/* ══════════════════════════════════════════════
   BENEFITS PAGE — Premium Redesign
   ══════════════════════════════════════════════ */

/* ── CSS Custom Properties ── */
:root {
  --ben-gold:    #f5a623;
  --ben-gold-d:  #d4891e;
  --ben-navy:    #0a2254;
  --ben-blue:    #1a4b9c;
  --ben-green:   #1aad6e;
  --ben-light:   #f8fafd;
  --ben-radius:  20px;
}

/* ══ SPLIT HERO ══════════════════════════════ */
.bh-hero {
  display: block;
  height: 550px;
  overflow: hidden;
}

/* ── Left Panel ── */
.bh-left {
  position: relative;
  background: linear-gradient(135deg, #06174a 0%, #0e2460 60%, #112c72 100%);
  padding: 54px 56px 44px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: center;
}


.bh-left-inner {
  position: relative;
  z-index: 1;
}

/* Breadcrumb */
.bh-breadcrumb {
  justify-content: flex-start !important;
  color: rgba(255,255,255,.55) !important;
  font-size: .78rem !important;
  margin-bottom: 22px !important;
}
.bh-breadcrumb a {
  color: rgba(255,255,255,.65) !important;
  text-decoration: none;
  transition: color .2s;
}
.bh-breadcrumb a:hover { color: #f5a623 !important; }

/* Heading */
.bh-heading {
  font-family: 'Montserrat', var(--font-heading), sans-serif;
  font-weight: 600;
  font-size: clamp(1.75rem, 2.8vw, 2.5rem);
  color: #f5a623;
  line-height: 1.18;
  margin-bottom: 18px;
}

.bh-heading-light {
  font-weight: 600;
  color: #f5a623;
}

/* Subtitle */
.bh-subtext {
  font-size: .97rem;
  color: rgba(255,255,255,.82);
  line-height: 1.75;
  font-weight: 600;
  margin-bottom: 26px;
  max-width: 520px;
}

/* Bullets */
.bh-bullets {
  list-style: none;
  margin: 0 0 32px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.bh-bullets li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .9rem;
  color: rgba(255,255,255,.85);
  line-height: 1.5;
  transition: color 0.3s ease;
  cursor: default;
}

.bh-bullets li:hover {
  color: #f5a623;
}

.bh-bullet-dot {
  display: inline-block;
  width: 14px;
  height: 14px;
  min-width: 14px;
  border-radius: 3px;
  background: #f5a623;
  margin-top: 3px;
  flex-shrink: 0;
  transition: background 0.3s ease, transform 0.3s ease;
}

.bh-bullets li:hover .bh-bullet-dot {
  background: #ff4d4d;
  transform: scale(1.1);
}

/* CTA Button */
.bh-cta-btn {
  display: inline-block;
  background: #f5a623;
  color: #06174a;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: .95rem;
  padding: 14px 34px;
  border-radius: 6px;
  text-decoration: none;
  letter-spacing: .3px;
  transition: all .3s ease;
  box-shadow: 0 6px 22px rgba(245,166,35,.4);
}
.bh-cta-btn:hover {
  background: #e09416;
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(245,166,35,.5);
}

/* Watermark */
.bh-watermark {
  position: absolute;
  bottom: -18px;
  left: -10px;
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: clamp(70px, 10vw, 120px);
  color: rgba(255,255,255,.04);
  letter-spacing: 6px;
  text-transform: uppercase;
  line-height: 1;
  pointer-events: none;
  user-select: none;
  white-space: nowrap;
  z-index: 0;
}

.bh-hero-img {
  position: absolute;
  right: 50px;
  top: 50%;
  transform: translateY(-50%);
  width: 520px;
  height: 340px;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: 0 14px 40px rgba(0,0,0,0.3);
  z-index: 2;
}

/* ── Right Panel ── */
.bh-right {
  position: relative;
  width: 450px;
  flex-shrink: 0;
  background: #eef2f8;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.bh-img-wrap {
  width: 100%;
  height: 550px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.bh-img-wrap img {
  width: 100%;
  height: 550px;
  object-fit: cover;
  object-position: center top;
  display: block;
}

/* Floating Stat Badges */
.bh-badge {
  position: absolute;
  top: 28px;
  left: 20px;
  background: #fff;
  border-radius: 14px;
  padding: 14px 18px;
  box-shadow: 0 8px 30px rgba(10,34,84,.15);
  display: flex;
  align-items: center;
  gap: 12px;
  border-left: 4px solid #f5a623;
  animation: badgeFloat 3s ease-in-out infinite;
}

.bh-badge-2 {
  top: auto;
  bottom: 28px;
  left: auto;
  right: 20px;
  border-left-color: #1a4b9c;
  animation-delay: 1.5s;
}

@keyframes badgeFloat {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-6px); }
}

.bh-badge-val {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 1.35rem;
  color: #06174a;
  line-height: 1;
}

.bh-badge-txt {
  font-size: .72rem;
  color: #555;
  line-height: 1.4;
  font-weight: 600;
}




/* ── SHARED SECTION TOKENS ────────────────── */
.ben-section-tag {
  display: inline-block;
  background: rgba(26,75,156,.08);
  color: var(--ben-blue);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  padding: 5px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
  border: 1px solid rgba(26,75,156,.12);
}
.ben-tag-light {
  background: rgba(255,255,255,.12);
  color: rgba(255,255,255,.9);
  border-color: rgba(255,255,255,.2);
}

.ben-section-title {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  color: var(--ben-navy);
  line-height: 1.2;
  margin-bottom: 14px;
}
.ben-title-light { color: #fff !important; }

.ben-title-bar {
  width: 52px;
  height: 4px;
  border-radius: 99px;
  background: linear-gradient(90deg, var(--ben-blue), var(--ben-gold));
  margin-bottom: 40px;
}
.ben-bar-gold {
  background: linear-gradient(90deg, var(--ben-gold), var(--ben-gold-d));
}

/* ── INTRO SECTION ───────────────────────────── */
.ben-intro {
  padding: 90px 0;
  background: var(--ben-light);
}

.ben-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.ben-intro-text p {
  font-size: 1rem;
  color: var(--text-mid);
  line-height: 1.85;
  margin-bottom: 18px;
}
.ben-intro-text p:last-child { margin-bottom: 0; }

.ben-intro-highlights {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  align-content: start;
}

.ben-intro-highlight-card {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  background: #fff;
  border-radius: 16px;
  padding: 22px 24px;
  box-shadow: 0 4px 20px rgba(10,34,84,.06);
  border: 1px solid rgba(26,75,156,.07);
  transition: all .3s ease;
}
.ben-intro-highlight-card:hover {
  transform: translateX(6px);
  box-shadow: 0 8px 30px rgba(10,34,84,.1);
  border-color: rgba(245,166,35,.3);
}

.ben-ihl-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(26,75,156,.1), rgba(26,75,156,.05));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}

.ben-intro-highlight-card strong {
  display: block;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: .95rem;
  color: var(--ben-navy);
  margin-bottom: 4px;
}
.ben-intro-highlight-card p {
  margin: 0;
  font-size: .85rem;
  color: var(--text-mid);
  line-height: 1.5;
}

/* ── WHY LIC SECTION ─────────────────────────── */
.ben-why {
  position: relative;
  padding: 60px 0;
  overflow: hidden;
}

.ben-why-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--ben-navy) 0%, #142d68 100%);
  z-index: 0;
}

.ben-why-inner {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 70px;
  align-items: start;
  position: relative;
  z-index: 1;
}

.ben-why-btn {
  display: inline-block;
  background: transparent;
  color: var(--ben-gold);
  border: 2px solid var(--ben-gold);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: .95rem;
  padding: 12px 28px;
  border-radius: 50px;
  text-decoration: none;
  transition: all .3s ease;
  margin-top: 10px;
}
.ben-why-btn:hover {
  background: var(--ben-gold);
  color: #fff;
  transform: translateY(-2px);
}

.ben-why-right {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.ben-why-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 18px;
  padding: 24px 22px;
  transition: all .3s ease;
}
.ben-why-card:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(245, 166, 35, 0.8);
  transform: translateX(4px) translateY(-2px);
}

.ben-why-num {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 2.8rem;
  color: transparent;
  -webkit-text-stroke: 1.5px var(--ben-gold);
  text-shadow: none;
  line-height: 0.9;
  margin-bottom: 2px;
  transition: all 0.3s ease;
}

.ben-why-card:hover .ben-why-num {
  color: var(--ben-gold);
  text-shadow: none;
}

.ben-why-card h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.05rem;
  color: #fff;
  margin-bottom: 8px;
  line-height: 1.4;
  letter-spacing: 0.3px;
}
.ben-why-card p {
  margin: 0;
  font-size: .9rem;
  color: rgba(255,255,255,.85);
  line-height: 1.6;
}

/* ── DETAILED BENEFITS ───────────────────────── */
.ben-detailed {
  padding: 90px 0;
  background: #fff;
}

/* ── ELEGANT LIST (8 POINTS) ───────────────────────── */
.ben-elegant-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  column-gap: 80px;
  row-gap: 50px;
  margin: 0 auto;
}

.ben-el-item {
  display: flex;
  align-items: flex-start;
  position: relative;
  padding-bottom: 24px;
}

.ben-el-icon {
  width: 70px;
  height: 70px;
  flex-shrink: 0;
  display: flex;
  justify-content: center;
  align-items: center;
  background: var(--ben-light);
  border: 1px solid rgba(26, 75, 156, 0.08);
  border-radius: 20px;
  font-size: 2rem;
  color: var(--ben-gold-d);
  margin-right: 28px;
  transition: all .4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.ben-el-content {
  flex-grow: 1;
  padding-top: 5px;
}

.ben-el-title {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--ben-navy);
  margin: 0 0 12px 0;
  line-height: 1.3;
  transition: color .3s ease;
}

.ben-el-desc {
  font-size: 1rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin: 0;
}

.ben-el-item:hover .ben-el-icon {
  background: var(--ben-navy);
  border-color: var(--ben-navy);
  color: #fff;
  transform: translateY(-8px) rotate(6deg);
  box-shadow: 0 14px 28px rgba(10,34,84, 0.18);
}

.ben-el-item:hover .ben-el-title {
  color: var(--ben-gold-d);
}

@media (max-width: 900px) {
  .ben-elegant-list {
    grid-template-columns: 1fr;
    row-gap: 40px;
  }
}

/* ── FINANCIAL BENEFITS ──────────────────────── */
.ben-financial {
  padding: 90px 0;
  background: var(--ben-light);
}

.ben-financial-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
  margin-bottom: 60px;
}

.ben-fin-card {
  flex: 0 1 calc(33.333% - 16px);
  min-width: 300px;
  background: #fff;
  border-radius: 18px;
  padding: 35px 30px;
  text-align: center;
  border: 1px solid rgba(26,75,156,.08);
  box-shadow: 0 4px 20px rgba(10,34,84,.05);
  transition: all .35s ease;
  position: relative;
  overflow: hidden;
}
.ben-fin-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 18px 44px rgba(10,34,84,.12);
  border-color: rgba(245,166,35,.3);
}

.ben-fin-highlight {
  background: linear-gradient(160deg, var(--ben-navy) 0%, #1a3c7a 100%);
  border-color: transparent;
}
.ben-fin-highlight h3 { color: #fff !important; }
.ben-fin-highlight p  { color: rgba(255,255,255,.75) !important; }
.ben-fin-highlight .ben-fin-number { color: rgba(245,166,35,.3) !important; }

.ben-fin-number {
  position: absolute;
  top: 14px; right: 16px;
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 1.8rem;
  color: rgba(26,75,156,.08);
  line-height: 1;
}

.ben-fin-icon {
  font-size: 2rem;
  margin-bottom: 16px;
  display: block;
}

.ben-fin-card h3 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: .95rem;
  color: var(--ben-navy);
  margin-bottom: 10px;
  line-height: 1.3;
}
.ben-fin-card p {
  font-size: .83rem;
  color: var(--text-mid);
  line-height: 1.65;
  margin: 0;
}

/* ── Earnings Timeline ── */
.ben-earnings-bar {
  background: #fff;
  border-radius: var(--ben-radius);
  padding: 40px 48px;
  box-shadow: 0 4px 30px rgba(10,34,84,.07);
  border: 1px solid rgba(26,75,156,.08);
}

.ben-earnings-label {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--ben-blue);
  margin-bottom: 32px;
}

.ben-earnings-track {
  display: flex;
  align-items: center;
}

.ben-earnings-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  min-width: 120px;
}

.ben-earnings-line {
  flex: 1;
  height: 3px;
  background: linear-gradient(90deg, rgba(26,75,156,.2), rgba(245,166,35,.4));
  border-radius: 99px;
  margin: 0 -10px;
  margin-bottom: 22px;
}

.ben-earn-dot {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--ben-blue);
  border: 3px solid #fff;
  box-shadow: 0 0 0 3px rgba(26,75,156,.2);
  margin-bottom: 2px;
}
.ben-dot-mid { background: #1a7aba; box-shadow: 0 0 0 3px rgba(26,122,186,.2); }
.ben-dot-top { background: var(--ben-gold); box-shadow: 0 0 0 3px rgba(245,166,35,.25); }

.ben-earn-amount {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 1.4rem;
  color: var(--ben-navy);
}
.ben-earn-top { color: var(--ben-gold); font-size: 1.6rem; }

.ben-earn-year {
  font-size: .78rem;
  font-weight: 600;
  color: var(--text-mid);
  text-transform: uppercase;
  letter-spacing: .8px;
}

.ben-earnings-note {
  margin: 28px 0 0;
  font-size: .78rem;
  color: var(--text-light, #aaa);
  font-style: italic;
}

/* ── BEYOND FINANCIAL ────────────────────────── */
.ben-beyond {
  position: relative;
  padding: 90px 0;
  overflow: hidden;
}

.ben-beyond-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #0d2252 0%, #1a4b9c 100%);
  z-index: 0;
}

.ben-beyond-inner {
  position: relative;
  z-index: 1;
  text-align: center;
}

.ben-beyond-subtitle {
  font-size: 1rem;
  color: rgba(255,255,255,.75);
  line-height: 1.75;
  max-width: 620px;
  margin: 0 auto 50px;
}

.ben-beyond-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.ben-beyond-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 18px;
  padding: 36px 26px;
  text-align: left;
  transition: all .35s ease;
}
.ben-beyond-card:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(245,166,35,.35);
  transform: translateY(-6px);
}

.ben-beyond-icon {
  width: 56px; height: 56px;
  border-radius: 16px;
  background: rgba(245,166,35,.18);
  border: 1px solid rgba(245,166,35,.25);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ben-gold);
  margin-bottom: 22px;
}
.ben-beyond-icon svg { width: 24px; height: 24px; }

.ben-beyond-card h3 {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1rem;
  color: #fff;
  margin-bottom: 12px;
  line-height: 1.3;
}
.ben-beyond-card p {
  margin: 0;
  font-size: .875rem;
  color: rgba(255,255,255,.7);
  line-height: 1.65;
}

/* ── CTA SECTION ─────────────────────────────── */
.ben-cta {
  padding: 90px 0;
  background: var(--ben-light);
}

.ben-cta-inner {
  background: #fff;
  border-radius: 28px;
  padding: 72px 60px;
  text-align: center;
  box-shadow: 0 20px 70px rgba(10,34,84,.1);
  border: 1px solid rgba(26,75,156,.08);
  position: relative;
  overflow: hidden;
}

.ben-cta-decoration {
  position: absolute;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245,166,35,.07), transparent 70%);
  top: -200px; right: -150px;
  pointer-events: none;
}

.ben-cta-badge {
  display: inline-block;
  background: rgba(245,166,35,.12);
  border: 1px solid rgba(245,166,35,.3);
  color: var(--ben-gold-d);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 5px 16px;
  border-radius: 50px;
  margin-bottom: 20px;
}

.ben-cta-inner h2 {
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: clamp(1.6rem, 2.6vw, 2.2rem);
  color: var(--ben-navy);
  line-height: 1.2;
  margin-bottom: 18px;
}

.ben-cta-inner > p {
  font-size: 1rem;
  color: var(--text-mid);
  line-height: 1.8;
  max-width: 600px;
  margin: 0 auto 10px;
}

.ben-cta-sub {
  font-style: italic;
  font-size: .9rem !important;
  color: var(--text-light, #999) !important;
  margin-bottom: 36px !important;
}

.ben-cta-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 18px;
  flex-wrap: wrap;
}

.ben-cta-btn-primary {
  display: inline-block;
  background: linear-gradient(135deg, var(--ben-navy) 0%, var(--ben-blue) 100%);
  color: #fff;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  padding: 16px 38px;
  border-radius: 50px;
  text-decoration: none;
  box-shadow: 0 8px 26px rgba(10,34,84,.3);
  transition: all .3s ease;
}
.ben-cta-btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 36px rgba(10,34,84,.4);
}

.ben-cta-btn-wa {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #25d366;
  color: #fff;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: .95rem;
  padding: 16px 32px;
  border-radius: 50px;
  text-decoration: none;
  box-shadow: 0 6px 20px rgba(37,211,102,.35);
  transition: all .3s ease;
}
.ben-cta-btn-wa:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(37,211,102,.45);
}

/* ══ RESPONSIVE ══════════════════════════════ */
@media (max-width: 1100px) {
  .ben-financial-grid { grid-template-columns: repeat(3, 1fr); }
  .ben-beyond-grid    { grid-template-columns: repeat(2, 1fr); }
  
  .bh-hero-img {
    width: 400px;
    height: 280px;
    right: 20px;
  }
}

@media (max-width: 900px) {
  /* Split Hero Overrides */
  .bh-hero {
    height: auto;
  }
  .bh-left {
    padding: 50px 30px;
  }
  .bh-hero-img {
    position: relative;
    right: auto;
    top: auto;
    transform: none;
    width: 100%;
    height: auto;
    max-height: 360px;
    margin-top: 40px;
    object-position: top;
  }
  .bh-watermark {
    display: none;
  }

  /* Other components */
  .ben-hero-inner       { grid-template-columns: 1fr; }
  .ben-hero-stats       { grid-template-columns: repeat(4, 1fr); margin-top: 40px; }
  .ben-intro-grid       { grid-template-columns: 1fr; gap: 36px; }
  .ben-why-inner        { grid-template-columns: 1fr; gap: 40px; }
  .ben-detailed-grid    { grid-template-columns: 1fr; }
  .ben-financial-grid   { grid-template-columns: repeat(2, 1fr); }
  .ben-cta-inner        { padding: 50px 30px; }
}

@media (max-width: 640px) {
  /* Split Hero Mobile */
  .bh-left {
    padding: 40px 20px;
  }
  .bh-heading {
    font-size: 1.7rem;
    line-height: 1.25;
    margin-bottom: 14px;
  }
  .bh-subtext {
    font-size: 0.9rem;
    line-height: 1.6;
    margin-bottom: 24px;
  }
  .bh-bullets li {
    font-size: 0.85rem;
    gap: 10px;
  }
  .bh-cta-btn {
    width: 100%;
    text-align: center;
    padding: 14px 20px;
  }
  .bh-hero-img {
    margin-top: 30px;
    max-height: 280px;
  }

  /* Other components */
  .ben-hero-stats     { grid-template-columns: repeat(2, 1fr); }
  .ben-financial-grid { grid-template-columns: 1fr; }
  .ben-beyond-grid    { grid-template-columns: 1fr; }
  .ben-earnings-track { flex-direction: column; gap: 20px; }
  .ben-earnings-line  { width: 3px; height: 30px; margin: 0; }
  .ben-earnings-bar   { padding: 32px 24px; }
  .ben-why-card       { flex-direction: column; gap: 8px; }
  .ben-intro-highlights { grid-template-columns: 1fr; }
  .ben-why-right      { grid-template-columns: 1fr; }
  .ben-cta-actions    { flex-direction: column; }
}