/* ============================================================
   MFARUSI INSURANCE AGENCY LTD
   Public Website Design System
   ============================================================ */


/* ============================================================
   ROOT / DESIGN TOKENS
   ============================================================ */

:root {

    --mf-dark: #063B66;
    --mf-deep: #042B4A;
    --mf-blue: #0A568C;
    --mf-sky: #35A9E0;
    --mf-sky-light: #EAF7FC;

    --mf-gold: #D4A62A;
    --mf-gold-dark: #AD8120;
    --mf-gold-light: #F8EECF;

    --white: #FFFFFF;
    --black: #101820;

    --text: #263746;
    --text-muted: #657786;
    --text-light: #8A99A6;

    --surface: #FFFFFF;
    --surface-soft: #F5F8FA;
    --surface-blue: #EEF7FB;

    --border: #DDE6EC;
    --border-light: #EAF0F4;

    --shadow-sm:
        0 4px 18px rgba(4, 43, 74, 0.06);

    --shadow:
        0 16px 45px rgba(4, 43, 74, 0.10);

    --shadow-lg:
        0 25px 70px rgba(4, 43, 74, 0.16);

    --radius-sm: 6px;
    --radius: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;

    --container: 1240px;

    --transition:
        all 0.25s ease;

}


/* ============================================================
   RESET
   ============================================================ */

*,
*::before,
*::after {
    box-sizing: border-box;
}


html {
    scroll-behavior: smooth;
}


body {
    margin: 0;

    font-family:
        Inter,
        "Segoe UI",
        Roboto,
        Helvetica,
        Arial,
        sans-serif;

    font-size: 16px;
    line-height: 1.7;

    color: var(--text);
    background: var(--white);

    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}


img {
    display: block;
    max-width: 100%;
}


a {
    color: inherit;
    text-decoration: none;
}


button,
input,
textarea,
select {
    font: inherit;
}


button {
    cursor: pointer;
}


h1,
h2,
h3,
h4,
p {
    margin-top: 0;
}


h1,
h2,
h3,
h4 {
    line-height: 1.15;
}


::selection {
    background: var(--mf-sky);
    color: var(--white);
}


/* ============================================================
   ACCESSIBILITY
   ============================================================ */

.skip-link {
    position: fixed;
    top: -100px;
    left: 20px;
    z-index: 9999;

    padding: 12px 18px;

    color: var(--white);
    background: var(--mf-deep);

    border-radius: var(--radius-sm);

    transition: var(--transition);
}


.skip-link:focus {
    top: 20px;
}


:focus-visible {
    outline: 3px solid var(--mf-gold);
    outline-offset: 3px;
}


/* ============================================================
   LAYOUT
   ============================================================ */

.container {
    width: min(
        calc(100% - 40px),
        var(--container)
    );

    margin-inline: auto;
}


.section {
    padding: 110px 0;
}


.section-soft {
    background: var(--surface-soft);
}


/* ============================================================
   TYPOGRAPHY
   ============================================================ */

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;

    margin-bottom: 18px;

    color: var(--mf-gold);

    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.18em;
    text-transform: uppercase;
}


.eyebrow::before {
    content: "";

    display: inline-block;

    width: 28px;
    height: 2px;

    background: currentColor;
}


.eyebrow-dark {
    color: var(--mf-blue);
}


.section-heading {
    display: grid;

    grid-template-columns:
        minmax(0, 1fr)
        minmax(280px, 0.7fr);

    gap: 60px;

    align-items: end;

    margin-bottom: 55px;
}


.section-heading.centered {
    display: block;

    max-width: 760px;

    margin-inline: auto;

    text-align: center;
}


.section-heading.centered .eyebrow {
    justify-content: center;
}


.section-heading h2,
.introduction-content h2,
.story-content h2,
.why-intro h2,
.action-heading h2,
.final-cta h2 {
    margin-bottom: 22px;

    color: var(--mf-deep);

    font-size: clamp(
        34px,
        4vw,
        56px
    );

    font-weight: 750;

    letter-spacing: -0.035em;
}


.section-heading p {
    margin-bottom: 0;

    color: var(--text-muted);
}


.lead {
    font-size: 21px;
    line-height: 1.65;
    color: var(--text);
}


.section-number {
    display: block;

    margin-top: 80px;

    color: var(--mf-gold);

    font-size: 72px;
    font-weight: 800;

    line-height: 1;
    letter-spacing: -0.06em;

    opacity: 0.45;
}


.section-number-light {
    color: var(--mf-gold);
}


/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
    display: inline-flex;

    align-items: center;
    justify-content: center;
    gap: 12px;

    min-height: 48px;

    padding: 12px 24px;

    border: 1px solid transparent;
    border-radius: 7px;

    font-size: 14px;
    font-weight: 750;

    transition: var(--transition);
}


.btn span {
    font-size: 18px;

    transition:
        transform 0.25s ease;
}


.btn:hover span {
    transform: translateX(4px);
}


.btn-primary {
    color: var(--white);
    background: var(--mf-gold);
    border-color: var(--mf-gold);

    box-shadow:
        0 8px 22px rgba(212, 166, 42, 0.22);
}


.btn-primary:hover {
    background: var(--mf-gold-dark);
    border-color: var(--mf-gold-dark);

    transform: translateY(-2px);
}


.btn-secondary {
    color: var(--white);
    background: var(--mf-dark);
    border-color: var(--mf-dark);
}


.btn-secondary:hover {
    background: var(--mf-deep);
    transform: translateY(-2px);
}


.btn-light {
    color: var(--mf-deep);
    background: var(--white);
    border-color: var(--white);
}


.btn-light:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}


.btn-outline-light {
    color: var(--white);
    background: transparent;
    border-color: rgba(255, 255, 255, 0.55);
}


.btn-outline-light:hover {
    color: var(--mf-deep);
    background: var(--white);
    border-color: var(--white);
}


.btn-lg {
    min-height: 56px;
    padding: 14px 28px;

    font-size: 15px;
}


.text-link {
    display: inline-flex;

    align-items: center;
    gap: 10px;

    color: var(--mf-blue);

    font-weight: 750;

    transition: var(--transition);
}


.text-link span {
    font-size: 20px;

    transition:
        transform 0.25s ease;
}


.text-link:hover {
    color: var(--mf-gold-dark);
}


.text-link:hover span {
    transform: translateX(5px);
}


/* ============================================================
   HEADER
   ============================================================ */

.site-header {
    position: relative;
    z-index: 1000;

    background: var(--white);

    border-bottom: 1px solid var(--border-light);
}


.header-inner {
    min-height: 84px;

    display: flex;
    align-items: center;
    justify-content: space-between;

    gap: 30px;
}


.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;

    flex-shrink: 0;
}


.brand-mark {
    display: grid;

    width: 45px;
    height: 45px;

    place-items: center;

    color: var(--white);
    background:
        linear-gradient(
            145deg,
            var(--mf-dark),
            var(--mf-blue)
        );

    border-radius: 8px;

    font-size: 23px;
    font-weight: 900;
}


.brand-text {
    display: flex;
    flex-direction: column;

    line-height: 1;
}


.brand-text strong {
    color: var(--mf-deep);

    font-size: 20px;
    font-weight: 900;
    letter-spacing: 0.06em;
}


.brand-text small {
    margin-top: 5px;

    color: var(--mf-blue);

    font-size: 8px;
    font-weight: 800;
    letter-spacing: 0.12em;
}


.main-nav {
    display: flex;
    align-items: center;

    gap: 6px;
}


.main-nav > a {
    position: relative;

    padding: 11px 13px;

    color: var(--text);

    font-size: 14px;
    font-weight: 650;

    transition: var(--transition);
}


.main-nav > a:hover,
.main-nav > a.active {
    color: var(--mf-blue);
}


.main-nav > a.active::after {
    content: "";

    position: absolute;

    left: 13px;
    right: 13px;
    bottom: 2px;

    height: 2px;

    background: var(--mf-gold);
}


.main-nav .nav-cta {
    margin-left: 12px;

    padding:
        12px 20px;

    color: var(--white);
    background: var(--mf-dark);

    border-radius: 6px;
}


.main-nav .nav-cta:hover {
    color: var(--white);
    background: var(--mf-blue);
}


.main-nav .nav-cta::after {
    display: none;
}


.menu-toggle {
    display: none;

    width: 46px;
    height: 46px;

    padding: 10px;

    border: 1px solid var(--border);
    border-radius: 7px;

    background: var(--white);
}


.menu-toggle span {
    display: block;

    width: 100%;
    height: 2px;

    margin: 5px 0;

    background: var(--mf-deep);
}


/* ============================================================
   HERO
   ============================================================ */

.hero {
    position: relative;

    min-height: 690px;

    display: flex;
    align-items: center;

    overflow: hidden;

    color: var(--white);

    background:
        linear-gradient(
            120deg,
            var(--mf-deep) 0%,
            var(--mf-dark) 48%,
            #0B648F 100%
        );
}


.hero-background {
    position: absolute;
    inset: 0;

    opacity: 0.18;

    background:
        radial-gradient(
            circle at 75% 35%,
            var(--mf-sky) 0,
            transparent 34%
        ),
        radial-gradient(
            circle at 15% 80%,
            var(--mf-gold) 0,
            transparent 26%
        );
}


.hero-overlay {
    position: absolute;
    inset: 0;

    background:
        linear-gradient(
            90deg,
            rgba(4, 43, 74, 0.94),
            rgba(6, 59, 102, 0.80)
        );
}


.hero-shape {
    position: absolute;

    border: 1px solid
        rgba(255, 255, 255, 0.09);

    border-radius: 50%;
}


.hero-shape-one {
    width: 600px;
    height: 600px;

    right: -250px;
    top: -230px;
}


.hero-shape-two {
    width: 420px;
    height: 420px;

    left: -280px;
    bottom: -250px;
}


.hero-inner {
    position: relative;
    z-index: 2;

    display: grid;

    grid-template-columns:
        minmax(0, 1.25fr)
        minmax(330px, 0.75fr);

    gap: 90px;

    align-items: center;

    padding-top: 75px;
    padding-bottom: 75px;
}


.hero-content {
    max-width: 750px;
}


.hero-badge {
    display: inline-flex;

    align-items: center;
    gap: 10px;

    margin-bottom: 25px;

    color: rgba(255, 255, 255, 0.78);

    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.16em;
}


.hero-badge-dot {
    width: 8px;
    height: 8px;

    background: var(--mf-gold);

    border-radius: 50%;

    box-shadow:
        0 0 0 5px
        rgba(212, 166, 42, 0.13);
}


.hero h1 {
    max-width: 850px;

    margin-bottom: 25px;

    font-size: clamp(
        48px,
        6vw,
        78px
    );

    font-weight: 800;

    letter-spacing: -0.055em;

    line-height: 0.99;
}


.hero h1 span {
    display: block;

    color: var(--mf-sky);
}


.hero-description {
    max-width: 650px;

    margin-bottom: 34px;

    color: rgba(255, 255, 255, 0.80);

    font-size: 19px;
    line-height: 1.7;
}


.hero-actions {
    display: flex;

    flex-wrap: wrap;

    gap: 13px;
}


.hero-trust {
    display: flex;

    align-items: center;

    gap: 22px;

    margin-top: 52px;
}


.hero-trust-item {
    display: flex;
    flex-direction: column;
}


.hero-trust-item strong {
    color: var(--white);

    font-size: 15px;
    font-weight: 800;
}


.hero-trust-item span {
    color: rgba(255, 255, 255, 0.52);

    font-size: 11px;
}


.hero-trust-divider {
    width: 1px;
    height: 34px;

    background:
        rgba(255, 255, 255, 0.17);
}


/* HERO PANEL */

.hero-panel {
    padding: 28px;

    color: var(--white);

    background:
        rgba(255, 255, 255, 0.09);

    border: 1px solid
        rgba(255, 255, 255, 0.17);

    border-radius: var(--radius-lg);

    backdrop-filter: blur(14px);

    box-shadow:
        0 25px 70px
        rgba(0, 0, 0, 0.15);
}


.hero-panel-header {
    display: flex;

    justify-content: space-between;
    align-items: center;

    padding-bottom: 20px;

    border-bottom: 1px solid
        rgba(255, 255, 255, 0.12);

    color: rgba(255, 255, 255, 0.60);

    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.15em;
}


.hero-panel-icon {
    display: grid;

    width: 34px;
    height: 34px;

    place-items: center;

    color: var(--mf-gold);

    background:
        rgba(212, 166, 42, 0.12);

    border-radius: 50%;

    font-size: 18px;
}


.hero-panel-main {
    padding: 30px 0 24px;
}


.hero-panel-label {
    display: block;

    margin-bottom: 13px;

    color: var(--mf-sky);

    font-size: 12px;
    font-weight: 700;
}


.hero-panel h2 {
    margin-bottom: 16px;

    font-size: 31px;
    line-height: 1.12;
    letter-spacing: -0.03em;
}


.hero-panel p {
    margin-bottom: 0;

    color: rgba(255, 255, 255, 0.64);

    font-size: 14px;
}


.hero-panel-list {
    display: grid;

    gap: 9px;

    padding: 20px 0;

    border-top: 1px solid
        rgba(255, 255, 255, 0.12);
    border-bottom: 1px solid
        rgba(255, 255, 255, 0.12);
}


.hero-panel-item {
    display: flex;

    align-items: center;

    gap: 11px;

    color: rgba(255, 255, 255, 0.83);

    font-size: 13px;
    font-weight: 600;
}


.panel-check {
    display: grid;

    width: 22px;
    height: 22px;

    place-items: center;

    color: var(--mf-gold);

    background:
        rgba(212, 166, 42, 0.10);

    border-radius: 50%;

    font-size: 12px;
}


.hero-panel-link {
    display: flex;

    justify-content: space-between;

    padding-top: 20px;

    color: var(--white);

    font-size: 13px;
    font-weight: 750;
}


.hero-panel-link span {
    color: var(--mf-gold);

    font-size: 19px;
}


/* ============================================================
   QUICK SERVICES
   ============================================================ */

.quick-services {
    position: relative;
    z-index: 5;

    margin-top: -42px;
}


.quick-services-inner {
    display: grid;

    grid-template-columns:
        repeat(4, 1fr);

    background: var(--white);

    border-radius: var(--radius);

    box-shadow: var(--shadow-lg);

    overflow: hidden;
}


.quick-service {
    display: flex;

    align-items: center;

    gap: 13px;

    min-height: 105px;

    padding: 20px 22px;

    border-right: 1px solid var(--border-light);

    transition: var(--transition);
}


.quick-service:last-child {
    border-right: 0;
}


.quick-service:hover {
    background: var(--surface-blue);
}


.quick-service-icon {
    display: grid;

    flex-shrink: 0;

    width: 43px;
    height: 43px;

    place-items: center;

    color: var(--mf-blue);

    background: var(--mf-sky-light);

    border-radius: 50%;

    font-weight: 850;
}


.quick-service span:nth-child(2) {
    display: flex;
    flex-direction: column;

    min-width: 0;
}


.quick-service small {
    color: var(--text-light);

    font-size: 9px;
    font-weight: 800;
    letter-spacing: 0.12em;
}


.quick-service strong {
    color: var(--mf-deep);

    font-size: 14px;
}


.quick-arrow {
    margin-left: auto;

    color: var(--mf-gold);

    font-size: 19px;
}


/* ============================================================
   INTRODUCTION
   ============================================================ */

.introduction {
    background: var(--white);
}


.introduction-grid {
    display: grid;

    grid-template-columns:
        0.7fr
        1.3fr;

    gap: 100px;

    align-items: start;
}


.introduction-label {
    padding-top: 8px;
}


.introduction-content {
    max-width: 800px;
}


.introduction-content h2 {
    max-width: 700px;
}


.introduction-content p {
    max-width: 750px;

    color: var(--text-muted);
}


.introduction-content .lead {
    color: var(--text);

    margin-bottom: 20px;
}


/* ============================================================
   COVER CATEGORIES
   ============================================================ */

.covers-section {
    background: var(--surface-soft);
}


.category-grid {
    display: grid;

    grid-template-columns:
        repeat(3, 1fr);

    gap: 20px;
}


.category-card {
    position: relative;

    min-height: 420px;

    display: flex;
    flex-direction: column;

    padding: 32px;

    color: var(--white);

    border-radius: var(--radius-lg);

    overflow: hidden;

    transition:
        transform 0.3s ease,
        box-shadow 0.3s ease;
}


.category-card::before {
    content: "";

    position: absolute;
    inset: 0;

    opacity: 0.3;

    background:
        radial-gradient(
            circle at 90% 10%,
            rgba(53, 169, 224, 0.7),
            transparent 38%
        );
}


.category-card-personal {
    background:
        linear-gradient(
            145deg,
            var(--mf-deep),
            var(--mf-dark)
        );
}


.category-card-business {
    background:
        linear-gradient(
            145deg,
            #0A5E87,
            #074A70
        );
}


.category-card-retirement {
    background:
        linear-gradient(
            145deg,
            #755B18,
            var(--mf-gold-dark)
        );
}


.category-card:hover {
    transform: translateY(-7px);

    box-shadow: var(--shadow-lg);
}


.category-card-top,
.category-card-content {
    position: relative;
    z-index: 1;
}


.category-card-top {
    display: flex;

    justify-content: space-between;
    align-items: flex-start;
}


.category-number {
    color: rgba(255, 255, 255, 0.52);

    font-size: 12px;
    font-weight: 800;
}


.category-icon {
    display: grid;

    width: 58px;
    height: 58px;

    place-items: center;

    color: var(--white);

    background:
        rgba(255, 255, 255, 0.12);

    border: 1px solid
        rgba(255, 255, 255, 0.16);

    border-radius: 50%;

    font-size: 20px;
    font-weight: 850;
}


.category-card-content {
    margin-top: auto;
}


.category-label {
    display: block;

    margin-bottom: 12px;

    color: rgba(255, 255, 255, 0.62);

    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.12em;
}


.category-card h3 {
    margin-bottom: 14px;

    font-size: 29px;
    letter-spacing: -0.03em;
}


.category-card p {
    max-width: 340px;

    margin-bottom: 28px;

    color: rgba(255, 255, 255, 0.70);

    font-size: 14px;
}


.category-link {
    display: inline-flex;

    align-items: center;
    gap: 9px;

    color: var(--white);

    font-size: 13px;
    font-weight: 750;
}


.category-link span {
    color: var(--mf-gold);

    font-size: 19px;
}


/* ============================================================
   POPULAR COVERS
   ============================================================ */

.popular-section {
    background: var(--white);
}


.split-heading {
    align-items: center;
}


.split-heading .text-link {
    justify-self: end;
}


.cover-grid {
    display: grid;

    grid-template-columns:
        repeat(4, 1fr);

    gap: 16px;
}


.cover-card {
    min-height: 275px;

    display: flex;
    flex-direction: column;

    padding: 25px;

    background: var(--white);

    border: 1px solid var(--border);

    border-radius: var(--radius);

    transition: var(--transition);
}


.cover-card:hover {
    border-color: var(--mf-sky);

    transform: translateY(-5px);

    box-shadow: var(--shadow);
}


.cover-card-top {
    display: flex;

    justify-content: space-between;
    align-items: flex-start;

    margin-bottom: 38px;
}


.cover-number {
    color: var(--text-light);

    font-size: 11px;
    font-weight: 800;
}


.cover-icon {
    display: grid;

    width: 42px;
    height: 42px;

    place-items: center;

    color: var(--mf-blue);

    background: var(--mf-sky-light);

    border-radius: 50%;

    font-weight: 850;
}


.cover-card h3 {
    margin-bottom: 10px;

    color: var(--mf-deep);

    font-size: 20px;
}


.cover-card p {
    margin-bottom: 22px;

    color: var(--text-muted);

    font-size: 13px;
}


.cover-link {
    display: inline-flex;

    align-items: center;
    gap: 7px;

    margin-top: auto;

    color: var(--mf-blue);

    font-size: 12px;
    font-weight: 800;
}


.cover-link span {
    transition: var(--transition);
}


.cover-card:hover .cover-link span {
    transform: translateX(4px);
}


.mobile-centered-link {
    display: none;
}


/* ============================================================
   WHY MFARUSI
   ============================================================ */

.why-section {
    color: var(--white);

    background:
        linear-gradient(
            135deg,
            var(--mf-deep),
            var(--mf-dark)
        );
}


.why-grid {
    display: grid;

    grid-template-columns:
        minmax(300px, 0.8fr)
        minmax(0, 1.2fr);

    gap: 100px;
}


.why-intro h2 {
    color: var(--white);
}


.why-intro p {
    max-width: 470px;

    margin-bottom: 32px;

    color: rgba(255, 255, 255, 0.66);
}


.value-list {
    border-top: 1px solid
        rgba(255, 255, 255, 0.12);
}


.value-item {
    display: grid;

    grid-template-columns:
        45px
        1fr
        25px;

    gap: 18px;

    align-items: start;

    padding: 25px 0;

    border-bottom: 1px solid
        rgba(255, 255, 255, 0.12);
}


.value-number {
    color: var(--mf-gold);

    font-size: 11px;
    font-weight: 850;
}


.value-item h3 {
    margin-bottom: 7px;

    color: var(--white);

    font-size: 19px;
}


.value-item p {
    max-width: 550px;

    margin-bottom: 0;

    color: rgba(255, 255, 255, 0.57);

    font-size: 13px;
}


.value-arrow {
    color: var(--mf-sky);

    font-size: 20px;
}


/* ============================================================
   PROCESS
   ============================================================ */

.process-section {
    background: var(--surface-soft);
}


.process-section .section-heading p {
    max-width: 650px;

    margin-inline: auto;
}


.process-grid {
    display: grid;

    grid-template-columns:
        repeat(5, 1fr);

    gap: 0;
}


.process-step {
    position: relative;

    padding: 25px 24px 10px;

    border-top: 2px solid var(--border);
}


.process-step:not(:last-child)::after {
    content: "";

    position: absolute;

    top: -5px;
    right: -5px;

    width: 9px;
    height: 9px;

    background: var(--mf-gold);

    border-radius: 50%;
}


.process-number {
    display: inline-flex;

    margin-bottom: 30px;

    color: var(--mf-blue);

    font-size: 12px;
    font-weight: 850;
}


.process-step h3 {
    min-height: 46px;

    margin-bottom: 13px;

    color: var(--mf-deep);

    font-size: 17px;
}


.process-step p {
    margin-bottom: 0;

    color: var(--text-muted);

    font-size: 13px;
}


/* ============================================================
   CLAIMS FEATURE
   ============================================================ */

.claims-feature {
    position: relative;

    padding: 100px 0;

    overflow: hidden;

    color: var(--white);

    background:
        linear-gradient(
            115deg,
            var(--mf-blue),
            var(--mf-dark)
        );
}


.claims-feature::after {
    content: "";

    position: absolute;

    width: 450px;
    height: 450px;

    right: -220px;
    top: -220px;

    border: 1px solid
        rgba(255, 255, 255, 0.08);

    border-radius: 50%;
}


.claims-feature-inner {
    position: relative;
    z-index: 2;

    display: grid;

    grid-template-columns:
        1fr
        350px;

    gap: 100px;

    align-items: center;
}


.claims-feature-content {
    max-width: 720px;
}


.claims-feature h2 {
    margin-bottom: 20px;

    color: var(--white);

    font-size: clamp(
        34px,
        4vw,
        54px
    );

    letter-spacing: -0.04em;
}


.claims-feature-content p {
    max-width: 650px;

    margin-bottom: 30px;

    color: rgba(255, 255, 255, 0.67);
}


.claims-actions {
    display: flex;

    flex-wrap: wrap;

    gap: 12px;
}


.claims-feature-card {
    padding: 30px;

    background:
        rgba(255, 255, 255, 0.08);

    border: 1px solid
        rgba(255, 255, 255, 0.15);

    border-radius: var(--radius-lg);
}


.claims-card-label {
    color: rgba(255, 255, 255, 0.55);

    font-size: 10px;
    font-weight: 800;
    letter-spacing: 0.14em;
}


.claims-card-icon {
    display: grid;

    width: 55px;
    height: 55px;

    margin: 25px 0 20px;

    place-items: center;

    color: var(--mf-gold);

    background:
        rgba(212, 166, 42, 0.12);

    border-radius: 50%;

    font-size: 22px;
    font-weight: 850;
}


.claims-feature-card h3 {
    margin-bottom: 10px;

    font-size: 22px;
}


.claims-feature-card p {
    margin-bottom: 18px;

    color: rgba(255, 255, 255, 0.60);

    font-size: 13px;
}


.claims-feature-card a {
    color: var(--mf-sky);

    font-size: 13px;
    font-weight: 800;
}


/* ============================================================
   STORY
   ============================================================ */

.story-section {
    background: var(--white);
}


.story-grid {
    display: grid;

    grid-template-columns:
        0.7fr
        1.3fr;

    gap: 110px;

    align-items: center;
}


.story-highlight {
    min-height: 400px;

    display: flex;
    flex-direction: column;
    justify-content: center;

    padding: 50px;

    background:
        linear-gradient(
            145deg,
            var(--surface-blue),
            var(--white)
        );

    border: 1px solid var(--border-light);

    border-radius: var(--radius-lg);
}


.story-year {
    margin: 20px 0 7px;

    color: var(--mf-deep);

    font-size: clamp(
        75px,
        10vw,
        120px
    );

    font-weight: 850;

    line-height: 0.9;

    letter-spacing: -0.08em;
}


.story-year-label {
    color: var(--mf-blue);

    font-size: 13px;
    font-weight: 750;
}


.story-content {
    max-width: 720px;
}


.story-content h2 {
    max-width: 700px;
}


.story-content p {
    color: var(--text-muted);
}


.story-content .btn {
    margin-top: 15px;
}


/* ============================================================
   ACTION SECTION
   ============================================================ */

.action-section {
    padding: 110px 0;

    color: var(--white);

    background: var(--mf-deep);
}


.action-heading {
    max-width: 720px;

    margin-bottom: 55px;
}


.action-heading h2 {
    color: var(--white);
}


.action-heading p {
    color: rgba(255, 255, 255, 0.62);
}


.action-grid {
    display: grid;

    grid-template-columns:
        repeat(3, 1fr);

    gap: 18px;
}


.action-card {
    position: relative;

    min-height: 320px;

    display: flex;
    flex-direction: column;

    padding: 30px;

    background:
        rgba(255, 255, 255, 0.055);

    border: 1px solid
        rgba(255, 255, 255, 0.11);

    border-radius: var(--radius);

    overflow: hidden;

    transition: var(--transition);
}


.action-card:hover {
    background:
        rgba(255, 255, 255, 0.09);

    transform: translateY(-5px);

    border-color:
        rgba(53, 169, 224, 0.45);
}


.action-card-featured {
    background:
        linear-gradient(
            145deg,
            rgba(53, 169, 224, 0.18),
            rgba(53, 169, 224, 0.05)
        );

    border-color:
        rgba(53, 169, 224, 0.28);
}


.action-card-number {
    position: absolute;

    top: 25px;
    right: 28px;

    color: rgba(255, 255, 255, 0.22);

    font-size: 12px;
    font-weight: 850;
}


.action-card-icon {
    display: grid;

    width: 55px;
    height: 55px;

    margin-bottom: 35px;

    place-items: center;

    color: var(--mf-gold);

    background:
        rgba(212, 166, 42, 0.10);

    border-radius: 50%;

    font-size: 19px;
    font-weight: 850;
}


.action-card h3 {
    margin-bottom: 10px;

    font-size: 24px;
}


.action-card p {
    margin-bottom: 20px;

    color: rgba(255, 255, 255, 0.58);

    font-size: 13px;
}


.action-card-link {
    margin-top: auto;

    color: var(--mf-sky);

    font-size: 13px;
    font-weight: 800;
}


/* ============================================================
   FINAL CTA
   ============================================================ */

.final-cta {
    position: relative;

    padding: 90px 0;

    overflow: hidden;

    background:
        linear-gradient(
            135deg,
            var(--mf-blue),
            var(--mf-sky)
        );

    color: var(--white);
}


.final-cta-decoration {
    position: absolute;

    border: 1px solid
        rgba(255, 255, 255, 0.13);

    border-radius: 50%;
}


.final-cta-decoration-one {
    width: 400px;
    height: 400px;

    right: -160px;
    top: -190px;
}


.final-cta-decoration-two {
    width: 250px;
    height: 250px;

    left: -130px;
    bottom: -150px;
}


.final-cta-inner {
    position: relative;
    z-index: 2;

    display: flex;

    justify-content: space-between;
    align-items: center;

    gap: 50px;
}


.final-cta h2 {
    margin-bottom: 12px;

    color: var(--white);
}


.final-cta p {
    margin-bottom: 0;

    color: rgba(255, 255, 255, 0.70);
}


.final-cta-actions {
    display: flex;

    flex-shrink: 0;

    gap: 12px;
}


/* ============================================================
   FOOTER
   ============================================================ */

.site-footer {
    color: rgba(255, 255, 255, 0.65);

    background: #021F36;
}


.footer-main {
    padding: 75px 0;
}


.footer-grid {
    display: grid;

    grid-template-columns:
        1.5fr
        0.8fr
        0.9fr
        1fr;

    gap: 60px;
}


.brand-light .brand-text strong {
    color: var(--white);
}


.brand-light .brand-text small {
    color: var(--mf-sky);
}


.footer-brand > p {
    max-width: 390px;

    margin: 25px 0;

    color: rgba(255, 255, 255, 0.52);

    font-size: 13px;
}


.footer-actions {
    display: flex;

    flex-wrap: wrap;

    gap: 10px;
}


.footer-grid h3 {
    margin-bottom: 20px;

    color: var(--white);

    font-size: 14px;
}


.footer-links {
    padding: 0;
    margin: 0;

    list-style: none;
}


.footer-links li {
    margin-bottom: 10px;
}


.footer-links a {
    color: rgba(255, 255, 255, 0.54);

    font-size: 13px;

    transition: var(--transition);
}


.footer-links a:hover {
    color: var(--mf-sky);
}


.footer-contact {
    font-style: normal;
}


.footer-contact p {
    margin-bottom: 18px;

    font-size: 13px;
}


.footer-contact strong {
    color: rgba(255, 255, 255, 0.85);
}


.footer-contact a {
    color: rgba(255, 255, 255, 0.58);
}


.footer-contact a:hover {
    color: var(--mf-sky);
}


.footer-bottom {
    border-top: 1px solid
        rgba(255, 255, 255, 0.08);
}


.footer-bottom-inner {
    min-height: 70px;

    display: flex;

    align-items: center;
    justify-content: space-between;

    gap: 20px;
}


.footer-bottom p {
    margin: 0;

    color: rgba(255, 255, 255, 0.40);

    font-size: 11px;
}


.footer-bottom-inner > div {
    display: flex;

    gap: 20px;
}


.footer-bottom a {
    color: rgba(255, 255, 255, 0.44);

    font-size: 11px;
}


.footer-bottom a:hover {
    color: var(--white);
}


/* ============================================================
   RESPONSIVE — TABLET
   ============================================================ */

@media (max-width: 1050px) {

    .main-nav {
        gap: 0;
    }


    .main-nav > a {
        padding-inline: 9px;

        font-size: 13px;
    }


    .main-nav .nav-cta {
        margin-left: 5px;
    }


    .hero-inner {
        grid-template-columns:
            minmax(0, 1fr)
            330px;

        gap: 45px;
    }


    .cover-grid {
        grid-template-columns:
            repeat(3, 1fr);
    }


    .process-grid {
        grid-template-columns:
            repeat(3, 1fr);

        row-gap: 30px;
    }


    .process-step {
        border-top: 2px solid var(--border);
    }


    .process-step:nth-child(3) {
        border-top-color: var(--border);
    }


    .footer-grid {
        grid-template-columns:
            repeat(2, 1fr);
    }

}


@media (max-width: 850px) {

    .section {
        padding: 80px 0;
    }


    .menu-toggle {
        display: block;
    }


    .main-nav {
        position: absolute;

        left: 20px;
        right: 20px;
        top: calc(100% + 1px);

        display: none;
        flex-direction: column;

        align-items: stretch;

        padding: 12px;

        background: var(--white);

        border: 1px solid var(--border);

        border-radius: 0 0 var(--radius) var(--radius);

        box-shadow: var(--shadow);
    }


    .main-nav.open {
        display: flex;
    }


    .main-nav > a {
        padding: 13px 15px;
    }


    .main-nav > a.active::after {
        display: none;
    }


    .main-nav .nav-cta {
        margin: 7px 0 0;
        text-align: center;
    }


    .hero {
        min-height: auto;
    }


    .hero-inner {
        grid-template-columns: 1fr;

        padding-top: 80px;
        padding-bottom: 110px;
    }


    .hero-panel {
        max-width: 600px;
    }


    .quick-services-inner {
        grid-template-columns:
            repeat(2, 1fr);
    }


    .quick-service:nth-child(2) {
        border-right: 0;
    }


    .quick-service:nth-child(-n + 2) {
        border-bottom: 1px solid var(--border-light);
    }


    .section-heading,
    .introduction-grid,
    .story-grid,
    .why-grid,
    .claims-feature-inner {
        grid-template-columns: 1fr;

        gap: 35px;
    }


    .section-number {
        display: none;
    }


    .category-grid {
        grid-template-columns: 1fr;
    }


    .category-card {
        min-height: 350px;
    }


    .why-grid {
        gap: 60px;
    }


    .claims-feature-inner {
        gap: 50px;
    }


    .claims-feature-card {
        max-width: 500px;
    }


    .story-highlight {
        min-height: 300px;
    }


    .final-cta-inner {
        flex-direction: column;

        align-items: flex-start;
    }

}


@media (max-width: 650px) {

    .container {
        width: min(
            calc(100% - 28px),
            var(--container)
        );
    }


    .section {
        padding: 65px 0;
    }


    .header-inner {
        min-height: 72px;
    }


    .brand-mark {
        width: 40px;
        height: 40px;
    }


    .brand-text strong {
        font-size: 17px;
    }


    .brand-text small {
        font-size: 7px;
    }


    .hero-inner {
        padding-top: 65px;
        padding-bottom: 90px;
    }


    .hero h1 {
        font-size: 48px;
    }


    .hero-description {
        font-size: 16px;
    }


    .hero-actions {
        flex-direction: column;
        align-items: stretch;
    }


    .hero-actions .btn {
        width: 100%;
    }


    .hero-trust {
        flex-wrap: wrap;

        gap: 15px;
    }


    .hero-trust-divider {
        display: none;
    }


    .hero-panel {
        padding: 22px;
    }


    .hero-panel h2 {
        font-size: 26px;
    }


    .quick-services {
        margin-top: -30px;
    }


    .quick-services-inner {
        grid-template-columns: 1fr;
    }


    .quick-service {
        min-height: 85px;

        border-right: 0;
        border-bottom: 1px solid var(--border-light);
    }


    .quick-service:last-child {
        border-bottom: 0;
    }


    .section-heading h2,
    .introduction-content h2,
    .story-content h2,
    .why-intro h2,
    .action-heading h2,
    .final-cta h2 {
        font-size: 36px;
    }


    .lead {
        font-size: 18px;
    }


    .cover-grid {
        grid-template-columns:
            repeat(2, 1fr);
    }


    .cover-card {
        min-height: 255px;

        padding: 20px;
    }


    .cover-card-top {
        margin-bottom: 25px;
    }


    .cover-card h3 {
        font-size: 18px;
    }


    .desktop-link {
        display: none;
    }


    .mobile-centered-link {
        display: flex;

        justify-content: center;

        margin-top: 30px;
    }


    .process-grid {
        grid-template-columns: 1fr;
    }


    .process-step {
        padding: 22px 0;

        border-top: 1px solid var(--border);
    }


    .process-step:not(:last-child)::after {
        display: none;
    }


    .process-number {
        margin-bottom: 12px;
    }


    .process-step h3 {
        min-height: auto;
    }


    .claims-feature {
        padding: 70px 0;
    }


    .claims-feature h2 {
        font-size: 36px;
    }


    .claims-actions {
        flex-direction: column;
        align-items: stretch;
    }


    .claims-actions .btn {
        width: 100%;
    }


    .story-highlight {
        min-height: 260px;

        padding: 35px;
    }


    .story-year {
        font-size: 85px;
    }


    .action-section {
        padding: 70px 0;
    }


    .action-grid {
        grid-template-columns: 1fr;
    }


    .action-card {
        min-height: 280px;
    }


    .final-cta {
        padding: 70px 0;
    }


    .final-cta-actions {
        width: 100%;

        flex-direction: column;
    }


    .final-cta-actions .btn {
        width: 100%;
    }


    .footer-main {
        padding: 60px 0;
    }


    .footer-grid {
        grid-template-columns: 1fr;

        gap: 40px;
    }


    .footer-bottom-inner {
        padding: 20px 0;

        flex-direction: column;

        align-items: flex-start;
    }


    .footer-bottom-inner > div {
        flex-wrap: wrap;
    }

}


@media (max-width: 430px) {

    .hero h1 {
        font-size: 42px;
    }


    .cover-grid {
        grid-template-columns: 1fr;
    }


    .cover-card {
        min-height: 230px;
    }


    .category-card {
        min-height: 390px;

        padding: 25px;
    }


    .value-item {
        grid-template-columns:
            35px
            1fr;
    }


    .value-arrow {
        display: none;
    }

}


/* ============================================================
   REDUCED MOTION
   ============================================================ */

@media (prefers-reduced-motion: reduce) {

    html {
        scroll-behavior: auto;
    }


    *,
    *::before,
    *::after {
        transition: none !important;
        animation: none !important;
    }

}/* =========================================================
   MFARUSI MODERN HERO
   Uses:
   assets/images/insurance-digital.jpg
   assets/images/mfarusi-logo-transparent.png
========================================================= */

.hero-modern {
    position: relative;
    min-height: 760px;
    display: flex;
    align-items: center;
    overflow: hidden;
    isolation: isolate;
    background: #061a33;
}


/* =========================================================
   BACKGROUND IMAGE
========================================================= */

.hero-modern .hero-background-image {
    position: absolute;
    inset: -6%;
    z-index: -5;

    background-image:
        url('../images/insurance-digital.jpg');

    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;

    animation: mfarusiHeroZoom 18s ease-in-out infinite alternate;

    transform-origin: center center;
    will-change: transform;
}


/* =========================================================
   BRAND OVERLAY
========================================================= */

.hero-modern .hero-overlay {
    position: absolute;
    inset: 0;
    z-index: -4;

    background:
        linear-gradient(
            90deg,
            rgba(3, 20, 42, 0.96) 0%,
            rgba(5, 28, 54, 0.88) 35%,
            rgba(5, 28, 54, 0.66) 65%,
            rgba(3, 18, 38, 0.82) 100%
        );
}


/* =========================================================
   ANIMATED LIGHT GLOWS
========================================================= */

.hero-glow {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
    z-index: -2;
    filter: blur(10px);
    opacity: 0.45;
}

.hero-glow-one {
    width: 420px;
    height: 420px;
    right: 4%;
    top: 8%;

    background: rgba(49, 173, 235, 0.22);

    animation:
        heroGlowOne 8s ease-in-out infinite alternate;
}

.hero-glow-two {
    width: 280px;
    height: 280px;
    left: 30%;
    bottom: -80px;

    background: rgba(236, 181, 57, 0.18);

    animation:
        heroGlowTwo 10s ease-in-out infinite alternate;
}


/* =========================================================
   SUBTLE GRID
========================================================= */

.hero-grid {
    position: absolute;
    inset: 0;
    z-index: -1;
    pointer-events: none;

    opacity: 0.09;

    background-image:
        linear-gradient(
            rgba(255,255,255,0.18) 1px,
            transparent 1px
        ),
        linear-gradient(
            90deg,
            rgba(255,255,255,0.18) 1px,
            transparent 1px
        );

    background-size: 70px 70px;

    mask-image:
        linear-gradient(
            to bottom,
            transparent,
            black 25%,
            black 75%,
            transparent
        );
}


/* =========================================================
   HERO CONTENT
========================================================= */

.hero-modern .hero-inner {
    position: relative;
    z-index: 3;

    display: grid;
    grid-template-columns:
        minmax(0, 1.25fr)
        minmax(350px, 0.75fr);

    gap: 70px;

    align-items: center;

    padding-top: 100px;
    padding-bottom: 100px;
}


/* =========================================================
   MFARUSI BRAND LOCKUP
========================================================= */

.hero-brand {
    display: flex;
    align-items: center;
    gap: 16px;

    margin-bottom: 28px;
}

.hero-logo-wrap {
    width: 82px;
    height: 82px;

    display: flex;
    align-items: center;
    justify-content: center;

    padding: 10px;

    border-radius: 18px;

    background: rgba(255,255,255,0.97);

    box-shadow:
        0 15px 40px rgba(0,0,0,0.24),
        0 0 0 1px rgba(255,255,255,0.15);

    animation: logoFloat 5s ease-in-out infinite;
}

.hero-logo {
    display: block;

    width: 100%;
    height: 100%;

    object-fit: contain;
}

.hero-brand-text {
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.hero-brand-text span {
    color: #ffffff;

    font-size: 0.82rem;
    font-weight: 800;

    letter-spacing: 0.14em;
}

.hero-brand-text small {
    color: rgba(255,255,255,0.68);

    font-size: 0.66rem;
    font-weight: 600;

    letter-spacing: 0.2em;
}


/* =========================================================
   BADGE
========================================================= */

.hero-modern .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 9px;

    padding: 9px 15px;

    border: 1px solid rgba(255,255,255,0.20);

    border-radius: 999px;

    background: rgba(255,255,255,0.08);

    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);

    color: rgba(255,255,255,0.88);

    font-size: 0.69rem;
    font-weight: 700;

    letter-spacing: 0.13em;

    margin-bottom: 25px;
}

.hero-modern .hero-badge-dot {
    width: 7px;
    height: 7px;

    border-radius: 50%;

    background: #e6b73f;

    box-shadow:
        0 0 0 5px rgba(230,183,63,0.12),
        0 0 18px rgba(230,183,63,0.65);

    animation: badgePulse 2.2s ease-in-out infinite;
}


/* =========================================================
   HERO HEADING
========================================================= */

.hero-modern h1 {
    max-width: 760px;

    margin: 0;

    color: #ffffff;

    font-size: clamp(
        3.4rem,
        6vw,
        6rem
    );

    line-height: 0.98;

    letter-spacing: -0.055em;

    font-weight: 800;
}

.hero-modern h1 span {
    display: block;

    margin-top: 10px;

    color: #55b9ea;
}


/* =========================================================
   DESCRIPTION
========================================================= */

.hero-modern .hero-description {
    max-width: 650px;

    margin-top: 28px;
    margin-bottom: 0;

    color: rgba(255,255,255,0.80);

    font-size: 1.08rem;

    line-height: 1.75;
}


/* =========================================================
   BUTTONS
========================================================= */

.hero-modern .hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;

    margin-top: 34px;
}

.hero-modern .hero-main-btn {
    box-shadow:
        0 12px 35px rgba(0,0,0,0.24);
}

.hero-modern .hero-main-btn:hover {
    transform: translateY(-3px);

    box-shadow:
        0 18px 42px rgba(0,0,0,0.30);
}

.hero-modern .btn {
    transition:
        transform 0.25s ease,
        box-shadow 0.25s ease,
        background 0.25s ease;
}


/* =========================================================
   TRUST
========================================================= */

.hero-modern .hero-trust {
    display: flex;
    align-items: center;

    margin-top: 52px;
}

.hero-modern .hero-trust-item {
    display: flex;
    flex-direction: column;

    min-width: 120px;
}

.hero-modern .hero-trust-item strong {
    color: #ffffff;

    font-size: 1.15rem;
    font-weight: 800;
}

.hero-modern .hero-trust-item span {
    margin-top: 4px;

    color: rgba(255,255,255,0.56);

    font-size: 0.72rem;
}

.hero-modern .hero-trust-divider {
    width: 1px;
    height: 38px;

    margin: 0 25px;

    background: rgba(255,255,255,0.18);
}


/* =========================================================
   GLASS PANEL
========================================================= */

.hero-panel-modern {
    position: relative;

    overflow: hidden;

    padding: 34px;

    border:
        1px solid rgba(255,255,255,0.20);

    border-radius: 28px;

    background:
        linear-gradient(
            145deg,
            rgba(255,255,255,0.15),
            rgba(255,255,255,0.055)
        );

    backdrop-filter: blur(22px);
    -webkit-backdrop-filter: blur(22px);

    box-shadow:
        0 30px 80px rgba(0,0,0,0.28);

    animation:
        panelFloat 6s ease-in-out infinite;
}


/* Shine animation */

.hero-panel-shine {
    position: absolute;

    width: 180px;
    height: 500px;

    top: -180px;
    left: -220px;

    background:
        linear-gradient(
            90deg,
            transparent,
            rgba(255,255,255,0.16),
            transparent
        );

    transform: rotate(25deg);

    animation:
        panelShine 7s ease-in-out infinite;
}


/* Panel header */

.hero-panel-modern .hero-panel-header {
    position: relative;

    display: flex;
    justify-content: space-between;
    align-items: center;

    padding-bottom: 22px;

    border-bottom:
        1px solid rgba(255,255,255,0.14);

    color: rgba(255,255,255,0.65);

    font-size: 0.68rem;
    font-weight: 700;

    letter-spacing: 0.16em;
}

.hero-panel-modern .hero-panel-icon {
    display: flex;
    align-items: center;
    justify-content: center;

    width: 34px;
    height: 34px;

    border-radius: 50%;

    background: rgba(230,183,63,0.15);

    color: #e6b73f;

    font-size: 1rem;
}


/* Panel body */

.hero-panel-modern .hero-panel-main {
    position: relative;

    padding: 30px 0 25px;
}

.hero-panel-modern .hero-panel-label {
    display: block;

    color: #55b9ea;

    font-size: 0.67rem;
    font-weight: 800;

    letter-spacing: 0.13em;

    margin-bottom: 14px;
}

.hero-panel-modern h2 {
    margin: 0;

    color: #ffffff;

    font-size: clamp(
        1.8rem,
        3vw,
        2.55rem
    );

    line-height: 1.1;

    letter-spacing: -0.035em;
}

.hero-panel-modern .hero-panel-main p {
    margin: 18px 0 0;

    color: rgba(255,255,255,0.68);

    font-size: 0.94rem;

    line-height: 1.7;
}


/* =========================================================
   PANEL LIST
========================================================= */

.hero-panel-modern .hero-panel-list {
    display: grid;
    gap: 10px;
}

.hero-panel-modern .hero-panel-item {
    display: flex;
    align-items: center;
    gap: 13px;

    padding: 13px 14px;

    border:
        1px solid rgba(255,255,255,0.09);

    border-radius: 12px;

    background: rgba(0,0,0,0.10);

    color: rgba(255,255,255,0.85);

    font-size: 0.82rem;

    transition:
        transform 0.25s ease,
        background 0.25s ease;
}

.hero-panel-modern .hero-panel-item:hover {
    transform: translateX(5px);

    background: rgba(255,255,255,0.08);
}

.hero-panel-modern .panel-check {
    display: flex;
    align-items: center;
    justify-content: center;

    width: 24px;
    height: 24px;

    flex: 0 0 24px;

    border-radius: 50%;

    background: rgba(85,185,234,0.15);

    color: #55b9ea;

    font-size: 0.72rem;
    font-weight: 800;
}


/* =========================================================
   PANEL LINK
========================================================= */

.hero-panel-modern .hero-panel-link {
    display: flex;
    justify-content: space-between;
    align-items: center;

    margin-top: 25px;
    padding-top: 20px;

    border-top:
        1px solid rgba(255,255,255,0.13);

    color: #ffffff;

    font-size: 0.82rem;
    font-weight: 700;

    text-decoration: none;
}

.hero-panel-modern .hero-panel-link span {
    color: #e6b73f;

    font-size: 1.2rem;

    transition: transform 0.25s ease;
}

.hero-panel-modern .hero-panel-link:hover span {
    transform: translateX(5px);
}


/* =========================================================
   SCROLL INDICATOR
========================================================= */

.hero-scroll {
    position: absolute;

    left: 50%;
    bottom: 25px;

    transform: translateX(-50%);

    display: flex;
    align-items: center;
    gap: 12px;

    color: rgba(255,255,255,0.46);

    font-size: 0.59rem;
    font-weight: 700;

    letter-spacing: 0.18em;

    z-index: 5;
}

.hero-scroll-line {
    display: block;

    width: 38px;
    height: 1px;

    background: rgba(255,255,255,0.38);

    animation:
        scrollLine 2s ease-in-out infinite;
}


/* =========================================================
   ANIMATIONS
========================================================= */

@keyframes mfarusiHeroZoom {

    0% {
        transform:
            scale(1)
            translate3d(0,0,0);
    }

    100% {
        transform:
            scale(1.08)
            translate3d(-1.5%, -1%, 0);
    }
}


@keyframes logoFloat {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-5px);
    }
}


@keyframes badgePulse {

    0%,
    100% {
        opacity: 1;
        transform: scale(1);
    }

    50% {
        opacity: 0.55;
        transform: scale(0.85);
    }
}


@keyframes heroGlowOne {

    0% {
        transform:
            translate3d(0,0,0)
            scale(1);
    }

    100% {
        transform:
            translate3d(-40px,35px,0)
            scale(1.18);
    }
}


@keyframes heroGlowTwo {

    0% {
        transform:
            translate3d(0,0,0)
            scale(1);
    }

    100% {
        transform:
            translate3d(80px,-40px,0)
            scale(1.15);
    }
}


@keyframes panelFloat {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-8px);
    }
}


@keyframes panelShine {

    0% {
        transform:
            translateX(0)
            rotate(25deg);
    }

    45%,
    100% {
        transform:
            translateX(700px)
            rotate(25deg);
    }
}


@keyframes scrollLine {

    0%,
    100% {
        width: 25px;
        opacity: 0.4;
    }

    50% {
        width: 45px;
        opacity: 1;
    }
}


/* =========================================================
   RESPONSIVE
========================================================= */

@media (max-width: 1050px) {

    .hero-modern {
        min-height: auto;
    }

    .hero-modern .hero-inner {
        grid-template-columns: 1fr;

        gap: 45px;

        padding-top: 80px;
        padding-bottom: 90px;
    }

    .hero-modern .hero-panel-modern {
        max-width: 620px;
    }

}


@media (max-width: 700px) {

    .hero-modern .hero-inner {
        padding-top: 65px;
        padding-bottom: 75px;
    }

    .hero-brand {
        margin-bottom: 22px;
    }

    .hero-logo-wrap {
        width: 68px;
        height: 68px;

        border-radius: 15px;
    }

    .hero-brand-text span {
        font-size: 0.70rem;
    }

    .hero-brand-text small {
        font-size: 0.56rem;
    }

    .hero-modern h1 {
        font-size: clamp(
            2.65rem,
            13vw,
            4rem
        );
    }

    .hero-modern .hero-description {
        font-size: 0.96rem;
        line-height: 1.65;
    }

    .hero-modern .hero-actions {
        flex-direction: column;
        align-items: stretch;
    }

    .hero-modern .hero-actions .btn {
        width: 100%;
        justify-content: center;
    }

    .hero-modern .hero-trust {
        margin-top: 38px;
    }

    .hero-modern .hero-trust-item {
        min-width: auto;
    }

    .hero-modern .hero-trust-divider {
        margin: 0 12px;
    }

    .hero-modern .hero-trust-item strong {
        font-size: 0.95rem;
    }

    .hero-modern .hero-trust-item span {
        font-size: 0.61rem;
    }

    .hero-panel-modern {
        padding: 25px;

        border-radius: 22px;
    }

    .hero-panel-modern h2 {
        font-size: 1.75rem;
    }

    .hero-scroll {
        display: none;
    }

}


@media (prefers-reduced-motion: reduce) {

    .hero-modern .hero-background-image,
    .hero-glow,
    .hero-logo-wrap,
    .hero-badge-dot,
    .hero-panel-modern,
    .hero-panel-shine,
    .hero-scroll-line {
        animation: none !important;
    }

}