/* global React */
const { SectionHeading, Button, Icon } = window.MissionInsurancePartnersDesignSystem_445ed5;

function LTCPage() {
  const { Section, PageHero, DataTable, Accordion, CheckList, CtaBand, DiagImage, PageFooter, FeatureCard } = window;
  return (
    <>
      <PageHero eyebrow="Long-Term Care" title="Plan today, live confidently"
        accent="tomorrow."
        lead="You work hard to build a life you love. The last thing you want is for rising care needs to drain your savings or force tough family decisions. Here's what every adult 50+ should know — without the jargon."
        ctaLabel="Start My Free Consultation" image={window.PHOTOS.ltcHero} bg="page" />

      {/* Why it matters */}
      <Section bg="tint">
        <div className="mip-hero-grid" style={{ display: "grid", gridTemplateColumns: "0.95fr 1.05fr", gap: "var(--space-8)", alignItems: "center" }}>
          <DiagImage src={window.PHOTOS.ltcWhy} alt="Caregiver helping an older adult at home" clip={window.DIAGONAL_L} minHeight={400} />
          <div>
            <span style={window.eyebrowStyle}>Why It Matters</span>
            <h2 style={{ fontFamily: "var(--font-display)", fontSize: "var(--fs-h1)", color: "var(--navy-900)", margin: "0.6rem 0 1.25rem", letterSpacing: "-0.02em" }}>The gap Medicare won't fill</h2>
            <CheckList items={[
              "<strong>Nearly 70%</strong> of Americans who turn 65 this year will need some kind of long-term help — from a few hours of in-home assistance to full-time memory care.",
              "Medicare is designed for <strong>short-term rehab only</strong>. Once the therapy goal is met (or after 100 days), custodial care becomes 100% your responsibility.",
              "Costs rise <strong>faster than general inflation</strong> — and they keep climbing every year.",
            ]} />
          </div>
        </div>
      </Section>

      {/* Cost table */}
      <Section bg="page">
        <SectionHeading eyebrow="The Real Numbers" title="What long-term care costs today" lead="National medians from the 2024 Genworth / CareScout Cost of Care Survey." />
        <div style={{ marginTop: "var(--space-8)" }}>
          <DataTable columns={["Type of care", "Typical setting", "2024 median cost"]}
            rows={[
              ["Help at Home (44 hrs/week)", "Home health aide", "<strong>$34/hour</strong> (≈ $78K / yr)"],
              ["Assisted-Living Community", "Apartment + services", "<strong>$5,900/mo</strong> (≈ $71K / yr)"],
              ["Nursing Home — Semi-Private", "24/7 skilled care", "<strong>$305/day</strong> (≈ $111K / yr)"],
              ["Nursing Home — Private", "24/7 skilled care", "<strong>$350/day</strong> (≈ $128K / yr)"],
              ["Adult Day Services", "Weekday group care", "<strong>$100/day</strong> (≈ $26K / yr)"],
            ]}
            note="National medians; local rates vary." />
          <div style={{ marginTop: "var(--space-6)", background: "var(--navy-900)", color: "#fff", borderRadius: "var(--radius-lg)", padding: "var(--space-6) var(--space-7)", display: "flex", gap: "1rem", alignItems: "center", flexWrap: "wrap" }}>
            <Icon name="bar-chart-3" size={32} color="var(--gold-300)" />
            <p style={{ margin: 0, fontFamily: "var(--font-display)", fontSize: "1.35rem", fontWeight: 700, lineHeight: 1.35 }}>Bottom line: a three-year nursing-home stay could exceed <span style={{ color: "var(--gold-300)" }}>$330,000</span> — and that's before future inflation.</p>
          </div>
        </div>
      </Section>

      {/* Human side */}
      <Section bg="tint">
        <SectionHeading eyebrow="The Human Side" title="More than a financial decision" />
        <div className="mip-grid-3" style={{ display: "grid", gridTemplateColumns: "repeat(3,1fr)", gap: "var(--space-5)", marginTop: "var(--space-8)" }}>
          <FeatureCard icon="shield-check" title="Stay in control">Loss of independence can feel overwhelming; a thoughtful plan keeps you in charge of your own choices.</FeatureCard>
          <FeatureCard icon="hand-heart" title="Support loved ones">Family caregivers provide 20+ hrs/week on average. Having resources in place protects their health and finances.</FeatureCard>
          <FeatureCard icon="heart-pulse" title="Plan for longevity">Women typically need care longer — about 3.7 years vs. 2.2 for men — because they live longer.</FeatureCard>
        </div>
      </Section>

      {/* Funding the gap */}
      <Section bg="page">
        <SectionHeading eyebrow="Funding the Gap" title="Your big-picture options" lead="We won't dive into policy fine print here, but it helps to know the basic levers. The right mix depends on your health, finances, and family dynamics." />
        <div className="mip-grid-3" style={{ display: "grid", gridTemplateColumns: "repeat(3,1fr)", gap: "var(--space-5)", marginTop: "var(--space-8)" }}>
          <FeatureCard icon="wallet" title="Personal savings & investments">Full flexibility, but every dollar spent is a dollar not left for other goals.</FeatureCard>
          <FeatureCard icon="shield-check" title="Long-term-care insurance">Shifts a defined portion of future costs to an insurer in exchange for premiums.</FeatureCard>
          <FeatureCard icon="layers" title="Hybrid life + LTC policies">Bundles a life-insurance death benefit with access to those dollars if care is needed.</FeatureCard>
          <FeatureCard icon="map-pin" title="Home equity strategies">Reverse mortgages or line-of-credit plans can unlock value without selling your home.</FeatureCard>
          <FeatureCard icon="stethoscope" title="Medicaid">A safety net after you've met strict income and asset limits (varies by state).</FeatureCard>
          <FeatureCard icon="messages-square" title="A blended plan">Most families combine several of these. We help you weigh the trade-offs in plain English.</FeatureCard>
        </div>
      </Section>

      {/* Myths */}
      <Section bg="tint">
        <SectionHeading eyebrow="Myths — Busted" title="Don't wait to find out the hard way" />
        <div style={{ marginTop: "var(--space-8)", maxWidth: 860, marginInline: "auto" }}>
          <Accordion items={[
            { q: "\u201CI'll wait until I'm older.\u201D", a: "Health changes can make coverage unavailable — or dramatically more expensive — the longer you wait." },
            { q: "\u201CI'll lean on Medicare.\u201D", a: "Medicare pays nothing for custodial help with bathing, dressing, or dementia supervision." },
            { q: "\u201CMy kids will take care of me.\u201D", a: "They might — but having a plan means their help is a choice, not a financial obligation." },
          ]} />
        </div>
      </Section>

      {/* How MIP makes it simple */}
      <Section bg="page">
        <SectionHeading eyebrow="How We Make It Simple" title="A clear path, at zero cost" lead="Our service is free; carriers pay us, not you. With 100+ years of combined experience and a client-first, carrier-agnostic philosophy, we translate complex choices into plain English." />
        <div style={{ marginTop: "var(--space-8)" }}>
          <DataTable columns={["Step", "What we do", "Your takeaway"]}
            rows={[
              ["30-Min Discovery Call", "We learn your health history, family goals, and budget.", "Clarity on real risks &amp; priorities."],
              ["Personalized Cost Snapshot", "We project local care costs and inflation over 20 years.", "See your potential gap in black and white."],
              ["Strategy Menu", "We outline practical funding paths — without pushing any one product.", "Compare pros, cons, and budget impact side by side."],
              ["Ongoing Partnership", "Annual reviews, claim support, and mid-life course-corrections.", "Peace of mind that your plan stays on track."],
            ]} />
        </div>
      </Section>

      <CtaBand title="Ready to protect your future?" lead="A quick conversation now can save stress, money, and family heartache later." />

      <window.Disclaimer>
        <span>Mission Insurance Partners is not affiliated with or endorsed by any government agency.</span>
        <span>Cost figures are national medians; local rates vary. Contact us for personalized estimates.</span>
      </window.Disclaimer>
      <PageFooter />
    </>
  );
}
window.LTCPage = LTCPage;