/* Life insurance cost hub — Choice Mutual–style rates page */

.lic-page {
  --lic-navy: #0b3a7a;
  --lic-blue: #0d47a1;
  --lic-ink: #1f2937;
  --lic-muted: #475569;
  --lic-soft: #e8f1fc;
  --lic-gold: #f5a623;
  color: var(--lic-ink);
  background: #f7fafc;
}

.lic-hero {
  position: relative;
  overflow: hidden;
  background: var(--lic-navy);
  color: #fff;
  padding: 2.5rem 0 3rem;
  isolation: isolate;
}

.lic-hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}

.lic-hero-media picture,
.lic-hero-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
}

.lic-hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    90deg,
    #0b3a7a 0%,
    #0b3a7a 28%,
    rgba(11, 58, 122, 0.88) 48%,
    rgba(13, 71, 161, 0.45) 68%,
    transparent 90%
  );
}

.lic-hero .container {
  position: relative;
  z-index: 1;
  max-width: 1100px;
}

.lic-hero-copy {
  max-width: min(38rem, 62%);
}

@media (max-width: 768px) {
  .lic-hero-copy {
    max-width: 100%;
  }
  .lic-hero-media {
    opacity: 0.5;
  }
}

.lic-breadcrumb {
  margin: 0 0 0.85rem;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  opacity: 0.9;
}

.lic-breadcrumb a {
  color: rgba(255, 255, 255, 0.92);
  text-decoration: none;
}

.lic-hero h1 {
  margin: 0 0 1rem;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.85rem, 3.2vw, 2.65rem);
  font-weight: 700;
  line-height: 1.15;
}

.lic-hero-lead {
  margin: 0;
  font-size: 1.05rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.94);
}

.lic-layout {
  position: relative;
  z-index: 2;
  max-width: 1080px;
  margin: -3.25rem auto 0;
  padding: 0 1rem 3.5rem;
  display: block;
}

@media (max-width: 991px) {
  .lic-layout {
    margin-top: -2rem;
  }
}

.lic-main {
  width: 100%;
  max-width: none;
}

.lic-takeaways {
  position: relative;
  z-index: 2;
  background: #fff;
  border-top: 4px solid var(--lic-blue);
  border-radius: 0.35rem;
  box-shadow: 0 10px 28px rgba(15, 23, 42, 0.08);
  padding: 1.15rem 1.25rem 1.25rem;
  margin-bottom: 1.5rem;
}

.lic-takeaways h2 {
  margin: 0 0 0.75rem;
  color: var(--lic-navy);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.lic-takeaways ul {
  margin: 0;
  padding-left: 1.15rem;
}

.lic-takeaways li {
  margin: 0 0 0.45rem;
  color: var(--lic-muted);
  line-height: 1.45;
}

.lic-section {
  background: #fff;
  border-radius: 0.35rem;
  box-shadow: 0 6px 20px rgba(15, 23, 42, 0.05);
  padding: 1.35rem 1.25rem 1.5rem;
  margin-bottom: 1.25rem;
}

.lic-section h2 {
  margin: 0 0 0.55rem;
  color: #111827;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.35rem, 2vw, 1.7rem);
  font-weight: 700;
}

.lic-section > p {
  margin: 0 0 1rem;
  color: var(--lic-muted);
  line-height: 1.5;
}

.lic-face-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  margin: 0 0 0.85rem;
}

.lic-face-tab {
  border: none;
  border-radius: 0.35rem 0.35rem 0 0;
  background: #f3ebe0;
  color: #1a365d;
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0.55rem 0.9rem;
  cursor: pointer;
}

.lic-face-tab.is-active {
  background: var(--lic-gold);
  color: #1a202c;
}

.lic-face-tab:focus-visible {
  outline: 3px solid #63b3ed;
  outline-offset: 2px;
}

.lic-rate-wrap {
  max-width: 28rem;
  overflow-x: auto;
  border-radius: 0 0.35rem 0.35rem 0.35rem;
  -webkit-overflow-scrolling: touch;
}

.lic-rate-table {
  width: 100%;
  max-width: 28rem;
  min-width: 0;
  border-collapse: collapse;
  margin: 0;
  font-size: 0.875rem;
  line-height: 1.25;
}

.lic-rate-table th,
.lic-rate-table td {
  padding: 0.28rem 0.65rem;
  text-align: left;
  border-bottom: 1px solid #e5e7eb;
}

.lic-rate-table thead th {
  background: #0b3a7a;
  color: #fff;
  font-weight: 700;
  font-size: 0.8rem;
  padding: 0.35rem 0.65rem;
}

/* Edad left · Mujer center · Hombre right */
.lic-rate-table th:nth-child(2),
.lic-rate-table td:nth-child(2) {
  text-align: center;
}

.lic-rate-table th:nth-child(3),
.lic-rate-table td:nth-child(3) {
  text-align: right;
}

.lic-rate-table th:nth-child(n + 4),
.lic-rate-table td:nth-child(n + 4) {
  text-align: right;
}

.lic-rate-table tbody tr:nth-child(even) td {
  background: #f8fafc;
}

.lic-rate-note {
  margin: 0.65rem 0 0;
  color: #64748b;
  font-size: 0.78rem;
  line-height: 1.4;
}

.lic-quote-cell {
  text-align: center;
  font-size: 0.92rem;
}

.lic-quote-inline {
  color: #0b3a7a;
  font-weight: 700;
  text-decoration: none;
}

.lic-quote-inline:hover {
  text-decoration: underline;
}

.lic-panel[hidden] {
  display: none !important;
}

.lic-sidebar {
  position: sticky;
  top: 6.5rem;
}

.lic-quote-wrap {
  background: #fff;
  border-radius: 0.45rem;
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.12);
  overflow: hidden;
}

.lic-quote-card {
  position: relative;
  background: #1e293b;
  color: #fff;
  border-radius: 0;
  padding: 1.15rem 1.15rem 1.35rem;
  box-shadow: none;
}

.lic-quote-card::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: -10px;
  width: 0;
  height: 0;
  border-left: 12px solid transparent;
  border-right: 12px solid transparent;
  border-top: 10px solid #1e293b;
  transform: translateX(-50%);
}

.lic-quote-card h2 {
  margin: 0 0 0.75rem;
  font-size: 1.15rem;
  font-weight: 800;
  line-height: 1.25;
}

.lic-quote-card ul {
  margin: 0;
  padding-left: 1.1rem;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.92rem;
  line-height: 1.45;
}

.lic-quote-form {
  padding: 1.35rem 1.1rem 1.15rem;
  background: #fff;
}

.lic-quote-progress {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin: 0 0 1rem;
}

.lic-quote-progress-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.28rem 0.7rem;
  border-radius: 999px;
  background: #0b3a7a;
  color: #fff;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.lic-quote-progress-bar {
  flex: 1;
  height: 6px;
  border-radius: 999px;
  background: #c5d4e8;
  overflow: hidden;
}

.lic-quote-progress-bar > span {
  display: block;
  width: 18%;
  height: 100%;
  background: #0b3a7a;
}

.lic-quote-form h3 {
  margin: 0 0 0.85rem;
  color: #1a202c;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.2rem;
  font-weight: 700;
  text-align: center;
}

.lic-gender-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.55rem;
}

.lic-gender-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 3rem;
  padding: 0.65rem 0.5rem;
  border: 2px solid #0b3a7a;
  border-radius: 0.4rem;
  background: #fff;
  color: #0b3a7a;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
}

.lic-gender-btn:hover,
.lic-gender-btn:focus-visible {
  background: #e8f1fc;
  color: #0b3a7a;
  outline: none;
}

.lic-carriers {
  margin: 0.85rem 1.1rem 1.1rem;
  padding-top: 0.85rem;
  border-top: 1px solid #e5e7eb;
  color: #64748b;
  font-size: 0.78rem;
  line-height: 1.4;
}

.lic-carrier-logos {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.65rem 0.85rem;
  margin: 0 1.1rem 0.55rem;
}

.lic-carrier-logos img {
  display: block;
  height: 22px;
  width: auto;
  max-width: 88px;
  object-fit: contain;
  filter: grayscale(1);
  opacity: 0.85;
}

.lic-fe-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.5rem 1rem;
}

@media (max-width: 576px) {
  .lic-fe-grid {
    grid-template-columns: 1fr;
  }
}

.lic-fe-grid a {
  color: var(--lic-blue);
  font-weight: 650;
  text-decoration: none;
}

.lic-fe-grid a:hover {
  text-decoration: underline;
}

.lic-rate-table--faces th,
.lic-rate-table--faces td {
  text-align: center;
}

.lic-rate-table--faces th:first-child,
.lic-rate-table--faces td:first-child {
  text-align: left;
}

.lic-guide > p {
  margin: 0 0 0.85rem;
}

.lic-callout {
  margin: 0 0 1rem;
  padding: 0.85rem 1rem;
  background: #e8f1fc;
  border-left: 4px solid #0b3a7a;
  border-radius: 0.35rem;
}

.lic-callout strong {
  display: block;
  margin-bottom: 0.35rem;
  color: #0b3a7a;
  font-size: 0.95rem;
}

.lic-callout p {
  margin: 0;
  color: #334155;
  font-size: 0.92rem;
  line-height: 1.45;
}

.lic-factor-list {
  margin: 0;
  padding-left: 1.15rem;
  color: #334155;
  font-size: 0.95rem;
  line-height: 1.55;
}

.lic-factor-list li {
  margin-bottom: 0.55rem;
}

.lic-factor-list a,
.lic-guide a {
  color: var(--lic-blue);
  font-weight: 650;
  text-decoration: none;
}

.lic-factor-list a:hover,
.lic-guide a:hover {
  text-decoration: underline;
}

.lic-faq details {
  margin: 0;
  padding: 0.95rem 0;
  border-bottom: 1px solid #dbe5ef;
}

.lic-faq summary {
  list-style: none;
  cursor: pointer;
  color: #0b3a7a;
  font-weight: 700;
  font-size: 1.02rem;
  padding-left: 1.6rem;
  position: relative;
}

.lic-faq summary::-webkit-details-marker {
  display: none;
}

.lic-faq summary::before {
  content: "+";
  position: absolute;
  left: 0;
  top: 0;
  color: #0b3a7a;
  font-size: 1.25rem;
  font-weight: 700;
  line-height: 1;
}

.lic-faq details[open] summary::before {
  content: "−";
}

.lic-faq details p {
  margin: 0.7rem 0 0.15rem 1.6rem;
  color: #475569;
  line-height: 1.6;
}

.lic-meta-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  margin: 0 0 1rem;
  border-bottom: 1px solid #e2e8f0;
  padding-bottom: 0.35rem;
}

.lic-meta-tab {
  border: none;
  background: transparent;
  color: #64748b;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 0.45rem 0.75rem;
  cursor: pointer;
  border-radius: 0.35rem 0.35rem 0 0;
}

.lic-meta-tab.is-active {
  color: #0b3a7a;
  background: #e8f1fc;
}

.lic-meta-tab:focus-visible {
  outline: 3px solid #63b3ed;
  outline-offset: 2px;
}

.lic-meta-panel p,
.lic-sources,
.lic-updates {
  margin: 0 0 0.75rem;
  color: #334155;
  font-size: 0.95rem;
  line-height: 1.55;
}

.lic-sources,
.lic-updates {
  padding-left: 1.2rem;
}

.lic-sources li,
.lic-updates li {
  margin-bottom: 0.45rem;
}

.lic-meta-panel a {
  color: var(--lic-blue);
  font-weight: 650;
  text-decoration: none;
}

.lic-meta-panel a:hover {
  text-decoration: underline;
}

.lic-helpful {
  margin-top: 1.25rem;
  padding: 0.9rem 1rem;
  background: #e8f1fc;
  border-radius: 0.4rem;
}

.lic-helpful p {
  margin: 0;
  color: #0b3a7a;
  font-size: 0.95rem;
}

.lic-helpful a {
  color: #0b3a7a;
  font-weight: 700;
}