/* =====================================================
   travel.css — Travel Insurance Page Styles
   Class prefix: ti- (Travel Insurance)
   Accent color: Sky blue (#0288d1) for travel feel
   CTA buttons: Brand green (#2e7d32) for consistency
   ===================================================== */

/* ----- Design Tokens ----- */
:root {
  --ti-green:      #2e7d32;
  --ti-green-dark: #1b5e20;
  --ti-green-mid:  #66bb6a;
  --ti-green-pale: #e8f5e9;
  --ti-sky:        #0288d1;
  --ti-sky-dark:   #01579b;
  --ti-sky-mid:    #4fc3f7;
  --ti-sky-pale:   #e1f5fe;
  --ti-sky-ice:    #f0f9ff;
  --ti-red:        #e53935;
  --ti-red-pale:   #fff5f5;
  --ti-charcoal:   #1a1a1a;
  --ti-body:       #444;
  --ti-muted:      #7a7a7a;
  --ti-white:      #ffffff;
  --ti-shadow-sm:  0 2px 12px rgba(2,136,209,.10);
  --ti-shadow-md:  0 6px 28px rgba(2,136,209,.16);
  --ti-shadow-lg:  0 12px 44px rgba(2,136,209,.20);
  --ti-shadow-g:   0 6px 24px rgba(46,125,50,.18);
  --ti-radius:     16px;
  --ti-radius-sm:  10px;
  --ti-transition: .28s ease;
}

/* =====================================================
   SHARED LAYOUT UTILITIES
   ===================================================== */
.ti-container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

.ti-section-header {
  text-align: center;
  margin-bottom: 56px;
}
.ti-section-label {
  display: inline-block;
  background: var(--ti-sky-pale);
  color: var(--ti-sky);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 5px 16px;
  border-radius: 50px;
  margin-bottom: 14px;
}
.ti-section-title {
  font-size: clamp(1.6rem, 4vw, 2.35rem);
  font-weight: 800;
  color: var(--ti-charcoal);
  line-height: 1.2;
  margin: 0 0 16px;
}
.ti-section-desc {
  font-size: 1.06rem;
  color: var(--ti-body);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.7;
}

/* Shared pill buttons */
.ti-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .97rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  border-radius: 50px;
  padding: 14px 30px;
  text-decoration: none;
  transition: transform var(--ti-transition), box-shadow var(--ti-transition), background var(--ti-transition);
  white-space: nowrap;
}
.ti-btn--primary {
  background: var(--ti-green);
  color: var(--ti-white);
  box-shadow: 0 4px 18px rgba(46,125,50,.30);
}
.ti-btn--primary:hover {
  background: var(--ti-green-dark);
  transform: scale(1.04);
  box-shadow: 0 8px 28px rgba(46,125,50,.38);
}
.ti-btn--ghost {
  background: transparent;
  color: var(--ti-green);
  border: 2px solid var(--ti-green);
}
.ti-btn--ghost:hover {
  background: var(--ti-green-pale);
  transform: scale(1.04);
}

/* =====================================================
   1. HERO
   ===================================================== */
.ti-hero {
  background: linear-gradient(135deg, var(--ti-sky-ice) 0%, var(--ti-white) 55%, #f9fff9 100%);
  padding: 120px 0 80px;
  overflow: hidden;
  position: relative;
}
.ti-hero::before {
  content: "";
  position: absolute;
  top: -80px;
  right: -80px;
  width: 440px;
  height: 440px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(2,136,209,.10) 0%, transparent 70%);
  pointer-events: none;
}
.ti-hero__container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
}
.ti-hero__tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--ti-sky-pale);
  color: var(--ti-sky);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.ti-hero__title {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 900;
  color: var(--ti-charcoal);
  line-height: 1.15;
  margin: 0 0 18px;
}
.ti-hero__highlight {
  color: var(--ti-sky);
}
.ti-hero__description {
  font-size: 1.1rem;
  color: var(--ti-body);
  line-height: 1.75;
  margin: 0 0 28px;
  max-width: 480px;
}
.ti-hero__bullets {
  list-style: none;
  margin: 0 0 36px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.ti-hero__bullet {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .97rem;
  color: var(--ti-charcoal);
  font-weight: 500;
}
.ti-hero__bullet-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--ti-sky-pale);
  color: var(--ti-sky);
  flex-shrink: 0;
}
.ti-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

/* Hero illustration */
.ti-hero__right {
  display: flex;
  justify-content: center;
  align-items: center;
}
.ti-hero__illus {
  position: relative;
  width: 100%;
  max-width: 420px;
}
.ti-illus__main {
  width: 100%;
  filter: drop-shadow(0 12px 32px rgba(2,136,209,.14));
}
.ti-illus__main svg {
  width: 100%;
  height: auto;
  display: block;
}
.ti-illus__badge {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 6px;
  background: var(--ti-white);
  color: var(--ti-charcoal);
  font-size: .78rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: 50px;
  box-shadow: var(--ti-shadow-md);
  white-space: nowrap;
}
.ti-illus__badge svg { flex-shrink: 0; }
.ti-illus__badge--1 { top: 8%; left: -4%; }
.ti-illus__badge--2 { top: 42%; right: -8%; }
.ti-illus__badge--3 { bottom: 12%; left: 4%; }

/* =====================================================
   2. PLANS
   ===================================================== */
.ti-plans {
  padding: 96px 0;
  background: var(--ti-white);
}
.ti-plans__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

/* Plan card */
.ti-plan-card {
  position: relative;
  background: var(--ti-white);
  border-radius: var(--ti-radius);
  border: 1px solid #d8edf7;
  padding: 32px 28px 28px;
  box-shadow: var(--ti-shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform var(--ti-transition), box-shadow var(--ti-transition);
  overflow: hidden;
}
.ti-plan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--ti-shadow-lg);
}
.ti-plan-card__accent {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--ti-sky), var(--ti-sky-mid));
  border-radius: var(--ti-radius) var(--ti-radius) 0 0;
}
.ti-plan-card--featured {
  border-color: var(--ti-sky);
  box-shadow: var(--ti-shadow-md);
}
.ti-plan-card__badge {
  position: absolute;
  top: 16px;
  right: 18px;
  background: var(--ti-sky);
  color: var(--ti-white);
  font-size: .71rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 50px;
}
.ti-plan-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--ti-sky-pale);
  color: var(--ti-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  transition: background var(--ti-transition), color var(--ti-transition);
}
.ti-plan-card:hover .ti-plan-card__icon {
  background: var(--ti-sky);
  color: var(--ti-white);
}
.ti-plan-card__title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--ti-charcoal);
  margin: 0 0 6px;
}
.ti-plan-card__sub {
  font-size: .88rem;
  color: var(--ti-muted);
  margin: 0 0 18px;
  line-height: 1.5;
}
.ti-plan-card__list {
  list-style: none;
  margin: 0 0 24px;
  padding: 0;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.ti-plan-card__list li {
  font-size: .9rem;
  color: var(--ti-body);
  padding-left: 18px;
  position: relative;
  line-height: 1.5;
}
.ti-plan-card__list li::before {
  content: "✓";
  color: var(--ti-sky);
  font-weight: 700;
  position: absolute;
  left: 0;
  top: 0;
}
.ti-plan-card__cta {
  background: var(--ti-green-pale);
  color: var(--ti-green);
  border: none;
  cursor: pointer;
  font-size: .9rem;
  font-weight: 700;
  padding: 11px 22px;
  border-radius: 50px;
  transition: background var(--ti-transition), color var(--ti-transition), transform var(--ti-transition);
  align-self: flex-start;
}
.ti-plan-card__cta:hover,
.ti-plan-card--featured .ti-plan-card__cta {
  background: var(--ti-green);
  color: var(--ti-white);
  transform: scale(1.04);
}

/* =====================================================
   3. ADD-ONS
   ===================================================== */
.ti-addons {
  padding: 96px 0;
  background: var(--ti-sky-ice);
}
.ti-addons__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.ti-addon {
  background: var(--ti-white);
  border-radius: var(--ti-radius);
  border: 1px solid #d8edf7;
  padding: 28px 22px;
  text-align: center;
  box-shadow: var(--ti-shadow-sm);
  transition: transform var(--ti-transition), box-shadow var(--ti-transition);
}
.ti-addon:hover {
  transform: translateY(-5px);
  box-shadow: var(--ti-shadow-md);
}
.ti-addon__icon {
  width: 54px;
  height: 54px;
  border-radius: 14px;
  background: var(--ti-sky-pale);
  color: var(--ti-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 14px;
  transition: background var(--ti-transition), color var(--ti-transition);
}
.ti-addon:hover .ti-addon__icon {
  background: var(--ti-sky);
  color: var(--ti-white);
}
.ti-addon__title {
  font-size: .98rem;
  font-weight: 800;
  color: var(--ti-charcoal);
  margin: 0 0 8px;
}
.ti-addon__text {
  font-size: .85rem;
  color: var(--ti-muted);
  line-height: 1.6;
  margin: 0;
}

/* =====================================================
   4. COVERAGE
   ===================================================== */
.ti-coverage {
  padding: 96px 0;
  background: var(--ti-white);
}
.ti-coverage__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
.ti-coverage__card {
  border-radius: var(--ti-radius);
  padding: 36px 32px;
  box-shadow: var(--ti-shadow-sm);
}
.ti-coverage__card--yes {
  background: var(--ti-sky-ice);
  border: 1.5px solid #b3def4;
}
.ti-coverage__card--no {
  background: var(--ti-red-pale);
  border: 1.5px solid #ffcdd2;
}
.ti-coverage__card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}
.ti-coverage__card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.ti-coverage__card-icon--yes {
  background: var(--ti-sky);
  color: var(--ti-white);
}
.ti-coverage__card-icon--no {
  background: var(--ti-red);
  color: var(--ti-white);
}
.ti-coverage__card-title {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--ti-charcoal);
  margin: 0;
}
.ti-coverage__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 13px;
}
.ti-coverage__list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .93rem;
  color: var(--ti-body);
  line-height: 1.6;
}
.ti-coverage__list li svg {
  flex-shrink: 0;
  margin-top: 3px;
}

/* =====================================================
   5. CLAIM PROCESS
   ===================================================== */
.ti-claim {
  padding: 96px 0;
  background: var(--ti-sky-ice);
}
.ti-claim__timeline {
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
}
.ti-claim__step {
  display: flex;
  gap: 28px;
  align-items: flex-start;
}
.ti-claim__step-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 52px;
}
.ti-claim__step-num {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--ti-sky);
  color: var(--ti-white);
  font-size: 1.05rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(2,136,209,.3);
}
.ti-claim__step-line {
  flex: 1;
  width: 2px;
  background: linear-gradient(to bottom, var(--ti-sky), var(--ti-sky-mid));
  min-height: 48px;
  margin: 6px 0;
  opacity: .35;
}
.ti-claim__step-card {
  background: var(--ti-white);
  border-radius: var(--ti-radius);
  border: 1px solid #d8edf7;
  padding: 26px 28px;
  box-shadow: var(--ti-shadow-sm);
  flex: 1;
  margin-bottom: 28px;
  transition: transform var(--ti-transition), box-shadow var(--ti-transition);
}
.ti-claim__step-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--ti-shadow-md);
}
.ti-claim__step-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--ti-sky-pale);
  color: var(--ti-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
}
.ti-claim__step-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--ti-charcoal);
  margin: 0 0 8px;
}
.ti-claim__step-desc {
  font-size: .91rem;
  color: var(--ti-body);
  line-height: 1.7;
  margin: 0;
}
.ti-claim__step--last .ti-claim__step-card {
  margin-bottom: 0;
}

/* =====================================================
   6. WHY TRAVEL INSURANCE
   ===================================================== */
.ti-why {
  padding: 96px 0;
  background: var(--ti-white);
}
.ti-why__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.ti-why-card {
  background: var(--ti-white);
  border-radius: var(--ti-radius);
  border: 1px solid #d8edf7;
  padding: 36px 28px 32px;
  text-align: center;
  box-shadow: var(--ti-shadow-sm);
  transition: transform var(--ti-transition), box-shadow var(--ti-transition);
}
.ti-why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--ti-shadow-lg);
}
.ti-why-card__icon {
  width: 64px;
  height: 64px;
  border-radius: 18px;
  background: linear-gradient(135deg, var(--ti-sky-pale), #c5e8f8);
  color: var(--ti-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: background var(--ti-transition), color var(--ti-transition);
}
.ti-why-card:hover .ti-why-card__icon {
  background: var(--ti-sky);
  color: var(--ti-white);
}
.ti-why-card__title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--ti-charcoal);
  margin: 0 0 12px;
}
.ti-why-card__text {
  font-size: .91rem;
  color: var(--ti-body);
  line-height: 1.7;
  margin: 0;
}

/* =====================================================
   7. FAQ
   ===================================================== */
.ti-faq {
  padding: 96px 0;
  background: var(--ti-sky-ice);
}
.ti-faq__list {
  max-width: 740px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.ti-faq__item {
  background: var(--ti-white);
  border: 1.5px solid #d8edf7;
  border-radius: var(--ti-radius-sm);
  overflow: hidden;
  box-shadow: var(--ti-shadow-sm);
  transition: border-color var(--ti-transition), box-shadow var(--ti-transition);
}
.ti-faq__item--open {
  border-color: var(--ti-sky);
  box-shadow: var(--ti-shadow-md);
}
.ti-faq__q {
  width: 100%;
  background: transparent;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 24px;
  text-align: left;
  font-size: 1rem;
  font-weight: 700;
  color: var(--ti-charcoal);
  line-height: 1.5;
  transition: color var(--ti-transition);
}
.ti-faq__item--open .ti-faq__q {
  color: var(--ti-sky);
}
.ti-faq__arrow {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--ti-sky-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ti-sky);
  transition: transform var(--ti-transition), background var(--ti-transition);
  position: relative;
}
/* CSS-only downward chevron */
.ti-faq__arrow::after {
  content: "";
  display: block;
  width: 9px;
  height: 9px;
  border-right: 2.5px solid var(--ti-sky);
  border-bottom: 2.5px solid var(--ti-sky);
  transform: rotate(45deg) translateY(-2px);
}
.ti-faq__item--open .ti-faq__arrow {
  background: var(--ti-sky);
  transform: rotate(180deg);
}
.ti-faq__item--open .ti-faq__arrow::after {
  border-color: var(--ti-white);
}
.ti-faq__a {
  padding: 0 24px 22px;
  border-top: 1px solid var(--ti-sky-pale);
}
.ti-faq__a p {
  font-size: .93rem;
  color: var(--ti-body);
  line-height: 1.8;
  margin: 16px 0 0;
}

/* =====================================================
   RESPONSIVE BREAKPOINTS
   ===================================================== */

/* Tablet ≤ 900px */
@media (max-width: 900px) {
  .ti-hero__container {
    grid-template-columns: 1fr;
    gap: 48px;
    text-align: center;
  }
  .ti-hero__right {
    order: -1;
  }
  .ti-hero__bullets {
    align-items: center;
  }
  .ti-hero__actions {
    justify-content: center;
  }
  .ti-hero__description {
    margin-left: auto;
    margin-right: auto;
  }
  .ti-illus__badge--1 { top: 6%; left: 0; }
  .ti-illus__badge--2 { top: 44%; right: -2%; }
  .ti-illus__badge--3 { bottom: 8%; left: 6%; }

  .ti-plans__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .ti-addons__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .ti-coverage__grid {
    grid-template-columns: 1fr;
  }
  .ti-why__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .ti-why__grid > :last-child {
    grid-column: 1 / -1;
    max-width: 420px;
    margin: 0 auto;
  }
}

/* Mobile ≤ 600px */
@media (max-width: 600px) {
  .ti-hero {
    padding: 96px 0 60px;
  }
  .ti-plans__grid {
    grid-template-columns: 1fr;
  }
  .ti-addons__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .ti-why__grid {
    grid-template-columns: 1fr;
  }
  .ti-why__grid > :last-child {
    max-width: 100%;
    grid-column: auto;
  }
  .ti-claim__step-card {
    padding: 20px;
  }
  .ti-section-header {
    margin-bottom: 40px;
  }
  .ti-coverage__card {
    padding: 24px 20px;
  }
  .ti-faq__q {
    padding: 18px;
    font-size: .95rem;
  }
  .ti-faq__a {
    padding: 0 18px 18px;
  }
}

/* Very small ≤ 380px */
@media (max-width: 380px) {
  .ti-addons__grid {
    grid-template-columns: 1fr;
  }
  .ti-hero__illus {
    max-width: 280px;
  }
}