.jewel-insurance-page-main {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(circle at 12% 10%, rgba(193, 164, 112, 0.08), transparent 24%),
        radial-gradient(circle at 88% 82%, rgba(193, 164, 112, 0.06), transparent 22%),
        linear-gradient(180deg, #fcfbf8 0%, #f5efe8 50%, #fcfbf8 100%);
}

/* hero */
.jewel-insurance-hero-section {
    padding: 34px 0 24px;
}

.jewel-insurance-hero-shell {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    padding: 34px 38px;
    border-radius: 34px;
    background: linear-gradient(180deg, rgba(255,255,255,0.95) 0%, rgba(247,242,236,0.98) 100%);
    border: 1px solid rgba(40, 31, 22, 0.06);
    box-shadow:
        0 20px 50px rgba(0, 0, 0, 0.05),
        inset 0 1px 0 rgba(255,255,255,0.72);
}

.jewel-insurance-hero-kicker,
.jewel-insurance-section-mini {
    display: inline-block;
    color: #9c7c55;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2.2px;
    text-transform: uppercase;
    font-family: "Montserrat", Arial, sans-serif;
}

.jewel-insurance-hero-kicker {
    margin-bottom: 12px;
}

.jewel-insurance-hero-title {
    margin: 0 0 14px;
    color: #17120d;
    font-size: clamp(36px, 4vw, 62px);
    line-height: 0.95;
    font-weight: 700;
    font-family: "Cormorant Garamond", "Times New Roman", serif;
}

.jewel-insurance-hero-text {
    max-width: 700px;
    margin: 0;
    color: #6b6055;
    font-size: 15px;
    line-height: 1.9;
}

.jewel-insurance-hero-badge {
    min-width: 170px;
    padding: 22px;
    border-radius: 28px;
    text-align: center;
    background: linear-gradient(180deg, #1d1712 0%, #120d09 100%);
    box-shadow: 0 18px 36px rgba(19, 14, 10, 0.16);
}

.jewel-insurance-hero-badge strong {
    display: block;
    margin-bottom: 6px;
    color: #f2cf98;
    font-size: 34px;
    line-height: 1;
    font-family: "Cormorant Garamond", serif;
}

.jewel-insurance-hero-badge span {
    display: block;
    color: #ffffff;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.6px;
    text-transform: uppercase;
    font-family: "Montserrat", Arial, sans-serif;
}

/* content */
.jewel-insurance-content-section {
    padding: 10px 0 44px;
}

.jewel-insurance-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.45fr) minmax(320px, 0.55fr);
    gap: 26px;
    align-items: start;
}

.jewel-insurance-section-card,
.jewel-insurance-sidebar-card {
    padding: 28px;
    border-radius: 30px;
    background: linear-gradient(180deg, rgba(255,255,255,0.95) 0%, rgba(247,242,236,0.98) 100%);
    border: 1px solid rgba(40, 31, 22, 0.06);
    box-shadow:
        0 18px 48px rgba(0, 0, 0, 0.05),
        inset 0 1px 0 rgba(255,255,255,0.72);
}

.jewel-insurance-section-card + .jewel-insurance-section-card {
    margin-top: 26px;
}

.jewel-insurance-sidebar-area {
    display: grid;
    gap: 26px;
    position: sticky;
    top: 24px;
}

.jewel-insurance-section-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    margin-bottom: 24px;
    padding-bottom: 18px;
    border-bottom: 1px solid rgba(40, 31, 22, 0.08);
}

.jewel-insurance-section-head h2 {
    margin: 10px 0 0;
    color: #17120d;
    font-size: clamp(28px, 3vw, 42px);
    line-height: 1;
    font-family: "Cormorant Garamond", serif;
}

/* benefit cards */
.jewel-insurance-benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.jewel-insurance-benefit-card {
    padding: 22px;
    border-radius: 24px;
    background: rgba(255,255,255,0.88);
    border: 1px solid rgba(37, 28, 20, 0.06);
    box-shadow: 0 14px 34px rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.jewel-insurance-benefit-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 18px 42px rgba(0, 0, 0, 0.08);
}

.jewel-insurance-benefit-icon {
    width: 62px;
    height: 62px;
    margin-bottom: 18px;
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(180deg, #1d1712 0%, #120d09 100%);
    color: #f2cf98;
    font-size: 22px;
    box-shadow: 0 14px 24px rgba(19, 14, 10, 0.16);
}

.jewel-insurance-benefit-card h3 {
    margin: 0 0 12px;
    color: #17120d;
    font-size: 28px;
    line-height: 1;
    font-family: "Cormorant Garamond", serif;
}

.jewel-insurance-benefit-card p {
    margin: 0;
    color: #6b6055;
    font-size: 14px;
    line-height: 1.85;
}

/* form */
.jewel-insurance-form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.jewel-insurance-input-group {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.jewel-insurance-input-group.full-width {
    grid-column: 1 / -1;
}

.jewel-insurance-input-group label {
    color: #17120d;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.6px;
    font-family: "Montserrat", Arial, sans-serif;
}

.jewel-insurance-input-group input,
.jewel-insurance-input-group select,
.jewel-insurance-input-group textarea {
    width: 100%;
    min-height: 54px;
    padding: 0 18px;
    border-radius: 18px;
    border: 1px solid rgba(37, 28, 20, 0.10);
    background: rgba(255,255,255,0.9);
    color: #17120d;
    font-size: 14px;
    outline: none;
    transition: all 0.3s ease;
    font-family: "Montserrat", Arial, sans-serif;
}

.jewel-insurance-input-group textarea {
    min-height: 140px;
    padding: 16px 18px;
    resize: vertical;
}

.jewel-insurance-input-group select {
    appearance: none;
}

.jewel-insurance-input-group input:focus,
.jewel-insurance-input-group select:focus,
.jewel-insurance-input-group textarea:focus {
    border-color: rgba(156, 124, 85, 0.45);
    box-shadow: 0 0 0 4px rgba(193, 164, 112, 0.10);
}

.jewel-insurance-check-row {
    display: grid;
    gap: 14px;
    margin-top: 20px;
}

.jewel-insurance-check-item {
    display: inline-flex;
    align-items: flex-start;
    gap: 12px;
    color: #6b6055;
    font-size: 14px;
    line-height: 1.7;
}

.jewel-insurance-check-item input {
    margin-top: 4px;
    width: 18px;
    height: 18px;
    accent-color: #17120d;
}

.jewel-insurance-estimate-box {
    margin-top: 22px;
    padding: 20px;
    border-radius: 24px;
    background: rgba(255,255,255,0.82);
    border: 1px solid rgba(37, 28, 20, 0.06);
}

.jewel-insurance-estimate-line {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    padding: 10px 0;
    color: #6b6055;
    font-size: 14px;
    line-height: 1.6;
}

.jewel-insurance-estimate-line strong {
    color: #17120d;
    font-size: 24px;
    font-family: "Cormorant Garamond", serif;
}

.jewel-insurance-estimate-line.total-line {
    margin-top: 10px;
    padding-top: 16px;
    border-top: 1px solid rgba(40, 31, 22, 0.08);
}

.jewel-insurance-form-actions {
    margin-top: 24px;
}

.jewel-insurance-primary-btn {
    min-height: 54px;
    padding: 0 24px;
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border: none;
    text-decoration: none;
    cursor: pointer;
    transition: all 0.3s ease;
    font-family: "Montserrat", Arial, sans-serif;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.6px;
    text-transform: uppercase;
    background: linear-gradient(180deg, #1d1712 0%, #120d09 100%);
    color: #ffffff;
    box-shadow: 0 16px 34px rgba(19, 14, 10, 0.16);
}

.jewel-insurance-primary-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 22px 38px rgba(19, 14, 10, 0.2);
}

/* faq */
.jewel-insurance-faq-list {
    display: grid;
    gap: 14px;
}

.jewel-insurance-faq-item {
    border-radius: 22px;
    background: rgba(255,255,255,0.88);
    border: 1px solid rgba(37, 28, 20, 0.06);
    overflow: hidden;
    box-shadow: 0 12px 28px rgba(0, 0, 0, 0.04);
}

.jewel-insurance-faq-question {
    width: 100%;
    padding: 20px 22px;
    border: none;
    background: transparent;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    cursor: pointer;
    color: #17120d;
    font-size: 16px;
    font-weight: 700;
    text-align: left;
    font-family: "Montserrat", Arial, sans-serif;
}

.jewel-insurance-faq-question i {
    color: #9c7c55;
    font-size: 14px;
    transition: transform 0.3s ease;
}

.jewel-insurance-faq-question.active i {
    transform: rotate(45deg);
}

.jewel-insurance-faq-answer {
    display: none;
    padding: 0 22px 20px;
}

.jewel-insurance-faq-answer p {
    margin: 0;
    color: #6b6055;
    font-size: 14px;
    line-height: 1.85;
}

/* sidebar */
.jewel-insurance-sidebar-card h3 {
    margin: 12px 0 22px;
    color: #17120d;
    font-size: 34px;
    line-height: 1;
    font-family: "Cormorant Garamond", serif;
}

.jewel-insurance-plan-list,
.jewel-insurance-promise-list {
    display: grid;
    gap: 16px;
}

.jewel-insurance-plan-item {
    padding: 16px;
    border-radius: 20px;
    background: rgba(255,255,255,0.88);
    border: 1px solid rgba(37, 28, 20, 0.06);
}

.jewel-insurance-plan-item h4 {
    margin: 0 0 8px;
    color: #17120d;
    font-size: 24px;
    line-height: 1;
    font-family: "Cormorant Garamond", serif;
}

.jewel-insurance-plan-item p {
    margin: 0;
    color: #6b6055;
    font-size: 13px;
    line-height: 1.8;
}

.jewel-insurance-note-box {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    margin-top: 20px;
    padding: 18px;
    border-radius: 20px;
    background: rgba(255,255,255,0.82);
    border: 1px solid rgba(37, 28, 20, 0.06);
}

.jewel-insurance-note-box i {
    margin-top: 2px;
    color: #9c7c55;
    font-size: 18px;
}

.jewel-insurance-note-box p {
    margin: 0;
    color: #6b6055;
    font-size: 13px;
    line-height: 1.8;
}

.jewel-insurance-promise-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 14px 0;
    border-bottom: 1px solid rgba(40, 31, 22, 0.08);
}

.jewel-insurance-promise-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.jewel-insurance-promise-item i {
    margin-top: 3px;
    color: #9c7c55;
    font-size: 15px;
}

.jewel-insurance-promise-item span {
    color: #6b6055;
    font-size: 14px;
    line-height: 1.8;
}

.jewel-insurance-side-btn {
    width: 100%;
    margin-top: 22px;
}

/* responsive */
@media (max-width: 1199px) {
    .jewel-insurance-layout {
        grid-template-columns: 1fr;
    }

    .jewel-insurance-sidebar-area {
        position: static;
    }

    .jewel-insurance-hero-shell {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 767px) {
    .jewel-insurance-hero-section {
        padding: 18px 0 14px;
    }

    .jewel-insurance-content-section {
        padding: 4px 0 26px;
    }

    .jewel-insurance-hero-shell,
    .jewel-insurance-section-card,
    .jewel-insurance-sidebar-card {
        padding: 22px 16px;
        border-radius: 24px;
    }

    .jewel-insurance-benefits-grid,
    .jewel-insurance-form-grid {
        grid-template-columns: 1fr;
    }

    .jewel-insurance-hero-title {
        font-size: 40px;
    }

    .jewel-insurance-section-head h2,
    .jewel-insurance-sidebar-card h3 {
        font-size: 30px;
    }

    .jewel-insurance-benefit-card h3,
    .jewel-insurance-plan-item h4,
    .jewel-insurance-estimate-line strong {
        font-size: 24px;
    }

    .jewel-insurance-primary-btn {
        width: 100%;
    }

    .jewel-insurance-hero-badge {
        width: 100%;
    }
}

@media (max-width: 480px) {
    .jewel-insurance-hero-title {
        font-size: 34px;
    }

    .jewel-insurance-section-head h2,
    .jewel-insurance-sidebar-card h3 {
        font-size: 26px;
    }

    .jewel-insurance-benefit-card h3,
    .jewel-insurance-plan-item h4,
    .jewel-insurance-estimate-line strong {
        font-size: 22px;
    }

    .jewel-insurance-primary-btn {
        min-height: 50px;
        font-size: 11px;
    }

    .jewel-insurance-faq-question {
        font-size: 14px;
        padding: 18px 16px;
    }

    .jewel-insurance-faq-answer {
        padding: 0 16px 18px;
    }
}