html {
  scroll-padding-top: 90px;
  /* height of your fixed navbar */
}

.badge-status {
  padding: 0.4em 0.8em;
  border-radius: 50px;
  font-weight: 500;
  font-size: 0.85rem;
  color: #fff;
}

.badge-active {
  background: linear-gradient(90deg, #38b000, #70e000);
}

.badge-inactive {
  background: linear-gradient(90deg, #e63946, #ff6b6b);
}

.badge-approved {
  background: linear-gradient(90deg, #007bff, #66bfff);
}

.badge-pending {
  background: linear-gradient(90deg, #ffb703, #fb8500);
}

.table-hover tbody tr:hover {
  background-color: #f2f4f7;
  transition: 0.2s;
}

/* Make both tagline and navbar fixed */
.tagline {
  /* position: fixed; */
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1050;
}

.navbar-custom {
  position: fixed;
  top: 40px;
  /* set to tagline height */
  left: 0;
  width: 100%;
  z-index: 1040;
}

/* Add spacing for content below fixed header */
body {
  padding-top: calc(40px + 60px);
  /* tagline height + navbar height */
}

/* GLOBAL STYLING */
body {
  font-family: "Poppins", sans-serif;
  background: #f8f9fa;
  color: #333;
}

h1,
h2,
h3,
h4,
h5 {
  font-weight: 600;
}

.text-muted {
  color: #6c757d !important;
}

a {
  text-decoration: none;
}

/* NAVBAR */
.navbar-custom {
  background: #fff;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}

.navbar-nav .nav-link {
  font-weight: 500;
  padding: 0.7rem 1rem;
}

.navbar-toggler {
  border: none;
}

.navbar-brand img {
  height: 40px;
}

/* HERO SECTION */
.hero-section {
  min-height: 70vh;
  background: linear-gradient(135deg, #eef4ff, #f8fbff);
  display: flex;
  align-items: center;
}

.section-benefits {
  position: relative;
  padding-top: 0px !important;
  padding-bottom: 80px;
}

.hero-section h1 {
  color: #1c2b4a;
  font-size: 2.8rem;
  line-height: 1.3;
}

.hero-section p {
  font-size: 1.1rem;
  color: #555;
}

.hero-section .btn-primary {
  padding: 0.75rem 2rem;
  border-radius: 50px;
}

/* SERVICES / BENEFITS */
.services-box {
  background: #fff;
  border-radius: 16px;
  padding: 30px 20px;
  text-align: center;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
  transition: all 0.3s ease;
}

.services-box:hover {
  transform: translateY(-8px);
  box-shadow: 0 14px 30px rgba(0, 0, 0, 0.08);
}

.services-box i {
  font-size: 36px;
  color: #0d6efd;
  margin-bottom: 15px;
}

.services-box h4 {
  font-size: 1.1rem;
  margin-bottom: 10px;
}

.services-box p {
  color: #6c757d;
}

/* TABLES */
.table {
  border-radius: 12px;
  overflow: hidden;
  background: #fff;
}

.table thead {
  font-weight: 600;
}

.table tbody tr:hover {
  background: #f1f7ff;
}

.table-responsive {
  margin-bottom: 50px;
}

/* TD CALCULATOR */
.td-calculator-card,
.td-summary-card {
  background: #fff;
  border-radius: 16px;
  padding: 25px;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.06);
  transition: 0.3s ease;
}

.td-calculator-card:hover,
.td-summary-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 30px rgba(0, 0, 0, 0.08);
}

.td-header {
  text-align: center;
  margin-bottom: 20px;
}

.td-header i {
  font-size: 28px;
  color: #0d6efd;
  margin-bottom: 8px;
}

.td-header h5 {
  font-weight: 600;
  color: #333;
}

.td-header p {
  font-size: 13px;
  color: #777;
  margin: 0;
}

.td-input-group label {
  font-weight: 500;
  margin-bottom: 6px;
  display: block;
}

.input-wrapper {
  position: relative;
}

.peso-symbol {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-weight: 600;
}

#depositAmount {
  width: 100%;
  padding: 10px 12px 10px 35px;
  border-radius: 10px;
  border: 1px solid #dcdcdc;
  transition: 0.2s ease;
}

#depositAmount:focus,
#depositTerm:focus {
  border-color: #0d6efd;
  box-shadow: 0 0 0 3px rgba(13, 110, 253, 0.1);
  outline: none;
}

#depositTerm {
  width: 100%;
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid #dcdcdc;
}

/* TD ROWS */
.td-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px dashed #e5e5e5;
  font-size: 15px;
}

.td-row:last-child {
  border-bottom: none;
}

.td-row span {
  color: #666;
}

.td-row strong {
  color: #222;
}

.td-row.highlight strong {
  color: #0d6efd;
  font-weight: 600;
}

.td-row.maturity {
  margin-top: 10px;
  padding: 15px;
  background: linear-gradient(90deg, #e9f5ff, #ffffff);
  border-radius: 10px;
  font-weight: 700;
  color: #198754;
}

/* FEATURES */
.feature-icon i {
  font-size: 28px;
  color: #0d6efd;
  margin-right: 15px;
}

/* TESTIMONIAL */
.testi-box {
  border-radius: 16px;
  background: #fff;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
  transition: 0.3s;
  margin-bottom: 20px;
}

.testi-box:hover {
  transform: translateY(-5px);
}

.testi-desc p {
  color: #555;
}

/* FAQ */
.faq-box h5 {
  font-weight: 500;
}

.faq-box p {
  color: #6c757d;
}

.nav-pills .nav-link.active {
  background-color: #0d6efd;
  color: #fff;
  border-radius: 50px;
}

/* RESPONSIVE */
@media (max-width: 992px) {
  .hero-section {
    text-align: center;
  }

  .hero-section h1 {
    font-size: 2rem;
  }

  .hero-img {
    max-height: 300px;
  }
}

@media (max-width: 768px) {
  .services-box {
    margin-bottom: 20px;
  }

  .td-calculator-card,
  .td-summary-card {
    margin-bottom: 20px;
  }
}

@media (max-width: 576px) {
  .hero-section h1 {
    font-size: 1.8rem;
  }

  .td-row {
    font-size: 14px;
  }

  .td-row strong {
    font-size: 15px;
  }
}

/* Benefits Section Enhancements */
.services-box {
  transition:
    transform 0.4s ease,
    box-shadow 0.4s ease;
}

.services-box:hover {
  transform: translateY(-10px);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.12);
}

.icon-circle {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: rgba(13, 110, 253, 0.1);
  font-size: 2rem;
}

.hover-scale:hover .icon-circle {
  transform: scale(1.1);
  transition: 0.4s ease;
}

h4 {
  font-size: 1.25rem;
}

p {
  font-size: 0.95rem;
  line-height: 1.6;
}

/* LOGIN NAV BUTTON */
.btn-login-nav {
  display: flex;
  align-items: center;
  justify-content: center;

  padding: 8px 22px;
  border-radius: 50px;
  font-weight: 500;

  color: #fff;
  background: linear-gradient(135deg, #0d6efd, #4dabf7);

  box-shadow: 0 6px 18px rgba(13, 110, 253, 0.35);
  transition: all 0.35s ease;

  position: relative;
  overflow: hidden;

  margin-top: 3px;
  /* aligns vertically with nav links */
}

/* Shine animation */
.btn-login-nav::before {
  content: "";
  position: absolute;
  top: 0;
  left: -75%;
  width: 50%;
  height: 100%;
  background: linear-gradient(
    120deg,
    transparent,
    rgba(255, 255, 255, 0.6),
    transparent
  );
  transform: skewX(-25deg);
}

/* Shine on hover */
.btn-login-nav:hover::before {
  animation: shine 0.8s forwards;
}

@keyframes shine {
  100% {
    left: 125%;
  }
}

/* Hover effect */
.btn-login-nav:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(13, 110, 253, 0.45);
  color: #fff;
}

.tagline {
  font-size: 13px;
  padding: 6px 0;
}

/* Hide dark contact bar on mobile */
@media (max-width: 991px) {
  .tagline {
    display: none;
  }
}

/* Push navbar down when tagline is visible */
@media (min-width: 992px) {
  .navbar-custom {
    top: 45px;
  }
}

/* Mobile navbar sticks to top */
@media (max-width: 991px) {
  .navbar-custom {
    top: 0;
  }
}

.btn-login-mobile {
  display: inline-flex;
  align-items: center;
  justify-content: center;

  padding: 6px 18px;
  border-radius: 50px;

  font-size: 14px;
  font-weight: 500;

  color: #fff;
  background: linear-gradient(135deg, #0d6efd, #4dabf7);

  box-shadow: 0 5px 15px rgba(13, 110, 253, 0.35);
  transition: all 0.3s ease;
}

.btn-login-mobile:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(13, 110, 253, 0.45);
  color: #fff;
}

/* SECTION BACKGROUND */

.section-benefits {
  padding: 90px 0;
  background: linear-gradient(180deg, #f8fbff, #ffffff);
}

/* TITLE */

.benefit-title {
  font-weight: 700;
  font-size: 34px;
  margin-bottom: 15px;
}

.benefit-subtitle {
  color: #6c757d;
  font-size: 17px;
}

/* CARD */

.benefit-card {
  background: #fff;
  padding: 40px 30px;
  border-radius: 16px;
  text-align: center;
  position: relative;

  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.06);
  transition: all 0.35s ease;
}

/* hover effect */

.benefit-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.12);
}

/* ICON */

.benefit-icon {
  width: 70px;
  height: 70px;

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

  border-radius: 50%;
  margin: 0 auto 20px;
  font-size: 32px;
}

/* soft backgrounds */

.bg-primary-soft {
  background: rgba(13, 110, 253, 0.12);
  color: #0d6efd;
}

.bg-success-soft {
  background: rgba(25, 135, 84, 0.12);
  color: #198754;
}

.bg-warning-soft {
  background: rgba(255, 193, 7, 0.15);
  color: #ffb703;
}

/* accent gradient line */

.card-accent {
  height: 3px;
  width: 0%;
  margin: 25px auto 0;
  background: linear-gradient(90deg, #0d6efd, #4dabf7);
  transition: width 0.35s ease;
}

.benefit-card:hover .card-accent {
  width: 60%;
}

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

.hero-premium {
  min-height: 92vh;
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(
      circle at top left,
      rgba(13, 110, 253, 0.12),
      transparent 35%
    ),
    radial-gradient(
      circle at bottom right,
      rgba(77, 171, 247, 0.12),
      transparent 35%
    ),
    linear-gradient(135deg, #f8fbff, #ffffff);
  padding: 90px 0 70px;
}

/* blur effects */
.hero-blur {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.45;
}

.hero-blur-1 {
  width: 260px;
  height: 260px;
  background: #0d6efd;
  top: -60px;
  left: -60px;
}

.hero-blur-2 {
  width: 260px;
  height: 260px;
  background: #4dabf7;
  bottom: -80px;
  right: -60px;
}

/* badge */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
  border-radius: 50px;
  background: rgba(13, 110, 253, 0.08);
  color: #0d6efd;
  font-weight: 600;
  font-size: 14px;
}

/* title */
.hero-title {
  font-size: 3.6rem;
  line-height: 1.15;
  font-weight: 800;
  color: #132238;
  margin: 0;
}

.hero-title span {
  background: linear-gradient(135deg, #0d6efd, #4dabf7);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* subtitle */
.hero-subtitle {
  font-size: 1.12rem;
  line-height: 1.8;
  color: #6c757d;
  max-width: 540px;
}

/* buttons */
.hero-actions {
  display: flex;
  gap: 15px;
  flex-wrap: wrap;
}

.btn-hero-primary,
.btn-hero-outline {
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  transition: 0.35s ease;
  text-decoration: none;
}

.btn-hero-primary {
  color: #fff;
  background: linear-gradient(135deg, #0d6efd, #4dabf7);
  box-shadow: 0 12px 25px rgba(13, 110, 253, 0.25);
}

.btn-hero-primary:hover {
  transform: translateY(-3px);
  color: #fff;
}

.btn-hero-outline {
  border: 1px solid #d9e6ff;
  color: #1c2b4a;
  background: #fff;
}

.btn-hero-outline:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 25px rgba(0, 0, 0, 0.06);
  color: #1c2b4a;
}

/* stats */
.hero-stats {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

.hero-stat-box {
  min-width: 130px;
  padding: 18px;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.06);
}

.hero-stat-box h4 {
  margin: 0;
  font-weight: 800;
  color: #0d6efd;
}

.hero-stat-box span {
  font-size: 14px;
  color: #6c757d;
}

/* image side */
.hero-image-wrap {
  position: relative;
  display: inline-block;
}

.hero-main-image {
  max-width: 520px;
  animation: floatHero 4s ease-in-out infinite;
}

/* floating cards */
.hero-floating-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.95);
  padding: 12px 18px;
  border-radius: 14px;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.08);
  font-weight: 600;
  color: #1c2b4a;
}

.hero-floating-card i {
  color: #0d6efd;
  margin-right: 6px;
}

.card-top {
  top: 12%;
  left: -30px;
}

.card-bottom {
  bottom: 10%;
  right: -20px;
}

/* animation */
@keyframes floatHero {
  0%,
  100% {
    transform: translateY(0px);
  }

  50% {
    transform: translateY(-12px);
  }
}

/* responsive */
@media (max-width: 991px) {
  .hero-premium {
    text-align: center;
    min-height: auto;
    padding: 70px 0;
  }

  .hero-title {
    font-size: 2.5rem;
  }

  .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-actions,
  .hero-stats {
    justify-content: center;
  }

  .hero-main-image {
    max-width: 100%;
  }

  .card-top,
  .card-bottom {
    position: static;
    display: inline-block;
    margin: 10px 6px 0;
  }
}

@media (max-width: 576px) {
  .hero-title {
    font-size: 2rem;
  }

  .hero-stat-box {
    width: 100%;
  }

  .btn-hero-primary,
  .btn-hero-outline {
    width: 100%;
  }
}

/* ================= BENEFITS PREMIUM ================= */

.benefits-premium {
  padding: 100px 0;
  background: linear-gradient(180deg, #ffffff, #f6f9ff);
  position: relative;
}

/* badge */
.benefits-badge {
  display: inline-block;
  padding: 8px 16px;
  border-radius: 50px;
  background: rgba(13, 110, 253, 0.08);
  color: #0d6efd;
  font-weight: 600;
  font-size: 13px;
}

/* title */
.benefits-title {
  font-size: 2.4rem;
  font-weight: 800;
  color: #132238;
}

.benefits-subtitle {
  color: #6c757d;
  font-size: 1.05rem;
  line-height: 1.7;
}

/* card */
.benefit-card-premium {
  background: #fff;
  padding: 38px 30px;
  border-radius: 20px;
  text-align: center;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.06);
  transition: 0.35s ease;
  position: relative;
  overflow: hidden;
}

.benefit-card-premium:hover {
  transform: translateY(-10px);
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.12);
}

/* icon */
.icon-wrap {
  width: 75px;
  height: 75px;
  margin: 0 auto 20px;
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 32px;
  color: #fff;
}

/* icon colors */
.icon-wrap.blue {
  background: linear-gradient(135deg, #0d6efd, #4dabf7);
}

.icon-wrap.green {
  background: linear-gradient(135deg, #198754, #43d17a);
}

.icon-wrap.gold {
  background: linear-gradient(135deg, #ffb703, #ffdd57);
  color: #1c2b4a;
}

/* text */
.benefit-card-premium h4 {
  font-weight: 700;
  font-size: 1.2rem;
  margin-bottom: 12px;
  color: #1c2b4a;
}

.benefit-card-premium p {
  color: #6c757d;
  font-size: 0.98rem;
  line-height: 1.7;
}

/* accent line */
.card-line {
  height: 3px;
  width: 0%;
  margin: 25px auto 0;
  background: linear-gradient(90deg, #0d6efd, #4dabf7);
  transition: 0.35s ease;
}

.benefit-card-premium:hover .card-line {
  width: 60%;
}

/* responsive */
@media (max-width: 768px) {
  .benefits-title {
    font-size: 1.8rem;
  }
}

/* ===== PREMIUM HOW IT WORKS ===== */

.section-how-premium {
  background: linear-gradient(180deg, #ffffff, #f8fbff);
  position: relative;
  overflow: hidden;
}

.how-badge {
  display: inline-block;
  padding: 8px 18px;
  border-radius: 50px;
  background: rgba(13, 110, 253, 0.08);
  color: #0d6efd;
  font-weight: 600;
  font-size: 14px;
}

/* center line */
.how-timeline {
  position: relative;
  max-width: 1100px;
  margin: auto;
  padding: 20px 0;
}

.how-timeline::before {
  content: "";
  position: absolute;
  left: 50%;
  top: 0;
  width: 3px;
  height: 100%;
  background: linear-gradient(#dce8ff, #0d6efd, #dce8ff);
  transform: translateX(-50%);
  border-radius: 10px;
}

/* step row */
.how-step {
  width: 50%;
  position: relative;
  margin-bottom: 35px;
}

.how-step.left {
  padding-right: 55px;
  left: 0;
}

.how-step.right {
  left: 50%;
  padding-left: 55px;
}

/* circle dot */
.how-step::before {
  content: "";
  position: absolute;
  top: 42px;
  width: 18px;
  height: 18px;
  background: #0d6efd;
  border: 4px solid #fff;
  box-shadow: 0 0 0 5px rgba(13, 110, 253, 0.12);
  border-radius: 50%;
  z-index: 5;
}

.how-step.left::before {
  right: -9px;
}

.how-step.right::before {
  left: -9px;
}

/* card */
.how-content {
  background: #fff;
  border-radius: 20px;
  padding: 30px;
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.07);
  transition: 0.35s ease;
  position: relative;
}

.how-content:hover {
  transform: translateY(-8px);
  box-shadow: 0 25px 55px rgba(0, 0, 0, 0.12);
}

.how-content.active {
  border: 1px solid rgba(25, 135, 84, 0.15);
}

/* step no */
.step-no {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 2px;
  color: #0d6efd;
  margin-bottom: 10px;
}

/* icon */
.how-icon {
  width: 68px;
  height: 68px;
  border-radius: 18px;
  background: linear-gradient(135deg, #0d6efd, #4dabf7);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 30px;
  margin-bottom: 18px;
  box-shadow: 0 12px 25px rgba(13, 110, 253, 0.25);
}

.how-content h4 {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: #1c2b4a;
}

.how-content p {
  margin: 0;
  color: #6c757d;
  line-height: 1.7;
}

/* mobile */
@media (max-width: 991px) {
  .how-timeline::before {
    left: 20px;
  }

  .how-step,
  .how-step.right,
  .how-step.left {
    width: 100%;
    left: 0;
    padding-left: 55px;
    padding-right: 0;
  }

  .how-step::before,
  .how-step.left::before,
  .how-step.right::before {
    left: 11px;
    right: auto;
  }

  .how-content {
    padding: 25px;
  }
}

.rate-card {
  border-radius: 18px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.08);
}

.rate-header {
  background: linear-gradient(135deg, #0d6efd, #4dabf7);
  color: #fff;
  padding: 18px;
  font-weight: 600;
  font-size: 18px;
}

.rate-table thead {
  background: #f5f8ff;
}

.rate-table th {
  font-weight: 600;
}

.rate-table tbody tr {
  transition: all 0.25s ease;
}

.rate-table tbody tr:hover {
  background: #f8fbff;
  transform: scale(1.01);
}

.highlight-row {
  background: #f9fcff;
}

.testimonial-section {
  padding: 90px 0;
  background: #f8fafc;
}

/* CARD */
.testimonial-card {
  background: #fff;
  border-radius: 18px;
  padding: 28px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
  height: 100%;
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.1);
}

/* TEXT */
.testimonial-text {
  font-size: 0.98rem;
  color: #4b5563;
  line-height: 1.7;
  margin-bottom: 20px;
}

/* USER */
.testimonial-user {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* ANONYMOUS AVATAR */
.avatar {
  width: 45px;
  height: 45px;
  border-radius: 50%;
  background: linear-gradient(135deg, #0d6efd, #60a5fa);
  opacity: 0.85;
}

/* NAME */
.testimonial-user h6 {
  margin: 0;
  font-weight: 600;
  color: #111827;
}

.testimonial-user small {
  color: #6b7280;
}

.footer-list li {
  margin-bottom: 8px;
}

.footer-list a {
  color: rgba(255, 255, 255, 0.6);
  text-decoration: none;
  transition: 0.2s;
}

.footer-list a:hover {
  color: #fff;
  padding-left: 4px;
}

footer i {
  color: rgba(255, 255, 255, 0.7);
}

/* ==============================
   WHY CHOOSE US - ELEGANT HOVER
============================== */

.benefit-card-premium {
  position: relative;
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: blur(14px);
  border: 1px solid rgba(0, 0, 0, 0.06);
  border-radius: 18px;
  padding: 28px 24px;
  transition: all 0.25s ease;
  overflow: hidden;
}

/* soft highlight glow (very subtle) */
.benefit-card-premium::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(
    circle at top left,
    rgba(47, 128, 237, 0.08),
    transparent 60%
  );
  opacity: 0;
  transition: 0.3s ease;
}

/* HOVER EFFECT */
.benefit-card-premium:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.08);
  border-color: rgba(47, 128, 237, 0.18);
}

/* activate soft glow */
.benefit-card-premium:hover::before {
  opacity: 1;
}

/* ICON smooth hover */
.benefit-card-premium .icon-wrap {
  transition: all 0.3s ease;
}

.benefit-card-premium:hover .icon-wrap {
  transform: scale(1.08);
}

/* TEXT stays clean (no harsh color shift) */
.benefit-card-premium h4 {
  transition: 0.2s ease;
}

.benefit-card-premium:hover h4 {
  color: #1f3b75; /* soft deep blue, not loud */
}

.benefit-card-premium:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.08);

  /* BOLDER but still elegant stroke */
  border: 1.5px solid rgba(47, 128, 237, 0.28);
}