/* =========================================================
   CLAIMS PAGE STYLES (claims.php)
   Matches classes used in claims.php:
   .claims-trust-wrap, .claims-steps-wrap, .claim-guide-wrap, etc.
========================================================= */

:root{
  --ncia-red:#d61f26;
  --ncia-maroon:#7a1216; /* deep band color */
  --card-radius:16px;
}

/* Shared page gutters */
.claims-trust-wrap .container-fluid,
.claims-steps-wrap .container-fluid,
.claim-guide-wrap .container-fluid{
  max-width: 1240px;
  margin: 0 auto;
}

/* ---------- TRUST + METRICS ---------- */
.claims-trust-wrap{
  background:#fff;
  padding: 56px 0 28px;
}

.claims-trust-title{
  font-size: clamp(28px, 3.2vw, 40px);
  line-height: 1.15;
  font-weight: 800;
  margin: 0;
}

.claims-trust-sub{
  color: rgba(0,0,0,.65);
  margin: 0;
  max-width: 520px;
}

.claims-metrics-row{ gap: 16px !important; }

.claims-metric-card{
  width: 150px;
  border: 4px solid rgba(122,18,22,.35);
  border-radius: 14px;
  padding: 14px 14px 12px;
  background:#fff;
  text-align: center;
}


.metric-icon{
  display: flex;
  align-items: center;
  justify-content: center;
}

.metric-icon img{
  width: 66px;
  height: 66px;
  object-fit: contain;
  display: block;
}



.claims-metric-card .metric-value{
  font-weight: 900;
  color: var(--ncia-maroon);
  font-size: 22px;
  line-height: 1.5;
  margin-bottom: 6px;
}

.claims-metric-card .metric-label{
  font-size: 12.5px;
  line-height: 1.2;
  color: rgba(0,0,0,.75);
}

/* ==========================
   MOBILE / TABLET
========================== */

/* Tablet */
@media (max-width: 991px){
  .claims-trust-wrap{
    padding: 44px 0 24px;
  }

  .claims-trust-title{
    font-size: clamp(24px, 4vw, 32px);
  }

  .claims-trust-sub{
    max-width: 100%;
  }

  .claims-metrics-row{
    justify-content: center;
    gap: 14px !important;
  }

  .claims-metric-card{
    width: 140px;
    padding: 12px;
  }

  .metric-icon img{
    width: 58px;
    height: 58px;
  }
}

/* Mobile */
@media (max-width: 575px){
  .claims-trust-wrap{
    padding: 36px 0 20px;
    text-align: center;
  }

  .claims-trust-title{
    font-size: 24px;
    line-height: 1.2;
  }

  .claims-trust-sub{
    font-size: 14px;
    margin: 10px auto 0;
  }

  .claims-metrics-row{
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px !important;
  }

  .claims-metric-card{
  width: calc(33.333% - 12px); /* 3 cards per row */
  max-width: 160px;
  padding: 12px 10px;
}


  .metric-icon img{
    width: 52px;
    height: 52px;
  }

  .claims-metric-card .metric-value{
    font-size: 20px;
  }

  .claims-metric-card .metric-label{
    font-size: 12px;
  }
}

/* Extra small phones */
@media (max-width: 360px){
  .claims-metric-card{
    width: 100%; /* stack if screen is tiny */
    max-width: 220px;
  }
}


/* ---------- HOW TO FILE (BAND) ---------- */
.claims-steps-wrap{
  background: var(--ncia-maroon);
  padding: 38px 0 46px;
  color:#fff;
}

.claims-steps-wrap h2{
  color:#fff;
  text-align: center;
  font-weight: 800;
  margin: 0 0 18px;
  font-size: clamp(22px, 2.4vw, 30px);
}

.claim-step-card{
  background:#fff;
  color:#111;
  border-radius: var(--card-radius);
  padding: 18px 18px 16px;
  height: 100%;
  box-shadow: 0 10px 26px rgba(0,0,0,.14);
}

.step-kicker{
  color: var(--ncia-maroon);
  font-weight: 800;
  font-size: 20px;
  margin-bottom: 6px;
}

.step-title{
  font-weight: 600;
  font-size: 28px;
  margin-bottom: 6px;
}

.claim-step-card p{
  margin: 0;
  color: rgba(0,0,0,.72);
  font-size: 13.5px;
  line-height: 1.35;
}

/* Toggle link (More Details / Hide Details) */
.claims-details-toggle{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #000000;
  text-decoration: none;
  font-weight: 700;
  font-size: 13px;
  padding: 10px 14px;
  border-radius: 999px;
}

.claims-details-toggle:hover{
  color:#000000;
  text-decoration: underline;
}

/* ---------- GUIDE (COLLAPSIBLE) ---------- */
.claim-guide-wrap{
  background:#fff;
  padding: 18px 0 64px;
}

.claim-guide-card{
  border: 1px solid rgba(0,0,0,.10);
  border-radius: 18px;
  padding: 28px 26px;
  background:#fff;
  box-shadow: 0 14px 34px rgba(0,0,0,.08);
}

.claim-guide-card h3{
  font-weight: 900;
  font-size: 22px;
  margin: 0 0 6px;
}

.claim-guide-card .guide-sub{
  color: rgba(0,0,0,.6);
  margin-bottom: 18px;
}

/* guide step rows */
.guide-step{
  display: grid;
  grid-template-columns: 40px 1fr;
  gap: 14px;
  padding: 16px 0;
  border-top: 1px solid rgba(0,0,0,.08);
}

.guide-step:first-of-type{ border-top: 0; }

.guide-step .guide-num{
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--ncia-red);
  color:#fff;
  font-weight: 900;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-top: 2px;
}

.guide-step .guide-kicker{
  color: var(--ncia-red);
  font-weight: 900;
  font-size: 12px;
  letter-spacing: .02em;
}

.guide-step .guide-title{
  font-weight: 900;
  margin: 2px 0 6px;
}

.guide-step p{
  margin: 0 0 10px;
  color: rgba(0,0,0,.68);
  font-size: 13.5px;
  line-height: 1.45;
}

.guide-step a{
  color: var(--ncia-red);
  font-weight: 800;
  text-decoration: none;
}

.guide-step a:hover{
  text-decoration: underline;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 991px){
  .claims-trust-wrap{ padding: 40px 0 18px; }
  .claims-metric-card{ width: 100%; max-width: 220px; }
  .claims-steps-wrap{ padding: 28px 0 34px; }
  .claim-guide-card{ padding: 22px 18px; }
}

@media (max-width: 575px){
  /* reduce heavy px-5 on mobile without editing markup */
  .claims-trust-wrap .container-fluid,
  .claims-steps-wrap .container-fluid,
  .claim-guide-wrap .container-fluid{
    padding-left: 1rem !important;
    padding-right: 1rem !important;
  }
}

/* Montserrat font for claims page */
.claims-trust-wrap,
.claims-steps-wrap,
.claim-guide-wrap{
  font-family: 'Montserrat', sans-serif;
}

/* ---------- STEP ARROWS ---------- */
.claims-steps-wrap .row{
  position: relative;
}

.claim-step-card{
  position: relative;
}

/* arrow AFTER step 1 and step 2 */
.claim-step-card::after{
  content: "›";
  position: absolute;
  right: -34px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 34px;
  font-weight: 700;
  color: #ffffff;
  opacity: .9;
}

/* remove arrow on last card */
.claim-step-card:last-child::after{
  display: none;
}

/* hide arrows on tablet + mobile */
@media (max-width: 991px){
  .claim-step-card::after{
    display: none;
  }
}


/* =========================================================
   GUIDE TIMELINE LAYOUT (matches reference)
   Uses .guide-step + .guide-left/.guide-right markup in claims.fixed.php
========================================================= */

.claim-guide-card{
  border-radius: 22px;
}

/* Each step row */
.claim-guide-card .guide-step{
  display: flex;
  gap: 18px;
  padding: 18px 0;
  border-top: 1px solid rgba(0,0,0,.08);
}

.claim-guide-card .guide-step:first-of-type{
  border-top: 0;
}

/* Left column (badge + vertical line) */
.claim-guide-card .guide-left{
  width: 44px;
  position: relative;
  display: flex;
  justify-content: center;
}

/* Vertical line (all but last) */
.claim-guide-card .guide-step:not(.guide-step-last) .guide-left::after{
  content: "";
  position: absolute;
  top: 40px;          /* starts just below badge */
  bottom: 0;
  width: 2px;
  background: rgba(0,0,0,.18);
  border-radius: 2px;
}

/* Number badge */
.claim-guide-card .guide-badge{
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--ncia-red);
  color: #fff;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
}

/* Right column */
.claim-guide-card .guide-right{
  flex: 1;
  min-width: 0;
}

.claim-guide-card .guide-kicker{
  color: var(--ncia-red);
  font-weight: 900;
  font-size: 12px;
  letter-spacing: .02em;
  margin-bottom: 2px;
}

.claim-guide-card .guide-title{
  font-weight: 900;
  margin-bottom: 8px;
}

.claim-guide-card .guide-right p{
  margin: 0 0 10px;
  color: rgba(0,0,0,.68);
  font-size: 13.5px;
  line-height: 1.45;
}

.claim-guide-card .guide-link{
  color: var(--ncia-red);
  font-weight: 800;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.claim-guide-card .guide-link:hover{
  text-decoration: underline;
}

/* Mobile tweaks */
@media (max-width: 575px){
  .claim-guide-card .guide-step{
    gap: 14px;
    padding: 16px 0;
  }
}

/* ==========================
   CLAIMS BANNER (desktop)
========================== */
section.claims-banner{
  display: flex !important;
  width: 100%;
  height: clamp(220px, 18vw, 320px); /* FIXED/CONTROLLED HEIGHT */
  overflow: hidden;
  border-radius: 0px;
  background: #8f1b1e;
}

section.claims-banner .claims-banner__bg{
  flex: 0 0 38% !important;
  min-width: 320px;
  height: 100%;
  background-image: url("../img/claims1.jpg"); /* your working path */
  background-size: cover;
  background-position: 20% center; /* shows more of the lady */
  background-repeat: no-repeat;
}

section.claims-banner .claims-banner__content{
  flex: 1 1 auto !important;
  height: 100%;
  padding: 34px 46px;
  color: #fff;
  position: relative;
  background: #8f1b1e;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* angled shapes */
section.claims-banner .claims-banner__content::before,
section.claims-banner .claims-banner__content::after{
  content: "";
  position: absolute;
  inset: auto 0 0 auto;
  width: 55%;
  height: 100%;
  pointer-events: none;
}

section.claims-banner .claims-banner__content::before{
  background: #b0161b;
  clip-path: polygon(55% 0, 100% 0, 100% 100%, 0 100%);
  opacity: 0.9;
}

section.claims-banner .claims-banner__content::after{
  background: #cf1b22;
  clip-path: polygon(75% 0, 100% 0, 100% 100%, 20% 100%);
  opacity: 0.8;
}

section.claims-banner .claims-banner__content h2,
section.claims-banner .claims-banner__content p,
section.claims-banner .claims-banner__btn{
  position: relative;
  z-index: 2;
}

section.claims-banner .claims-banner__content h2 {
  font-size: 28px;
  margin: 0 0 12px;
}

section.claims-banner .claims-banner__content p {
  margin: 0 0 22px;
  max-width: 520px;
  line-height: 1.5;
}

section.claims-banner .claims-banner__btn {
  display: inline-block;
  background: #fff;
  color: #8f1b1e;
  padding: 12px 22px;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 700;
  max-width: 180px;
}

/* ==========================
   MOBILE
========================== */
@media (max-width: 768px){
  section.claims-banner{
    flex-direction: column;
    height: auto;                 /* allow content to grow */
  }

  section.claims-banner .claims-banner__bg{
    flex: none !important;
    min-width: 0;
    width: 100%;
    height: 190px;                /* fixed mobile image height */
    background-position: center;  /* better on small screens */
  }

  section.claims-banner .claims-banner__content{
    height: auto;
    padding: 22px 18px;
    text-align: center;
    align-items: center;
  }

  /* optional: hide angles on mobile (cleaner + avoids awkward overlays) */
  section.claims-banner .claims-banner__content::before,
  section.claims-banner .claims-banner__content::after{
    display: none;
  }
}

@media (max-width: 400px){
  section.claims-banner .claims-banner__bg{ height: 160px; }
}

/* ==========================
   TESTIMONIALS
========================== */
.claims-testimonials{
  padding: 44px 0 54px;
  background: #fff;
  font-family: 'Montserrat', sans-serif;
}

.claims-testimonials__kicker{
  color: var(--ncia-red);
  font-weight: 800;
  font-size: 13px;
  letter-spacing: .02em;
  margin-bottom: 6px;
}

.claims-testimonials__title{
  font-weight: 800;
  margin: 0;
  font-size: clamp(22px, 2.3vw, 34px);
}

.claims-testimonials__head{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 18px;
}

.claims-testimonials__nav{
  display: flex;
  gap: 10px;
}

.t-btn{
  width: 44px;
  height: 44px;
  border-radius: 999px;
  border: 2px solid rgba(122,18,22,.25);
  background: #fff;
  color: var(--ncia-maroon);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.t-btn:hover{
  border-color: rgba(122,18,22,.45);
}

.t-carousel{
  overflow: hidden;
  position: relative;
}

.t-track{
  display: flex;
  gap: 18px;
  transition: transform .45s ease;
  will-change: transform;
}

.t-card{
  flex: 0 0 calc((100% - 36px) / 3); /* 3 cards desktop */
  background: #fff;
  border: 2px solid rgba(0,0,0,.10);
  border-radius: 18px;
  padding: 18px 18px 16px;
}

.t-stars{
  color: #f5b301; /* star gold */
  font-size: 14px;
  margin-bottom: 10px;
}

.t-quote{
  color: rgba(0,0,0,.70);
  font-size: 14px;
  line-height: 1.45;
  margin: 0 0 14px;
}

.t-person{
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 6px;
}

.t-avatar{
  width: 34px;
  height: 34px;
  border-radius: 999px;
  background: var(--ncia-maroon);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
}

.t-name{
  font-weight: 700;
  color: rgba(0,0,0,.75);
}

/* ==========================
   RESPONSIVE
========================== */
@media (max-width: 991px){
  .t-card{ flex-basis: calc((100% - 18px) / 2); } /* 2 cards tablet */
}

@media (max-width: 575px){
  .claims-testimonials__head{
    flex-direction: column;
    align-items: flex-start;
  }
  .t-card{ flex-basis: 100%; } /* 1 card mobile */
}

/* ==========================
   FAQ (ACCORDION)
========================== */
.claims-faq-wrap{
  padding: 46px 0 56px;
  background: #fff;
}

.claims-faq-title{
  font-weight: 900;
  font-size: clamp(26px, 3vw, 42px);
  margin: 0 0 8px;
  color: rgba(0,0,0,.85);
}

.claims-faq-sub{
  margin: 0 0 22px;
  color: rgba(0,0,0,.60);
}

.claims-faq-item{
  border: 2px solid rgba(0,0,0,.12);
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 10px 26px rgba(0,0,0,.10);
  overflow: hidden;
  margin-bottom: 16px;
}

.claims-faq-btn{
  width: 100%;
  background: #fff;
  border: 0;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  font-weight: 800;
  color: rgba(0,0,0,.78);
  text-align: left;
}

.claims-faq-btn i{
  color: var(--ncia-maroon);
  font-size: 18px;
  transition: transform .2s ease;
}

/* rotate icon when open */
.claims-faq-btn[aria-expanded="true"] i{
  transform: rotate(180deg);
}

.claims-faq-body{
  padding: 0 20px 18px;
  color: rgba(0,0,0,.65);
  line-height: 1.55;
}

/* Mobile spacing */
@media (max-width: 575px){
  .claims-faq-wrap{ padding: 34px 0 44px; }
  .claims-faq-btn{ padding: 16px 16px; }
  .claims-faq-body{ padding: 0 16px 16px; }
}