.iqm-insurance-card-fields {
    display: none !important;
}

.iqm-insurance-card.iqm-active .iqm-insurance-card-fields {
    display: block !important;
}


/* ============================================================
   IQM Insurance Quote Form — Global CSS
   Part 1
============================================================ */

/* ── Section wrapper ── */
.iqm-section {
    background: #fff;
    border: 1px solid #e6e6e6;
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 35px;
    font-family: 'Poppins', sans-serif;
    color: #1f2937;
    box-shadow: 0 4px 20px rgba(0, 0, 0, .04);
}

.iqm-section-one {
    display: flex;
    flex-direction: column;
    gap: 25px;
    padding: 30px;
}

/* ── Section Header ── */
.iqm-section-header {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 18px 25px;
    background: #305dac;
    border-bottom: none;
}

.iqm-section-header input[type="checkbox"],
.iqm-section-header input[type="radio"] {
    width: 20px;
    height: 20px;
    accent-color: #fff;
    cursor: pointer;
    margin: 0;
    flex-shrink: 0;
}

.iqm-section-header-title {
    margin: 0;
    color: #fff;
    font-size: 20px;
    font-weight: 600;
    letter-spacing: .3px;
    text-transform: none;
    line-height: 1.4;
}

/* ── Insurance Card ── */
.iqm-insurance-card {
    display: grid;
    grid-template-columns: 280px 1fr;
    border-bottom: 1px solid #ececec;
    transition: .3s ease;
}

.iqm-insurance-card:last-child {
    border-bottom: none;
}

.iqm-insurance-card:hover {
    background: #fafcff;
}

/* ── Left Side ── */
.iqm-insurance-card-label {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    padding: 25px;
    background: #fafafa;
    border-right: 1px solid #ececec;
}

.iqm-insurance-card-label input[type="checkbox"],
.iqm-insurance-card-label input[type="radio"] {
    width: 20px;
    height: 20px;
    margin-top: 2px;
    accent-color: #305dac;
    cursor: pointer;
    flex-shrink: 0;
}

.iqm-insurance-card-label-text {
    display: block;
    margin: 0;
    font-size: 17px;
    font-weight: 600;
    color: #1f2937;
    line-height: 1.5;
}

.iqm-insurance-card-label-sub {
    display: block;
    margin-top: 6px;
    font-size: 14px;
    line-height: 1.7;
    color: #6b7280;
}

/* ── Right Side ── */
.iqm-insurance-card-fields {
    display: flex;
    flex-direction: column;
    background: #fff;
}

.iqm-error {
    color: #dc3545;
    font-size: 14px;
    margin-top: 8px;
    display: none;
}

label.advice-card {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
}


/* ============================================================
   IQM Insurance Quote Form — Part 2
============================================================ */

/* ── Field Row ── */
.iqm-field-row {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 20px 25px;
    border-bottom: 1px solid #ececec;
    min-height: 70px;
    flex-wrap: wrap;
}

.iqm-field-row:last-child {
    border-bottom: none;
}

/* ── Field Label ── */
.iqm-field-row-label {
    min-width: 250px;
    font-size: 16px;
    font-weight: 500;
    color: #1f2937;
    line-height: 1.5;
}

/* ── Cover Label ── */
.iqm-cover-label {
    font-size: 15px;
    font-weight: 500;
    color: #6b7280;
    white-space: nowrap;
}

/* ============================================================
   TPD Section
============================================================ */

.iqm-field-row--tpd {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0;
}

.iqm-tpd-header {
    padding: 18px 25px;
    font-size: 16px;
    background: #ffffff;
    border-bottom: 1px solid #ececec;
}

.iqm-tpd-option {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 18px 25px;
    border-bottom: 1px solid #ececec;
    transition: .3s;
    flex-wrap: wrap;
}

.iqm-tpd-option:last-child {
    border-bottom: none;
}

.iqm-tpd-option:hover {
    background: #fafcff;
}

.iqm-tpd-option-label {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 180px;
    cursor: pointer;
    font-size: 16px;
    font-weight: 500;
    color: #1f2937;
}

.iqm-tpd-option-label input[type="radio"] {
    width: 18px;
    height: 18px;
    accent-color: #305dac;
    margin: 0;
    cursor: pointer;
}

/* ============================================================
   Income Protection
============================================================ */

.iqm-field-row--income {
    display: flex;
    align-items: center;
    gap: 35px;
    flex-wrap: wrap;
    padding: 25px;
    justify-content: space-between;
}

.iqm-income-group {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.iqm-income-group-title {
    font-size: 15px;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 5px;
}

.iqm-radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 15px 25px;
}

.iqm-radio-inline {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 15px;
    color: #374151;
    cursor: pointer;
    transition: .2s;
}

.iqm-radio-inline:hover {
    color: #305dac;
}

.iqm-radio-inline input[type="radio"] {
    width: 18px;
    height: 18px;
    accent-color: #305dac;
    margin: 0;
    cursor: pointer;
}

/* ============================================================
   IQM Insurance Quote Form — Part 3
============================================================ */

/* ── Child Insurance Layout ── */
.iqm-field-row--child {
    display: flex;
    align-items: flex-end;
    gap: 25px;
    flex-wrap: wrap;
    padding: 25px;
}

.iqm-child-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.iqm-child-field-label {
    margin: 0;
    font-size: 15px;
    font-weight: 600;
    color: #1f2937;
}

/* ============================================================
   Dollar Input Group
============================================================ */

.iqm-input-group {
    display: flex;
    align-items: stretch;
    width: 100%;
    max-width: 260px;
}

.iqm-prefix {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 55px;
    background: #eceff3;
    color: #305dac;
    font-size: 16px;
    font-weight: 600;
    border-radius: 5px 0 0 5px;
    flex-shrink: 0;
}

.iqm-input-group input[type="text"],
.iqm-input-group input[type="number"] {
    width: 100%;
    height: 55px;
    padding: 0 18px;
    border: none;
    background: #f5f5f5;
    color: #1f2937;
    font-size: 16px;
    border-radius: 0 5px 5px 0;
    box-sizing: border-box;
    outline: none;
}

form#iqm-quote-form input {
    border: none;
    border-radius: 5px;
}

form#iqm-quote-form input:focus {
    border: none;
    outline: none;
}



.iqm-input-group input::placeholder {
    color: #1f2937;
    font-size: 16px;
    font-weight: 500;
}

.iqm-input-group input:focus {
    box-shadow: 0 0 0 2px rgba(48, 93, 172, .15);
}

/* ============================================================
   Select
============================================================ */

.iqm-select {
    min-width: 180px;
    height: 55px;
    padding: 0 45px 0 18px;
    border: none;
    border-radius: 5px;
    background: #f5f5f5 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%23305dac' d='M6 8L0 0h12z'/%3E%3C/svg%3E") no-repeat right 16px center;
    appearance: none;
    -webkit-appearance: none;
    font-size: 16px;
    color: #1f2937;
    cursor: pointer;
    outline: none;
}

.iqm-select:focus {
    box-shadow: 0 0 0 2px rgba(48, 93, 172, .15);
}

/* ============================================================
   Date Input
============================================================ */

.iqm-date-input {
    min-width: 180px;
    height: 55px;
    padding: 0 18px;
    border: none;
    border-radius: 5px;
    background: #f5f5f5;
    font-size: 16px;
    color: #1f2937;
    outline: none;
    cursor: pointer;
}

.iqm-date-input:focus {
    box-shadow: 0 0 0 2px rgba(48, 93, 172, .15);
}


/* Hide inner cover-level text + input group until the row checkbox is ticked */
.iqm-field-row .iqm-cover-label,
.iqm-field-row .iqm-row-details {
    display: none;
}
.iqm-field-row.iqm-active .iqm-cover-label,
.iqm-field-row.iqm-active .iqm-row-details {
    display: block;
}
.iqm-field-row.iqm-active .iqm-cover-label {
    display: inline-block;
}


/* ============================================================
   Responsive
============================================================ */

@media (max-width:991px) {

    .iqm-insurance-card {
        grid-template-columns: 1fr;
    }

    .iqm-insurance-card-label {
        border-right: none;
        border-bottom: 1px solid #ececec;
    }

    .iqm-field-row {
        flex-direction: column;
        align-items: flex-start;
        gap: 15px;
    }

    .iqm-field-row-label {
        min-width: 100%;
    }

    .iqm-field-row--income,
    .iqm-field-row--child {
        flex-direction: row;
        align-items: flex-start;
        gap: 20px;
    }

    .iqm-input-group,
    .iqm-select,
    .iqm-date-input {
        width: 100%;
        max-width: 100%;
    }

}

@media (max-width:767px) {

    .iqm-section-one {
        padding: 20px;
    }

    .iqm-section-header {
        padding: 15px 20px;
    }

    .iqm-section-header-title {
        font-size: 18px;
    }

    .iqm-insurance-card-label {
        padding: 20px;
    }

    .iqm-field-row,
    .iqm-tpd-option,
    .iqm-field-row--income,
    .iqm-field-row--child {
        padding: 20px;
    }

    .iqm-tpd-header {
        line-height: 24px !important;
        background: #ffffff !important;
        background-color: #ffffff !important;
        padding: 0px !important;
        border-bottom: none !important;
        border: none !important;
}
	
    h3 {
        margin: 0px;
    }


    .iqm-section-header h3 {
        font-size: 24px;
        margin: 0 !important;
    }
}

@media (max-width:468px) {
    .iqm-child-field {
        width: 100% !important
        ;
    }
	
    .iqm-tpd-option {
        padding: 0px !important;
		    margin-bottom: 25px;
}
	
	
}