.risk-cards-section {
  background-color: #f5f5f5;
  padding: 80px 40px;
}

.risk-cards-wrapper {
  max-width: 1400px;
  margin: 0 auto;
}

.risk-cards-header {
  margin-bottom: 60px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}

.risk-cards-tag {
  color: #027aac;
  font-family: Univers LT Std;
  font-weight: 700;
  font-size: 15px;
  line-height: 100%;
  letter-spacing: 2px;
  text-align: center;
  text-transform: uppercase;
  margin-bottom: 0px;
}

.risk-cards-heading {
  font-family: "Univers LT Std" !important;
  font-weight: 400 !important;
  font-size: 45px !important;
  line-height: 62px !important;
  letter-spacing: 0.26px;
  text-align: center;
  color: #414141;
  max-width: 800px;
  width: 100%;
  margin-bottom: 0px;
}

.risk-cards-description {
  font-family: "Univers LT Std" !important;
  font-weight: 300 !important;
  font-size: 22px !important;
  line-height: 32px !important;
  letter-spacing: 0.07px;
  text-align: center;
  color: #414141;
  margin-bottom: 0px;
  max-width: 930px;
  width: 100%;
}

.risk-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  border-top: none;
}

/* Individual Card */
.risk-card {
  background-color: #ffffff;
  padding: 32px;
  border-top: 4px solid #014e77;
  border-radius: 10px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.08);
  transition:
    box-shadow 0.3s ease,
    transform 0.3s ease;
  display: flex;
  flex-direction: column;
}

.risk-card:hover {
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.12);
  transform: translateY(-4px);
}

/* Card Icon */
.risk-card-icon-wrapper {
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: linear-gradient(126.49deg, #08a7b2 -0.61%, #027aac 71.26%);
  padding: 20px;
}

.risk-card-icon-wrapper img.auto-alt-generated {
  width: 50px;
}

/* Card Heading */
.risk-card-heading {
  font-family: "Univers LT Std" !important;
  font-weight: 400 !important;
  font-size: 30px !important;
  line-height: 36px !important;
  letter-spacing: 0.4px;
  color: #414141;
  margin-bottom: 16px;
}

/* Card Description */
.risk-card-description {
  font-family: "Univers LT Std" !important;
  font-weight: 400 !important;
  font-size: 18px !important;
  line-height: 26px !important;
  letter-spacing: 0px;
  color: #414141bf;
  margin-bottom: 0px;
}

/* Tablet: 3 columns */
@media (max-width: 1200px) {
  .risk-cards-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }

  .risk-cards-section {
    padding: 60px 32px;
  }

  .risk-cards-heading {
    font-size: 40px;
  }
}

/* Small Tablet: 2 columns */
@media (max-width: 768px) {
  .risk-cards-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .risk-cards-section {
    padding: 48px 24px;
  }

  .risk-cards-header {
    margin-bottom: 40px;
  }

  .risk-cards-heading {
    font-size: 32px;
  }

  .risk-card {
    padding: 24px 20px;
  }
}

/* Mobile: 1 column */
@media (max-width: 480px) {
  .risk-cards-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .risk-cards-section {
    padding: 32px 16px;
  }

  .risk-cards-header {
    margin-bottom: 32px;
  }

  .risk-cards-heading {
    font-size: 24px;
  }

  .risk-cards-description {
    font-size: 14px;
  }

  .risk-card {
    padding: 20px 16px;
  }

  .risk-card-heading {
    font-size: 16px;
  }

  .risk-card-description {
    font-size: 13px;
  }
}

.risk-cards-heading,
.risk-card-heading {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}