/* ================================================================
   NOVU INSURANCE — HOME REDESIGN LAYER (modern minimalist)
   Loaded after index.css. Styles the new hx-* homepage sections.
================================================================ */

/* ---------------- BENEFITS STRIP ---------------- */
.hx-benefits {
  padding-block: clamp(2.5rem, 5vw, 3.5rem);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-bg-alt);
}
.hx-benefits__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}
.hx-benefit {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}
.hx-benefit__ico {
  flex-shrink: 0;
  width: 52px; height: 52px;
  display: grid;
  place-items: center;
  border-radius: var(--radius-md);
  background: rgba(199,154,62,0.12);
  color: var(--color-gold-dark);
  font-size: 1.5rem;
}
.hx-benefit__txt { display: flex; flex-direction: column; line-height: 1.3; }
.hx-benefit__txt strong { font-size: var(--fs-base); font-weight: var(--fw-bold); color: var(--color-navy-darkest); }
.hx-benefit__txt span { font-size: var(--fs-sm); color: var(--color-text-light); }

/* ---------------- SECTION HEAD (split) ---------------- */
.hx-head {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-8);
  align-items: end;
  margin-bottom: var(--space-16);
}
.hx-head .section__header { text-align: left; margin: 0; }
.hx-head .section__tag { margin-bottom: var(--space-4); }
.hx-head .section__title { margin-bottom: 0; }
.hx-head__desc {
  font-size: var(--fs-lg);
  color: var(--color-text-light);
  line-height: var(--lh-normal);
  padding-bottom: 0.4rem;
}

/* ---------------- PRODUCTS CARDS ---------------- */
.np-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-5);
}
/* Tighter inner padding so 5 cards fit comfortably in one row */
.np-card__body { padding: var(--space-5) var(--space-2) var(--space-2); }
.np-card__title { font-size: var(--fs-lg); }
.np-card {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-4);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
}
.np-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(199,154,62,0.40);
}
.np-card__media {
  position: relative;
  display: block;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/3;
}
.np-card__media img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform var(--transition-slow);
}
.np-card:hover .np-card__media img { transform: scale(1.05); }
.np-card__tag {
  position: absolute;
  top: var(--space-3); left: var(--space-3);
  background: var(--gradient-gold);
  color: var(--color-white);
  font-family: var(--font-secondary);
  font-size: var(--fs-xs);
  font-weight: var(--fw-bold);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-gold);
}
.np-card__body {
  display: flex;
  flex-direction: column;
  flex: 1;
  padding: var(--space-5) var(--space-3) var(--space-3);
}
.np-card__title {
  font-family: var(--font-primary);
  font-size: var(--fs-xl);
  font-weight: var(--fw-bold);
  color: var(--color-navy-darkest);
  margin-bottom: var(--space-3);
}
.np-card__desc {
  font-size: var(--fs-sm);
  color: var(--color-text-light);
  line-height: var(--lh-normal);
  margin-bottom: var(--space-5);
  flex: 1;
}
.np-card__btn {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  align-self: flex-start;
  font-family: var(--font-primary);
  font-size: var(--fs-sm);
  font-weight: var(--fw-semibold);
  color: var(--color-navy-darkest);
  background: rgba(199,154,62,0.14);
  padding: 0.6rem 1.15rem;
  border-radius: var(--radius-full);
  transition: background var(--transition-normal), gap var(--transition-fast), color var(--transition-normal);
}
.np-card__btn:hover {
  background: var(--gradient-gold);
  color: var(--color-white);
  gap: 0.8rem;
}
.np-card__btn i { font-size: var(--fs-md); }
.hx-products__cta { text-align: center; margin-top: var(--space-12); }

/* ---------------- STATS BAND ---------------- */
.hx-stats {
  background: var(--gradient-navy);
  position: relative;
  overflow: hidden;
  padding-block: clamp(3rem, 6vw, 5rem);
}
.hx-stats::after {
  content: "";
  position: absolute;
  top: -40%; right: -10%;
  width: 480px; height: 480px;
  background: radial-gradient(circle, rgba(199,154,62,0.18), transparent 70%);
  pointer-events: none;
}
.hx-stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-8);
  text-align: center;
  position: relative;
  z-index: 1;
}
.hx-stat { display: flex; flex-direction: column; gap: 0.35rem; }
.hx-stat__num {
  font-family: var(--font-primary);
  font-weight: var(--fw-extrabold);
  font-size: clamp(var(--fs-4xl), 5vw, var(--fs-6xl));
  line-height: 1;
  letter-spacing: -0.03em;
  background: linear-gradient(135deg, var(--color-gold-light), var(--color-gold));
  -webkit-background-clip: text;
          background-clip: text;
  -webkit-text-fill-color: transparent;
}
.hx-stat__label {
  font-family: var(--font-secondary);
  font-size: var(--fs-sm);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
}

/* ---------------- WHY NOVU ---------------- */
.hx-why__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2.5rem, 6vw, 5rem);
  align-items: center;
}
.hx-why__media { position: relative; }
.hx-why__media img {
  width: 100%;
  border-radius: var(--radius-2xl);
  object-fit: cover;
  aspect-ratio: 5/6;
  box-shadow: var(--shadow-md);
}
.hx-why__badge {
  position: absolute;
  bottom: var(--space-6);
  right: calc(-1 * var(--space-5));
  display: flex;
  align-items: center;
  gap: var(--space-3);
  background: var(--color-white);
  padding: var(--space-4) var(--space-5);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-border);
}
.hx-why__badge i { font-size: 2rem; color: var(--color-gold); }
.hx-why__badge strong { display: block; font-size: var(--fs-base); color: var(--color-navy-darkest); }
.hx-why__badge span { font-family: var(--font-secondary); font-size: var(--fs-sm); color: var(--color-text-light); }
.hx-why__lead {
  font-size: var(--fs-lg);
  color: var(--color-text-light);
  line-height: var(--lh-normal);
  margin: var(--space-5) 0 var(--space-8);
}
.hx-why__list {
  display: grid;
  gap: var(--space-6);
  margin-bottom: var(--space-10);
}
.hx-why__list li { display: flex; gap: var(--space-4); align-items: flex-start; }
.hx-why__ico {
  flex-shrink: 0;
  width: 48px; height: 48px;
  display: grid;
  place-items: center;
  border-radius: var(--radius-md);
  background: rgba(199,154,62,0.12);
  color: var(--color-gold-dark);
  font-size: 1.35rem;
}
.hx-why__list h3 { font-size: var(--fs-base); font-weight: var(--fw-bold); color: var(--color-navy-darkest); margin-bottom: 2px; }
.hx-why__list p { font-size: var(--fs-sm); color: var(--color-text-light); line-height: var(--lh-normal); }

/* ---------------- PROCESS STEPPER ---------------- */
.hx-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
  position: relative;
}
.hx-steps::before {
  content: "";
  position: absolute;
  top: 32px; left: 12.5%; right: 12.5%;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--color-border) 0 8px, transparent 8px 16px);
  z-index: 0;
}
.hx-step {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: 0 var(--space-3);
}
.hx-step__ico {
  width: 64px; height: 64px;
  margin: 0 auto var(--space-5);
  display: grid;
  place-items: center;
  border-radius: var(--radius-full);
  background: var(--color-white);
  border: 2px solid var(--color-border);
  color: var(--color-gold-dark);
  font-size: 1.6rem;
  transition: border-color var(--transition-normal), transform var(--transition-bounce);
}
.hx-step:hover .hx-step__ico { border-color: var(--color-gold); transform: translateY(-4px); }
.hx-step__n {
  display: block;
  font-family: var(--font-primary);
  font-weight: var(--fw-extrabold);
  font-size: var(--fs-sm);
  letter-spacing: 0.1em;
  color: var(--color-gold);
  margin-bottom: var(--space-3);
}
.hx-step h3 { font-size: var(--fs-lg); font-weight: var(--fw-bold); color: var(--color-navy-darkest); margin-bottom: var(--space-2); }
.hx-step p { font-size: var(--fs-sm); color: var(--color-text-light); line-height: var(--lh-normal); }

/* ---------------- CTA BANNER ---------------- */
.hx-cta {
  position: relative;
  overflow: hidden;
  background: var(--gradient-navy);
  padding-block: clamp(3.5rem, 7vw, 6rem);
  color: var(--color-white);
}
.hx-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;
}
.hx-cta__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: var(--space-10);
  align-items: center;
}
.hx-cta__text .section__title { margin-bottom: var(--space-4); }
.hx-cta__desc { font-size: var(--fs-lg); color: rgba(255,255,255,0.82); line-height: var(--lh-normal); max-width: 52ch; }
.hx-cta__actions { display: flex; flex-direction: column; gap: var(--space-4); align-items: stretch; }
.hx-cta__actions .btn { justify-content: center; }

/* ================================================================
   RESPONSIVE
================================================================ */
@media (max-width: 1080px) { .np-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 760px)  { .np-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 460px)  { .np-grid { grid-template-columns: 1fr; } }

@media (max-width: 992px) {
  .hx-head { grid-template-columns: 1fr; align-items: start; gap: var(--space-4); }
  .hx-benefits__grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-6) var(--space-8); }
  .hx-stats__grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-10) var(--space-6); }
  .hx-why__grid { grid-template-columns: 1fr; }
  .hx-why__media { max-width: 520px; margin: 0 auto; }
  .hx-why__badge { right: var(--space-5); }
  .hx-steps { grid-template-columns: repeat(2, 1fr); gap: var(--space-10) var(--space-6); }
  .hx-steps::before { display: none; }
  .hx-cta__inner { grid-template-columns: 1fr; gap: var(--space-8); }
  .hx-cta__actions { flex-direction: row; flex-wrap: wrap; }
}

@media (max-width: 600px) {
  .hx-benefits__grid { grid-template-columns: 1fr; }
  .hx-stats__grid { grid-template-columns: repeat(2, 1fr); }
  .hx-steps { grid-template-columns: 1fr; }
  .hx-cta__actions { flex-direction: column; }
  .hx-why__badge {
    position: static;
    margin: var(--space-4) auto 0;
    width: fit-content;
  }
}