@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

/* ==========================================================================
   RJBCL Premium Calculator — design tokens
   Flat institutional blue, teal accent for the money moment (the summary
   card), soft lavender page background. Numbered badges here genuinely
   describe a 4-step sequence (fill form → get summary), so they carry
   real information rather than decoration.
   ========================================================================== */
:root{
  --blue-900:#1e3a8a;
  --blue-700:#1d4ed8;
  --blue-600:#2563eb;
  --blue-100:#dbeafe;
  --teal-500:#0d9488;
  --ink:#1f2937;
  --ink-soft:#64748b;
  --border:#e3e8f4;
  --bg:#eef2fb;
  --card:#ffffff;
  --error:#dc2626;
  --green:#16a34a;
  --radius:14px;
  --radius-sm:9px;
  --shadow:0 1px 2px #1e3a8a0d, 0 20px 40px -24px #1e3a8a33;
}

[hidden]{display:none!important}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}

body{
  margin:0;
  color:var(--ink);
  font:15px/1.5 'Inter',system-ui,Arial,sans-serif;
  min-height:100vh;
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
}

::selection{background:#2563eb26}
:focus-visible{outline:2px solid var(--blue-600);outline-offset:2px}
.visually-hidden-select{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------------------------------------------------------------------
   Header / letterhead
--------------------------------------------------------------------- */
.nav{background:var(--card);border-bottom:1px solid var(--border)}
.nav__inner{
  max-width:1240px;
  margin:auto;
  display:grid;
  grid-template-columns:minmax(0,auto) minmax(0,1fr) auto;
  align-items:center;
  gap:28px;
  padding:18px 28px 12px;
}
.nav__brand{display:flex;align-items:center;text-decoration:none;min-width:0}
.nav__logo{width:min(390px,32vw);height:auto;flex:none;display:block;object-fit:contain}

.nav__title{min-width:0;border-left:1px solid var(--border);padding-left:28px}
.nav__title h1{margin:0 0 3px;font-size:21px;font-weight:800;color:var(--blue-700)}
.nav__title h1,.nav__title p{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.nav__title p{margin:0;color:var(--ink-soft);font-size:13.5px}

.nav__art{width:210px;flex:none;overflow:hidden}
.nav__art img{display:block;width:100%;height:auto;object-fit:contain;transform:scale(1.3)}

/* ---- Step nav ---- */
.steps{background:var(--card);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.steps ol{
  max-width:1240px;
  margin:auto;
  list-style:none;
  display:flex;
  align-items:center;
  gap:0;
  padding:14px 28px 18px;
}
.steps__item{
  display:flex;
  align-items:center;
  gap:10px;
  color:var(--ink-soft);
  font-size:13.5px;
  font-weight:600;
}
.steps__item:not(:last-child){flex:1;position:relative}
.steps__item:not(:last-child)::after{
  content:"";
  flex:1;
  height:2px;
  background:var(--border);
  margin:0 14px;
}
.steps__circle{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:30px;height:30px;
  border-radius:50%;
  border:2px solid var(--border);
  color:var(--ink-soft);
  font-size:12px;
  font-weight:700;
  flex:none;
  background:#fff;
  transition:background .15s ease,border-color .15s ease,color .15s ease;
}
.steps__label{white-space:nowrap}
.steps__item.is-active{color:var(--blue-700)}
.steps__item.is-active .steps__circle{background:var(--blue-700);border-color:var(--blue-700);color:#fff}
.steps__item.is-done .steps__circle{background:var(--blue-100);border-color:var(--blue-600);color:var(--blue-700)}

@media(max-width:900px){
  .steps__label{display:none}
}

/* ---------------------------------------------------------------------
   Layout
--------------------------------------------------------------------- */
.main{padding:28px 28px 56px}
.layout{
  max-width:1240px;
  margin:auto;
  display:grid;
  grid-template-columns:1.55fr 1fr;
  gap:24px;
  align-items:start;
}

.db-status{grid-column:1/-1;color:var(--error);font-size:12.5px;min-height:0;margin:0 0 4px}
.db-status:empty{display:none}

.form-col{display:flex;flex-direction:column;gap:18px}

/* ---------------------------------------------------------------------
   Panels (Applicant / Coverage / Options)
--------------------------------------------------------------------- */
.panel{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  overflow:hidden;
  margin-bottom: 10px;
}
.panel__head{
  width:100%;
  display:flex;
  align-items:center;
  gap:12px;
  padding:18px 22px;
  background:none;
  border:0;
  cursor:pointer;
  text-align:left;
  font:inherit;
}
.panel__head:focus-visible{outline-offset:-3px}
.panel__badge{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:28px;height:28px;
  border-radius:8px;
  background:var(--blue-700);
  color:#fff;
  font-size:12px;
  font-weight:700;
  flex:none;
}
.panel__title{font-size:16px;font-weight:700;color:var(--ink)}
.panel__chevron{margin-left:auto;color:var(--ink-soft);transition:transform .15s ease}
.panel__head.is-collapsed .panel__chevron{transform:rotate(-90deg)}

.panel__body{
  display:flex;
  flex-direction:column;
  gap:18px;
  padding:0 22px 24px;
}

.field{display:flex;flex-direction:column}
.field label{display:block;margin-bottom:8px;color:var(--ink);font-size:13.5px;font-weight:600}
.field label b{color:var(--error);font-weight:700}

input,select{
  width:100%;
  height:42px;
  border:1px solid var(--border);
  border-radius:var(--radius-sm);
  background:#fbfcfe;
  padding:0 13px;
  color:var(--ink);
  font:14.5px/1 inherit;
  font-variant-numeric:tabular-nums;
  outline:none;
  transition:border-color .15s ease, box-shadow .15s ease, background .15s ease;
}
input::placeholder{color:#a6b0c0}
input:hover,select:hover{border-color:#c3cbd8}
input:focus,select:focus{
  border-color:var(--blue-600);
  background:#fff;
  box-shadow:0 0 0 3px #2563eb1f;
}
input:disabled,select:disabled,input[readonly]{background:#f1f4f9;color:#6b7690}
select{cursor:pointer;appearance:none;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='10' height='6'><path d='M0 0l5 6 5-6z' fill='%2364748b'/></svg>");
  background-repeat:no-repeat;
  background-position:right 13px center;
  padding-right:32px;
}

.field-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}
.field-grid--dob{grid-template-columns:.7fr 1.15fr .55fr}
.field-grid--3{grid-template-columns:1fr 1.35fr .75fr}
.premium-term-field{grid-column:auto}

/* Icon-prefixed inputs (Sum Assured, DOB, Occupation) */
.input-icon{position:relative;display:flex;align-items:center}
.input-icon > i,.input-icon__prefix{
  position:absolute;left:13px;
  color:var(--ink-soft);
  font-size:14px;
  pointer-events:none;
  z-index:1;
}
.input-icon__prefix{font-weight:700;color:var(--blue-700)}
.input-icon input,.input-icon select{padding-left:36px}

/* Segmented pill toggle (BS/AD, Payment Mode) */
.segmented{
  display:flex;
  border:1px solid var(--border);
  border-radius:var(--radius-sm);
  background:#f4f6fb;
  padding:3px;
  gap:2px;
}
.segmented--4{flex-wrap:nowrap}
.segmented__btn{
  flex:1;
  border:0;
  background:transparent;
  color:var(--ink-soft);
  font:600 12.5px/1 inherit;
  padding:10px 8px;
  border-radius:6px;
  cursor:pointer;
  white-space:nowrap;
  transition:background .15s ease,color .15s ease,box-shadow .15s ease;
}
.segmented__btn:hover{color:var(--ink)}
.segmented__btn.is-active{background:var(--blue-700);color:#fff;box-shadow:0 1px 2px #1e3a8a33}

/* Spouse block */
.spouse{border:1px dashed var(--border);border-radius:var(--radius-sm);padding:16px;background:#f8faff;display:flex;flex-direction:column;gap:14px}
.spouse__label{margin:0;display:flex;align-items:center;gap:8px;font-size:13.5px;font-weight:700;color:var(--blue-700)}
.spouse__label span{font-weight:500;color:var(--ink-soft)}

/* Policy term slider + numeric field */
.term-control{display:flex;align-items:center;gap:14px}
.term-control__slider{flex:1;padding-top:2px}
.term-control__slider input[type="range"]{
  -webkit-appearance:none;
  appearance:none;
  width:100%;
  height:6px;
  border-radius:3px;
  background:linear-gradient(to right, var(--blue-700) 0%, var(--blue-700) 40%, var(--border) 40%, var(--border) 100%);
  margin:8px 0 6px;
}
.term-control__slider input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;
  width:18px;height:18px;
  border-radius:50%;
  background:#fff;
  border:3px solid var(--blue-700);
  box-shadow:0 1px 3px #1e3a8a4d;
  cursor:pointer;
}
.term-control__slider input[type="range"]::-moz-range-thumb{
  width:18px;height:18px;
  border-radius:50%;
  background:#fff;
  border:3px solid var(--blue-700);
  cursor:pointer;
}
.term-control__ticks{display:flex;justify-content:space-between;color:var(--ink-soft);font-size:11.5px}
.term-control__value{width:72px;flex:none;text-align:center;font-weight:700;height:44px}

/* Riders */
#rider-container{display:flex;flex-direction:column;gap:10px;margin-top:2px}
.rider-row{
  border:1px solid var(--border);
  border-radius:var(--radius-sm);
  padding:12px 14px;
  background:#fbfcfe;
  transition:border-color .15s ease,background .15s ease;
}
.rider-row:has(input:checked){border-color:#2563eb66;background:#eef4ff}
.rider-checkbox{display:flex;align-items:center;gap:10px;margin:0;font-size:14.5px;font-weight:600;color:var(--ink);cursor:pointer}
.rider-checkbox input{width:18px;height:18px;accent-color:var(--blue-700);cursor:pointer;flex:none}
.rider-checkbox i{color:var(--blue-700)}
.rider-extra{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:12px}
.rider-extra .field{margin:0}
.rider-extra input{height:36px}
.text-muted{color:#98a2b3;font-size:13.5px;margin:0}

.btn-add-rider{
  align-self:flex-start;
  margin-top:12px;
  display:inline-flex;
  align-items:center;
  gap:8px;
  background:#fff;
  border:1px dashed var(--blue-600);
  color:var(--blue-700);
  font:600 13px/1 inherit;
  padding:10px 16px;
  border-radius:var(--radius-sm);
  cursor:pointer;
  transition:background .15s ease;
}
.btn-add-rider:hover{background:#eef4ff}

/* ---------------------------------------------------------------------
   Validation state
--------------------------------------------------------------------- */
.field-error{color:var(--error);font-size:12.5px;margin:6px 0 0}
.field--invalid input,.field--invalid select{border-color:var(--error);background:#fef2f2}
[aria-invalid="true"]{border-color:var(--error)}

/* ---------------------------------------------------------------------
   Submit / errors
--------------------------------------------------------------------- */
.btn-primary{
  width:100%;
  background:var(--blue-700);
  border:0;
  color:#fff;
  border-radius:var(--radius-sm);
  padding:16px 22px;
  font-size:15px;
  font-weight:700;
  letter-spacing:.01em;
  cursor:pointer;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  box-shadow:0 1px 2px #1e3a8a26, 0 14px 26px -10px #1e3a8a59;
  transition:background .15s ease, transform .1s ease, box-shadow .15s ease;
}
.btn-primary__badge{
  position:absolute;
  left:22px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:26px;height:26px;
  border-radius:7px;
  background:#ffffff26;
  font-size:11.5px;
  font-weight:800;
}
.btn-primary{position:relative}
.btn-primary:hover{background:var(--blue-900);box-shadow:0 1px 2px #1e3a8a26, 0 16px 30px -10px #1e3a8a70}
.btn-primary:active{transform:translateY(1px)}
.btn-primary:disabled{background:#a9bbe0;cursor:not-allowed;box-shadow:none}

.form-error{margin:0;color:var(--error);font-size:12.5px;min-height:15px;font-weight:600}

/* ---------------------------------------------------------------------
   Summary column (right)
--------------------------------------------------------------------- */
.summary-col{position:sticky;top:20px}
.result-panel{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  overflow:hidden;
}
.result-panel__head{
  display:flex;
  align-items:center;
  gap:10px;
  background:var(--blue-700);
  color:#fff;
  font-size:15px;
  font-weight:700;
  padding:16px 22px;
}
.result-empty{
  margin:0;
  padding:28px 24px 32px;
  color:var(--ink-soft);
  font-size:14px;
  line-height:1.6;
  text-align:center;
}
#result{padding:20px 20px 24px;display:flex;flex-direction:column;gap:18px}

.hero-card{
  background:linear-gradient(135deg,var(--blue-600) 0%,var(--teal-500) 100%);
  color:#fff;
  border-radius:var(--radius-sm);
  padding:20px 22px;
  box-shadow:0 12px 24px -12px #0d948866;
}
.hero-card__row{display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.hero-card__label{margin:0 0 6px;font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;opacity:.85}
.hero-card__value{font-size:27px;font-weight:800;line-height:1.15;font-variant-numeric:tabular-nums}
.hero-card__pill{
  flex:none;
  background:#ffffff26;
  border:1px solid #ffffff40;
  color:#fff;
  font-size:11.5px;
  font-weight:700;
  padding:5px 12px;
  border-radius:100px;
}
.hero-card__sub{
  margin-top:14px;
  padding-top:14px;
  border-top:1px solid #ffffff30;
  font-size:12px;
  opacity:.85;
  display:flex;
  align-items:center;
  justify-content:space-between;
}
.hero-card__sub strong{font-size:15px;font-weight:700;opacity:1;font-variant-numeric:tabular-nums}

.breakdown{display:flex;flex-direction:column;gap:2px}
.breakdown__row{
  display:flex;
  align-items:center;
  gap:12px;
  padding:11px 2px;
  border-bottom:1px solid #edf0f6;
  font-size:13.5px;
}
.breakdown__icon{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:32px;height:32px;
  border-radius:9px;
  flex:none;
  font-size:14px;
  color:#fff;
}
.breakdown__icon--purple{background:#7c3aed}
.breakdown__icon--orange{background:#f59e0b}
.breakdown__icon--green{background:#16a34a}
.breakdown__icon--blue{background:#2563eb}
.breakdown__icon--purple2{background:#8b5cf6}
.breakdown__icon--orange2{background:#f97316}
.breakdown__icon--teal{background:#0d9488}
.breakdown__label{color:var(--ink-soft);flex:1}
.breakdown__value{font-weight:700;color:var(--blue-700);font-variant-numeric:tabular-nums}
.breakdown__value--positive{color:var(--green)}

.breakdown-total{
  display:flex;
  align-items:center;
  justify-content:space-between;
  background:#eef2ff;
  border-radius:var(--radius-sm);
  padding:14px 16px;
}
.breakdown-total span{color:var(--blue-900);font-weight:700;font-size:14.5px}
.breakdown-total b{font-size:18px;color:var(--blue-700);font-variant-numeric:tabular-nums}

/* ---------------------------------------------------------------------
   Footer
--------------------------------------------------------------------- */
.footer{
  position:relative;
  background:var(--blue-900);
  color:#c7d2fe;
  font-size:12.5px;
  padding:18px 28px;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:16px;
  flex-wrap:wrap;
}
.footer__copyright{text-align:center}
.footer__links{position:absolute;right:28px;display:flex;gap:22px}
.footer__links a{color:#e0e7ff;text-decoration:none;display:inline-flex;align-items:center;gap:6px;font-weight:500}
.footer__links a:hover{color:#fff;text-decoration:underline}

/* ---------------------------------------------------------------------
   Responsive
--------------------------------------------------------------------- */
@media(max-width:1080px){
  .layout{grid-template-columns:1fr}
  .summary-col{position:static}
}

@media(max-width:1100px) and (min-width:821px){
  .nav__inner{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;padding-inline:22px}
  .nav__art{display:none}
  .nav__title{padding-left:18px}
}

@media(max-width:820px){
  .nav__inner{grid-template-columns:1fr;gap:14px}
  .nav__title{border-left:0;padding-left:0}
  .nav__art{display:none}
  .nav__logo{width:min(390px,70vw)}
  .steps ol{padding:12px 16px 16px}
}

@media(max-width:640px){
  .main{padding:18px 14px 40px}
  .layout{gap:16px}
  .nav__inner{padding:16px 14px 14px;gap:12px}
  .nav__logo{width:min(360px,88vw)}
  .nav__title h1{font-size:19px}
  .nav__title p{font-size:12.5px}
  .steps ol{padding:10px 14px 12px;justify-content:space-between}
  .steps__item:not(:last-child)::after{margin:0 8px}
  .panel__head{padding:15px 16px}
  .panel__body{padding:0 16px 20px;gap:14px}
  .field-grid,.field-grid--dob,.field-grid--3,.rider-extra{grid-template-columns:1fr}
  .term-control{flex-direction:column;align-items:stretch}
  .term-control__value{width:100%}
  .footer{flex-direction:column;text-align:center}
  .footer__links{position:static}
}

@media(max-width:380px){
  .hero-card__value{font-size:22px}
}

/* ---------------------------------------------------------------------
   Reduced motion
--------------------------------------------------------------------- */
@media(prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
}