/**
 * Benefit & guideline cards — white rounded style (matches product cards)
 * Applied across Borrowers, Brokers, Investors, What is a MIC
 * Mobile-first: 1 col → 2 cols → 3 cols
 */

/* ——— BENEFITS SECTION ——— */
.benefits-section {
    padding: clamp(1.75rem, 5vw, 2.5rem) 0;
    background: linear-gradient(180deg, #FFFFFF 0%, var(--bg-secondary) 45%, var(--bg-secondary) 100%);
    position: relative;
    overflow: hidden;
}

.benefits-section::before {
    content: '';
    position: absolute;
    width: 60%;
    height: 40%;
    top: 15%;
    left: 50%;
    transform: translateX(-50%);
    background: radial-gradient(ellipse at center, rgba(11, 22, 53, 0.03) 0%, transparent 70%);
    pointer-events: none;
}

.benefits-section .section-header,
.benefits-section .sec-head,
.benefits-section .section-heading,
.benefits-section .container .sec-head,
.benefits-section .benefits-grid {
    position: relative;
    z-index: 1;
}

.benefits-section .benefits-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.25rem;
    max-width: var(--container, 1200px);
    margin: 0 auto;
    padding: 0 var(--gutter, 1rem);
}

.benefits-section .benefit-card {
    background: #FFFFFF;
    border-radius: var(--radius-card);
    padding: 1.25rem 1rem;
    box-shadow: var(--shadow-card);
    border: 1px solid rgba(0, 0, 0, 0.06);
    display: flex;
    flex-direction: column;
    gap: 0;
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
    border-right: 1px solid rgba(0, 0, 0, 0.06) !important;
    border-bottom: 1px solid rgba(0, 0, 0, 0.06) !important;
}

.benefits-section .benefit-card::before {
    display: none !important;
}

.benefits-section .benefit-card:nth-child(3n),
.benefits-section .benefit-card:nth-last-child(-n+3) {
    border-right: 1px solid rgba(0, 0, 0, 0.06) !important;
    border-bottom: 1px solid rgba(0, 0, 0, 0.06) !important;
}

.benefits-section .benefit-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
    border-color: rgba(11, 22, 53, 0.08);
    background: #FFFFFF !important;
}

.benefits-section .benefit-number {
    display: none;
}

.benefits-section .benefit-badge {
    font-size: 0.6875rem;
    font-weight: 600;
    color: var(--muted, var(--text-secondary));
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 0.5rem;
}

.benefits-section .benefit-card h3,
.benefits-section .benefit-card h4 {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 1.0625rem;
    font-weight: 700;
    color: var(--charcoal, var(--brand-navy-light));
    margin: 0 0 0.5rem 0;
    letter-spacing: -0.01em;
    line-height: 1.3;
}

.benefits-section .benefit-card p {
    font-size: 0.8125rem;
    color: var(--muted, var(--text-secondary));
    line-height: 1.6;
    margin: 0;
}

/* ——— GUIDELINES SECTION (Brokers) ——— */
.guidelines-section {
    padding: clamp(1.75rem, 5vw, 2.5rem) 0;
    background: linear-gradient(180deg, #FFFFFF 0%, var(--bg-secondary) 45%, var(--bg-secondary) 100%);
    position: relative;
    overflow: hidden;
}

.guidelines-section::before {
    content: '';
    position: absolute;
    width: 60%;
    height: 40%;
    top: 15%;
    left: 50%;
    transform: translateX(-50%);
    background: radial-gradient(ellipse at center, rgba(11, 22, 53, 0.03) 0%, transparent 70%);
    pointer-events: none;
}

.guidelines-section .sec-head,
.guidelines-section .guidelines-grid {
    position: relative;
    z-index: 1;
}

.guidelines-section .guidelines-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.25rem;
    max-width: var(--container, 1200px);
    margin: 0 auto;
    padding: 0 var(--gutter, 1rem);
}

.guidelines-section .guideline-card {
    background: #FFFFFF;
    border-radius: var(--radius-card);
    padding: 1.25rem 1rem;
    box-shadow: var(--shadow-card);
    border: 1px solid rgba(0, 0, 0, 0.06);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.guidelines-section .guideline-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.guidelines-section .guideline-number {
    display: none;
}

.guidelines-section .guideline-card h3 {
    font-size: 1.0625rem;
    font-weight: 700;
    color: var(--charcoal, var(--brand-navy-light));
    margin: 0 0 0.625rem 0;
}

.guidelines-section .guideline-card ul {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.guidelines-section .guideline-card ul li {
    padding: 0.5rem 0.75rem;
    font-size: 0.8125rem;
    display: flex;
    align-items: center;
    gap: 0.625rem;
    line-height: 1.4;
    border-radius: var(--radius-btn);
    transition: background 0.2s ease;
}

.guidelines-section .guideline-card ul li:hover {
    background: rgba(255, 102, 0, 0.06);
}

.guidelines-section .guideline-card ul li::before {
    content: '✓';
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 1.125rem;
    height: 1.125rem;
    min-width: 1.125rem;
    font-size: 0.625rem;
    font-weight: 700;
    color: #fff;
    background: var(--gold, var(--brand-orange));
    border-radius: 50%;
    flex-shrink: 0;
}

/* ——— TABLET (640px+) ——— */
@media (min-width: 640px) {
    .benefits-section .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }

    .benefits-section .benefit-card {
        padding: 1.5rem 1.25rem;
    }

    .benefits-section .benefit-card h3,
    .benefits-section .benefit-card h4 {
        font-size: 1.125rem;
    }

    .benefits-section .benefit-card p {
        font-size: 0.875rem;
    }

    .guidelines-section .guidelines-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }

    .guidelines-section .guideline-card {
        padding: 1.5rem 1.25rem;
    }
}

/* ——— TABLET (768px+) ——— */
@media (min-width: 768px) {
    .benefits-section .benefit-card {
        padding: 1.5rem 1.25rem;
    }

    .guidelines-section .guideline-card {
        padding: 1.5rem 1.25rem;
    }
}

/* ——— DESKTOP (1024px+) ——— */
@media (min-width: 1024px) {
    .benefits-section .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 1.5rem;
    }

    .benefits-section .benefit-card {
        padding: 1.75rem 1.5rem;
    }

    .guidelines-section .guidelines-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 1.5rem;
    }

    .guidelines-section .guideline-card {
        padding: 1.75rem 1.5rem;
    }

    .guidelines-section .guideline-card:nth-child(4) {
        grid-column: 2 / 3;
    }
}