.insurance-govt-section{padding:80px 0 0;background-color:var(--background)}.insurance-govt-section.no-header{padding-top:0}.insurance-govt-header{margin-bottom:60px}.insurance-govt-title-col h2{font-family:var(--font-title);color:var(--heading);font-size:3.5rem;font-weight:400;line-height:1.2;margin-bottom:20px}.insurance-govt-subtitle-col h6{font-family:var(--font-body);color:var(--heading);font-size:1rem;font-weight:600;margin-bottom:12px;letter-spacing:.2px}.insurance-govt-subtitle-col p{color:var(--text);font-family:var(--font-body);font-size:1rem;line-height:1.6}.insurance-govt-banner{background-color:var(--primary);padding:100px 0 140px;text-align:center}.insurance-govt-banner-heading{display:block;font-family:var(--font-body);font-size:.85rem;font-weight:700;color:var(--white);letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px;text-align:center}.insurance-govt-banner-text{color:var(--white);font-family:var(--font-text);font-size:1.1rem;line-height:1.6;max-width:800px;margin:0 auto;text-align:center}.insurance-govt-cards-container{margin-top:-80px;position:relative;z-index:2;padding-bottom:80px}.insurance-govt-grid{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:20px;gap:20px;align-items:start}.scheme-card,.scheme-card-wrapper{display:flex;flex-direction:column}.scheme-card{background:var(--white);border-radius:8px;padding:35px 18px;box-shadow:0 15px 40px rgba(0,0,0,.08);transition:var(--transition);align-items:center;justify-content:flex-start;min-height:120px;margin-bottom:25px}.scheme-card:hover{transform:translateY(-5px);box-shadow:0 20px 50px rgba(0,0,0,.12)}.scheme-card.active-card{transform:translateY(-5px);box-shadow:0 20px 50px rgba(0,0,0,.15)}.scheme-card-header{display:flex;align-items:center;justify-content:space-between;width:100%;gap:10px}.scheme-card h3{font-family:var(--font-title);color:var(--heading);font-size:1.35rem;font-weight:500;margin-bottom:0;text-align:left;flex:1 1}.scheme-card-chevron{color:var(--primary);display:flex;align-items:center;flex-shrink:0;transition:transform .35s ease}.scheme-card-chevron.rotated{transform:rotate(180deg)}.scheme-card-expand{max-height:0;overflow:hidden;transition:max-height .45s cubic-bezier(.25,1,.5,1);width:100%}.scheme-card-expand.open{max-height:300px}.scheme-card-expand-inner{padding-top:18px}.scheme-card-expand-inner p{font-size:.92rem;line-height:1.65;margin:0}.scheme-card-desc-outside,.scheme-card-expand-inner p{color:var(--text);font-family:var(--font-text);text-align:left}.scheme-card-desc-outside{font-size:.95rem;line-height:1.6;padding:0 10px;margin-top:4px}.scheme-mobile-item{margin-bottom:20px}@media (max-width:1199px){.insurance-govt-grid{grid-template-columns:repeat(2,1fr);gap:24px}}@media (max-width:991px){.insurance-govt-title-col h2{font-size:2.8rem}.insurance-govt-banner{padding:80px 0 100px}.insurance-govt-cards-container{margin-top:-60px}.insurance-govt-grid{grid-template-columns:repeat(2,1fr)}.scheme-card{padding:30px 20px}}@media (max-width:767px){.insurance-govt-section{padding:60px 0 0}.insurance-govt-header{margin-bottom:40px}.insurance-govt-title-col h2{font-size:2rem}.insurance-govt-subtitle-col h6{font-size:.95rem}.insurance-govt-subtitle-col p{font-size:.9rem}.insurance-govt-banner-text{font-size:1rem;padding:0 15px}.insurance-govt-mobile-tabs{margin-top:-25px;position:relative;z-index:2}.tabs-row{display:flex;justify-content:center;gap:15px;padding:0 15px}.tab-btn{background:var(--white);border:none;border-radius:6px;padding:10px 18px;font-family:var(--font-text);font-size:.85rem;font-weight:500;color:var(--text);box-shadow:0 4px 12px rgba(0,0,0,.08);cursor:pointer;transition:var(--transition)}.tab-btn.active{background:var(--primary);color:var(--white);box-shadow:0 8px 20px rgba(0,0,0,.15)}.active-tab-card{margin-top:30px;padding:0 15px 60px}.scheme-card-mobile{padding:30px 25px;margin-bottom:0}.scheme-card-mobile h3{text-align:left;margin-bottom:15px;font-size:1.4rem}}