/* ============================================================
   Insurance Verification Page — World-Class Redesign
   Owns: hero, plans grid, 3-step wizard, estimator, combobox,
         service chips, recap, success state, trust signals,
         info section, FAQ.
   Vars expected from page: --zh-primary, --zh-secondary,
         --zh-accent, --zh-warm, --zh-action, --zh-light.
   ============================================================ */

:root {
  --iv-radius: 16px;
  --iv-radius-sm: 10px;
  --iv-shadow-sm: 0 2px 8px rgba(20, 40, 30, 0.06);
  --iv-shadow-md: 0 8px 28px rgba(20, 40, 30, 0.08);
  --iv-shadow-lg: 0 18px 60px rgba(20, 40, 30, 0.12);
  --iv-border: #e8eae5;
  --iv-text: #2c3a35;
  --iv-text-soft: #6b7672;
  --iv-success: #2f9e6b;
}

/* ---------- Container ---------- */
.iv-section { padding: 64px 0; }
.iv-section--tight { padding: 40px 0; }
.iv-container { max-width: 1180px; margin: 0 auto; padding: 0 20px; }

/* ---------- HERO ---------- */
.iv-hero {
  position: relative;
  background:
    radial-gradient(circle at 20% -20%, rgba(139, 184, 168, 0.35) 0%, transparent 45%),
    radial-gradient(circle at 100% 110%, rgba(212, 165, 116, 0.20) 0%, transparent 50%),
    linear-gradient(135deg, var(--zh-primary, #2E5A4C) 0%, #234438 100%);
  color: #fff;
  padding: 88px 0 96px;
  overflow: hidden;
}
.iv-hero__breadcrumb { font-size: 13px; color: rgba(255,255,255,0.65); margin-bottom: 24px; }
.iv-hero__breadcrumb a { color: rgba(255,255,255,0.85); text-decoration: none; }
.iv-hero__breadcrumb a:hover { color: #fff; text-decoration: underline; }
.iv-hero__inner { display: grid; grid-template-columns: 1.15fr 1fr; gap: 56px; align-items: center; }
.iv-hero__eyebrow {
  display: inline-block; background: var(--zh-warm, #D4A574); color: #fff;
  padding: 6px 16px; border-radius: 999px; font-size: 12px; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 18px;
}
.iv-hero__title {
  font-size: clamp(34px, 4.4vw, 52px); font-weight: 700; line-height: 1.1;
  margin: 0 0 18px; color: #fff; letter-spacing: -0.02em;
}
.iv-hero__title em { font-style: normal; color: var(--zh-warm, #D4A574); }
.iv-hero__lead {
  font-size: clamp(16px, 1.5vw, 19px); line-height: 1.65;
  color: rgba(255,255,255,0.86); margin: 0 0 28px; max-width: 580px;
}
.iv-hero__chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 32px; }
.iv-chip {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(255,255,255,0.12); color: #fff;
  padding: 8px 14px; border-radius: 999px; font-size: 13.5px; font-weight: 500;
  border: 1px solid rgba(255,255,255,0.16);
}
.iv-chip svg { width: 14px; height: 14px; opacity: 0.85; }
.iv-hero__cta {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--zh-warm, #D4A574); color: #fff;
  padding: 16px 30px; border-radius: 12px; font-weight: 700; font-size: 16px;
  text-decoration: none; transition: transform .2s, box-shadow .2s, background .2s;
  box-shadow: 0 8px 24px rgba(212, 165, 116, 0.35);
}
.iv-hero__cta:hover { background: var(--zh-action, #B8834A); color: #fff; transform: translateY(-2px); box-shadow: 0 12px 32px rgba(184, 131, 74, 0.4); }
.iv-hero__cta-meta { display: block; font-size: 12px; opacity: 0.85; font-weight: 500; margin-top: 8px; color: rgba(255,255,255,0.7); }

/* Hero visual: sample summary card */
.iv-hero__visual { display: flex; justify-content: center; }
.iv-summary-card {
  background: #fff; color: var(--iv-text); border-radius: 18px;
  padding: 26px 28px; width: 100%; max-width: 380px;
  box-shadow: 0 30px 80px rgba(0,0,0,0.25);
  transform: rotate(-1.5deg);
  position: relative;
}
.iv-summary-card::before {
  content: ''; position: absolute; top: -10px; right: -10px;
  width: 70px; height: 70px; background: var(--zh-warm, #D4A574); color: #fff;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 28px; font-weight: 800;
  box-shadow: 0 8px 20px rgba(212, 165, 116, 0.4);
}
.iv-summary-card::before { content: '✓'; }
.iv-summary-card__header {
  display: flex; align-items: center; gap: 10px;
  padding-bottom: 14px; margin-bottom: 14px;
  border-bottom: 1px solid var(--iv-border);
}
.iv-summary-card__avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--zh-primary), var(--zh-secondary));
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 14px;
}
.iv-summary-card__from { font-size: 12px; color: var(--iv-text-soft); }
.iv-summary-card__from strong { color: var(--iv-text); display: block; font-size: 14px; }
.iv-summary-card__title { font-size: 15px; font-weight: 700; color: var(--zh-primary, #2E5A4C); margin: 0 0 12px; }
.iv-summary-card__row { display: flex; justify-content: space-between; padding: 8px 0; font-size: 14px; border-bottom: 1px dashed var(--iv-border); }
.iv-summary-card__row:last-child { border-bottom: 0; }
.iv-summary-card__row span { color: var(--iv-text-soft); }
.iv-summary-card__row strong { color: var(--iv-text); }
.iv-summary-card__row strong.is-success { color: var(--iv-success); }
.iv-summary-card__footer { font-size: 11px; color: var(--iv-text-soft); margin-top: 12px; text-align: center; font-style: italic; }

@media (max-width: 880px) {
  .iv-hero { padding: 64px 0 72px; }
  .iv-hero__inner { grid-template-columns: 1fr; gap: 44px; }
  .iv-hero__visual { display: none; }
}

/* ---------- PLANS GRID ---------- */
.iv-plans { background: #fafaf6; padding: 72px 0; }
.iv-plans__header { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.iv-plans__header h2 {
  font-size: clamp(26px, 3vw, 34px); font-weight: 700; color: var(--zh-primary, #2E5A4C);
  margin: 0 0 12px; letter-spacing: -0.01em;
}
.iv-plans__header p { color: var(--iv-text-soft); margin: 0; font-size: 16px; line-height: 1.6; }
.iv-plans__header a { color: var(--zh-primary, #2E5A4C); font-weight: 600; }

.iv-plans__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 28px;
}
@media (max-width: 980px) { .iv-plans__grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 720px) { .iv-plans__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 420px) { .iv-plans__grid { grid-template-columns: 1fr; } }

.iv-plan {
  position: relative;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 12px; padding: 28px 18px 20px;
  background: #fff; border: 2px solid var(--iv-border); border-radius: var(--iv-radius);
  cursor: pointer; transition: transform .2s, box-shadow .2s, border-color .2s;
  font-family: inherit; min-height: 130px;
  text-align: center;
}
.iv-plan:hover { transform: translateY(-4px); border-color: var(--zh-accent, #8BB8A8); box-shadow: var(--iv-shadow-md); }
.iv-plan:focus-visible { outline: 3px solid var(--zh-primary, #2E5A4C); outline-offset: 3px; }
.iv-plan img { width: 80%; max-width: 180px; height: auto; max-height: 56px; object-fit: contain; }
.iv-plan__cta {
  font-size: 12px; font-weight: 700; color: var(--zh-primary, #2E5A4C);
  letter-spacing: 0.04em; opacity: 0;
  transform: translateY(4px); transition: opacity .2s, transform .2s;
}
.iv-plan:hover .iv-plan__cta { opacity: 1; transform: translateY(0); }
.iv-plan--preferred { border-color: var(--zh-primary, #2E5A4C); background: linear-gradient(180deg, #fff, #f4f8f5); }
.iv-plan__ribbon {
  position: absolute; top: -10px; left: 50%; transform: translateX(-50%);
  background: var(--zh-primary, #2E5A4C); color: #fff;
  font-size: 10px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  padding: 5px 12px; border-radius: 999px; white-space: nowrap;
}
.iv-plan--more {
  background: transparent; border-style: dashed; cursor: default;
}
.iv-plan--more:hover { transform: none; box-shadow: none; }
.iv-plan--more strong { color: var(--zh-primary, #2E5A4C); font-size: 15px; display: block; }
.iv-plan--more span { font-size: 12px; color: var(--iv-text-soft); }

.iv-plans__bar {
  display: flex; align-items: center; justify-content: center; gap: 12px;
  background: #fff; border: 1px solid var(--iv-border); border-radius: 999px;
  padding: 12px 24px; max-width: 720px; margin: 0 auto;
  font-size: 14.5px; color: var(--iv-text);
}
.iv-plans__bar strong { color: var(--zh-primary, #2E5A4C); }
.iv-plans__bar svg { width: 18px; height: 18px; color: var(--zh-primary, #2E5A4C); flex-shrink: 0; }
.iv-plans__disclaimer {
  font-size: 11.5px; color: var(--iv-text-soft); text-align: center;
  margin-top: 18px; max-width: 800px; margin-left: auto; margin-right: auto;
  line-height: 1.5;
}

/* ---------- WIZARD ---------- */
.iv-wizard-section { padding: 72px 0; background: #fff; }
.iv-wizard-section__inner { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 980px) { .iv-wizard-section__inner { grid-template-columns: 1fr; } }

.iv-wizard-card {
  background: #fff; border: 1px solid var(--iv-border); border-radius: var(--iv-radius);
  box-shadow: var(--iv-shadow-md); padding: 44px 44px 36px;
  position: relative;
}
@media (max-width: 600px) { .iv-wizard-card { padding: 28px 22px; } }

.iv-wizard-header { text-align: center; margin-bottom: 28px; }
.iv-wizard-header h2 {
  font-size: clamp(24px, 2.5vw, 30px); color: var(--zh-primary, #2E5A4C);
  font-weight: 700; margin: 0 0 8px; letter-spacing: -0.01em;
}
.iv-wizard-header p { color: var(--iv-text-soft); margin: 0; font-size: 15px; }

/* Progress dots */
.iv-progress {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  margin: 0 auto 36px; max-width: 480px;
}
.iv-progress__step { display: flex; flex-direction: column; align-items: center; gap: 8px; flex: 0 0 auto; }
.iv-progress__dot {
  width: 36px; height: 36px; border-radius: 50%;
  background: #f0f0eb; color: var(--iv-text-soft);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 14px; transition: all .25s;
  border: 2px solid transparent;
}
.iv-progress__label { font-size: 11.5px; font-weight: 600; color: var(--iv-text-soft); white-space: nowrap; letter-spacing: 0.02em; }
.iv-progress__connector { flex: 1; height: 2px; background: #f0f0eb; max-width: 80px; transition: background .3s; }
.iv-progress__step--complete .iv-progress__dot { background: var(--zh-primary, #2E5A4C); color: #fff; }
.iv-progress__step--complete + .iv-progress__connector { background: var(--zh-primary, #2E5A4C); }
.iv-progress__step--active .iv-progress__dot {
  background: #fff; color: var(--zh-primary, #2E5A4C);
  border-color: var(--zh-primary, #2E5A4C);
  box-shadow: 0 0 0 4px rgba(46, 90, 76, 0.12);
}
.iv-progress__step--active .iv-progress__label { color: var(--zh-primary, #2E5A4C); }

/* Step container */
.iv-step { animation: ivStepIn .3s ease-out; }
@keyframes ivStepIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.iv-step__title { font-size: 22px; color: var(--iv-text); font-weight: 700; margin: 0 0 6px; letter-spacing: -0.01em; }
.iv-step__sub { color: var(--iv-text-soft); margin: 0 0 28px; font-size: 15px; line-height: 1.5; }

/* Form fields */
.iv-field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 20px; }
@media (max-width: 600px) { .iv-field-row { grid-template-columns: 1fr; } }
.iv-field { display: flex; flex-direction: column; }
.iv-field label { font-weight: 600; color: var(--iv-text); margin-bottom: 8px; font-size: 13.5px; letter-spacing: 0.01em; }
.iv-req { color: #c44; font-weight: 700; margin-left: 2px; }
.iv-opt { color: var(--iv-text-soft); font-weight: 400; font-size: 0.85em; margin-left: 4px; }
.iv-field input[type=text], .iv-field input[type=email], .iv-field input[type=tel], .iv-field input[type=date] {
  padding: 13px 16px; border: 2px solid #e3e3dc; border-radius: var(--iv-radius-sm);
  font-size: 15px; font-family: inherit; color: var(--iv-text);
  background: #fff; transition: border-color .2s, box-shadow .2s;
  width: 100%;
}
.iv-field input:focus {
  outline: none; border-color: var(--zh-primary, #2E5A4C);
  box-shadow: 0 0 0 4px rgba(46, 90, 76, 0.10);
}
.iv-field input::placeholder { color: #b8bbb6; }
.iv-field small { color: var(--iv-text-soft); font-size: 12px; margin-top: 6px; line-height: 1.45; }

/* Custom combobox */
.iv-field--combobox { position: relative; margin-bottom: 18px; }
.iv-combobox__control { position: relative; }
.iv-combobox__control input {
  padding-right: 44px; cursor: pointer;
}
.iv-combobox__chevron {
  position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
  color: var(--iv-text-soft); font-size: 14px; pointer-events: none; transition: transform .2s;
}
.iv-combobox__control.open .iv-combobox__chevron { transform: translateY(-50%) rotate(180deg); }
.iv-combobox__list {
  position: absolute; left: 0; right: 0; bottom: calc(100% + 6px);
  background: #fff; border: 2px solid var(--zh-primary, #2E5A4C);
  border-radius: var(--iv-radius-sm); box-shadow: var(--iv-shadow-lg);
  list-style: none; padding: 6px; margin: 0;
  max-height: 320px; overflow-y: auto; z-index: 50;
}
.iv-combobox__list li {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px; border-radius: 8px; cursor: pointer;
  font-size: 14.5px; color: var(--iv-text); transition: background .15s;
}
.iv-combobox__list li:hover, .iv-combobox__list li:focus { background: #f3f6f4; outline: none; }
.iv-combobox__list li img { width: 80px; height: 28px; object-fit: contain; flex-shrink: 0; }
.iv-combobox__placeholder {
  width: 80px; height: 28px; display: flex; align-items: center; justify-content: center;
  background: #f5f5f0; border-radius: 4px; font-size: 14px; color: var(--iv-text-soft); flex-shrink: 0;
}
.iv-combobox__empty { padding: 16px; text-align: center; color: var(--iv-text-soft); font-size: 14px; }

/* Estimator card */
.iv-estimator {
  margin: 6px 0 24px;
  background: linear-gradient(135deg, #f4f9f6 0%, #ebf3ee 100%);
  border: 1.5px solid #d2e3d8; border-radius: var(--iv-radius);
  padding: 22px 26px;
  animation: ivEstimatorIn .35s cubic-bezier(0.2, 0.7, 0.25, 1);
}
@keyframes ivEstimatorIn { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }
.iv-estimator__top { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.iv-estimator__tier {
  display: inline-block; background: var(--zh-primary, #2E5A4C); color: #fff;
  font-size: 10.5px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  padding: 4px 10px; border-radius: 999px;
}
.iv-estimator__top strong { font-size: 17px; color: var(--iv-text); }
.iv-estimator__range {
  font-size: 32px; font-weight: 800; color: var(--zh-primary, #2E5A4C);
  letter-spacing: -0.02em; line-height: 1.1; margin-bottom: 8px;
  display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap;
}
.iv-estimator__range span { font-size: 13px; color: var(--iv-text-soft); font-weight: 500; letter-spacing: normal; }
.iv-estimator__blurb { color: var(--iv-text); font-size: 14.5px; line-height: 1.55; margin: 0 0 10px; }
.iv-estimator__blurb strong { color: var(--zh-primary, #2E5A4C); }
.iv-estimator__blurb a { color: var(--zh-primary, #2E5A4C); font-weight: 600; }
.iv-estimator__disclaimer { color: var(--iv-text-soft); font-size: 11.5px; line-height: 1.5; margin: 0; font-style: italic; }

/* Service chips group */
.iv-chips-group { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 8px; }
.iv-chip-toggle {
  background: #fff; border: 2px solid var(--iv-border); border-radius: 999px;
  padding: 10px 18px; font-size: 14px; font-weight: 600; color: var(--iv-text);
  cursor: pointer; font-family: inherit; transition: all .2s;
}
.iv-chip-toggle:hover { border-color: var(--zh-accent, #8BB8A8); }
.iv-chip-toggle.active { background: var(--zh-primary, #2E5A4C); border-color: var(--zh-primary, #2E5A4C); color: #fff; }

/* Recap */
.iv-recap {
  background: #fafaf6; border: 1px solid var(--iv-border); border-radius: var(--iv-radius-sm);
  padding: 20px 22px; margin: 24px 0;
}
.iv-recap h4 {
  margin: 0 0 12px; font-size: 13.5px; font-weight: 700; color: var(--iv-text-soft);
  letter-spacing: 0.06em; text-transform: uppercase;
}
.iv-recap__items { display: flex; flex-direction: column; gap: 8px; }
.iv-recap__item { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font-size: 14px; padding: 4px 0; border-bottom: 1px dashed var(--iv-border); }
.iv-recap__item:last-child { border-bottom: 0; }
.iv-recap__item span { color: var(--iv-text-soft); flex-shrink: 0; }
.iv-recap__item strong { color: var(--iv-text); text-align: right; word-break: break-word; }
.iv-recap__edit {
  background: none; border: none; color: var(--zh-primary, #2E5A4C);
  font-weight: 600; font-size: 13px; padding: 8px 0 0; cursor: pointer;
  text-decoration: underline;
}

/* Consent */
.iv-consent {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 18px 20px; background: #fafaf6; border-radius: var(--iv-radius-sm);
  margin: 24px 0;
}
.iv-consent input[type=checkbox] {
  width: 20px; height: 20px; min-width: 20px; margin-top: 2px;
  accent-color: var(--zh-primary, #2E5A4C); cursor: pointer;
}
.iv-consent label { font-size: 13.5px; line-height: 1.55; color: var(--iv-text); cursor: pointer; margin: 0; }
.iv-consent a { color: var(--zh-primary, #2E5A4C); font-weight: 600; }

/* Step nav buttons */
.iv-step__nav { display: flex; gap: 12px; align-items: center; margin-top: 24px; }
.iv-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; font-size: 15px; font-weight: 700; font-family: inherit;
  border-radius: var(--iv-radius-sm); border: 2px solid transparent; cursor: pointer;
  transition: all .2s; text-decoration: none;
}
.iv-btn--primary { background: var(--zh-primary, #2E5A4C); color: #fff; flex: 1; }
.iv-btn--primary:hover { background: var(--zh-secondary, #4A7C6F); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(46, 90, 76, 0.25); }
.iv-btn--primary:disabled { background: #b8bbb6; cursor: not-allowed; transform: none; box-shadow: none; }
.iv-btn--ghost { background: transparent; color: var(--iv-text); border-color: var(--iv-border); }
.iv-btn--ghost:hover { border-color: var(--iv-text-soft); background: #fafaf6; }
.iv-btn--large { padding: 18px 32px; font-size: 16px; }

.iv-step__time { text-align: center; color: var(--iv-text-soft); font-size: 12.5px; margin: 18px 0 0; letter-spacing: 0.02em; }

/* Flash error */
.iv-flash {
  position: absolute; top: 16px; left: 50%; transform: translateX(-50%) translateY(-12px);
  background: #fef2f2; color: #c44; border: 1px solid #fecaca; border-radius: 8px;
  padding: 10px 18px; font-size: 14px; font-weight: 600;
  opacity: 0; pointer-events: none; transition: all .25s; max-width: calc(100% - 32px);
  z-index: 100;
}
.iv-flash.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* Success state */
.iv-success {
  text-align: center; padding: 48px 28px;
  background: linear-gradient(135deg, #f4faf6 0%, #e8f3ec 100%);
  border-radius: var(--iv-radius); border: 1px solid #c8e0d2;
}
.iv-success__icon {
  width: 72px; height: 72px; margin: 0 auto 18px; border-radius: 50%;
  background: var(--iv-success); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 36px; font-weight: 800;
  box-shadow: 0 12px 32px rgba(47, 158, 107, 0.3);
}
.iv-success h2 { color: var(--zh-primary, #2E5A4C); margin: 0 0 12px; font-size: 26px; font-weight: 700; }
.iv-success p { color: var(--iv-text); max-width: 540px; margin: 0 auto 24px; line-height: 1.65; font-size: 15.5px; }

/* ---------- TRUST SIDEBAR (Why verify) ---------- */
.iv-why { display: flex; flex-direction: column; gap: 24px; }
.iv-why__card {
  background: #fff; border: 1px solid var(--iv-border); border-radius: var(--iv-radius);
  padding: 22px 24px; transition: transform .2s, box-shadow .2s;
}
.iv-why__card:hover { transform: translateY(-2px); box-shadow: var(--iv-shadow-md); }
.iv-why__icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, var(--zh-primary, #2E5A4C), var(--zh-secondary, #4A7C6F));
  color: #fff; display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.iv-why__icon svg { width: 22px; height: 22px; }
.iv-why__card h4 { font-size: 16px; color: var(--iv-text); margin: 0 0 8px; font-weight: 700; }
.iv-why__card p { color: var(--iv-text-soft); font-size: 14px; line-height: 1.55; margin: 0; }

.iv-trust-statements {
  background: var(--zh-light, #F5F5F0); border-radius: var(--iv-radius);
  padding: 24px 26px; margin-top: 4px;
}
.iv-trust-statements__row {
  display: flex; align-items: center; gap: 12px; padding: 8px 0;
  font-size: 14px; color: var(--iv-text);
}
.iv-trust-statements__row svg { width: 18px; height: 18px; color: var(--zh-primary, #2E5A4C); flex-shrink: 0; }

/* ---------- WHAT YOU'LL KNOW ---------- */
.iv-info { background: #fafaf6; padding: 72px 0; }
.iv-info__header { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.iv-info__header h2 { font-size: clamp(26px, 3vw, 34px); font-weight: 700; color: var(--zh-primary, #2E5A4C); margin: 0 0 12px; letter-spacing: -0.01em; }
.iv-info__header p { color: var(--iv-text-soft); margin: 0; font-size: 16px; }
.iv-info__grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
}
@media (max-width: 980px) { .iv-info__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .iv-info__grid { grid-template-columns: 1fr; } }
.iv-info__card {
  background: #fff; border: 1px solid var(--iv-border); border-radius: var(--iv-radius);
  padding: 28px 24px; text-align: left; transition: transform .2s, box-shadow .2s;
}
.iv-info__card:hover { transform: translateY(-3px); box-shadow: var(--iv-shadow-md); }
.iv-info__card-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: linear-gradient(135deg, var(--zh-primary, #2E5A4C), var(--zh-secondary, #4A7C6F));
  color: #fff; display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.iv-info__card-icon svg { width: 22px; height: 22px; }
.iv-info__card h3 { font-size: 16px; color: var(--iv-text); margin: 0 0 8px; font-weight: 700; }
.iv-info__card p { color: var(--iv-text-soft); font-size: 14px; line-height: 1.55; margin: 0; }

/* ---------- SELF-PAY + GFE BLOCKS ---------- */
.iv-extra-row { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 36px; }
@media (max-width: 760px) { .iv-extra-row { grid-template-columns: 1fr; } }
.iv-extra-block {
  border-radius: var(--iv-radius); padding: 26px 28px;
  border: 1px solid var(--iv-border); background: #fff;
}
.iv-extra-block--selfpay { background: linear-gradient(135deg, #fff8ee 0%, #fdf1de 100%); border-color: #f3dab0; }
.iv-extra-block--gfe { background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%); border-color: #bbf7d0; }
.iv-extra-block h4 { font-size: 17px; font-weight: 700; margin: 0 0 8px; color: var(--iv-text); display: flex; align-items: center; gap: 10px; }
.iv-extra-block p { color: var(--iv-text); font-size: 14.5px; line-height: 1.6; margin: 0 0 12px; }
.iv-extra-block a { color: var(--zh-primary, #2E5A4C); font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.iv-extra-block a:hover { text-decoration: underline; }
.iv-extra-block--gfe h4 { color: #166534; }
.iv-extra-block--gfe a { color: #166534; }

/* ---------- FAQ ---------- */
.iv-faq-section { background: #fff; padding: 72px 0; }
.iv-faq-section h2 { text-align: center; font-size: clamp(26px, 3vw, 34px); font-weight: 700; color: var(--zh-primary, #2E5A4C); margin: 0 0 36px; letter-spacing: -0.01em; }
.iv-faq-list { max-width: 820px; margin: 0 auto; }
.iv-faq-item { background: #fff; border: 1px solid var(--iv-border); border-radius: var(--iv-radius-sm); margin-bottom: 12px; transition: box-shadow .2s; }
.iv-faq-item:hover { box-shadow: var(--iv-shadow-sm); }
.iv-faq-q {
  padding: 18px 24px; font-weight: 600; color: var(--iv-text); cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-size: 15.5px; line-height: 1.5;
}
.iv-faq-q:hover { background: #fafaf6; }
.iv-faq-q::after {
  content: '+'; font-size: 22px; font-weight: 400; color: var(--zh-warm, #D4A574);
  flex-shrink: 0; transition: transform .2s;
}
.iv-faq-q.active { color: var(--zh-primary, #2E5A4C); }
.iv-faq-q.active::after { content: '\2212'; color: var(--zh-primary, #2E5A4C); }
.iv-faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease, padding .3s ease; padding: 0 24px; color: var(--iv-text-soft); line-height: 1.7; font-size: 15px; }
.iv-faq-a.open { max-height: 500px; padding: 0 24px 18px; }
.iv-faq-a a { color: var(--zh-primary, #2E5A4C); font-weight: 600; }

/* ---------- HONEYPOT ---------- */
.iv-honeypot { position: absolute; left: -5000px; top: -5000px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- ACCESSIBILITY HELPERS ---------- */
.iv-sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
[hidden] { display: none !important; }