/* =============================================
   MSB Insurance — Homepage CSS
   ============================================= */

/* ===== HERO SECTION ===== */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, #00428a 100%);
  min-height: 92vh;
  display: flex; align-items: center;
  position: relative;
  overflow: hidden;
  padding: 60px 0 40px;
}

.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 65% 50%, rgba(65,105,225,.15) 0%, transparent 60%),
    url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M0 0h40v40H0V0zm40 40h40v40H40V40zm0-40h2l-2 2V0zm0 4l4-4h2l-6 6V4zm0 4l8-8h2L40 10V8zm0 4L52 0h2L40 14v-2zm0 4L56 0h2L40 18v-2zm0 4L60 0h2L40 22v-2zm0 4L64 0h2L40 26v-2zm0 4L68 0h2L40 30v-2zm0 4L72 0h2L40 34v-2zm0 4L76 0h2L40 38v-2zm0 4L80 0v2L42 40h-2zm4 0L80 4v2L46 40h-2zm4 0L80 8v2L50 40h-2zm4 0l28-28v2L54 40h-2zm4 0l24-24v2L58 40h-2zm4 0l20-20v2L62 40h-2zm4 0l16-16v2L66 40h-2zm4 0l12-12v2L70 40h-2zm4 0l8-8v2l-6 6h-2zm4 0l4-4v2l-2 2h-2z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-floating-shapes {
  position: absolute; inset: 0; pointer-events: none; overflow: hidden;
}
.hero-shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.06;
  animation: floatShape 8s ease-in-out infinite alternate;
}
.hero-shape-1 { width: 500px; height: 500px; background: var(--royal); top: -120px; right: -80px; animation-delay: 0s; }
.hero-shape-2 { width: 300px; height: 300px; background: var(--orange); bottom: -80px; left: -40px; animation-delay: 2s; }
.hero-shape-3 { width: 180px; height: 180px; background: var(--white); top: 40%; left: 20%; animation-delay: 4s; }

@keyframes floatShape {
  from { transform: translate(0, 0) scale(1); }
  to   { transform: translate(20px, -20px) scale(1.05); }
}

.hero .container {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
  align-items: center;
}

/* Hero Text */
.hero-content { color: var(--white); }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,130,0,.15);
  border: 1px solid rgba(255,130,0,.3);
  color: var(--orange-light);
  padding: 6px 16px; border-radius: var(--radius-full);
  font-family: var(--font-label); font-size: 12.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-eyebrow svg { width: 14px; height: 14px; }

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(34px, 4.5vw, 58px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
}
.hero-title .accent { color: var(--orange); }
.hero-title .line { display: block; }

.hero-subtitle {
  font-size: 17px; line-height: 1.8;
  color: rgba(255,255,255,.75);
  max-width: 480px;
  margin-bottom: 36px;
}

.hero-bullets {
  display: flex; flex-direction: column; gap: 12px;
  margin-bottom: 40px;
}
.hero-bullet {
  display: flex; align-items: center; gap: 12px;
  font-size: 15px; color: rgba(255,255,255,.9);
}
.bullet-check {
  width: 22px; height: 22px; flex-shrink: 0;
  background: var(--orange);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.bullet-check svg { width: 12px; height: 12px; color: white; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 48px; }

.hero-stats {
  display: flex; gap: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-stat-item { text-align: center; }
.hero-stat-num {
  font-family: var(--font-display); font-size: 32px; font-weight: 800;
  color: var(--orange); line-height: 1;
  display: block; margin-bottom: 4px;
}
.hero-stat-label { font-size: 12px; color: rgba(255,255,255,.6); letter-spacing: .04em; line-height: 1.3; }

/* Hero Image */
.hero-image-wrap {
  position: relative;
  display: flex; align-items: flex-end; justify-content: center;
}
.hero-image-bg {
  position: absolute; bottom: 0;
  width: 360px; height: 360px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(65,105,225,.2) 0%, rgba(0,51,102,.1) 100%);
  border: 1px solid rgba(255,255,255,.08);
}
.hero-image-bg::before {
  content: '';
  position: absolute; inset: -20px;
  border-radius: 50%;
  border: 1px dashed rgba(255,255,255,.1);
  animation: heroRingSpin 20s linear infinite;
}
@keyframes heroRingSpin { to { transform: rotate(360deg); } }

.hero-person-img {
  position: relative; z-index: 2;
  max-height: 500px;
  object-fit: contain;
  filter: drop-shadow(0 20px 60px rgba(0,0,0,.4));
}

.hero-badge-float {
  position: absolute; z-index: 3;
  background: var(--white);
  border-radius: var(--radius);
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 10px;
  animation: badgeFloat 3s ease-in-out infinite alternate;
}
@keyframes badgeFloat {
  from { transform: translateY(0); }
  to   { transform: translateY(-8px); }
}
.hero-badge-float.badge-1 { top: 15%; left: -30px; }
.hero-badge-float.badge-2 { bottom: 20%; right: -20px; animation-delay: 1.5s; }
.badge-float-icon {
  width: 36px; height: 36px; border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.badge-float-icon svg { width: 20px; height: 20px; }
.badge-1 .badge-float-icon { background: #fff3e6; color: var(--orange); }
.badge-2 .badge-float-icon { background: #e6f0ff; color: var(--royal); }
.badge-float-text { display: flex; flex-direction: column; }
.badge-float-num { font-family: var(--font-display); font-size: 18px; font-weight: 800; color: var(--navy); line-height: 1; }
.badge-float-label { font-size: 11px; color: var(--text-muted); letter-spacing: .04em; }

/* ===== TRUST BAR ===== */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid rgba(0,51,102,.07);
  padding: 20px 0;
}
.trust-bar .container {
  display: flex; align-items: center; justify-content: center;
  gap: 40px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 10px;
  font-size: 13.5px; font-weight: 600; color: var(--text-secondary);
  white-space: nowrap;
}
.trust-item svg { width: 18px; height: 18px; color: var(--orange); flex-shrink: 0; }
.trust-divider { width: 1px; height: 28px; background: var(--light-gray); }

/* ===== STATS SECTION ===== */
.stats-section {
  background: var(--navy);
  padding: 72px 0;
  position: relative; overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute; top: -60px; right: -60px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(255,130,0,.08);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-card {
  text-align: center; padding: 32px 24px;
  border-right: 1px solid rgba(255,255,255,.1);
  position: relative; z-index: 1;
}
.stat-card:last-child { border-right: none; }
.stat-icon {
  width: 52px; height: 52px;
  background: rgba(255,130,0,.15);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}
.stat-icon svg { width: 26px; height: 26px; color: var(--orange); }
.stat-number {
  font-family: var(--font-display); font-size: 44px; font-weight: 800;
  color: var(--white); line-height: 1; display: block; margin-bottom: 6px;
}
.stat-label { font-size: 14px; color: rgba(255,255,255,.65); letter-spacing: .04em; }

/* ===== PRODUCTS SECTION ===== */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 28px;
}
.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(0,51,102,.07);
  overflow: hidden;
  transition: all var(--dur) var(--ease);
  display: flex; flex-direction: column;
}
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(65,105,225,.2);
}
.product-card-img {
  height: 160px; overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.product-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform var(--dur-slow) var(--ease); }
.product-card:hover .product-card-img img { transform: scale(1.05); }
.product-card-img-placeholder {
  width: 72px; height: 72px;
  background: rgba(255,255,255,.15);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
}
.product-card-img-placeholder svg { width: 36px; height: 36px; color: rgba(255,255,255,.8); }
.product-type-badge {
  position: absolute; top: 12px; left: 12px;
  background: var(--orange);
  color: white; font-size: 10px; font-weight: 700;
  padding: 3px 10px; border-radius: var(--radius-full);
  font-family: var(--font-label); letter-spacing: .06em; text-transform: uppercase;
}
.product-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.product-card-title {
  font-family: var(--font-display); font-size: 18px; font-weight: 700;
  color: var(--navy); margin-bottom: 8px; line-height: 1.25;
}
.product-card-desc { font-size: 13.5px; color: var(--text-secondary); line-height: 1.65; flex: 1; margin-bottom: 16px; }
.product-card-meta {
  display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px;
}
.product-meta-tag {
  display: flex; align-items: center; gap: 5px;
  font-size: 11.5px; font-weight: 600; color: var(--text-muted);
  background: var(--bg-subtle);
  padding: 4px 10px; border-radius: var(--radius-full);
}
.product-meta-tag svg { width: 12px; height: 12px; }
.product-card-footer {
  padding: 0 24px 24px;
  display: flex; gap: 10px;
}
.product-card-footer .btn { flex: 1; justify-content: center; font-size: 13px; padding: 10px 16px; }

/* ===== WHY US SECTION ===== */
.why-section { background: var(--bg-subtle); }
.why-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}
.why-image-wrap {
  position: relative;
}
.why-image-main {
  border-radius: var(--radius-xl);
  width: 100%; object-fit: cover;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-xl);
}
.why-image-bg {
  position: absolute; inset: -16px; border-radius: 28px;
  border: 2px dashed rgba(65,105,225,.2);
  pointer-events: none;
}
.why-exp-badge {
  position: absolute; bottom: -20px; right: -20px;
  background: var(--orange);
  color: white; border-radius: var(--radius-lg);
  padding: 20px 24px; text-align: center;
  box-shadow: var(--shadow-lg);
}
.why-exp-num { font-family: var(--font-display); font-size: 42px; font-weight: 800; line-height: 1; display: block; }
.why-exp-label { font-size: 11px; font-weight: 600; letter-spacing: .08em; opacity: .9; }

.why-features { display: flex; flex-direction: column; gap: 24px; margin-top: 32px; }
.why-feature {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 20px; background: var(--white);
  border-radius: var(--radius); border: 1px solid rgba(0,51,102,.06);
  transition: all var(--dur) var(--ease);
}
.why-feature:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(65,105,225,.2);
}
.why-feature-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
}
.why-feature-icon svg { width: 24px; height: 24px; }
.why-feature-icon.orange { background: #fff3e6; color: var(--orange); }
.why-feature-icon.navy  { background: #e6f0ff; color: var(--navy); }
.why-feature-icon.royal { background: #eef2ff; color: var(--royal); }
.why-feature-icon.green { background: #d1fae5; color: #065f46; }
.why-feature-body h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.why-feature-body p { font-size: 13.5px; color: var(--text-secondary); line-height: 1.6; }

/* ===== ASSOCIATION SECTION ===== */
.association-section { background: var(--white); }
.association-content {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.association-text { }
.assoc-brand {
  display: inline-flex; align-items: center; gap: 12px;
  background: var(--bg-subtle);
  border: 1px solid rgba(0,51,102,.1);
  padding: 10px 20px; border-radius: var(--radius);
  margin-bottom: 24px;
}
.assoc-brand-name { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: var(--navy); }
.assoc-logo-shield {
  width: 44px; height: 44px;
  background: var(--orange);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
}
.assoc-logo-shield svg { width: 24px; height: 24px; color: white; }
.assoc-features { display: flex; flex-direction: column; gap: 14px; margin: 24px 0; }
.assoc-feature {
  display: flex; align-items: center; gap: 10px;
  font-size: 15px; color: var(--text-secondary);
}
.assoc-check {
  width: 20px; height: 20px; flex-shrink: 0;
  background: var(--royal); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.assoc-check svg { width: 11px; height: 11px; color: white; }
.assoc-stats-row {
  display: flex; gap: 32px; margin-top: 28px;
  padding: 24px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  border-radius: var(--radius-lg); color: white;
}
.assoc-stat { text-align: center; }
.assoc-stat-num { font-family: var(--font-display); font-size: 28px; font-weight: 800; display: block; }
.assoc-stat-label { font-size: 11.5px; opacity: .75; letter-spacing: .04em; }

.association-visual {
  position: relative; display: flex; flex-direction: column; gap: 20px;
}
.assoc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(0,51,102,.08);
  display: flex; align-items: center; gap: 16px;
  transition: all var(--dur) var(--ease);
}
.assoc-card:hover { transform: translateX(8px); box-shadow: var(--shadow-lg); }
.assoc-card-icon {
  width: 52px; height: 52px; flex-shrink: 0;
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
}
.assoc-card-icon svg { width: 26px; height: 26px; }
.assoc-card-icon.blue-icon   { background: #e6f0ff; color: var(--royal); }
.assoc-card-icon.orange-icon { background: #fff3e6; color: var(--orange); }
.assoc-card-icon.green-icon  { background: #d1fae5; color: #065f46; }
.assoc-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.assoc-card p  { font-size: 13px; color: var(--text-muted); }

/* ===== TESTIMONIALS ===== */
.testimonials-section { background: var(--bg-subtle); }
.testimonials-track { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 24px; }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid rgba(0,51,102,.07);
  box-shadow: var(--shadow-sm);
  transition: all var(--dur) var(--ease);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  position: absolute; top: 20px; right: 24px;
  font-family: var(--font-display); font-size: 72px; line-height: 1;
  color: rgba(65,105,225,.1);
  font-weight: 800;
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.test-stars { display: flex; gap: 3px; margin-bottom: 14px; }
.test-stars svg { width: 16px; height: 16px; color: #f59e0b; fill: #f59e0b; }
.test-message { font-size: 14.5px; color: var(--text-secondary); line-height: 1.75; margin-bottom: 20px; font-style: italic; }
.test-author { display: flex; align-items: center; gap: 12px; }
.test-avatar {
  width: 44px; height: 44px; border-radius: 50%; overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.test-avatar img { width: 100%; height: 100%; object-fit: cover; }
.test-avatar-initials { font-size: 16px; font-weight: 700; color: white; }
.test-name { font-size: 14px; font-weight: 700; color: var(--navy); }
.test-info { font-size: 12px; color: var(--text-muted); }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--royal-dark) 100%);
  padding: 96px 0;
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-content { position: relative; z-index: 1; text-align: center; color: white; }
.cta-title { font-family: var(--font-display); font-size: clamp(32px,4vw,52px); font-weight: 800; color: white; margin-bottom: 16px; }
.cta-subtitle { font-size: 18px; color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto 40px; line-height: 1.7; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.cta-phone-display {
  display: flex; align-items: center; gap: 12px; justify-content: center;
  margin-top: 32px; color: rgba(255,255,255,.7); font-size: 14px;
}
.cta-phone-display svg { width: 18px; height: 18px; color: var(--orange); }
.cta-phone-display strong { color: var(--orange-light); font-size: 20px; font-family: var(--font-display); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1100px) {
  .hero .container { gap: 40px; }
  .why-grid { gap: 40px; }
  .association-content { gap: 48px; }
}
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; text-align: center; }
  .hero-subtitle { margin: 0 auto 36px; }
  .hero-bullets { align-items: center; }
  .hero-actions { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-image-wrap { display: none; }
  .why-grid, .association-content { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .stat-card { border-right: none; border-bottom: 1px solid rgba(255,255,255,.1); }
  .stat-card:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.1); }
  .stat-card:nth-last-child(-n+2) { border-bottom: none; }
}
@media (max-width: 600px) {
  .hero-stats { gap: 20px; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .testimonials-track { grid-template-columns: 1fr; }
  .hero-stat-num { font-size: 26px; }
}