:root {
    --navy: #0B1437;
    --blue: #1B3DE8;
    --blue-mid: #2952f5;
    --blue-pale: #EEF2FF;
    --teal: #0DCFB4;
    --slate: #64748b;
    --border: #E2E8F0;
    --bg: #F7F9FC;
    --white: #FFFFFF;
    --text: #1E293B;
    --text-light: #475569;
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Nunito', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.75;
}

/* HEADER */
.site-header {
    background: var(--navy);
    padding: 14px 0;
    border-bottom: 3px solid var(--blue);
}

.site-header .inner {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 28px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    font-family: 'Playfair Display', serif;
    color: white;
    font-size: 1.35rem;
    letter-spacing: -0.5px;
    text-decoration: none;
}

.logo span {
    color: var(--teal);
}

.header-links {
    display: flex;
    gap: 20px;
}

.pt-50 {
    padding-top: 50px;
}

.header-links a {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.6);
    text-decoration: none;
    font-weight: 500;
    transition: color 0.2s;
}

.header-links a:hover {
    color: white;
}

.header-links a.active {
    color: var(--teal);
}

/* HERO BANNER */
.hero {
    background: linear-gradient(135deg, var(--navy) 0%, #162050 50%, #1a2d6b 100%);
    padding: 64px 28px 52px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(ellipse at 30% 50%, rgba(27, 61, 232, 0.2) 0%, transparent 60%),
        radial-gradient(ellipse at 70% 50%, rgba(13, 207, 180, 0.1) 0%, transparent 60%);
}

.hero-inner {
    position: relative;
    z-index: 1;
    max-width: 700px;
    margin: 0 auto;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(13, 207, 180, 0.12);
    border: 1px solid rgba(13, 207, 180, 0.3);
    color: var(--teal);
    padding: 5px 14px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-family: 'DM Mono', monospace;
    margin-bottom: 18px;
}

.hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: 2.6rem;
    color: white;
    line-height: 1.15;
    margin-bottom: 14px;
}

.hero p {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.65);
    max-width: 520px;
    margin: 0 auto 24px;
}

.meta-row {
    display: flex;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
}

.meta-item {
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.5);
    font-family: 'DM Mono', monospace;
    display: flex;
    align-items: center;
    gap: 5px;
}

.meta-item::before {
    content: '●';
    font-size: 0.4rem;
    color: var(--teal);
}

/* LAYOUT */
.page-wrap {
    max-width: 1100px;
    margin: 0 auto;
    padding: 48px 28px 80px;
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: 40px;
    align-items: start;
}

/* TOC SIDEBAR */
.toc-sidebar {
    position: sticky;
    top: 28px;
}

.toc-card {
    background: white;
    border-radius: 14px;
    border: 1px solid var(--border);
    overflow: hidden;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.05);
}

.toc-head {
    background: var(--navy);
    padding: 14px 18px;
}

.toc-head h3 {
    color: white;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-family: 'DM Mono', monospace;
}

.toc-list {
    padding: 12px 0;
}

.toc-link {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 7px 18px;
    font-size: 0.79rem;
    color: var(--text-light);
    text-decoration: none;
    transition: all 0.15s;
    border-left: 2px solid transparent;
    line-height: 1.35;
}

.toc-link:hover {
    color: var(--blue);
    background: var(--blue-pale);
    border-left-color: var(--blue);
}

.toc-link .num {
    font-family: 'DM Mono', monospace;
    font-size: 0.7rem;
    color: var(--teal);
    flex-shrink: 0;
}

.toc-contact {
    padding: 14px 18px;
    border-top: 1px solid var(--border);
    background: #f8fafc;
}

.toc-contact p {
    font-size: 0.75rem;
    color: var(--slate);
}

.toc-contact a {
    color: var(--blue);
    font-weight: 600;
    text-decoration: none;
}

/* CONTENT */
.doc-content {
    min-width: 0;
}

/* SECTION */
.policy-section {
    /* background: white; */
    border-radius: 16px;
    border: 1px solid var(--border);
    padding: 32px 36px;
    margin-bottom: 20px;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
    scroll-margin-top: 24px;
}

.section-num {
    font-family: 'DM Mono', monospace;
    font-size: 0.72rem;
    color: var(--teal);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 6px;
}

.policy-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    color: var(--navy);
    margin-bottom: 14px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--blue-pale);
}


.policy-section h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.2rem;
    color: var(--navy);
    margin-bottom: 14px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--blue-pale);
    font-weight: 600;
}

.policy-section p {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 12px;
}

.policy-section p:last-child {
    margin-bottom: 0;
}

/* SUBSECTION */
.subsec {
    margin-top: 20px;
}

.subsec h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.subsec h3::before {
    content: '';
    width: 3px;
    height: 16px;
    background: var(--blue);
    border-radius: 2px;
    flex-shrink: 0;
}

/* LISTS */
.policy-list {
    list-style: none;
    padding: 0;
    margin: 10px 0;
}

.policy-list li {
    font-size: 0.88rem;
    color: var(--text-light);
    /* padding: 6px 0 6px 22px; */
    position: relative;
    border-bottom: 1px solid #f8fafc;
}

.policy-list li:last-child {
    border-bottom: none;
}

.policy-list li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--blue);
    font-size: 0.85rem;
    font-weight: 700;
}

/* DATA TABLE */
.data-table {
    width: 100%;
    border-collapse: collapse;
    margin: 14px 0;
    font-size: 0.84rem;
}

.data-table th {
    background: var(--navy);
    color: white;
    padding: 10px 14px;
    text-align: left;
    font-weight: 600;
    font-size: 0.78rem;
}

.data-table td {
    padding: 10px 14px;
    border-bottom: 1px solid var(--border);
    color: var(--text-light);
}

.data-table tr:nth-child(even) td {
    background: #f8fafc;
}

.data-table tr:last-child td {
    border-bottom: none;
}

/* HIGHLIGHT BOX */
.highlight {
    background: var(--blue-pale);
    border-left: 4px solid var(--blue);
    border-radius: 0 10px 10px 0;
    padding: 14px 18px;
    margin: 14px 0;
}

.highlight p {
    font-size: 0.86rem;
    color: #1e3a8a;
    margin: 0;
}

.highlight strong {
    color: var(--navy);
}

.teal-box {
    background: #f0fdfb;
    border-left: 4px solid var(--teal);
    border-radius: 0 10px 10px 0;
    padding: 14px 18px;
    margin: 14px 0;
}

.teal-box p {
    font-size: 0.86rem;
    color: #134e4a;
    margin: 0;
}

.warn-box {
    background: #fffbeb;
    border-left: 4px solid #f59e0b;
    border-radius: 0 10px 10px 0;
    padding: 14px 18px;
    margin: 14px 0;
}

.warn-box p {
    font-size: 0.86rem;
    color: #78350f;
    margin: 0;
}

/* RIGHTS GRID */
.rights-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 14px;
}

.right-card {
    background: var(--blue-pale);
    border-radius: 10px;
    padding: 14px;
}

.right-card .r-icon {
    font-size: 1.2rem;
    margin-bottom: 6px;
}

.right-card .r-title {
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.right-card .r-desc {
    font-size: 0.77rem;
    color: var(--slate);
}





/* RESPONSIVE */
@media(max-width: 800px) {
    .page-wrap {
        grid-template-columns: 1fr;
    }

    .toc-sidebar {
        position: static;
    }

    .hero h1 {
        font-size: 1.8rem;
    }

    .rights-grid,
    .contact-grid {
        grid-template-columns: 1fr;
    }

    .policy-section {
        padding: 22px 20px;
    }
}

/* PRINT */
.last-updated-bar {
    background: white;
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 12px 20px;
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 10px;
}

.last-updated-bar span {
    font-size: 0.8rem;
    color: var(--slate);
    font-family: 'DM Mono', monospace;
}

.tag-pill {
    background: var(--blue-pale);
    color: var(--blue);
    padding: 3px 12px;
    border-radius: 20px;
    font-size: 0.73rem;
    font-weight: 700;
}





/* CONTENT */
.refund-wrapper {
    padding: 70px 0;
}

.policy-card {
    background: #fff;
    border-radius: 20px;
    border: 1px solid var(--border);
    padding: 35px;
    margin-bottom: 25px;
    box-shadow: 0 4px 14px rgba(0,0,0,.04);
}

.section-number {
    color: var(--teal);
    text-transform: uppercase;
    font-size: .72rem;
    font-weight: 700;
    margin-bottom: 8px;
    letter-spacing: .08em;
}

.policy-card h2 {
    color: var(--navy);
    font-size: 1.6rem;
    margin-bottom: 18px;
    padding-bottom: 14px;
    border-bottom: 2px solid var(--blue-pale);
}

.policy-card h3 {
    font-size: 1.05rem;
    color: var(--navy);
    margin-top: 22px;
    margin-bottom: 10px;
    font-weight: 700;
}

.policy-card p {
    color: var(--text-light);
    font-size: .95rem;
    margin-bottom: 12px;
}

.policy-list {
    list-style: none;
    padding-left: 0;
}

.policy-list li {
    position: relative;
    padding-left: 24px;
    margin-bottom: 10px;
    color: var(--text-light);
    font-size: .92rem;
}

.policy-list li::before {
    content: "→";
    position: absolute;
    left: 0;
    color: var(--blue);
    font-weight: bold;
}

/* TABLE */
.policy-table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 20px;
}

.policy-table th {
    background: var(--navy);
    color: #fff;
    padding: 14px;
    text-align: left;
}

.policy-table td {
    border-bottom: 1px solid var(--border);
    padding: 14px;
    color: var(--text-light);
}

.policy-table tr:nth-child(even) {
    background: #f8fafc;
}

/* HIGHLIGHT */
.info-box {
    background: var(--blue-pale);
    border-left: 4px solid var(--blue);
    padding: 18px;
    border-radius: 12px;
    margin-top: 20px;
}

.info-box p {
    margin-bottom: 0;
}


/* MOBILE */
@media(max-width:768px){

    .policy-table{
        display:block;
        overflow-x:auto;
    }
}