.irdpu-schemes{
  padding:70px 0;
  background:linear-gradient(180deg,#e9f2ff,#ffffff);
  font-family:'Segoe UI', Arial, sans-serif;
}

.irdpu-header{
  text-align:center;
  margin-bottom:40px;
}

.irdpu-header h1{
  color:#b30000;
  font-size:30px;
  font-weight:700;
}

.irdpu-header h3{
  color:#1a237e;
  font-weight:700;
  margin-top:5px;
}

.irdpu-header h4{
  color:#0d6efd;
  margin-top:5px;
}

.irdpu-header p{
  color:#222;
  font-size:15px;
}

.irdpu-header .intro{
  max-width:800px;
  margin:10px auto;
}

/**/


.scheme-card{
    position: relative;
    background-image: url('controlled/imp3.jpg');
    background-size: cover;
    background-position: center;
    padding: 25px 22px;
    border-radius: 12px;
    height: 100%;
    box-shadow: 0 6px 18px rgba(0,0,0,0.08);
    transition: 0.3s;
    overflow: hidden;
    color: #fff;
}

/* Blue transparent overlay */
.scheme-card::before{
    content: "";
    position: absolute;
    inset: 0;
    background: rgb(39 70 115 / 71%); /* blue with 0.55 opacity */
    z-index: 0;
}

/* Content always on top */
.scheme-card *{
    position: relative;
    z-index: 1;
}




.scheme-card:hover{
  transform:translateY(-6px);
}

.scheme-icon{
  width:55px;
  height:55px;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:15px;
}

.scheme-icon i{
  color:#fff;
  font-size:22px;
}

/* Colors */
.bg-blue{background:#0d6efd;}
.bg-green{background:#198754;}
.bg-orange{background:#fd7e14;}
.bg-purple{background:#6f42c1;}
.bg-red{background:#dc3545;}
.bg-teal{background:#20c997;}
.bg-dark{background:#212529;}

.scheme-card h4{
  font-size:18px;
  font-weight:700;
  margin-bottom:10px;
  color: #ffffff;
}

.scheme-card p{
  font-size:14px;
  color: #ffffff;
  margin-bottom:15px;
}

.scheme-btn{
  display:inline-block;
  padding:6px 14px;
  background:#0d6efd;
  color:#fff;
  font-size:14px;
  border-radius:4px;
  text-decoration:none;
}

.scheme-btn:hover{
  background:#0b5ed7;
}