/* ============================================================
   Novo advisor site — responsive rules.
   Mobile-first: override desktop inline styles via !important
   at the component-specific class hooks below.
   Breakpoints: sm=640 · md=768 · lg=1024 · xl=1200
   ============================================================ */

:root { --header-h: 88px; }
@media (max-width: 640px) { :root { --header-h: 68px; } }

html, body { scroll-behavior: smooth; }
body { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
img { max-width: 100%; height: auto; display: block; }
button { font: inherit; }
a:focus-visible, button:focus-visible, input:focus-visible {
  outline: 2px solid var(--teal-500); outline-offset: 3px; border-radius: 4px;
}

/* Container */
.novo-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; width: 100%; }
@media (max-width: 640px) { .novo-container { padding: 0 18px; } }

/* ----- Header ----- */
.novo-header { height: var(--header-h); }
.novo-header-nav { display: flex; gap: 28px; align-items: center; }
.novo-hamburger { display: none; background: transparent; border: 0; color: #fff; padding: 10px; cursor: pointer; }
.novo-logo-img { height: 56px; display: block; }
@media (max-width: 640px) { .novo-logo-img { height: 40px; } }
@media (max-width: 1024px) {
  .novo-header-nav { display: none !important; }
  .novo-hamburger { display: inline-flex !important; align-items: center; justify-content: center; }
}
/* drawer */
.novo-drawer-backdrop {
  position: fixed; inset: 0; background: rgba(11,31,59,0.6); z-index: 200;
  opacity: 0; pointer-events: none; transition: opacity 200ms var(--ease-out);
}
.novo-drawer-backdrop.open { opacity: 1; pointer-events: auto; }
.novo-drawer {
  position: fixed; top: 0; right: 0; bottom: 0; width: min(88vw, 340px);
  background: var(--navy-900); z-index: 210; padding: 24px 22px 28px;
  transform: translateX(100%); transition: transform 280ms var(--ease-out);
  display: flex; flex-direction: column; gap: 6px; overflow-y: auto;
}
.novo-drawer.open { transform: translateX(0); }
.novo-drawer-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.novo-drawer-link {
  color: rgba(255,255,255,0.92); font-family: var(--font-body); font-weight: 500; font-size: 16px;
  padding: 14px 4px; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex; justify-content: space-between; align-items: center;
}
.novo-drawer-link.active { color: var(--teal-500); }
.novo-drawer-cta { margin-top: 18px; }
.novo-drawer-close { background: transparent; border: 0; color: #fff; cursor: pointer; padding: 8px; }

/* ----- Hero ----- */
.novo-hero { min-height: 620px; padding: 80px 0 120px; }
.novo-hero h1 { font-size: clamp(34px, 5vw, 58px); line-height: 1.08; }
.novo-hero p  { font-size: clamp(16px, 1.6vw, 18px); }
.novo-hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.novo-hero-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: 44px; border-top: 1px solid rgba(255,255,255,0.18); padding-top: 24px; }
.novo-hero-stat { padding: 8px 0; border-right: 1px solid rgba(255,255,255,0.15); padding-right: 20px; padding-left: 20px; }
.novo-hero-stat:first-child { padding-left: 0; }
.novo-hero-stat:last-child { border-right: 0; padding-right: 0; }
@media (max-width: 1024px) {
  .novo-hero { min-height: 520px; padding: 60px 0 88px; }
  .novo-hero-stats { grid-template-columns: repeat(2, 1fr); gap: 14px 20px; }
  .novo-hero-stat { border-right: 0; padding: 0; }
}
@media (max-width: 640px) {
  .novo-hero { min-height: 480px; padding: 48px 0 80px; }
  .novo-hero-ctas .novo-btn { flex: 1 1 100%; }
}

/* ----- Section titles + spacing ----- */
.novo-section { padding: 88px 0; }
@media (max-width: 1024px) { .novo-section { padding: 64px 0; } }
@media (max-width: 640px)  { .novo-section { padding: 48px 0; } }
.novo-h2 { font-family: var(--font-display); font-weight: 700; color: var(--navy-900); letter-spacing: -0.01em; line-height: 1.12; margin: 0; font-size: clamp(28px, 3.4vw, 40px); }
.novo-eyebrow { font-family: var(--font-display); font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--teal-500); margin-bottom: 14px; display: inline-block; }

/* ----- Grid utilities ----- */
.novo-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.novo-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
@media (max-width: 1024px) {
  .novo-grid-3 { grid-template-columns: 1fr 1fr; }
  .novo-grid-2 { grid-template-columns: 1fr; gap: 32px; }
}
@media (max-width: 640px) {
  .novo-grid-3 { grid-template-columns: 1fr; }
}

/* ----- Rate card ----- */
.novo-myga-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; }
@media (max-width: 760px) {
  .novo-myga-head { flex-direction: column; align-items: flex-start; }
  .novo-myga-head .novo-btn { width: 100%; justify-content: center; }
}

/* ----- Guaranteed Issue card ----- */
.novo-gi-card { display: flex; align-items: center; justify-content: space-between; gap: 32px; }
@media (max-width: 900px) {
  .novo-gi-card { flex-direction: column; align-items: stretch; gap: 20px; padding: 28px 24px !important; }
  .novo-gi-card .novo-btn { width: 100%; justify-content: center; }
}

/* ----- Leadership ----- */
.novo-leadership-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 520px) { .novo-leadership-cards { grid-template-columns: 1fr; } }

/* ----- Footer ----- */
.novo-footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.12); }
@media (max-width: 900px)  { .novo-footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 520px)  { .novo-footer-grid { grid-template-columns: 1fr; gap: 28px; } }
.novo-footer-bottom { display: flex; justify-content: space-between; align-items: center; padding-top: 22px; flex-wrap: wrap; gap: 14px; }

/* ----- Products ----- */
.novo-product-card { display: flex; gap: 28px; }
@media (max-width: 760px) {
  .novo-product-card { flex-direction: column; gap: 18px; padding: 24px !important; }
  .novo-product-card .novo-btn { width: 100%; justify-content: center; }
}

/* ----- Buttons touch target ----- */
.novo-btn { min-height: 44px; }

/* ----- Trust strip (carrier count) ----- */
.novo-trust { background: var(--white); border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); padding: 22px 0; }
.novo-trust-row { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
@media (max-width: 760px) {
  .novo-trust-row { flex-direction: column; text-align: center; gap: 14px; }
}

/* ---------- Animations ---------- */
@media (prefers-reduced-motion: no-preference) {
  .novo-fade-up { opacity: 0; transform: translateY(16px); transition: opacity 600ms var(--ease-out), transform 600ms var(--ease-out); }
  .novo-fade-up.in { opacity: 1; transform: none; }
}