/* ===========================================================
   HOUSE OF SKORIA — ASSESSMENT POLICY
   =========================================================== */

.policy-hero{
  min-height: clamp(380px, 50vh, 500px);
  display: flex;
  align-items: center;
  overflow: hidden;
  isolation: isolate;
  background:
    radial-gradient(circle at 78% 30%, rgba(201,182,140,0.13), transparent 30%),
    linear-gradient(135deg, #1b140c 0%, #261c11 58%, #120d08 100%);
  color: var(--light);
}

.policy-hero::before{
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  opacity: 0.28;
  background-image:
    linear-gradient(rgba(248,245,239,0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(248,245,239,0.045) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to bottom, transparent, #000 30%, #000);
}

.policy-hero-inner{
  width: 100%;
  padding-top: var(--header-h);
  padding-bottom: 0;
}

.policy-hero h1{
  max-width: 950px;
  color: var(--light);
  font-size: clamp(3.25rem, 7.6vw, 4rem);
  line-height: 0.92;
  text-wrap: balance;
  animation: policy-title-in 1s var(--ease-soft) both;
}

.policy-hero-mark{
  position: absolute;
  right: clamp(-2rem, 6vw, 7rem);
  top: 50%;
  width: clamp(240px, 34vw, 520px);
  transform: translateY(-45%);
  opacity: 0.045;
  pointer-events: none;
}

.policy-hero-mark img{ width: 100%; }

.policy-hero-line{
  position: absolute;
  left: var(--gutter);
  bottom: 0;
  width: min(34vw, 380px);
  height: 3px;
  background: var(--bronze-soft);
  transform-origin: left;
  animation: policy-line-in 1.2s 0.25s var(--ease-soft) both;
}

@keyframes policy-title-in{
  from{ opacity: 0; transform: translateY(28px); }
  to{ opacity: 1; transform: translateY(0); }
}

@keyframes policy-line-in{
  from{ transform: scaleX(0); }
  to{ transform: scaleX(1); }
}

.policy-section{
  padding-block: clamp(2.5rem, 0vw, 0rem);
}

.policy-section--opening{ background: var(--bg-accent); }

.policy-layout{ display: grid; gap: clamp(1.5rem, 9vw, 0rem); }

.policy-block{
  display: block;
  padding-bottom: clamp(4rem, 8vw, 0rem);
  border-bottom: 1px solid var(--line);
}

.policy-block:last-child{ padding-bottom: 0; border-bottom: 0; }

.policy-copy{ max-width: 980px; }

.policy-copy h2,
.scenario-card h2,
.inspection-fee h2{
  font-size: clamp(2.15rem, 4.2vw, 2.7rem);
  margin-bottom: var(--sp-5);
}

.policy-copy > p + p{ margin-top: var(--sp-3); }

.policy-list{
  display: grid;
  gap: 0;
  margin: var(--sp-5) 0 0;
  padding: 0;
  list-style: none;
}

.policy-list li{
  position: relative;
  min-height: 48px;
  padding: 0.7rem 0.75rem 0.7rem 1.75rem;
  border-bottom: 1px solid var(--line);
  color: var(--ink-soft);
}

.policy-list li::before{
  content: "";
  position: absolute;
  left: 0;
  top: 1.35rem;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--bronze);
  transition: transform var(--dur-fast) var(--ease);
}

.policy-list li:hover::before{ transform: scale(1.7); }

.policy-list--columns,
.policy-list--checks{
  grid-template-columns: repeat(2, minmax(0, 1fr));
  column-gap: var(--sp-7);
}

.policy-list--checks{ grid-template-columns: repeat(3, minmax(0, 1fr)); }

.policy-notice{
  position: relative;
  margin-top: var(--sp-7);
  padding: clamp(1.5rem, 4vw, 2.75rem);
  overflow: hidden;
  background: var(--dark);
  color: rgba(248,245,239,0.82);
  box-shadow: var(--shadow-card);
}

.policy-notice::after{
  content: "";
  position: absolute;
  right: -50px;
  bottom: -60px;
  width: 160px;
  height: 160px;
  border: 1px solid rgba(201,182,140,0.25);
  border-radius: 50%;
}

.policy-notice h3,
.customer-message h3,
.fee-display h3{
  font-family: var(--font-body);
  font-size: 0.78rem;
  line-height: 1.3;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
}

.policy-notice h3{ color: var(--bronze-soft); margin-bottom: var(--sp-3); }
.policy-notice p{ max-width: 800px; font-family: var(--font-display); font-size: clamp(1.2rem, 2.1vw, 1.55rem); line-height: 1.5; }

.policy-scenarios{
  background: var(--bg-light);
  overflow: hidden;
}

.scenario-grid{
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(1.5rem, 4vw, 4rem);
  align-items: stretch;
}

.scenario-card{
  padding: clamp(1.75rem, 4vw, 3.5rem);
  transition: transform var(--dur-med) var(--ease), box-shadow var(--dur-med) var(--ease);
}

.scenario-card:hover{ transform: translateY(-5px); box-shadow: var(--shadow-pop); }

.scenario-card--match{
  background: var(--bg-accent);
  border-top: 3px solid var(--bronze);
}

.scenario-card--difference{
  background: var(--paper);
  border: 1px solid var(--line);
}

.scenario-card .policy-list{ margin-bottom: var(--sp-5); }
.scenario-conclusion{ font-family: var(--font-display); font-size: 1.35rem; color: var(--bronze); }

.quote-comparison{
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  margin-block: var(--sp-4) var(--sp-5);
  background: var(--line);
  border: 1px solid var(--line);
}

.quote-comparison p{
  padding: 1.2rem;
  background: var(--bg-accent);
  font-family: var(--font-display);
  font-size: clamp(1.25rem, 2.5vw, 1.7rem);
  color: var(--dark);
}

.customer-message{
  grid-column: 1 / -1;
  padding: clamp(1.5rem, 3vw, 2.5rem);
  border-left: 2px solid var(--bronze);
  background: var(--bg-accent);
}

.customer-message h3{ color: var(--bronze); margin-bottom: var(--sp-4); }
.customer-message p + p{ margin-top: var(--sp-4); }

.inspection-fee{ background: var(--bg-accent); }

.inspection-layout{
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(3rem, 8vw, 8rem);
  align-items: center;
}

.inspection-layout article > p + p{ margin-top: var(--sp-4); }

.fee-display{
  margin-top: var(--sp-5);
  padding: clamp(1.5rem, 4vw, 2.75rem);
  background: var(--dark);
  color: var(--light);
}

.fee-display h3{ color: var(--bronze-soft); margin-bottom: var(--sp-4); }
.fee-display p{ font-family: var(--font-display); font-size: clamp(2.75rem, 6vw, 4rem); line-height: 1; }
.fee-details{ padding: clamp(1.5rem, 4vw, 3rem); border: 1px solid var(--line); }
.fee-details .policy-list{ margin-bottom: var(--sp-5); }

.policy-stage-dark{
  overflow: hidden;
  background: var(--dark);
}

.policy-stage-dark::after{
  content: "";
  position: absolute;
  right: -180px;
  top: 50%;
  width: 480px;
  height: 480px;
  border: 1px solid rgba(201,182,140,0.12);
  border-radius: 50%;
  transform: translateY(-50%);
  box-shadow: 0 0 0 70px rgba(201,182,140,0.025), 0 0 0 140px rgba(201,182,140,0.018);
  pointer-events: none;
}

.policy-stage-dark .container{
  position: relative;
  z-index: 1;
}

@media (max-width: 900px){
  .policy-list--checks{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .scenario-grid,
  .inspection-layout{ grid-template-columns: 1fr; }
  .customer-message{ grid-column: auto; }
}

@media (max-width: 680px){
  .policy-hero{ min-height: 480px; align-items: flex-end; }
  .policy-hero-inner{ padding-top: calc(var(--header-h) + var(--sp-8)); padding-bottom: var(--sp-8); }
  .policy-hero h1{ font-size: clamp(3rem, 15vw, 4.7rem); }
  .policy-hero-line{ left: 0; width: 42vw; }
  .policy-list--columns,
  .policy-list--checks{ grid-template-columns: 1fr; }
  .quote-comparison{ grid-template-columns: 1fr; }
  .scenario-card{ padding: 1.5rem; }
  .fee-details{ padding: 1.5rem; }
}

@media (max-width: 420px){
  .site-header .nav-actions .btn{ display: none; }
  .policy-section{ padding-block: 4rem; }
  .policy-copy h2,
  .scenario-card h2,
  .inspection-fee h2{ font-size: 2rem; }
  .policy-list li{ padding-right: 0; }
}

@media (prefers-reduced-motion: reduce){
  .policy-hero h1,
  .policy-hero-line{ animation: none; }
  .scenario-card:hover{ transform: none; }
}