/* Company Review v1 — prefix: ncr- / nit-co-panel */

/* ── Inline data panel (injected into single.php) ───────── */
.nit-co-panel {
  margin: 40px 0;
  border-top: 2px solid var(--border);
  padding-top: 32px;
}
.nit-co-panel__header {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 10px;
  margin-bottom: 20px;
}
.nit-co-panel__title {
  font-family: var(--font-head);
  font-size: 19px;
  color: var(--ink);
  margin: 0;
}
.nit-co-panel__source {
  font-size: 11px;
  color: var(--ink-s);
  white-space: nowrap;
}
.nit-co-panel__section {
  margin-top: 28px;
}
.nit-co-panel__section-title {
  font-family: var(--font-head);
  font-size: 16px;
  color: var(--ink);
  margin: 0 0 3px;
}
.nit-co-panel__section-sub {
  font-size: 13px;
  color: var(--ink-s);
  margin: 0 0 14px;
}
.nit-co-panel__links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 24px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.nit-co-panel__links a {
  font-size: 13px;
  color: var(--red);
  text-decoration: none;
}
.nit-co-panel__links a:hover { text-decoration: underline; }

/* ── Layout ─────────────────────────────────────────────── */
.ncr-wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 20px 60px;
}

/* ── Hero ───────────────────────────────────────────────── */
.ncr-hero {
  padding: 48px 20px 40px;
  text-align: center;
  margin-bottom: 36px;
}
.ncr-hero-inner { max-width: 720px; margin: 0 auto; }

.ncr-hero-badge {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  margin-bottom: 14px;
  color: var(--white);
}
.ncr-hero-h1 {
  font-family: var(--font-head);
  font-size: clamp(24px, 4.5vw, 38px);
  color: var(--ink);
  margin: 0 0 12px;
  line-height: 1.2;
}
.ncr-hero-sub {
  font-size: 15px;
  color: var(--ink-s);
  margin: 0;
  line-height: 1.6;
}

/* ── Section ────────────────────────────────────────────── */
.ncr-section { margin-bottom: 52px; }
.ncr-section-title {
  font-family: var(--font-head);
  font-size: 19px;
  color: var(--ink);
  margin: 0 0 4px;
}
.ncr-section-sub {
  font-size: 13.5px;
  color: var(--ink-s);
  margin: 0 0 20px;
  line-height: 1.55;
}

/* ── Stats bar ──────────────────────────────────────────── */
.ncr-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 2px;
  background: var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 36px;
}
.ncr-stat {
  flex: 1;
  min-width: 120px;
  background: var(--white);
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.ncr-stat-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--ink-s);
}
.ncr-stat-value {
  font-family: var(--font-head);
  font-size: 22px;
  color: var(--ink);
  line-height: 1;
}
.ncr-stat-note {
  font-size: 11px;
  color: var(--ink-s);
}
.ncr-stat--na .ncr-stat-value { color: var(--ink-s); font-size: 16px; }

/* ── Claim trend ────────────────────────────────────────── */
.ncr-claim-wrap { margin-bottom: 28px; }
.ncr-claim-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 13px;
  color: var(--ink-s);
  margin-bottom: 6px;
}
.ncr-claim-label strong { color: var(--ink); }

/* ── Plan table ─────────────────────────────────────────── */
.ncr-plan-table-wrap {
  overflow-x: auto;
  margin-bottom: 8px;
}
.ncr-plan-table {
  width: 100%;
  min-width: 560px;
  border-collapse: collapse;
  font-size: 13.5px;
}
.ncr-plan-table th {
  background: var(--bg);
  padding: 10px 14px;
  text-align: left;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--ink-s);
  border-bottom: 2px solid var(--border);
  white-space: nowrap;
}
.ncr-plan-table td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--ink-m);
  vertical-align: top;
}
.ncr-plan-table tr:last-child td { border-bottom: none; }
.ncr-plan-table .ncr-td-plan { font-weight: 600; color: var(--ink); }
.ncr-td-stars { white-space: nowrap; color: #F59E0B; letter-spacing: 2px; }
.ncr-td-irr-na { color: var(--ink-s); font-style: italic; font-size: 12px; }
.ncr-td-comm-high { color: var(--red); font-weight: 700; }
.ncr-td-comm-low  { color: var(--green); font-weight: 600; }

/* ── Surrender tabs ─────────────────────────────────────── */
.ncr-surr-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 16px;
}
.ncr-surr-tab {
  padding: 7px 16px;
  border: 1px solid var(--border);
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  background: var(--white);
  color: var(--ink-s);
  transition: background .12s, color .12s, border-color .12s;
}
.ncr-surr-tab:hover { border-color: var(--ink-s); color: var(--ink); }
.ncr-surr-tab.ncr-surr-tab--active {
  background: var(--ink);
  border-color: var(--ink);
  color: var(--white);
}
.ncr-surr-panel { display: none; }
.ncr-surr-panel.ncr-surr-panel--visible { display: block; }
.ncr-surr-term-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--ink-s);
  margin-bottom: 6px;
}

/* ── Riders list ────────────────────────────────────────── */
.ncr-riders {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 4px;
}
.ncr-rider-tag {
  display: inline-block;
  padding: 5px 14px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 20px;
  font-size: 12px;
  color: var(--ink-m);
}

/* ── Eligibility grid ───────────────────────────────────── */
.ncr-elig {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 12px;
  margin-bottom: 8px;
}
.ncr-elig-item {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
}
.ncr-elig-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--ink-s);
  margin-bottom: 4px;
}
.ncr-elig-value {
  font-family: var(--font-head);
  font-size: 17px;
  color: var(--ink);
}

/* ── Lead form ──────────────────────────────────────────── */
.ncr-lead {
  background: var(--ink);
  border-radius: var(--radius);
  padding: 36px 32px 32px;
  margin-top: 52px;
}
@media (max-width: 600px) { .ncr-lead { padding: 24px 16px; } }
.ncr-lead-title {
  font-family: var(--font-head);
  font-size: 20px;
  color: var(--white);
  margin: 0 0 6px;
}
.ncr-lead-sub {
  font-size: 13.5px;
  color: rgba(255,255,255,.65);
  margin: 0 0 24px;
}
.ncr-lead-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 14px;
}
@media (max-width: 560px) { .ncr-lead-grid { grid-template-columns: 1fr; } }
.ncr-lead-grid input {
  width: 100%;
  box-sizing: border-box;
  padding: 11px 14px;
  border: 1px solid rgba(255,255,255,.2);
  background: rgba(255,255,255,.08);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-size: 14px;
}
.ncr-lead-grid input::placeholder { color: rgba(255,255,255,.35); }
.ncr-lead-grid input:focus {
  outline: none;
  border-color: rgba(255,255,255,.55);
  background: rgba(255,255,255,.12);
}
.ncr-lead-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}
.ncr-btn {
  display: inline-block;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
  cursor: pointer;
  border: none;
  transition: background .15s, opacity .15s;
}
.ncr-btn--red   { background: var(--red); color: var(--white); }
.ncr-btn--red:hover { background: var(--red-d); }
.ncr-btn--wa    { background: #25D366; color: var(--white); }
.ncr-btn--wa:hover { opacity: .88; }
.ncr-lead-msg {
  font-size: 13px;
  margin-top: 10px;
  min-height: 18px;
  color: rgba(255,255,255,.75);
}
.ncr-lead-msg--ok  { color: #86EFAC; }
.ncr-lead-msg--err { color: #FCA5A5; }

/* ── Bottom nav ─────────────────────────────────────────── */
.ncr-back {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 40px;
}
.ncr-back-link {
  font-size: 13.5px;
  color: var(--ink-s);
  text-decoration: none;
  border-bottom: 1px solid var(--border);
  transition: color .12s;
}
.ncr-back-link:hover { color: var(--ink); border-color: var(--ink); }
.ncr-404-wrap{max-width:680px;margin:60px auto;padding:0 20px;text-align:center}
.ncr-404-wrap h1{font-size:22px;color:#1a1a1a}
.ncr-404-wrap p{color:#555}
.ncr-404-wrap a{color:#d32f2f}
.nli-bt-claim-bar--curr{margin-top:4px}
.nli-bt-warn-block--mt{margin-top:16px}
.ncr-irr-note{font-size:12px;color:var(--ink-s);margin-top:8px}
.ncr-surrender-link{display:inline-block;margin-top:12px;font-size:12.5px;color:var(--red)}
.ncr-riders-wrap{margin-top:16px}
.ncr-elig-label--mb{margin-bottom:8px}
.ncr-nepse-note{margin-top:16px;font-size:12.5px;color:var(--ink-s)}
.ncr-email-full{grid-column:1/-1}

/* Surrender timeline bar rows */
.nli-bt-surrender-timeline__row{display:flex;align-items:center;gap:10px;padding:7px 0;border-top:1px solid var(--border)}
.nli-bt-surrender-timeline__label{width:46px;flex-shrink:0;font-size:12px;font-weight:600;color:var(--ink-s)}
.nli-bt-surrender-timeline__track{flex:1;height:8px;background:var(--border);border-radius:4px;overflow:hidden}
.nli-bt-surrender-timeline__bar{height:100%;background:var(--green-l,#059669);border-radius:4px;transition:width .4s ease}
.nli-bt-surrender-timeline__pct{width:36px;flex-shrink:0;text-align:right;font-size:12px;font-weight:700;color:var(--ink)}
.ncr-td-premium{font-weight:700;color:var(--ink);white-space:nowrap}
.ncr-td-premium-note{display:block;font-size:10px;font-weight:400;color:var(--ink-s);margin-top:1px}

/* ── Policyholder reviews section ── */
.ncr-reviews-section{border-top:1px solid var(--border,#F1F3F5)}
.ncr-reviews-header{margin-bottom:20px}
.ncr-reviews-agg{display:flex;align-items:center;gap:10px;margin:8px 0 12px;flex-wrap:wrap}
.ncr-agg-stars{color:#D4AC0D;font-size:1.25rem;letter-spacing:1px}
.ncr-agg-meta{font-size:.9rem;color:var(--ink-m,#4B5563);font-weight:500}
.ncr-reviews-intro{font-size:.875rem;color:var(--ink-xs,#6B7280);margin:0;line-height:1.6}
.ncr-review-list{display:flex;flex-direction:column;gap:12px;margin-bottom:20px}
.ncr-review-card{background:#FAFAFA;border:1px solid var(--border,#F1F3F5);border-radius:10px;padding:16px 18px}
.ncr-review-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:6px}
.ncr-reviewer-name{font-weight:600;font-size:.875rem;color:var(--ink,#1F2937)}
.ncr-stars-display{color:#D4AC0D;letter-spacing:1px}
.ncr-recommend-badge{background:#ECFDF5;color:#065F46;border-radius:12px;padding:2px 10px;font-size:11px;font-weight:500}
.ncr-review-text{margin:0;font-size:.875rem;color:var(--ink-m,#4B5563);line-height:1.65;font-style:italic}
.ncr-reviews-footer{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.ncr-reviews-all-link{font-size:.875rem;color:var(--ink-m,#4B5563);text-decoration:underline}
.ncr-write-review-btn{display:inline-block;background:var(--red,#C0392B);color:#fff;border-radius:8px;padding:8px 18px;font-size:.875rem;font-weight:600;text-decoration:none;transition:background .15s}
.ncr-write-review-btn:hover{background:#A93226;color:#fff}
.ncr-no-reviews{color:var(--ink-xs,#6B7280);font-size:.9rem;font-style:italic;margin:4px 0 16px}
.ncr-reviews-hdr{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;flex-wrap:wrap;margin-bottom:20px}
/* Inline review form */
.ncr-form-wrap{background:#F9FAFB;border:1px solid var(--border,#F1F3F5);border-radius:12px;padding:24px;margin-top:20px}
.ncr-form-title{margin:0 0 18px;font-family:var(--font-head);font-size:1.1rem;color:var(--ink,#1F2937)}
.ncr-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
.ncr-form-full{grid-column:1/-1}
.ncr-form-field label{display:block;font-size:.8rem;font-weight:600;color:var(--ink,#1F2937);margin-bottom:5px}
.ncr-form-field label small{font-weight:400;color:var(--ink-xs,#6B7280)}
.ncr-form-field input[type="text"],.ncr-form-field input[type="email"],.ncr-form-field textarea{width:100%;border:1px solid var(--border,#F1F3F5);border-radius:8px;padding:9px 11px;font-size:.875rem;color:var(--ink,#1F2937);background:#fff;box-sizing:border-box;font-family:inherit;transition:border-color .15s}
.ncr-form-field input:focus,.ncr-form-field textarea:focus{border-color:var(--red,#C0392B);outline:none}
.ncr-privacy-note{background:#F0FDF4;border:1px solid #BBF7D0;border-radius:8px;padding:9px 12px;font-size:.775rem;color:#065F46;margin:0;line-height:1.5}
.ncr-stars-input{display:flex;gap:3px}
.ncr-star-btn{background:none;border:none;font-size:1.6rem;cursor:pointer;color:#D4D4D4;transition:color .1s;padding:0;line-height:1}
.ncr-star-btn.lit{color:#D4AC0D}
.ncr-rec-toggle{display:flex;gap:8px}
.ncr-rec-yes,.ncr-rec-no{border:1px solid var(--border,#F1F3F5);border-radius:8px;padding:6px 14px;font-size:.8rem;font-weight:600;cursor:pointer;background:#fff;transition:all .15s}
.ncr-rec-yes.active{background:#ECFDF5;border-color:#065F46;color:#065F46}
.ncr-rec-no.active{background:#FEF2F2;border-color:#D63638;color:#D63638}
.ncr-form-actions{display:flex;gap:10px;margin-bottom:10px;flex-wrap:wrap}
.ncr-submit-btn{background:var(--red,#C0392B);color:#fff;border:none;border-radius:8px;padding:9px 18px;font-size:.875rem;font-weight:600;cursor:pointer;transition:background .15s}
.ncr-submit-btn:hover:not(:disabled){background:#A93226}
.ncr-submit-btn:disabled{opacity:.6;cursor:not-allowed}
.ncr-cancel-btn{background:#fff;border:1px solid var(--border,#F1F3F5);border-radius:8px;padding:9px 14px;font-size:.875rem;color:var(--ink-m,#4B5563);cursor:pointer}
.ncr-form-note{font-size:.775rem;color:var(--ink-xs,#6B7280);margin:0 0 6px}
.ncr-form-msg{margin:6px 0 0;font-size:.875rem;font-weight:500}
.ncr-msg-success{color:#065F46}
.ncr-msg-error{color:#D63638}
@media(max-width:600px){.ncr-form-grid{grid-template-columns:1fr}}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; }
}