/* ================================================================
   NOVU INSURANCE — ABOUT REDESIGN LAYER (modern minimalist)
   Loaded after index.css + about.css. Styles the new ab-* sections.
================================================================ */

/* Shared small icon chip */
.ab-ico {
  flex-shrink: 0;
  display: grid;
  place-items: center;
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  background: rgba(199,154,62,0.12);
  color: var(--color-gold-dark);
  font-size: 1.35rem;
}

/* ---------------- OUR STORY ---------------- */
.ab-story__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2.5rem, 6vw, 5rem);
  align-items: center;
}
.ab-story__media {
  position: relative;
  padding-bottom: var(--space-10);
  padding-right: var(--space-10);
}
.ab-story__img-a {
  width: 100%;
  border-radius: var(--radius-2xl);
  object-fit: cover;
  aspect-ratio: 5/4;
  box-shadow: var(--shadow-md);
}
.ab-story__img-b {
  position: absolute;
  right: 0;
  bottom: 0;
  width: 52%;
  border-radius: var(--radius-xl);
  object-fit: cover;
  aspect-ratio: 4/3;
  border: 6px solid var(--color-white);
  box-shadow: var(--shadow-lg);
}
.ab-story__badge {
  position: absolute;
  top: var(--space-5);
  left: calc(-1 * var(--space-4));
  display: flex;
  align-items: center;
  gap: var(--space-3);
  background: var(--gradient-navy);
  color: var(--color-white);
  padding: var(--space-4) var(--space-5);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.ab-story__badge-ico {
  display: grid;
  place-items: center;
  width: 40px; height: 40px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.12);
  color: var(--color-gold-light);
  font-size: 1.3rem;
}
.ab-story__badge-txt { display: flex; flex-direction: column; font-family: var(--font-secondary); font-size: var(--fs-sm); line-height: 1.25; }
.ab-story__badge-txt strong { font-family: var(--font-primary); font-size: var(--fs-base); color: var(--color-white); }

.ab-story__lead {
  font-size: var(--fs-lg);
  color: var(--color-navy-darkest);
  font-weight: var(--fw-medium);
  line-height: var(--lh-normal);
  margin: var(--space-5) 0 var(--space-4);
}
.ab-story__body {
  font-size: var(--fs-base);
  color: var(--color-text-light);
  line-height: var(--lh-loose);
  margin-bottom: var(--space-5);
}
.ab-story__points {
  display: grid;
  gap: var(--space-5);
  margin: var(--space-6) 0 var(--space-8);
}
.ab-story__points li { display: flex; gap: var(--space-4); align-items: flex-start; }
.ab-story__points strong { display: block; font-size: var(--fs-base); color: var(--color-navy-darkest); margin-bottom: 2px; }
.ab-story__points p { font-size: var(--fs-sm); color: var(--color-text-light); line-height: var(--lh-normal); }
.ab-story__btn { margin-top: var(--space-2); }

/* ---------------- MISSION / VISION / VALUES ---------------- */
.ab-mvv__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
  align-items: stretch;
}
.ab-mvv__card {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.ab-mvv__card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(199,154,62,0.40);
}
.ab-mvv__card--feature {
  background: var(--gradient-navy);
  border-color: transparent;
}
.ab-mvv__card--feature .ab-mvv__title,
.ab-mvv__card--feature .ab-mvv__desc { color: var(--color-white); }
.ab-mvv__card--feature .ab-mvv__desc { color: rgba(255,255,255,0.82); }
.ab-mvv__card--feature .ab-mvv__label { color: var(--color-gold-light); }
.ab-mvv__card--feature .ab-mvv__ico {
  background: rgba(255,255,255,0.14);
  color: var(--color-gold-light);
}
.ab-mvv__ico {
  width: 56px; height: 56px;
  display: grid;
  place-items: center;
  border-radius: var(--radius-lg);
  background: rgba(199,154,62,0.12);
  color: var(--color-gold-dark);
  font-size: 1.6rem;
  margin-bottom: var(--space-5);
}
.ab-mvv__label {
  font-family: var(--font-secondary);
  font-size: var(--fs-xs);
  font-weight: var(--fw-bold);
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--color-gold-dark);
  margin-bottom: var(--space-2);
}
.ab-mvv__title {
  font-size: var(--fs-xl);
  font-weight: var(--fw-bold);
  color: var(--color-navy-darkest);
  margin-bottom: var(--space-4);
  line-height: 1.2;
}
.ab-mvv__desc { font-size: var(--fs-sm); color: var(--color-text-light); line-height: var(--lh-loose); }
.ab-mvv__values { display: grid; gap: var(--space-3); }
.ab-mvv__values li {
  display: flex;
  align-items: baseline;
  gap: var(--space-2);
  font-size: var(--fs-sm);
  color: var(--color-text-light);
  line-height: var(--lh-normal);
}
.ab-mvv__values i { color: var(--color-gold-dark); }
.ab-mvv__values strong { color: var(--color-navy-darkest); }

/* ---------------- WHAT SETS US APART ---------------- */
.ab-trust__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-5);
}
.ab-trust__card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 0.4rem;
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-bg-alt) 100%);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-5);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.ab-trust__card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gradient-gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition-normal);
}
.ab-trust__card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(199,154,62,0.45);
}
.ab-trust__card:hover::before { transform: scaleX(1); }
.ab-trust__card .ab-ico {
  width: 58px; height: 58px;
  margin: 0 auto var(--space-4);
  border-radius: var(--radius-full);
  background: var(--gradient-navy);
  color: var(--color-gold-light);
  font-size: 1.45rem;
  box-shadow: 0 6px 16px rgba(20,41,77,0.22);
}
.ab-trust__card strong { font-size: var(--fs-md); font-weight: var(--fw-bold); color: var(--color-navy-darkest); }
.ab-trust__card span { font-size: var(--fs-sm); color: var(--color-text-light); }

/* ---------------- CTA ---------------- */
.ab-cta {
  position: relative;
  overflow: hidden;
  background: var(--gradient-navy);
  padding-block: clamp(3.5rem, 7vw, 6rem);
  color: var(--color-white);
}
.ab-cta__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 85% 20%, rgba(199,154,62,0.22), transparent 45%),
    radial-gradient(circle at 10% 90%, rgba(125,155,196,0.18), transparent 45%);
  pointer-events: none;
}
.ab-cta__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: var(--space-10);
  align-items: center;
}
.ab-cta__text .section__title { margin-bottom: var(--space-4); }
.ab-cta__desc { font-size: var(--fs-lg); color: rgba(255,255,255,0.82); line-height: var(--lh-normal); max-width: 52ch; }
.ab-cta__actions { display: flex; flex-direction: column; gap: var(--space-4); }
.ab-cta__actions .btn { justify-content: center; }

/* ================================================================
   RESPONSIVE
================================================================ */
@media (max-width: 992px) {
  .ab-story__grid { grid-template-columns: 1fr; }
  .ab-story__media { max-width: 540px; margin: 0 auto; }
  .ab-mvv__grid { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .ab-trust__grid { grid-template-columns: repeat(2, 1fr); }
  .ab-cta__inner { grid-template-columns: 1fr; gap: var(--space-8); }
  .ab-cta__actions { flex-direction: row; flex-wrap: wrap; }
}

@media (max-width: 540px) {
  .ab-trust__grid { grid-template-columns: 1fr; }
  .ab-story__media { padding-right: var(--space-6); }
  .ab-story__badge { left: 0; }
  .ab-cta__actions { flex-direction: column; }
}


/* ================================================================
   HERO TRUST CHIPS (replaces numeric stats)
================================================================ */
/* Give the hero breathing room below the chips */
.page-hero__content { padding-bottom: clamp(2rem, 5vw, 3.5rem); }
.ab-hero__chips {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-top: var(--space-8);
  margin-bottom: var(--space-4);
}
.ab-hero__chips li {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.55rem 1.1rem;
  border-radius: var(--radius-full);
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.22);
  backdrop-filter: blur(6px);
  color: var(--color-white);
  font-family: var(--font-secondary);
  font-size: var(--fs-sm);
  font-weight: var(--fw-semibold);
  letter-spacing: 0.02em;
}
.ab-hero__chips i { color: var(--color-gold-light); font-size: var(--fs-md); }

/* ================================================================
   OUR APPROACH — dark full-bleed band for strong contrast
================================================================ */
.ab-approach {
  position: relative;
  overflow: hidden;
  background: var(--gradient-navy);
  color: var(--color-white);
}
.ab-approach::after {
  content: "";
  position: absolute;
  bottom: -30%; left: -8%;
  width: 460px; height: 460px;
  background: radial-gradient(circle, rgba(199,154,62,0.16), transparent 70%);
  pointer-events: none;
}
.ab-approach .container { position: relative; z-index: 1; }
.ab-approach .section__title { color: var(--color-white); }
.ab-approach .section__desc { color: rgba(255,255,255,0.78); }
.ab-approach .section__tag { color: var(--color-gold-light); }
.ab-approach .section__tag::before { background: var(--color-gold-light); }

.ab-approach__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}
.ab-approach__step {
  position: relative;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6) var(--space-6);
  backdrop-filter: blur(4px);
  transition: transform var(--transition-normal), background var(--transition-normal), border-color var(--transition-normal);
}
.ab-approach__step:hover {
  transform: translateY(-6px);
  background: rgba(255,255,255,0.09);
  border-color: rgba(199,154,62,0.55);
}
.ab-approach__n {
  position: absolute;
  top: var(--space-5);
  right: var(--space-6);
  font-family: var(--font-primary);
  font-weight: var(--fw-extrabold);
  font-size: var(--fs-2xl);
  line-height: 1;
  color: rgba(230,200,120,0.32);
}
.ab-approach__ico {
  display: grid;
  place-items: center;
  width: 56px; height: 56px;
  border-radius: var(--radius-lg);
  background: rgba(199,154,62,0.18);
  color: var(--color-gold-light);
  font-size: 1.6rem;
  margin-bottom: var(--space-5);
}
.ab-approach__step h3 { font-size: var(--fs-lg); font-weight: var(--fw-bold); color: var(--color-white); margin-bottom: var(--space-2); }
.ab-approach__step p { font-size: var(--fs-sm); color: rgba(255,255,255,0.72); line-height: var(--lh-normal); }

/* ================================================================
   FAQ ACCORDION
================================================================ */
.ab-faq__wrap { max-width: 820px; }
.ab-faq__list { display: flex; flex-direction: column; gap: var(--space-4); }
.ab-faq__item {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-normal), box-shadow var(--transition-normal);
}
.ab-faq__item.is-open {
  border-color: rgba(199,154,62,0.45);
  box-shadow: var(--shadow-sm);
}
.ab-faq__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  text-align: left;
  padding: var(--space-5) var(--space-6);
  font-family: var(--font-primary);
  font-size: var(--fs-md);
  font-weight: var(--fw-semibold);
  color: var(--color-navy-darkest);
  background: none;
  cursor: pointer;
}
.ab-faq__q:hover { color: var(--color-gold-dark); }
.ab-faq__plus {
  flex-shrink: 0;
  width: 32px; height: 32px;
  display: grid;
  place-items: center;
  border-radius: var(--radius-full);
  background: rgba(199,154,62,0.12);
  color: var(--color-gold-dark);
  font-size: 1.2rem;
  transition: transform var(--transition-normal), background var(--transition-normal), color var(--transition-normal);
}
.ab-faq__item.is-open .ab-faq__plus {
  transform: rotate(45deg);
  background: var(--gradient-gold);
  color: var(--color-white);
}
.ab-faq__a {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-normal);
}
.ab-faq__a-inner { padding: 0 var(--space-6) var(--space-5); }
.ab-faq__a-inner p { font-size: var(--fs-base); color: var(--color-text-light); line-height: var(--lh-loose); }
.ab-faq__a-inner a { color: var(--color-gold-dark); font-weight: var(--fw-semibold); text-decoration: underline; }

@media (max-width: 992px) {
  .ab-approach__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .ab-approach__grid { grid-template-columns: 1fr; }
  .ab-faq__q { font-size: var(--fs-base); padding: var(--space-4) var(--space-5); }
  .ab-faq__a-inner { padding: 0 var(--space-5) var(--space-4); }
}


/* ================================================================
   TRUSTED PARTNERS — CARRIER LOGOS GRID (static, full color)
================================================================ */
.ab-partners__grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: var(--space-4);
  align-items: stretch;
  margin-bottom: var(--space-12);
}
.ab-partners__logo {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-4);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  transition: transform var(--transition-bounce), box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.ab-partners__logo:hover {
  transform: scale(1.08);
  box-shadow: var(--shadow-sm);
  border-color: rgba(199,154,62,0.45);
}
.ab-partners__logo img {
  height: 38px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
}
@media (max-width: 992px) { .ab-partners__grid { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 640px) { .ab-partners__grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 400px) { .ab-partners__grid { grid-template-columns: repeat(2, 1fr); } }

/* Trust badges as a single responsive row */
.ab-partners .ab-trust__grid {
  grid-template-columns: repeat(5, 1fr);
}
@media (max-width: 900px) {
  .ab-partners .ab-trust__grid { grid-template-columns: repeat(2, 1fr); }
  .ab-partners__logo img { height: 40px; }
}
@media (max-width: 540px) {
  .ab-partners .ab-trust__grid { grid-template-columns: 1fr; }
}


/* ================================================================
   EDITORIAL SPLIT LAYOUT (left sticky title + right content)
   Used by Approach, Mission/Vision/Values and FAQ.
================================================================ */
.ab-split {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: start;
}
.ab-split__aside { position: sticky; top: 110px; }
.ab-split__aside .section__title { margin-bottom: var(--space-4); }
.ab-split__intro {
  font-size: var(--fs-lg);
  color: var(--color-text-light);
  line-height: var(--lh-normal);
}
.ab-split__intro a { color: var(--color-gold-dark); font-weight: var(--fw-semibold); text-decoration: underline; }
.ab-split__btn { margin-top: var(--space-6); }
.ab-approach .ab-split__intro { color: rgba(255,255,255,0.78); }
.ab-approach .ab-split__intro a { color: var(--color-gold-light); }

/* ----- MVV: stacked horizontal rows ----- */
.ab-vlist { display: flex; flex-direction: column; gap: var(--space-5); }
.ab-vrow {
  display: flex;
  gap: var(--space-6);
  align-items: center;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-7);
  box-shadow: var(--shadow-xs);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.ab-vrow__body { flex: 1; }
.ab-vrow:hover { transform: translateX(6px); box-shadow: var(--shadow-md); border-color: rgba(199,154,62,0.40); }
.ab-vrow__ico {
  flex-shrink: 0;
  align-self: center;
  width: 60px; height: 60px;
  display: grid; place-items: center;
  border-radius: var(--radius-lg);
  background: rgba(199,154,62,0.12);
  color: var(--color-gold-dark);
  font-size: 1.6rem;
}
.ab-vrow__label {
  font-family: var(--font-secondary);
  font-size: var(--fs-xs);
  font-weight: var(--fw-bold);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--color-gold-dark);
}
.ab-vrow__body h3 { font-size: var(--fs-xl); font-weight: var(--fw-bold); color: var(--color-navy-darkest); margin: 4px 0 var(--space-2); }
.ab-vrow__body p { font-size: var(--fs-sm); color: var(--color-text-light); line-height: var(--lh-loose); }
.ab-vrow--feature { background: var(--gradient-navy); border-color: transparent; }
.ab-vrow--feature .ab-vrow__body h3 { color: #fff; }
.ab-vrow--feature .ab-vrow__body p { color: rgba(255,255,255,0.82); }
.ab-vrow--feature .ab-vrow__label { color: var(--color-gold-light); }
.ab-vrow--feature .ab-vrow__ico { background: rgba(255,255,255,0.14); color: var(--color-gold-light); }
.ab-vrow__tags { display: flex; flex-wrap: nowrap; gap: 0.5rem; margin-top: var(--space-3); }
.ab-vrow__tags li {
  white-space: nowrap;
  font-family: var(--font-secondary);
  font-size: var(--fs-xs);
  font-weight: var(--fw-semibold);
  letter-spacing: 0.02em;
  color: var(--color-navy-dark);
  background: rgba(199,154,62,0.12);
  padding: 0.45rem 0.9rem;
  border-radius: var(--radius-full);
  transition: background var(--transition-fast), transform var(--transition-fast);
}
.ab-vrow__tags li:hover { background: rgba(199,154,62,0.22); transform: translateY(-2px); }
@media (max-width: 600px) {
  .ab-vrow__tags { flex-wrap: wrap; }
}

/* ----- APPROACH: vertical timeline (on dark) ----- */
.ab-timeline { list-style: none; position: relative; }
.ab-tl { position: relative; display: flex; gap: var(--space-5); padding-bottom: var(--space-8); }
.ab-tl:last-child { padding-bottom: 0; }
.ab-tl::before {
  content: "";
  position: absolute;
  left: 23px; top: 50px; bottom: 0;
  width: 2px;
  background: rgba(255,255,255,0.15);
}
.ab-tl:last-child::before { display: none; }
.ab-tl__n {
  flex-shrink: 0;
  width: 48px; height: 48px;
  display: grid; place-items: center;
  border-radius: var(--radius-full);
  background: rgba(199,154,62,0.18);
  border: 1px solid rgba(199,154,62,0.45);
  color: var(--color-gold-light);
  font-family: var(--font-primary);
  font-weight: var(--fw-bold);
  z-index: 1;
}
.ab-tl__c { padding-top: 6px; }
.ab-tl__c h3 { font-size: var(--fs-lg); font-weight: var(--fw-bold); color: #fff; margin-bottom: 4px; }
.ab-tl__c p { font-size: var(--fs-sm); color: rgba(255,255,255,0.72); line-height: var(--lh-normal); }

@media (max-width: 860px) {
  .ab-split { grid-template-columns: 1fr; gap: var(--space-8); }
  .ab-split__aside { position: static; }
}
@media (max-width: 480px) {
  .ab-vrow { flex-direction: column; gap: var(--space-3); padding: var(--space-5); }
}