/* ==========================================================
   BAYBARS CONSULTING
   Unfallhilfe Stuttgart

   System  : B-KA
   Version : 2.0
   Build   : 2026.08.14
   Status  : Release Candidate

   File    : 10-help-insurance.css
   Doc-ID  : BKA-UHS-CSS-010

   Purpose :
   Page-specific styles for insurance guidance after a traffic accident.

   Copyright (c) 2026 BAYBARS CONSULTING.
   All rights reserved.
========================================================== */
/* ----------------------------------------------------------
   01 Page section rhythm
---------------------------------------------------------- */

.help-insurance-page .insurance-process,
.help-insurance-page .insurance-actions-section,
.help-insurance-page .insurance-communication,
.help-insurance-page .insurance-quota-section,
.help-insurance-page .insurance-deadlines {
  padding: 6rem 0;
}

.help-insurance-page .insurance-process,
.help-insurance-page .insurance-communication,
.help-insurance-page .insurance-review-areas,
.help-insurance-page .insurance-deadlines {
  background: var(--color-surface);
}

.help-insurance-page .insurance-actions-section,
.help-insurance-page .insurance-responsibility,
.help-insurance-page .insurance-quota-section,
.help-insurance-page .help-faq {
  background: var(--color-bg);
}

.help-insurance-page .section-heading-centered {
  max-width: 52rem;
}

.help-insurance-page .section-heading-centered > p:last-child {
  max-width: 46rem;
}

/* ----------------------------------------------------------
   02 Hero question and comparison
---------------------------------------------------------- */

.help-insurance-page .insurance-user-question {
  max-width: 42rem;
  margin: 1.5rem 0 0;
  padding: 1.15rem 1.25rem;
  border-left: 3px solid var(--color-primary);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  background: var(--color-surface);
  color: var(--color-muted);
  font-size: 0.98rem;
  line-height: 1.6;
}

.help-insurance-page .insurance-user-question strong {
  display: block;
  margin-bottom: 0.25rem;
  color: var(--color-text);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.help-insurance-page .insurance-hero .tutorial-hero-grid {
  grid-template-columns:
    minmax(0, 1.18fr)
    minmax(21rem, 0.82fr);
  align-items: center;
  gap: clamp(3rem, 5vw, 5rem);
}

.help-insurance-page .insurance-hero .tutorial-hero-content h1 {
  max-width: 44rem;
}

.help-insurance-page .insurance-interest-card {
  align-self: center;
  min-width: 0;
}

.help-insurance-page .insurance-interest-panel {
  position: relative;
  display: grid;
  gap: 1.6rem;
  min-width: 0;
  padding: clamp(3.75rem, 5vw, 4.25rem) clamp(1.75rem, 3.5vw, 2.25rem)
    clamp(1.75rem, 3.5vw, 2.25rem);
  border-radius: calc(var(--radius-lg) - 0.35rem);
  background: linear-gradient(145deg, rgba(214, 40, 40, 0.035), var(--color-surface) 62%);
}

.help-insurance-page .insurance-interest-label {
  margin: 0 0 0.8rem;
  color: var(--color-text);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1.35;
  text-transform: uppercase;
}

.help-insurance-page .insurance-interest-column ul {
  display: grid;
  gap: 0.85rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.help-insurance-page .insurance-interest-column li {
  position: relative;
  padding-left: 1.55rem;
  color: var(--color-text);
  font-size: 0.96rem;
  line-height: 1.6;
}

.help-insurance-page .insurance-interest-column li::before {
  content: "✓";
  position: absolute;
  top: 0;
  left: 0;
  color: var(--color-primary-hover);
  font-weight: 800;
}

.help-insurance-page .insurance-interest-divider {
  display: flex;
  align-items: center;
}

.help-insurance-page .insurance-interest-divider::before,
.help-insurance-page .insurance-interest-divider::after {
  content: "";
  flex: 1 1 auto;
  height: 1px;
  background: var(--color-border);
}

/* ----------------------------------------------------------
   03 Insurance process
---------------------------------------------------------- */

.help-insurance-page .insurance-process-flow {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.5rem;
}

.help-insurance-page .insurance-process-flow .process-card {
  display: flex;
  flex-direction: column;
  min-width: 0;
  min-height: 100%;
}

.help-insurance-page .insurance-process-flow .process-card h3 {
  margin-bottom: 1rem;
}

.help-insurance-page .insurance-process-flow .process-card p:last-child {
  margin-bottom: 0;
}

.help-insurance-page .insurance-process-note {
  margin-top: 2rem;
}

/* ----------------------------------------------------------
   04 Avoid / do guidance
---------------------------------------------------------- */

.help-insurance-page .insurance-action-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: stretch;
  gap: 1.5rem;
}

.help-insurance-page .insurance-action-grid .knowledge-note {
  height: 100%;
  min-width: 0;
  padding: clamp(1.5rem, 3vw, 2rem);
}

.help-insurance-page .insurance-action-grid .help-topic-list {
  grid-template-columns: 1fr;
  gap: 0.85rem;
  margin: 1.25rem 0 0;
}

/* ----------------------------------------------------------
   05 Communication section
---------------------------------------------------------- */

.help-insurance-page .insurance-communication-shell {
  display: grid;
  grid-template-columns:
    minmax(0, 1.35fr)
    minmax(18rem, 0.65fr);
  align-items: center;
  gap: clamp(2.5rem, 5vw, 4.5rem);
}

.help-insurance-page .insurance-communication-content {
  min-width: 0;
  max-width: 48rem;
}

.help-insurance-page .insurance-communication-content h2 {
  max-width: 46rem;
  margin: 0.75rem 0 1.25rem;
  color: var(--color-text);
  font-size: clamp(2rem, 3.5vw, 3.2rem);
  line-height: 1.08;
  letter-spacing: -0.035em;
}

.help-insurance-page .insurance-communication-content > p {
  max-width: 46rem;
  margin: 0 0 1rem;
  color: var(--color-muted);
  line-height: 1.72;
}

.help-insurance-page .insurance-communication-content > p:last-of-type {
  margin-bottom: 0;
}

.help-insurance-page .insurance-communication-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.25rem;
  margin-top: 2rem;
}

.help-insurance-page .insurance-communication-note {
  align-self: center;
  padding: clamp(1.5rem, 3vw, 2rem);
}

/* ----------------------------------------------------------
   06 Help Topic Layout
---------------------------------------------------------- */

.help-insurance-page .insurance-responsibility .help-topic-section {
  scroll-margin-top: 8.5rem;
}

.help-insurance-page .insurance-responsibility .horizontal-nav {
  margin: 1.25rem 0;
}

.help-insurance-page .insurance-responsibility .help-topic-section > p:last-child {
  margin-bottom: 0;
}

/* ----------------------------------------------------------
   07 Review-area cards
---------------------------------------------------------- */

.help-insurance-page .insurance-review-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: stretch;
}

.help-insurance-page .insurance-review-grid .situation-card {
  min-width: 0;
}

/* ----------------------------------------------------------
   08 Liability quota
---------------------------------------------------------- */

.help-insurance-page .insurance-quota-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  align-items: stretch;
  gap: 1.5rem;
}

.help-insurance-page .insurance-quota-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-width: 0;
  height: 100%;
  padding: clamp(1.5rem, 3vw, 2rem);
  overflow: hidden;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  box-shadow: var(--shadow-soft);
}

.help-insurance-page .insurance-quota-card::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  left: 0;
  height: 0.3rem;
  background: var(--color-primary);
}

.help-insurance-page .insurance-quota-value {
  margin: 0 0 1.25rem;
  color: var(--color-primary);
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.045em;
  font-variant-numeric: tabular-nums;
}

.help-insurance-page .insurance-quota-card h3 {
  margin: 0 0 1rem;
  color: var(--color-text);
  font-size: clamp(1.2rem, 2vw, 1.45rem);
  line-height: 1.25;
}

.help-insurance-page .insurance-quota-card p:last-child {
  margin: 0;
  color: var(--color-muted);
  line-height: 1.65;
}

.help-insurance-page .insurance-quota-note {
  margin-top: 2rem;
}

/* ----------------------------------------------------------
   09 Regulation timeline
---------------------------------------------------------- */

.help-insurance-page .insurance-timeline {
  position: relative;
  display: grid;
  width: min(100%, 56rem);
  margin: 0 auto;
  padding: 0;
  list-style: none;
}

.help-insurance-page .insurance-timeline::before {
  content: "";
  position: absolute;
  top: 1.5rem;
  bottom: 1.5rem;
  left: 1.5rem;
  width: 2px;
  background: var(--color-border);
}

.help-insurance-page .insurance-timeline-item {
  position: relative;
  display: grid;
  grid-template-columns: 3rem minmax(0, 1fr);
  gap: 1.5rem;
  padding-bottom: 1.5rem;
}

.help-insurance-page .insurance-timeline-item:last-child {
  padding-bottom: 0;
}

.help-insurance-page .insurance-timeline-marker {
  position: relative;
  z-index: 1;
  display: grid;
  width: 3rem;
  height: 3rem;
  place-items: center;
  border: 2px solid var(--color-primary);
  border-radius: var(--radius-pill);
  background: var(--color-bg);
  color: var(--color-primary);
  font-size: 0.78rem;
  font-weight: 800;
}

.help-insurance-page .insurance-timeline-content {
  min-width: 0;
  padding: 1.75rem 2rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-bg);
  box-shadow: var(--shadow-soft);
}

.help-insurance-page .insurance-timeline-content h3 {
  margin: 0 0 0.75rem;
  color: var(--color-text);
  font-size: clamp(1.25rem, 2.2vw, 1.6rem);
  line-height: 1.25;
}

.help-insurance-page .insurance-timeline-content > p:last-child {
  margin: 0;
  color: var(--color-muted);
  line-height: 1.68;
}

/* ----------------------------------------------------------
   10 FAQ and final CTA
---------------------------------------------------------- */

.help-insurance-page .help-faq {
  padding: 6rem 0;
}

.help-insurance-page .help-faq .faq-list {
  max-width: 54rem;
  margin-inline: auto;
}

.help-insurance-page .insurance-final-cta .help-final-cta-shell {
  align-items: center;
  gap: clamp(2.5rem, 5vw, 4rem);
}

/* ----------------------------------------------------------
   11 Progressive animation
---------------------------------------------------------- */

.has-visualization-observer .help-insurance-page .insurance-interest-column,
.has-visualization-observer .help-insurance-page .insurance-process-flow .process-card,
.has-visualization-observer .help-insurance-page .insurance-quota-card,
.has-visualization-observer .help-insurance-page .insurance-timeline-item {
  opacity: 0;
  transform: translateY(0.75rem);
  transition:
    opacity 500ms ease,
    transform 650ms cubic-bezier(0.22, 1, 0.36, 1);
}

.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-interest-column,
.has-visualization-observer .help-insurance-page [data-visualization].is-visible .process-card,
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-quota-card,
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-timeline-item {
  opacity: 1;
  transform: translateY(0);
}

.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-interest-column:nth-child(2),
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .process-card:nth-child(2),
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-quota-card:nth-child(2),
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-timeline-item:nth-child(2) {
  transition-delay: 90ms;
}

.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .process-card:nth-child(3),
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-quota-card:nth-child(3),
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-timeline-item:nth-child(3) {
  transition-delay: 180ms;
}

.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .process-card:nth-child(4),
.has-visualization-observer
  .help-insurance-page
  [data-visualization].is-visible
  .insurance-timeline-item:nth-child(4) {
  transition-delay: 270ms;
}

/* ----------------------------------------------------------
   12 Responsive
---------------------------------------------------------- */

@media (max-width: 1100px) {
  .help-insurance-page .insurance-hero .tutorial-hero-grid {
    grid-template-columns:
      minmax(0, 1.08fr)
      minmax(19rem, 0.92fr);
    gap: 3rem;
  }
}

@media (max-width: 900px) {
  .help-insurance-page .insurance-hero .tutorial-hero-grid,
  .help-insurance-page .insurance-communication-shell {
    grid-template-columns: 1fr;
  }

  .help-insurance-page .insurance-interest-card,
  .help-insurance-page .insurance-communication-note {
    width: min(100%, 46rem);
  }

  .help-insurance-page .insurance-responsibility .horizontal-nav {
    margin: 1rem 0;
  }

  .help-insurance-page .insurance-quota-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .help-insurance-page .insurance-quota-card:last-child {
    grid-column: 1 / -1;
  }
}

@media (max-width: 700px) {
  .help-insurance-page .insurance-process,
  .help-insurance-page .insurance-actions-section,
  .help-insurance-page .insurance-communication,
  .help-insurance-page .insurance-quota-section,
  .help-insurance-page .insurance-deadlines,
  .help-insurance-page .help-faq {
    padding: 4.5rem 0;
  }

  .help-insurance-page .insurance-user-question {
    max-width: none;
    padding: 0.9rem 1rem;
    font-size: 0.94rem;
  }

  .help-insurance-page .insurance-hero .tutorial-hero-content h1 {
    max-width: 22rem;
  }

  .help-insurance-page .insurance-process-flow,
  .help-insurance-page .insurance-action-grid,
  .help-insurance-page .insurance-review-grid,
  .help-insurance-page .insurance-quota-grid {
    grid-template-columns: 1fr;
    gap: 1rem;
  }

  .help-insurance-page .insurance-quota-card:last-child {
    grid-column: auto;
  }

  .help-insurance-page .insurance-communication-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.75rem;
  }

  .help-insurance-page .insurance-communication-actions .btn,
  .help-insurance-page .insurance-communication-actions .help-secondary-action {
    width: 100%;
    min-width: 0;
    justify-content: center;
    text-align: center;
    white-space: normal;
  }

  .help-insurance-page .insurance-review-grid .situation-card {
    min-height: 0;
  }

  .help-insurance-page .insurance-timeline::before {
    left: 1.25rem;
  }

  .help-insurance-page .insurance-timeline-item {
    grid-template-columns: 2.5rem minmax(0, 1fr);
    gap: 1rem;
    padding-bottom: 1rem;
  }

  .help-insurance-page .insurance-timeline-marker {
    width: 2.5rem;
    height: 2.5rem;
    font-size: 0.72rem;
  }

  .help-insurance-page .insurance-timeline-content {
    padding: 1.35rem;
    border-radius: var(--radius-md);
  }
}

/* ----------------------------------------------------------
   13 Reduced motion
---------------------------------------------------------- */

@media (prefers-reduced-motion: reduce) {
  .has-visualization-observer .help-insurance-page .insurance-interest-column,
  .has-visualization-observer .help-insurance-page .insurance-process-flow .process-card,
  .has-visualization-observer .help-insurance-page .insurance-quota-card,
  .has-visualization-observer .help-insurance-page .insurance-timeline-item {
    opacity: 1;
    transform: none;
    transition: none;
  }
}