/* ── Insurance Verification Form ────────────────────────────────── */

.bdc-v3 .bdc-insurance-form {
  background: var(--bdc-surface);
  border: 1px solid var(--bdc-line);
  border-radius: var(--bdc-r-lg);
  padding: 24px;
  display: grid;
  gap: 20px;
  box-shadow: var(--bdc-shadow-card);
}

@media (min-width: 768px) {
  .bdc-v3 .bdc-insurance-form { padding: 32px; gap: 24px; }
}

.bdc-v3 .bdc-insurance-form__heading {
  margin: 0;
  font-family: var(--bdc-serif, Newsreader, serif);
  font-size: 24px;
  line-height: 1.15;
  font-weight: 600;
  color: var(--bdc-ink);
  letter-spacing: -0.5px;
}

@media (min-width: 768px) {
  .bdc-v3 .bdc-insurance-form__heading { font-size: 32px; }
}

.bdc-v3 .bdc-insurance-form__lead {
  margin: 0;
  color: var(--bdc-ink-2);
  font-size: 16px;
  line-height: 1.55;
}

/* ── Honeypot — visually hidden, accessible ──────────────────────── */
.bdc-v3 .bdc-insurance-form__honeypot {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ── Field group (fieldset) ──────────────────────────────────────── */
.bdc-v3 .bdc-insurance-form__group {
  border: 1px solid var(--bdc-line);
  border-radius: var(--bdc-r-md);
  padding: 16px;
  margin: 0;
  display: grid;
  gap: 16px;
}

.bdc-v3 .bdc-insurance-form__group legend {
  padding: 0 8px;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--bdc-sage);
}

/* ── Field row (2-column on tablet+) ─────────────────────────────── */
.bdc-v3 .bdc-insurance-form__row {
  display: grid;
  gap: 16px;
  grid-template-columns: 1fr;
}

@media (min-width: 600px) {
  .bdc-v3 .bdc-insurance-form__row {
    grid-template-columns: 1fr 1fr;
  }
}

.bdc-v3 .bdc-insurance-form__field {
  display: grid;
  gap: 6px;
}

.bdc-v3 .bdc-insurance-form__field--full {
  grid-column: 1 / -1;
}

.bdc-v3 .bdc-insurance-form__field label {
  font-size: 14px;
  font-weight: 600;
  color: var(--bdc-ink);
}

.bdc-v3 .bdc-insurance-form__field label span[aria-hidden] {
  color: var(--bdc-accent);
  margin-left: 2px;
}

.bdc-v3 .bdc-insurance-form__optional {
  font-weight: 400;
  color: var(--bdc-ink-2);
  font-size: 12px;
}

.bdc-v3 .bdc-insurance-form__field input,
.bdc-v3 .bdc-insurance-form__field select,
.bdc-v3 .bdc-insurance-form__field textarea {
  width: 100%;
  padding: 10px 12px;
  font-size: 16px; /* prevent iOS zoom on focus */
  line-height: 1.4;
  border: 1px solid var(--bdc-line);
  border-radius: var(--bdc-r-sm);
  background: #fff;
  color: var(--bdc-ink);
  font-family: inherit;
  transition: border-color 150ms ease, box-shadow 150ms ease;
}

.bdc-v3 .bdc-insurance-form__field input:focus,
.bdc-v3 .bdc-insurance-form__field select:focus,
.bdc-v3 .bdc-insurance-form__field textarea:focus {
  outline: none;
  border-color: var(--bdc-sage);
  box-shadow: 0 0 0 3px rgba(31, 63, 51, 0.12);
}

.bdc-v3 .bdc-insurance-form__field input[aria-invalid="true"],
.bdc-v3 .bdc-insurance-form__field select[aria-invalid="true"],
.bdc-v3 .bdc-insurance-form__field textarea[aria-invalid="true"] {
  border-color: var(--bdc-accent);
  background: #fef9f5;
}

/* ── Radios ─────────────────────────────────────────────────────── */
.bdc-v3 .bdc-insurance-form__radios {
  display: grid;
  gap: 8px;
}

@media (min-width: 600px) {
  .bdc-v3 .bdc-insurance-form__radios {
    grid-template-columns: 1fr 1fr;
  }
}

.bdc-v3 .bdc-insurance-form__radio {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  border: 1px solid var(--bdc-line);
  border-radius: var(--bdc-r-sm);
  cursor: pointer;
  font-size: 15px;
  transition: border-color 150ms ease, background 150ms ease;
}

.bdc-v3 .bdc-insurance-form__radio:hover {
  border-color: var(--bdc-sage);
  background: var(--bdc-sage-soft, #e2ebe5);
}

.bdc-v3 .bdc-insurance-form__radio input { margin: 0; }

/* ── Consent ────────────────────────────────────────────────────── */
.bdc-v3 .bdc-insurance-form__consent {
  display: grid;
  gap: 6px;
}

.bdc-v3 .bdc-insurance-form__consent label {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 12px;
  align-items: start;
  font-size: 14px;
  line-height: 1.5;
  color: var(--bdc-ink-2);
}

.bdc-v3 .bdc-insurance-form__consent input {
  margin-top: 3px;
}

/* ── Error messages ─────────────────────────────────────────────── */
.bdc-v3 .bdc-insurance-form__error {
  display: block;
  min-height: 1.2em;
  color: var(--bdc-accent);
  font-size: 13px;
  font-weight: 500;
}

.bdc-v3 .bdc-insurance-form__error:empty {
  min-height: 0;
}

/* ── Actions ────────────────────────────────────────────────────── */
.bdc-v3 .bdc-insurance-form__actions {
  display: flex;
  justify-content: stretch;
}

.bdc-v3 .bdc-insurance-form__submit {
  flex: 1;
  padding: 14px 24px;
  font-size: 16px;
  font-weight: 600;
  font-family: inherit;
  background: var(--bdc-sage);
  color: #fff;
  border: 0;
  border-radius: var(--bdc-r-sm);
  cursor: pointer;
  transition: background 150ms ease, transform 80ms ease;
}

.bdc-v3 .bdc-insurance-form__submit:hover {
  background: var(--bdc-sage-2, #2e5446);
}

.bdc-v3 .bdc-insurance-form__submit:active {
  transform: translateY(1px);
}

.bdc-v3 .bdc-insurance-form__submit:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}

@media (min-width: 600px) {
  .bdc-v3 .bdc-insurance-form__actions { justify-content: flex-end; }
  .bdc-v3 .bdc-insurance-form__submit  { flex: 0; min-width: 220px; }
}

/* ── Status (after submit) ──────────────────────────────────────── */
.bdc-v3 .bdc-insurance-form__status:empty { display: none; }

.bdc-v3 .bdc-insurance-form__status {
  padding: 16px 18px;
  border-radius: var(--bdc-r-sm);
  font-size: 15px;
  line-height: 1.5;
}

.bdc-v3 .bdc-insurance-form__status--ok {
  background: var(--bdc-sage-soft, #e2ebe5);
  border-left: 4px solid var(--bdc-sage);
  color: var(--bdc-sage);
}

.bdc-v3 .bdc-insurance-form__status--err {
  background: #fef0ea;
  border-left: 4px solid var(--bdc-accent);
  color: #8b4423;
}

/* ── Submitting state — hide form, show spinner ─────────────────── */
.bdc-v3 .bdc-insurance-form[data-bdc-submitting] .bdc-insurance-form__submit {
  position: relative;
  color: transparent;
}

.bdc-v3 .bdc-insurance-form[data-bdc-submitting] .bdc-insurance-form__submit::after {
  content: "";
  position: absolute;
  inset: 0;
  margin: auto;
  width: 18px;
  height: 18px;
  border: 2px solid rgba(255, 255, 255, 0.4);
  border-top-color: #fff;
  border-radius: 50%;
  animation: bdc-spin 700ms linear infinite;
}

@keyframes bdc-spin {
  to { transform: rotate(360deg); }
}