/* ═══════════════════════════════════════════════════════════
   HorseInsurance.ai — Premium Estimator Styles
   Matches main site design system (style.css variables)
   Mobile-first, sticky results panel on desktop
   ═══════════════════════════════════════════════════════════ */

/* ── Inherit site design tokens ── */
:root {
  --primary: #0b3c5d;
  --primary-light: #144e78;
  --secondary: #1d6fa5;
  --accent: #2a8fd4;
  --gold: #b8860b;
  --gold-light: #d4a017;
  --bg: #ffffff;
  --bg-alt: #f4f6f8;
  --bg-warm: #faf9f7;
  --text: #1f2933;
  --text-mid: #4a5568;
  --text-light: #6b7280;
  --border: #e5e7eb;
  --border-light: #f0f1f3;
  --success: #047857;
  --warning: #b45309;
  --danger: #b91c1c;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px rgba(0,0,0,0.07);
  --shadow-lg: 0 10px 15px rgba(0,0,0,0.1);
  --radius: 6px;
  --max-w: 1100px;
  --transition: 0.2s ease;
}

*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
a,button,[onclick] { touch-action:manipulation; }
html { scroll-behavior:smooth; scroll-padding-top:100px; -webkit-text-size-adjust:100%; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
a { color:var(--secondary); text-decoration:none; }
a:hover { color:var(--primary); text-decoration:underline; }
img { max-width:100%; height:auto; display:block; }
.container { max-width:var(--max-w); margin:0 auto; padding:0 16px; }

/* ── FOCUS ── */
:focus-visible { outline:2px solid var(--secondary); outline-offset:2px; border-radius:2px; }
:focus:not(:focus-visible) { outline:none; }

/* ═══════════════════════════════════════
   HEADER — exact match to main site
   ═══════════════════════════════════════ */
.site-header {
  position:sticky; top:0; z-index:100;
  background:rgba(255,255,255,0.97);
  border-bottom:1px solid var(--border);
  backdrop-filter:blur(8px);
  -webkit-backdrop-filter:blur(8px);
}
.header-top {
  display:flex; justify-content:space-between; align-items:center;
  max-width:var(--max-w); margin:0 auto; padding:8px 16px;
}
.site-logo { font-weight:800; font-size:1.05rem; color:var(--primary); letter-spacing:-0.02em; }
.site-logo span { color:var(--secondary); }
.nav-toggle {
  display:flex; align-items:center; justify-content:center;
  background:none; border:none; cursor:pointer;
  padding:8px; min-width:44px; min-height:44px; color:var(--primary);
}
.main-nav {
  display:none; flex-direction:column;
  background:#fff; border-top:1px solid var(--border);
  padding:8px 0;
}
.main-nav.open { display:flex; }
.main-nav a {
  padding:10px 20px; font-size:0.9rem; font-weight:500;
  color:var(--text-mid); border-bottom:1px solid var(--border-light);
}
.main-nav a:hover,.main-nav a.nav-active { color:var(--primary); background:var(--bg-alt); text-decoration:none; }
.main-nav a.nav-active { font-weight:700; border-left:3px solid var(--secondary); }

/* ═══════════════════════════════════════
   HERO
   ═══════════════════════════════════════ */
.est-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 60%, var(--secondary) 100%);
  color:#fff;
  padding:36px 0 32px;
  text-align:center;
}
.est-hero-badge {
  display:inline-block;
  background:rgba(255,255,255,0.15);
  color:#fff;
  font-size:0.7rem;
  font-weight:800;
  letter-spacing:0.12em;
  padding:4px 12px;
  border-radius:20px;
  border:1px solid rgba(255,255,255,0.3);
  margin-bottom:12px;
}
.est-hero h1 {
  font-size:1.65rem;
  font-weight:800;
  line-height:1.2;
  margin-bottom:10px;
  letter-spacing:-0.02em;
}
.est-hero-sub {
  font-size:0.95rem;
  opacity:0.88;
  max-width:520px;
  margin:0 auto;
  line-height:1.5;
}

/* ═══════════════════════════════════════
   MAIN LAYOUT
   ═══════════════════════════════════════ */
.est-main { padding:24px 16px 60px; }

/* Mobile: single column */
.est-layout {
  display:flex;
  flex-direction:column;
  gap:20px;
}

/* ═══════════════════════════════════════
   FORM CARDS
   ═══════════════════════════════════════ */
.est-card {
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow-sm);
  padding:20px;
}
.est-card-header {
  display:flex;
  align-items:center;
  gap:12px;
  margin-bottom:12px;
}
.est-step-num {
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:28px; height:28px;
  background:var(--primary);
  color:#fff;
  border-radius:50%;
  font-size:0.8rem;
  font-weight:800;
  flex-shrink:0;
}
.est-card-header h2 {
  font-size:1.05rem;
  font-weight:700;
  color:var(--primary);
  margin:0;
}
.est-card-intro {
  font-size:0.85rem;
  color:var(--text-light);
  margin-bottom:16px;
  line-height:1.5;
}

/* ── HORSE TABLE ── */
.est-table-wrap { overflow-x:auto; -webkit-overflow-scrolling:touch; margin:0 -4px; }
.est-table {
  width:100%;
  border-collapse:collapse;
  font-size:0.875rem;
  min-width:340px;
}
.est-table th {
  text-align:left;
  padding:8px 6px;
  font-size:0.72rem;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.06em;
  color:var(--text-light);
  border-bottom:2px solid var(--border);
  white-space:nowrap;
}
.est-table td {
  padding:8px 6px;
  border-bottom:1px solid var(--border-light);
  vertical-align:middle;
}
.est-table tr:last-child td { border-bottom:none; }
.est-table input[type="number"] {
  width:100%;
  min-width:70px;
  padding:7px 8px;
  border:1px solid var(--border);
  border-radius:4px;
  font-size:0.875rem;
  color:var(--text);
  background:#fff;
  -moz-appearance:textfield;
  transition:border-color var(--transition), box-shadow var(--transition);
}
.est-table input[type="number"]::-webkit-outer-spin-button,
.est-table input[type="number"]::-webkit-inner-spin-button { -webkit-appearance:none; margin:0; }
.est-table input[type="number"]:focus {
  outline:none;
  border-color:var(--secondary);
  box-shadow:0 0 0 3px rgba(29,111,165,0.12);
}
.est-table tr:hover td { background:var(--bg-alt); }

/* Discipline labels */
.disc-label {
  font-weight:600;
  font-size:0.85rem;
  white-space:nowrap;
}

/* Risk badges */
.risk-badge {
  display:inline-block;
  padding:2px 8px;
  border-radius:12px;
  font-size:0.68rem;
  font-weight:700;
  letter-spacing:0.04em;
  white-space:nowrap;
}
.risk-low { background:#dcfce7; color:#166534; }
.risk-mod { background:#fef3c7; color:#92400e; }
.risk-high { background:#fee2e2; color:#991b1b; }

/* Totals row */
.est-totals-row {
  display:flex;
  gap:20px;
  flex-wrap:wrap;
  margin-top:14px;
  padding-top:12px;
  border-top:1px solid var(--border);
  font-size:0.85rem;
  color:var(--text-mid);
}
.est-totals-row strong { color:var(--primary); }

/* ── FORM FIELDS ── */
.est-field-group {
  margin-bottom:18px;
}
.est-field-group:last-child { margin-bottom:0; }
.est-field-group label {
  display:block;
  font-size:0.85rem;
  font-weight:600;
  color:var(--text);
  margin-bottom:6px;
}
.est-field-group select {
  width:100%;
  padding:9px 12px;
  border:1px solid var(--border);
  border-radius:4px;
  font-size:0.9rem;
  color:var(--text);
  background:#fff;
  cursor:pointer;
  transition:border-color var(--transition), box-shadow var(--transition);
  appearance:none;
  -webkit-appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%234a5568' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 12px center;
  padding-right:36px;
}
.est-field-group select:focus {
  outline:none;
  border-color:var(--secondary);
  box-shadow:0 0 0 3px rgba(29,111,165,0.12);
}
.est-field-hint {
  font-size:0.78rem;
  color:var(--text-light);
  margin-top:5px;
  line-height:1.45;
}

/* ═══════════════════════════════════════
   RESULTS PANEL
   ═══════════════════════════════════════ */
.est-results-panel {
  background:#fff;
  border:2px solid var(--primary);
  border-radius:var(--radius);
  box-shadow:var(--shadow-md);
  overflow:hidden;
}
.est-results-header {
  background:var(--primary);
  color:#fff;
  padding:16px 20px;
}
.est-results-header h2 {
  font-size:1rem;
  font-weight:700;
  margin-bottom:2px;
}
.est-results-header p {
  font-size:0.78rem;
  opacity:0.75;
}

/* Empty state */
.est-empty-state {
  padding:40px 20px;
  text-align:center;
}
.est-empty-icon { font-size:2.5rem; margin-bottom:12px; }
.est-empty-state p { font-size:0.9rem; color:var(--text-light); line-height:1.5; }

/* Results body */
.est-results-body { padding:20px; }

/* Premium display */
.est-premium-display {
  text-align:center;
  padding:20px 0 16px;
  border-bottom:1px solid var(--border);
  margin-bottom:16px;
}
.est-premium-label {
  font-size:0.75rem;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.1em;
  color:var(--text-light);
  margin-bottom:8px;
}
.est-premium-range {
  display:flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  font-size:1.9rem;
  font-weight:800;
  color:var(--primary);
  letter-spacing:-0.03em;
  line-height:1;
  flex-wrap:wrap;
}
.est-premium-dash { color:var(--text-light); font-weight:300; }
.est-premium-monthly {
  font-size:0.82rem;
  color:var(--text-mid);
  margin-top:6px;
}

/* Breakdown table */
.est-breakdown h3 {
  font-size:0.78rem;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:0.08em;
  color:var(--text-light);
  margin-bottom:8px;
}
.est-breakdown-table {
  width:100%;
  border-collapse:collapse;
  font-size:0.85rem;
}
.est-breakdown-table tr td:last-child { text-align:right; font-weight:600; color:var(--primary); }
.est-breakdown-table td {
  padding:6px 0;
  border-bottom:1px solid var(--border-light);
  color:var(--text-mid);
}
.est-breakdown-table tr:last-child td { border-bottom:none; font-weight:700; color:var(--text); }

/* Disclaimer */
.est-disclaimer {
  background:var(--bg-alt);
  border-left:3px solid var(--gold);
  border-radius:0 4px 4px 0;
  padding:10px 12px;
  font-size:0.78rem;
  color:var(--text-mid);
  line-height:1.5;
  margin:16px 0;
}

/* CTA */
.est-cta-block {
  text-align:center;
  padding-top:4px;
}
.est-cta-block > p {
  font-size:0.85rem;
  color:var(--text-mid);
  margin-bottom:10px;
  font-weight:600;
}
.est-btn-primary {
  display:block;
  background:var(--secondary);
  color:#fff;
  padding:11px 16px;
  border-radius:var(--radius);
  font-size:0.875rem;
  font-weight:700;
  text-align:center;
  margin-bottom:8px;
  transition:background var(--transition);
}
.est-btn-primary:hover { background:var(--primary); color:#fff; text-decoration:none; }
.est-btn-secondary {
  display:block;
  background:transparent;
  color:var(--secondary);
  border:1px solid var(--secondary);
  padding:9px 16px;
  border-radius:var(--radius);
  font-size:0.875rem;
  font-weight:600;
  text-align:center;
  transition:all var(--transition);
}
.est-btn-secondary:hover { background:var(--secondary); color:#fff; text-decoration:none; }

/* Mobile sticky bar */
.est-mobile-bar {
  position:fixed;
  bottom:0; left:0; right:0;
  background:var(--primary);
  color:#fff;
  z-index:50;
  border-top:2px solid var(--secondary);
}
.est-mobile-bar-inner {
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:10px 16px;
  max-width:var(--max-w);
  margin:0 auto;
}
.est-mobile-label { font-size:0.78rem; opacity:0.8; }
.est-mobile-range { font-size:1.1rem; font-weight:800; }

/* ═══════════════════════════════════════
   EDUCATION SECTION
   ═══════════════════════════════════════ */
.est-edu {
  margin-top:48px;
  padding-top:32px;
  border-top:2px solid var(--border);
}
.est-edu > h2 {
  font-size:1.2rem;
  font-weight:800;
  color:var(--primary);
  margin-bottom:20px;
  text-align:center;
}
.est-edu-grid {
  display:grid;
  grid-template-columns:1fr;
  gap:16px;
}
.est-edu-card {
  background:var(--bg-alt);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:16px;
}
.est-edu-icon { font-size:1.5rem; margin-bottom:8px; }
.est-edu-card h3 {
  font-size:0.9rem;
  font-weight:700;
  color:var(--primary);
  margin-bottom:6px;
}
.est-edu-card p {
  font-size:0.83rem;
  color:var(--text-mid);
  line-height:1.55;
}

/* ═══════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════ */
.site-footer {
  background:var(--primary);
  color:rgba(255,255,255,0.75);
  padding:24px 0;
  font-size:0.8rem;
  line-height:1.6;
  text-align:center;
  margin-top:40px;
}
.site-footer a { color:rgba(255,255,255,0.85); }
.site-footer a:hover { color:#fff; }

/* ═══════════════════════════════════════
   DESKTOP — 768px+
   ═══════════════════════════════════════ */
@media(min-width:768px) {

  .est-hero { padding:48px 0 44px; }
  .est-hero h1 { font-size:2.1rem; }
  .est-hero-sub { font-size:1.05rem; }

  .est-main { padding:32px 0 80px; }

  .est-layout {
    flex-direction:row;
    align-items:flex-start;
    gap:28px;
  }

  .est-form-col {
    flex:1 1 0;
    min-width:0;
    display:flex;
    flex-direction:column;
    gap:20px;
  }

  .est-results-col {
    width:320px;
    flex-shrink:0;
    position:sticky;
    top:80px;
    align-self:flex-start;
  }

  /* Hide mobile bar on desktop */
  .est-mobile-bar { display:none !important; }

  /* Nav: horizontal on desktop */
  .nav-toggle { display:none; }
  .main-nav {
    display:flex !important;
    flex-direction:row;
    background:transparent;
    border-top:none;
    padding:0;
    gap:0;
    border-top:1px solid var(--border);
    max-width:var(--max-w);
    margin:0 auto;
  }
  .main-nav a {
    padding:10px 16px;
    font-size:0.82rem;
    border-bottom:none;
    border-left:none !important;
    border-right:1px solid var(--border-light);
  }
  .main-nav a:first-child { border-left:1px solid var(--border-light) !important; }
  .main-nav a.nav-active { border-bottom:2px solid var(--secondary); font-weight:700; }

  .est-edu-grid { grid-template-columns:1fr 1fr; }
}

@media(min-width:1024px) {
  .est-results-col { width:360px; }
  .est-premium-range { font-size:2.2rem; }
  .est-edu-grid { grid-template-columns:repeat(4,1fr); }
}

/* ── Animate results in ── */
@keyframes fadeSlideIn {
  from { opacity:0; transform:translateY(8px); }
  to   { opacity:1; transform:translateY(0); }
}
.est-results-body { animation:fadeSlideIn 0.25s ease; }

/* Results panel scroll guard on very small screens */
@media(max-height: 600px) and (max-width: 767px) {
  .est-results-panel {
    max-height: 80vh;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }
}

/* edu-grid: 2-col on medium, 3-col on large */
@media(min-width:768px) and (max-width:1023px) {
  .est-edu-grid { grid-template-columns: 1fr 1fr 1fr; }
}

/* ═══════════════════════════════════════
   DISCOUNTS SECTION
   ═══════════════════════════════════════ */
.est-discount-grid {
  display:flex;
  flex-direction:column;
  gap:10px;
}
.est-discount-item {
  display:flex;
  align-items:flex-start;
  gap:12px;
  padding:12px;
  border:1px solid var(--border);
  border-radius:var(--radius);
  cursor:pointer;
  transition:background var(--transition), border-color var(--transition);
}
.est-discount-item:hover { background:var(--bg-alt); }
.est-discount-item input[type="checkbox"] {
  width:18px; height:18px;
  margin-top:2px;
  flex-shrink:0;
  accent-color:var(--secondary);
  cursor:pointer;
}
.est-discount-item.is-checked {
  background:#f0f9ff;
  border-color:var(--secondary);
}
.est-discount-body {
  display:flex;
  flex-direction:column;
  gap:3px;
  min-width:0;
}
.est-discount-name {
  font-size:0.875rem;
  font-weight:600;
  color:var(--text);
  line-height:1.3;
}
.est-discount-pct {
  font-size:0.78rem;
  font-weight:700;
  color:var(--success);
  letter-spacing:0.02em;
}
.est-discount-desc {
  font-size:0.76rem;
  color:var(--text-light);
  line-height:1.45;
}
.est-discount-total-row {
  margin-top:14px;
  padding-top:12px;
  border-top:1px solid var(--border);
  font-size:0.85rem;
  color:var(--text-mid);
  text-align:right;
}
.est-discount-total-row strong {
  color:var(--success);
  font-size:1rem;
}