 3vw, 2.5rem);
}

/* Decorative accent blob tucked behind panel 1's corner */
.sec-11-insurance__accent {
  position: absolute;
  top: -2.5rem;
  left: -2.5rem;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: var(--accent-soft);
  filter: blur(36px);
  opacity: 0.85;
  z-index: 0;
  pointer-events: none;
}

.sec-11-insurance__panel {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
  padding: clamp(1.75rem, 1.4rem + 1.6vw, 2.75rem);
}

.sec-11-insurance__panel-title {
  margin-bottom: 0.6rem;
}

.sec-11-insurance__panel-lead {
  color: var(--text-on-bone-dim);
  margin-bottom: 1.6rem;
  max-width: 40ch;
}

/* --- In Network / Out of Network sub-groups --- */
.sec-11-insurance__group {
  margin-bottom: 1.6rem;
}
.sec-11-insurance__group-label {
  font-family: var(--font-display);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-strong);
  margin-bottom: 0.7rem;
}
.sec-11-insurance__group .sec-11-insurance__panel-lead {
  margin-top: 0.9rem;
  margin-bottom: 0;
  max-width: none;
}

/* --- Insurance tile grid --- */
.sec-11-insurance__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.9rem;
}

.sec-11-insurance__chip {
  border: 1px solid var(--line-bone);
  border-radius: var(--radius-card);
  padding: 1.1rem 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: 84px;
  background: var(--bone);
  transition: transform 240ms var(--ease-out), box-shadow 240ms var(--ease-out), border-color 240ms var(--ease-out), background-color 240ms var(--ease-out);
}
.sec-11-insurance__chip:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-soft);
  border-color: var(--accent-strong);
  background: var(--white);
}
.sec-11-insurance__chip span {
  font-family: var(--font-display);
  font-variant-caps: all-small-caps;
  letter-spacing: 0.04em;
  font-weight: 650;
  font-size: clamp(1.05rem, 0.95rem + 0.5vw, 1.35rem);
  line-height: 1.15;
  color: var(--text-on-bone);
}

.sec-11-insurance__footnote {
  margin-top: auto;
  font-size: var(--fs-small);
  color: var(--text-on-bone-dim);
}
.sec-11-insurance__footnote a {
  color: var(--accent-strong);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: hsl(var(--accent-h) 60% 60% / 0.4);
  text-underline-offset: 2px;
}
.sec-11-insurance__footnote a:hover {
  text-decoration-color: currentColor;
}

/* --- Paperwork panel --- */
.sec-11-insurance__downloads {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  margin-bottom: 1.6rem;
}

.sec-11-insurance__download {
  justify-content: flex-start;
  border-color: var(--line-bone);
  color: var(--text-on-bone);
  width: 100%;
}
.sec-11-insurance__download:hover {
  background: var(--accent-soft);
  border-color: var(--accent-strong);
  color: var(--accent-strong);
}
.sec-11-insurance__download-icon {
  flex-shrink: 0;
}

.sec-11-insurance__reassurance {
  margin-top: auto;
  font-size: var(--fs-small);
  color: var(--text-on-bone-dim);
}

@media (max-width: 860px) {
  .sec-11-insurance__panels {
    grid-template-columns: 1fr;
  }
  .sec-11-insurance__accent {
    display: none;
  }
}

@media (max-width: 480px) {
  .sec-11-insurance__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* --- Free benefits check form (replaces the paperwork panel) --- */
.sec-11-insurance__form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem 1rem;
  margin-bottom: 1.1rem;
}

@media (max-width: 560px) {
  .sec-11-insurance__form-grid { grid-template-columns: 1fr; }
}

.sec-11-insurance__field { display: flex; flex-direction: column; gap: 0.3rem; }
.sec-11-insurance__field--wide { grid-column: 1 / -1; }

.sec-11-insurance__field span {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.78rem;
  letter-spacing: 0.02em;
  color: var(--text-on-bone);
}

.sec-11-insurance__field small {
  font-family: var(--font-body);
  font-weight: 400;
  color: var(--text-on-bone-dim);
}

.sec-11-insurance__field input {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: 1.5px solid var(--line-bone);
  border-radius: 12px;
  background: var(--bone);
  color: var(--text-on-bone);
  font-size: 0.95rem;
  transition: border-color 200ms var(--ease-out), background-color 200ms var(--ease-out);
}

.sec-11-insurance__field input:focus {
  outline: none;
  border-color: var(--accent-strong);
  background: var(--white);
}

.sec-11-insurance__field input.is-invalid { border-color: #d64545; }

.sec-11-insurance__form-error {
  margin-bottom: 0.9rem;
  font-size: 0.85rem;
  color: #b03a3a;
}
.sec-11-insurance__form-error a { color: inherit; font-weight: 600; }

.sec-11-insurance__submit { width: 100%; }

.sec-11-insurance__form-success {
  padding: 1.25rem;
  border-radius: var(--radius-card);
  background: var(--accent-soft);
  border: 1.5px solid var(--accent);
}
.sec-11-insurance__form-success:focus { outline: none; }

.sec-11-insurance__success-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--accent-strong);
  margin-bottom: 0.35rem;
}
.sec-11-insurance__success-text {
  font-size: 0.92rem;
  line-height: 1.55;
  color: var(--text-on-bone);
}