/*
Theme Name: Health Insurance Guide
Theme URI: https://example.com/
Author: Health Insurance Guide
Description: Modern, responsive, tool-based Health Insurance information WordPress theme.
Version: 1.0.0
Requires at least: 6.0
Requires PHP: 7.4
License: GPL v2 or later
Text Domain: health-insurance-guide
*/

:root{--primary:#087f8c;--primary-dark:#05616b;--secondary:#168aad;--accent:#48cae4;--bg:#f4fbfc;--surface:#fff;--surface-2:#eaf7f8;--text:#17323a;--muted:#61777e;--border:#d7e8eb;--success:#15803d;--danger:#b91c1c;--shadow:0 12px 35px rgba(11,67,78,.09);--radius:18px;--max-width:1180px}
html.dark{--bg:#0d1b20;--surface:#13272d;--surface-2:#18343b;--text:#e7f6f8;--muted:#a9c2c7;--border:#29464d;--shadow:0 12px 35px rgba(0,0,0,.28)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}body{margin:0;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans Devanagari",Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}button,input,select{font:inherit}a{color:inherit;text-decoration:none}ul{list-style:none;margin:0;padding:0}section{padding:80px 20px}.container{width:min(100%,var(--max-width));margin:auto}.section-heading{text-align:center;max-width:760px;margin:0 auto 45px}.section-heading .eyebrow{color:var(--primary);font-size:.84rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:8px}.section-heading h2{font-size:clamp(1.8rem,4vw,2.65rem);line-height:1.2;margin:0 0 12px}.section-heading p{color:var(--muted)}
.navbar{position:sticky;top:0;z-index:1000;background:color-mix(in srgb,var(--surface) 92%,transparent);backdrop-filter:blur(14px);border-bottom:1px solid var(--border)}.nav-inner{min-height:70px;width:min(100%,var(--max-width));margin:auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;gap:15px}.logo{display:flex;align-items:center;gap:10px;font-weight:900;color:var(--primary);white-space:nowrap}.logo-mark{width:39px;height:39px;display:grid;place-items:center;border-radius:12px;color:#fff;background:linear-gradient(135deg,var(--primary),var(--secondary));box-shadow:0 7px 18px rgba(8,127,140,.25)}.nav-links{display:flex;align-items:center;gap:5px}.nav-links a{padding:9px 10px;border-radius:10px;color:var(--muted);font-size:.9rem;font-weight:650}.nav-links a:hover{color:var(--primary);background:var(--surface-2)}.nav-actions{display:flex;align-items:center;gap:7px}.icon-btn,.hamburger{width:40px;height:40px;border:1px solid var(--border);border-radius:11px;background:var(--surface);color:var(--text);cursor:pointer;display:grid;place-items:center}.hamburger{display:none;font-size:1.25rem}
.hero{padding:95px 20px 85px;background:radial-gradient(circle at 10% 20%,rgba(72,202,228,.16),transparent 30%),radial-gradient(circle at 90% 10%,rgba(8,127,140,.13),transparent 28%),var(--bg)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:50px}.hero-badge{display:inline-flex;background:var(--surface-2);border:1px solid var(--border);color:var(--primary);padding:7px 12px;border-radius:999px;font-size:.82rem;font-weight:800;margin-bottom:18px}.hero h1{font-size:clamp(2.25rem,5.4vw,4.4rem);line-height:1.08;letter-spacing:-.04em;margin:0 0 20px}.hero h1 span{color:var(--primary)}.hero p{color:var(--muted);font-size:1.06rem;max-width:650px;margin-bottom:28px}.hero-buttons{display:flex;flex-wrap:wrap;gap:12px}.btn{border:0;border-radius:12px;padding:12px 18px;cursor:pointer;font-weight:800;transition:.2s;display:inline-flex;align-items:center;justify-content:center;gap:7px}.btn:hover{transform:translateY(-2px)}.btn-primary{background:linear-gradient(135deg,var(--primary),var(--secondary));color:#fff;box-shadow:0 10px 24px rgba(8,127,140,.22)}.btn-secondary{background:var(--surface);color:var(--primary);border:1px solid var(--border)}.hero-card,.card,.plan-card,.tool-card,.tax-info,.tax-note,.timeline-column,.docs,.tips-card,.contact-wrap{background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow)}.hero-card{border-radius:28px;padding:28px}.hero-stat{display:flex;gap:13px;padding:14px 0;border-bottom:1px solid var(--border)}.hero-stat:last-child{border:0}.stat-icon,.card-icon,.tool-title-icon{display:grid;place-items:center;background:var(--surface-2)}.stat-icon{flex:0 0 40px;height:40px;border-radius:12px}.hero-stat strong{display:block}.hero-stat small{color:var(--muted)}
.cards-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.card{border-radius:var(--radius);padding:21px;transition:.2s}.card:hover{transform:translateY(-3px)}.card-icon{width:42px;height:42px;border-radius:12px;margin-bottom:14px}.card h3{font-size:1rem;margin:0 0 7px}.card p{color:var(--muted);font-size:.9rem;margin:0}.terms-grid{grid-template-columns:repeat(5,1fr)}
.plans-section,.tax-section{background:var(--surface-2)}.plans-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.plan-card{border-radius:var(--radius);padding:24px}.plan-card h3{margin:0 0 8px}.plan-card p{color:var(--muted);font-size:.92rem}.plan-card .suits{margin-top:15px;padding-top:13px;border-top:1px solid var(--border);color:var(--primary);font-size:.86rem;font-weight:700}
.tools-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.tool-card{border-radius:20px;padding:24px}.tool-card.full{grid-column:1/-1}.tool-title{display:flex;align-items:flex-start;gap:12px;margin-bottom:20px}.tool-title-icon{width:44px;height:44px;flex:0 0 44px;border-radius:13px}.tool-title h3{margin:0 0 2px}.tool-title p{color:var(--muted);font-size:.84rem;margin:0}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.form-grid.three{grid-template-columns:repeat(3,1fr)}.field{display:flex;flex-direction:column;gap:6px}.field label{font-size:.84rem;font-weight:750}.field input,.field select{width:100%;padding:11px 12px;border:1px solid var(--border);border-radius:11px;background:var(--surface);color:var(--text);outline:none}.field input:focus,.field select:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(8,127,140,.11)}.tool-actions{margin-top:17px;display:flex;gap:9px;flex-wrap:wrap}.result{margin-top:18px;background:var(--surface-2);border:1px solid var(--border);border-radius:14px;padding:16px;min-height:60px}.result strong{color:var(--primary)}.result-main{font-size:1.45rem;font-weight:900;color:var(--primary)}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:12px}.result-stat{padding:11px;background:var(--surface);border-radius:11px;border:1px solid var(--border)}.result-stat small{display:block;color:var(--muted);font-size:.75rem}.result-stat strong{font-size:.95rem}.formula,.small{color:var(--muted);font-size:.78rem}.comparison-wrap{overflow-x:auto;margin-top:18px}.comparison-table{width:100%;min-width:720px;border-collapse:collapse;background:var(--surface)}.comparison-table th,.comparison-table td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:.86rem}.comparison-table th{background:var(--surface-2)}.comparison-table tr:last-child td{border:0}
.tax-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:24px}.tax-info,.tax-note,.timeline-column,.docs,.tips-card,.contact-wrap{border-radius:20px;padding:25px}.tax-info ul{display:grid;gap:11px;margin-top:15px}.tax-info li{color:var(--muted);font-size:.92rem;padding-left:24px;position:relative}.tax-info li:before{content:"✓";position:absolute;left:0;color:var(--success);font-weight:900}.notice{padding:13px 15px;border-left:4px solid var(--primary);background:var(--surface-2);color:var(--muted);border-radius:9px;font-size:.84rem;margin-top:16px}
.timeline{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.timeline-column h3{margin:0 0 20px;color:var(--primary)}.timeline-list{position:relative;display:grid;gap:17px}.timeline-list:before{content:"";position:absolute;left:16px;top:10px;bottom:10px;width:2px;background:var(--border)}.timeline-item{position:relative;display:grid;grid-template-columns:34px 1fr;gap:10px}.timeline-number{width:33px;height:33px;border-radius:50%;display:grid;place-items:center;background:var(--primary);color:#fff;font-weight:900;z-index:1}.timeline-item h4{margin:0 0 2px}.timeline-item p{color:var(--muted);font-size:.84rem;margin:0}.docs{margin-top:24px}.docs ul{margin-top:15px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.docs li{padding:11px;border:1px solid var(--border);border-radius:10px;color:var(--muted);font-size:.86rem}
.tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.tips-card h3{margin:0 0 15px}.tips-card.do h3{color:var(--success)}.tips-card.dont h3{color:var(--danger)}.tips-card li{position:relative;padding:9px 0 9px 27px;border-bottom:1px solid var(--border);color:var(--muted);font-size:.9rem}.tips-card li:before{position:absolute;left:0;font-weight:900}.tips-card.do li:before{content:"✓";color:var(--success)}.tips-card.dont li:before{content:"×";color:var(--danger)}
.faq{max-width:900px;margin:auto;display:grid;gap:10px}.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:13px;overflow:hidden}.faq-question{width:100%;padding:17px 18px;border:0;background:transparent;color:var(--text);text-align:left;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:15px;font-weight:800}.faq-question span:last-child{font-size:1.2rem;color:var(--primary)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s}.faq-answer p{padding:0 18px 18px;color:var(--muted);font-size:.9rem;margin:0}.faq-item.open .faq-question span:last-child{transform:rotate(45deg)}
.success{display:none;padding:14px;background:rgba(21,128,61,.1);border:1px solid rgba(21,128,61,.25);color:var(--success);border-radius:10px;margin-top:15px;font-weight:700}.disclaimer{padding:18px 20px;background:#fff8e8;color:#6b4a12;border-top:1px solid #efdca8;border-bottom:1px solid #efdca8;font-size:.83rem}.footer-grid{width:min(100%,var(--max-width));margin:auto;display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:35px}.footer-bottom{width:min(100%,var(--max-width));margin:35px auto 0;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);color:#8eafb5;font-size:.78rem}footer{padding:50px 20px 25px;background:#09252b;color:#d7eef1}footer h3,footer h4{margin:0 0 13px;color:#fff}footer p,footer li{color:#a9c7cc;font-size:.86rem}footer ul{display:grid;gap:7px}footer a:hover{color:#fff}
#backTop{position:fixed;right:18px;bottom:18px;width:45px;height:45px;border:0;border-radius:50%;background:var(--primary);color:#fff;cursor:pointer;box-shadow:0 10px 25px rgba(0,0,0,.18);opacity:0;visibility:hidden;transform:translateY(12px);transition:.25s;z-index:900}#backTop.show{opacity:1;visibility:visible;transform:translateY(0)}.reveal{opacity:0;transform:translateY(25px);transition:opacity .65s,transform .65s}.reveal.visible{opacity:1;transform:translateY(0)}
@media(max-width:1050px){.nav-links a{padding-inline:7px;font-size:.82rem}.cards-grid{grid-template-columns:repeat(3,1fr)}.terms-grid{grid-template-columns:repeat(4,1fr)}}@media(max-width:850px){.hamburger{display:grid}.nav-links{position:absolute;left:12px;right:12px;top:68px;display:none;flex-direction:column;align-items:stretch;padding:10px;background:var(--surface);border:1px solid var(--border);border-radius:15px;box-shadow:var(--shadow)}.nav-links.open{display:flex}.nav-links a{padding:11px 13px}.hero-grid,.tax-grid{grid-template-columns:1fr}.cards-grid,.terms-grid{grid-template-columns:repeat(2,1fr)}.tools-grid{grid-template-columns:1fr}.tool-card.full{grid-column:auto}.timeline{grid-template-columns:1fr}.docs ul{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){section{padding:60px 15px}.hero{padding:65px 15px}.hero h1{font-size:2.25rem}.hero-buttons .btn{width:100%}.cards-grid,.terms-grid,.plans-grid,.tips-grid,.footer-grid{grid-template-columns:1fr}.form-grid,.form-grid.three{grid-template-columns:1fr}.result-grid{grid-template-columns:1fr}.docs ul{grid-template-columns:1fr}.tool-card,.contact-wrap{padding:18px}.logo-text{display:none}.nav-inner{padding-inline:13px}.nav-actions{margin-left:auto}}