*{
margin:0;
padding:0;
box-sizing:border-box;
font-family:'Segoe UI',sans-serif;
}

body{
background:#f5f7fb;
overflow-x:hidden;
}

.hero{
    position:relative;
    height:65vh;
    overflow:hidden;
}

.slide{
    position:absolute;
    inset:0;
    background-size:cover;
    background-position:center;
    opacity:0;
    transition:opacity .8s ease-in-out;
}

.slide.active{
    opacity:1;
    z-index:2;
}

.overlay{
    position:absolute;
    inset:0;
    background:rgba(0,0,0,.22);
    display:flex;
    align-items:center;
    justify-content:center;
    text-align:center;
    color:#fff;
    padding:20px;
}

.content{
    max-width:800px;
}

.content h1{
    font-size:52px;
    margin-bottom:20px;
    font-weight:700;
}

.content p{
    font-size:20px;
    line-height:1.8;
    margin-bottom:30px;
}

.btn{
    display:inline-block;
    padding:14px 35px;
    background:#d4af37;
    color:#fff;
    text-decoration:none;
    border-radius:50px;
    font-weight:600;
    transition:.3s;
}

.btn:hover{
    background:#005BAC;
}

@media(max-width:768px){

    .content h1{
        font-size:32px;
    }

    .content p{
        font-size:16px;
    }

}

/* SECTION */

.container{
width:90%;
max-width:1200px;
margin:auto;
padding:40px 0;
}

.flex{
display:flex;
gap:40px;
align-items:center;
}

.flex img{
width:40%;
border-radius:12px;
}

.flex h2{
color:#0056a6;
margin-bottom:15px;
font-size:36px;
}

.flex p{
margin-bottom:15px;
}

/* TAB SECTION */

.tabs{
display:grid;
grid-template-columns:280px 1fr;
gap:30px;
margin-top:40px;
}

.menu{
background:#fff;
padding:20px;
border-radius:10px;
box-shadow:0 5px 20px rgba(0,0,0,.08);
}

.menu button{
width:100%;
padding:14px;
margin-bottom:10px;
border:none;
background:#f3f6fb;
cursor:pointer;
text-align:left;
border-radius:6px;
transition:.3s;
font-size:15px;
}

.menu button:hover,
.menu button.active{
background:#0056a6;
color:#fff;
}

.content{

padding:35px;
border-radius:10px;
box-shadow:0 5px 20px rgba(0,0,0,.08);
animation:fade .5s;
}

.content img{
width:100%;
max-height:354px;
object-fit:cover;
border-radius:10px;
margin:20px 0;
}

.content ul{
margin-left:20px;
}

.cta{
display:inline-block;
margin-top:25px;
background:#d8a600;
color:#fff;
padding:14px 30px;
border-radius:40px;
text-decoration:none;
font-weight:600;
}

@keyframes fade{
from{opacity:0;transform:translateY(20px);}
to{opacity:1;transform:translateY(0);}
}

@media(max-width:768px){

.overlay h1{
font-size:30px;
}

.overlay p{
font-size:15px;
}

.flex{
flex-direction:column;
}

.flex img{
width:100%;
}

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

}
.advisor-content{
    background:#fff;
    padding:30px;
    border-radius:12px;
    box-shadow:0 8px 25px rgba(0,0,0,0.08);
}

.advisor-content h2{
    font-size:32px;
    color:#005BAC;
    margin-bottom:20px;
    font-weight:700;
}

.advisor-content p{
    font-size:17px;
    color:#555;
    line-height:1.9;
    margin-bottom:18px;
    text-align:justify;
}

html{
    scroll-behavior:smooth;
}

#topBtn{
    position:fixed;
    bottom:30px;
    right:30px;
    width:55px;
    height:55px;
    background:linear-gradient(135deg,#005BAC,#0B74D1);
    color:#fff;
    border-radius:50%;
    text-align:center;
    line-height:55px;
    font-size:22px;
    text-decoration:none;
    box-shadow:0 10px 25px rgba(0,91,172,.35);
    transition:.4s;
    opacity:0;
    visibility:hidden;
    z-index:9999;
    animation:float 2.5s ease-in-out infinite;
}

#topBtn:hover{
    background:linear-gradient(135deg,#D4AF37,#F4C542);
    transform:translateY(-5px) scale(1.1);
}

#topBtn.show{
    opacity:1;
    visibility:visible;
}

@keyframes float{
    0%,100%{
        transform:translateY(0);
    }
    50%{
        transform:translateY(-8px);
    }
}

@media(max-width:768px){

#topBtn{
    width:48px;
    height:48px;
    line-height:48px;
    font-size:18px;
    right:15px;
    bottom:20px;
}

}
.check-list{
    list-style:none;
    padding:0;
    margin:20px 0;
}

.check-list li{
    position:relative;
    padding:10px 0 10px 35px;
    font-size:17px;
    color:#444;
    border-bottom:1px solid #eee;
}

.check-list li::before{
    content:"✓";
    position:absolute;
    left:0;
    top:10px;
    width:24px;
    height:24px;
    background:#005BAC;
    color:#fff;
    border-radius:50%;
    text-align:center;
    line-height:24px;
    font-size:13px;
    font-weight:bold;
}

.eligibility-section h3{
    color:#005BAC;
    font-size:28px;
    margin:30px 0 15px;
}

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

.lic-container{
width:90%;
max-width:1400px;
margin:auto;
display:grid;
grid-template-columns:320px 1fr;
gap:40px;
}

/* LEFT MENU */

.vertical-menu{
background:#fff;
border-radius:15px;
box-shadow:0 10px 30px rgba(0,0,0,.08);
padding:25px;
position:sticky;
top:20px;
height:max-content;
}

.vertical-menu h3{
font-size:22px;
margin-bottom:20px;
color:#003366;
border-bottom:2px solid #f1f1f1;
padding-bottom:12px;
}

.vertical-menu ul{
list-style:none;
}

.vertical-menu li{
margin-bottom:10px;
}

.vertical-menu a{
display:block;
padding:14px 18px;
text-decoration:none;
color:#444;
font-size:15px;
font-weight:500;
border-radius:8px;
transition:.3s;
}

.vertical-menu a:hover{
background:#0b5ed7;
color:#fff;
padding-left:24px;
}

/* RIGHT CONTENT */

.content-area{
display:flex;
flex-direction:column;
gap:35px;
}

.info-box{
background:#fff;
padding:35px;
border-radius:15px;
box-shadow:0 10px 30px rgba(0,0,0,.08);
scroll-margin-top:30px;
}

.info-box h2{
font-size:30px;
margin-bottom:15px;
color:#003366;
position:relative;
padding-bottom:12px;
}

.info-box h2:after{
content:'';
width:70px;
height:4px;
background:#ffb400;
position:absolute;
left:0;
bottom:0;
border-radius:30px;
}

.info-box p{
font-size:17px;
color:#555;
margin-top:2px;
margin-bottom: 20px;
}

.info-box ul{
margin-top:20px;
padding-left:20px;
}

.info-box ul li{
margin-bottom:12px;
}

/* CTA */

.cta-box{
background:linear-gradient(135deg,#0056b3,#0088ff);
color:#fff;
text-align:center;
}

.cta-box h2{
color:#fff;
}

.cta-box h2:after{
background:#fff;
}

.cta-box p{
color:#fff;
}

.cta-btn{
display:inline-block;
margin-top:25px;
padding:15px 35px;
background:#fff;
color:#0056b3;
font-weight:600;
text-decoration:none;
border-radius:50px;
transition:.3s;
}

.cta-btn:hover{
background:#ffcc00;
color:#000;
}

/* MOBILE */

@media(max-width:992px){

.lic-container{
grid-template-columns:1fr;
}

.vertical-menu{
position:relative;
top:0;
overflow-x:auto;
padding:20px;
}

.vertical-menu ul{
display:flex;
gap:10px;
white-space:nowrap;
}

.vertical-menu li{
margin:0;
}

.vertical-menu a{
background:#f2f4f8;
}

.info-box h2{
font-size:26px;
}

}

@media(max-width:600px){

.lic-section{
padding:40px 0;
}

.info-box{
padding:25px;
}

.info-box h2{
font-size:22px;
}

.info-box p{
font-size:15px;
}

}

html{
scroll-behavior:smooth;
}
.benefits-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(180px,1fr));
    gap:20px;
    margin-top:30px;
}

.benefit-box{
    background:#f8fbff;
    border:2px solid #d9e8ff;
    border-radius:20px;
    padding:25px 20px;
    text-align:center;
    transition:.3s;
    cursor:pointer;
}

.benefit-box:hover{
    background:#0056b3;
    border-color:#0056b3;
    transform:translateY(-6px);
    box-shadow:0 12px 25px rgba(0,86,179,.2);
}

.benefit-box i{
    width:65px;
    height:65px;
    line-height:65px;
    font-size:28px;
    color:#0056b3;
    background:#e8f1ff;
    border-radius:50%;
    margin-bottom:18px;
    transition:.3s;
}

.benefit-box h4{
    font-size:16px;
    font-weight:600;
    color:#333;
    line-height:1.5;
    transition:.3s;
    margin:0;
}

.benefit-box:hover i{
    background:#fff;
    color:#0056b3;
}

.benefit-box:hover h4{
    color:#fff;
}

@media(max-width:768px){

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

}

@media(max-width:480px){

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

}
.eligibility-grid{
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:25px;
    margin-top:35px;
}

.eligibility-card{
    background:#fff;
    border-radius:22px;
    padding:30px 20px;
    text-align:center;
    border:1px solid #e7eef9;
    box-shadow:0 8px 25px rgba(0,0,0,.08);
    transition:.35s;
    position:relative;
    overflow:hidden;
}

.eligibility-card::before{
    content:'';
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:5px;
    background:#0056b3;
}

.eligibility-card:hover{
    transform:translateY(-8px);
    box-shadow:0 18px 40px rgba(0,86,179,.18);
}

.eligibility-icon{
    width:75px;
    height:75px;
    margin:0 auto 20px;
    background:#eaf3ff;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    transition:.3s;
}

.eligibility-icon i{
    font-size:30px;
    color:#0056b3;
}

.eligibility-card:hover .eligibility-icon{
    background:#0056b3;
}

.eligibility-card:hover .eligibility-icon i{
    color:#fff;
}

.eligibility-card h4{
    font-size:18px;
    font-weight:600;
    color:#003366;
    margin-bottom:12px;
}

.eligibility-card p{
    font-size:15px;
    color:#666;
    line-height:1.7;
}

@media(max-width:768px){

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

}

@media(max-width:576px){

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

}
.banner-img{
    width:100%;
    height:250px;
    object-fit:cover;
    border-radius:12px;
    display:block;
}
#goTopBtn {
    display: none;
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    border: none;
    border-radius: 50%;
    background: #0056b3;
    color: #fff;
    font-size: 22px;
    cursor: pointer;
    box-shadow: 0 5px 15px rgba(0,0,0,0.3);
    transition: all 0.3s ease;
    z-index: 9999;
}

#goTopBtn:hover {
    background: #003d80;
    transform: translateY(-3px);
}