/* ============================================================
   /insurance-claim.html — Concierge landing page
   ============================================================ */

.ic-page {
  background: linear-gradient(180deg, #050810 0%, #0a0f1c 50%, #050810 100%);
  min-height: 100vh;
  padding-top: 100px;
  position: relative;
}
.ic-page::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(60vw 60vw at 20% 10%, rgba(0,168,232,0.12), transparent 60%),
    radial-gradient(50vw 50vw at 80% 90%, rgba(0,168,232,0.06), transparent 60%);
  pointer-events: none;
}
.ic-page > section { position: relative; z-index: 1; }
.ic-page .container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* HERO */
.ic-hero { padding: 40px 0 80px; }
.ic-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(380px, 1fr);
  gap: 50px;
  align-items: start;
}
@media (max-width: 960px) {
  .ic-hero-grid { grid-template-columns: 1fr; gap: 32px; }
}
.ic-hero-left .eyebrow {
  font-size: 11px;
  letter-spacing: 0.3em;
  color: var(--kk-blue);
  text-transform: uppercase;
  font-weight: 700;
  display: block;
  margin-bottom: 16px;
}
.ic-hero-left h1 {
  font-family: 'EB Garamond', Georgia, serif;
  font-size: clamp(36px, 5.5vw, 60px);
  font-weight: 700;
  color: #fff;
  line-height: 1.05;
  margin: 0 0 22px;
  text-shadow: 0 4px 28px rgba(0,168,232,0.3);
}
.ic-emph { color: var(--kk-blue); }
.ic-hero-sub {
  font-size: 17px;
  line-height: 1.65;
  color: var(--kk-text);
  margin: 0 0 32px;
  max-width: 580px;
}
.ic-hero-sub strong { color: var(--kk-blue-soft); }
.ic-trust-row {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}
.ic-trust { padding-right: 24px; border-right: 1px solid rgba(0,168,232,0.2); }
.ic-trust:last-child { border-right: none; }
.ic-trust-num {
  font-family: 'EB Garamond', Georgia, serif;
  font-size: clamp(28px, 4vw, 38px);
  font-weight: 700;
  color: #fff;
  line-height: 1;
  background: linear-gradient(180deg, #ffffff 0%, #cfe6f7 65%, #6da6c8 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.ic-trust-lbl { font-size: 11px; letter-spacing: 0.15em; text-transform: uppercase; color: var(--kk-text-mute); margin-top: 6px; }

/* HERO FORM */
.ic-hero-form {
  position: sticky;
  top: 100px;
}
.ic-form {
  background: linear-gradient(180deg, #0d1320 0%, #060a14 100%);
  border: 1px solid rgba(0,168,232,0.4);
  border-radius: 8px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: 0 30px 80px rgba(0,0,0,0.6), 0 0 60px rgba(0,168,232,0.12);
  position: relative;
}
.ic-form::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--kk-blue) 50%, transparent);
}
.ic-form-head { margin-bottom: 6px; }
.ic-form-eyebrow {
  font-size: 11px;
  letter-spacing: 0.22em;
  color: var(--kk-blue);
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 6px;
}
.ic-form h3 {
  font-family: 'EB Garamond', Georgia, serif;
  font-size: 22px;
  font-weight: 700;
  color: #fff;
  margin: 0;
}
.ic-form input, .ic-form select, .ic-form textarea {
  width: 100%;
  padding: 13px 14px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 4px;
  color: #fff;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  transition: all 0.2s var(--kk-ease);
}
.ic-form input::placeholder, .ic-form textarea::placeholder { color: rgba(255,255,255,0.45); }
.ic-form input:focus, .ic-form select:focus, .ic-form textarea:focus {
  outline: none;
  border-color: var(--kk-blue);
  background: rgba(0,168,232,0.06);
  box-shadow: 0 0 0 3px rgba(0,168,232,0.18);
}
.ic-form select { appearance: none; background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'><path d='M1 1l5 5 5-5' stroke='%23789' stroke-width='2'/></svg>"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
.ic-form textarea { resize: vertical; }
.ic-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 480px) { .ic-form-row { grid-template-columns: 1fr; } }
.ic-submit-btn {
  margin-top: 8px;
  padding: 16px;
  background: linear-gradient(135deg, var(--kk-blue) 0%, var(--kk-blue-deep) 100%);
  color: #fff;
  border: none;
  border-radius: 4px;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  box-shadow: 0 0 0 1px rgba(0,168,232,0.4), 0 16px 40px rgba(0,168,232,0.4);
  transition: all 0.25s var(--kk-ease);
}
.ic-submit-btn:hover:not(:disabled) {
  transform: translateY(-2px);
  box-shadow: 0 0 0 1px rgba(0,168,232,0.6), 0 22px 60px rgba(0,168,232,0.55);
}
.ic-submit-btn:disabled { opacity: 0.6; cursor: wait; }
.ic-form-foot {
  font-size: 11px;
  color: var(--kk-text-mute);
  text-align: center;
  margin-top: 4px;
}
.ic-msg { margin-top: 12px; padding: 12px; border-radius: 4px; font-size: 13.5px; line-height: 1.55; }
.ic-msg.success { background: rgba(74,222,128,0.08); color: #4ade80; border: 1px solid rgba(74,222,128,0.3); }
.ic-msg.error { background: rgba(248,113,113,0.08); color: #f87171; border: 1px solid rgba(248,113,113,0.3); }

/* PROCESS STEPS */
.ic-process {
  background: linear-gradient(180deg, #060912 0%, #0a0f1c 100%);
  padding: 80px 0 90px;
  border-top: 1px solid rgba(0,168,232,0.12);
}
.ic-step-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 18px;
  margin-top: 40px;
}
.ic-step {
  background: linear-gradient(180deg, #0d1320 0%, #070b14 100%);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 6px;
  padding: 24px;
  position: relative;
  transition: all 0.35s var(--kk-ease);
}
.ic-step:hover {
  border-color: rgba(0,168,232,0.4);
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.5), 0 0 30px rgba(0,168,232,0.15);
}
.ic-step-num {
  position: absolute;
  top: 16px; right: 16px;
  font-family: 'EB Garamond', Georgia, serif;
  font-size: 38px;
  font-weight: 700;
  color: rgba(0,168,232,0.18);
  line-height: 1;
}
.ic-step-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, rgba(0,168,232,0.18), rgba(0,114,184,0.06));
  border: 1px solid rgba(0,168,232,0.3);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.ic-step-icon svg { width: 22px; height: 22px; color: var(--kk-blue); }
.ic-step h4 {
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  margin: 0 0 8px;
  line-height: 1.3;
}
.ic-step p {
  font-size: 13.5px;
  line-height: 1.6;
  color: var(--kk-text-mute);
  margin: 0;
}

/* CARRIERS */
.ic-carriers {
  padding: 80px 0;
  background: linear-gradient(180deg, #0a0f1c 0%, #060912 100%);
  border-top: 1px solid rgba(0,168,232,0.12);
}
.ic-carrier-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 12px;
  margin-top: 36px;
}
.ic-carrier {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 4px;
  padding: 16px 18px;
  text-align: center;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--kk-text);
  letter-spacing: 0.04em;
  transition: all 0.25s var(--kk-ease);
}
.ic-carrier:hover {
  border-color: var(--kk-blue);
  background: rgba(0,168,232,0.06);
  color: #fff;
  transform: translateY(-2px);
}

/* FAQ */
.ic-faq {
  padding: 80px 0;
  background: linear-gradient(180deg, #060912 0%, #0a0f1c 100%);
  border-top: 1px solid rgba(0,168,232,0.12);
}
.ic-faq-item {
  background: linear-gradient(180deg, #0d1320 0%, #070b14 100%);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 6px;
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color 0.25s var(--kk-ease);
}
.ic-faq-item[open] { border-color: rgba(0,168,232,0.4); }
.ic-faq-item summary {
  cursor: pointer;
  padding: 18px 22px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: #fff;
  list-style: none;
  position: relative;
  padding-right: 56px;
}
.ic-faq-item summary::-webkit-details-marker { display: none; }
.ic-faq-item summary::after {
  content: '+';
  position: absolute;
  right: 22px; top: 50%;
  transform: translateY(-50%);
  width: 28px; height: 28px;
  background: rgba(0,168,232,0.15);
  border: 1px solid rgba(0,168,232,0.4);
  border-radius: 50%;
  color: var(--kk-blue);
  font-size: 18px;
  display: flex; align-items: center; justify-content: center;
  transition: all 0.25s var(--kk-ease);
}
.ic-faq-item[open] summary::after { content: '−'; background: var(--kk-blue); color: #fff; }
.ic-faq-item p {
  margin: 0;
  padding: 0 22px 20px;
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--kk-text-mute);
}

/* CTA STRIP */
.ic-cta-strip {
  padding: 80px 24px;
  text-align: center;
  background: linear-gradient(135deg, rgba(0,168,232,0.12), rgba(0,114,184,0.04));
  border-top: 1px solid rgba(0,168,232,0.3);
}
.ic-cta-strip h2 {
  font-family: 'EB Garamond', Georgia, serif;
  font-size: clamp(28px, 4vw, 42px);
  color: #fff;
  margin: 0 0 8px;
}
.ic-cta-strip p { color: var(--kk-text-mute); margin: 0 0 22px; font-size: 17px; }
.ic-cta-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

@media (max-width: 540px) {
  .ic-form { padding: 22px 18px; }
  .ic-trust-row { gap: 16px; }
  .ic-trust { padding-right: 16px; }
}