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

    :root {
        --primary: #ff6b2c;
        --primary-dark: #e85d1f;
        --primary-light: #fff1e6;
        --primary-glow: rgba(255, 107, 44, 0.25);
        --secondary: #2D2F36;
        --dark-bg: #121317;
        --text-dark: #111827;
        --text-gray: #6C727F;
        --border-light: rgba(0, 0, 0, 0.05);
        --shadow-sm: 0 20px 35px -12px rgba(0, 0, 0, 0.08);
        --shadow-md: 0 30px 45px -18px rgba(0, 0, 0, 0.12);
        --transition: all 0.35s cubic-bezier(0.2, 0.9, 0.4, 1.1);
    }

    body {
        font-family: 'Inter', sans-serif;
        background: #fef9f5;
        color: var(--text-dark);
        line-height: 1.5;
    }

    .policy-wrapper {
        max-width: 1440px;
        margin: 0 auto;
        padding: 2rem 2rem 4rem;
    }

    /* ========= IMAGE & ASSET DECORATIONS ========= */
    .hero-with-bg {
        position: relative;
        border-radius: 56px;
        margin-top: 55px;
        background:
            linear-gradient(135deg, #fff7f1 0%, #ffffff 45%, #fff1e8 100%);

        background-image:
            radial-gradient(circle at top right, rgba(255, 107, 44, 0.08), transparent 35%);
        padding: 4rem 3.5rem;
        margin-bottom: 3rem;
        overflow: hidden;
        box-shadow: var(--shadow-md);
        border: 1px solid rgba(255, 107, 44, 0.15);
        min-height: 480px;
        display: flex;
        align-items: center;
    }

    .hero-bg-image {
        position: absolute;
        inset: 0;
        width: 100%;
        height: 100%;
        overflow: hidden;
        border-radius: 56px;
        filter: saturate(105%);
    }

    .hero-bg-image img {
        width: 100%;
        height: 100%;
        object-fit: cover;
        object-position: right center;
        opacity: 1;
    }

    .hero-bg-image::after {
        content: "";
        position: absolute;
        inset: 0;
        background: linear-gradient(to right,
                rgba(255, 255, 255, 0.97) 5%,
                rgba(255, 255, 255, 0.92) 32%,
                rgba(255, 255, 255, 0.58) 52%,
                rgba(255, 255, 255, 0.10) 100%);
    }

    .hero-content {
        position: relative;
        z-index: 2;
        width: 52%;
    }

    .hero-badge {
        display: inline-flex;
        background: var(--primary-light);
        padding: 0.45rem 1.2rem;
        border-radius: 60px;
        font-weight: 700;
        font-size: 0.85rem;
        color: var(--primary-dark);
        gap: 8px;
        margin-bottom: 1.2rem;
    }

    .hero-content h1 {
        font-size: 4.2rem;
        line-height: 1.05;
        font-weight: 800;
        letter-spacing: -0.02em;
        background: linear-gradient(130deg, #1E1F2C, #2D2F36);
        background-clip: text;
        -webkit-background-clip: text;
        color: transparent;
        margin-bottom: 1rem;
    }

    .hero-desc {
        font-size: 1.18rem;
        color: #5f6675;
        max-width: 540px;
        line-height: 1.7;
    }

    .stats-row {
        display: flex;
        gap: 2rem;
        margin-top: 2rem;
        flex-wrap: wrap;
    }

    .stat {
        display: flex;
        align-items: center;
        gap: 12px;
    }

    .stat i {
        font-size: 2rem;
        color: var(--primary);
        background: white;
        padding: 10px;
        border-radius: 32px;
        box-shadow: 0 8px 14px -6px rgba(0, 0, 0, 0.05);
    }

    /* card designs */
    .premium-card {
        background: rgba(255, 255, 255, 0.78);
        backdrop-filter: blur(18px);
        -webkit-backdrop-filter: blur(18px);
        border-radius: 44px;
        margin-bottom: 2.5rem;
        box-shadow: var(--shadow-sm);
        transition: var(--transition);
        overflow: hidden;
        border: 1px solid #fff0e6;
    }

    .premium-card:hover {
        transform: translateY(-8px) scale(1.01);
        box-shadow: var(--shadow-md);
    }

    .card-header-img {
        display: flex;
        align-items: center;
        justify-content: space-between;
        flex-wrap: wrap;
        padding: 1.6rem 2rem;
        border-bottom: 2px solid #fff0e6;
        background: #ffffff;
    }

    .title-icon {
        display: flex;
        align-items: center;
        gap: 14px;
    }

    .title-icon i {
        font-size: 2rem;
        color: var(--primary);
        background: var(--primary-light);
        padding: 12px;
        border-radius: 28px;
        box-shadow: 0 0 25px rgba(255, 107, 44, 0.18);
    }

    .title-icon h2 {
        font-size: 1.7rem;
        font-weight: 700;
        letter-spacing: -0.3px;
    }

    .card-badge-img {
        background: #f7f3ef;
        border-radius: 60px;
        padding: 0.3rem 1rem;
        font-size: 0.75rem;
        font-weight: 600;
        display: flex;
        align-items: center;
        gap: 6px;
    }

    .card-badge-img img {
        width: 22px;
        height: 22px;
        object-fit: contain;
    }

    /* responsive tables with image hints */
    .table-responsive {
        overflow-x: auto;
        padding: 0 1rem 0.5rem 1rem;
    }

    .elegant-table {
        width: 100%;
        border-collapse: collapse;
    }

    .elegant-table th {
        text-align: left;
        padding: 1.2rem 1rem;
        background-color: #fdfaf7;
        font-weight: 700;
        color: var(--secondary);
        font-size: 0.9rem;
    }

    .elegant-table td {
        padding: 1rem;
        border-bottom: 1px solid #f0eae4;
        vertical-align: middle;
    }

    .refund-badge {
        background: #e0f2e3;
        color: #1f6e2f;
        border-radius: 40px;
        padding: 5px 12px;
        font-weight: 600;
        font-size: 0.8rem;
        display: inline-block;
    }

    .charge-badge {
        background: #ffede8;
        color: #c2410c;
        border-radius: 40px;
        padding: 5px 12px;
        font-weight: 600;
        font-size: 0.8rem;
    }

    .warning-badge {
        background: #fff0db;
        color: #b45309;
    }

    /* images inside grid */
    .scenario-grid {
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
        gap: 1.2rem;
        padding: 1.5rem 2rem;
    }

    .scenario-card {
        background: #ffffff;
        border-radius: 28px;
        padding: 1rem 1.2rem;
        display: flex;
        gap: 16px;
        align-items: center;
        box-shadow: 0 6px 12px -8px rgba(0, 0, 0, 0.05);
        transition: 0.2s;
        border: 1px solid #fff0e6;
        cursor: pointer;
    }

    .scenario-card:hover {
        transform: translateY(-5px);
        border-color: var(--primary);
    }

    .scenario-card img {
        width: 48px;
        height: 48px;
        object-fit: contain;
    }

    .scenario-text strong {
        font-size: 1rem;
        display: block;
    }

    .process-steps {
        display: flex;
        flex-wrap: wrap;
        justify-content: space-between;
        gap: 1rem;
        padding: 1.5rem 2rem;
        background: linear-gradient(115deg, #fffaf5 0%, #ffffff 100%);
        border-radius: 40px;
        margin: 0 1.5rem 1.5rem 1.5rem;
    }

    .step-item {
        flex: 1;
        min-width: 150px;
        display: flex;
        gap: 16px;
        align-items: center;
        background: white;
        border-radius: 32px;
        padding: 0.8rem 1rem;
        box-shadow: 0 10px 20px -12px rgba(0, 0, 0, 0.05);
    }

    .step-img {
        width: 46px;
        height: 46px;
        background: var(--primary-light);
        border-radius: 60px;
        display: flex;
        align-items: center;
        justify-content: center;
    }

    .step-img img {
        width: 26px;
        height: 26px;
    }

    .footnote-premium {
        background: #2D2F36;
        border-radius: 48px;
        padding: 2rem 2rem;
        color: white;
        margin-top: 2rem;
        background-image: radial-gradient(circle at 100% 0%, rgba(255, 107, 44, 0.15) 0%, transparent 70%);
    }

    .support-strip {
        background: #1f2430;
        border-radius: 32px;
        padding: 1.4rem 2rem;
        display: flex;
        justify-content: space-between;
        align-items: center;
        gap: 20px;
        margin-top: 2rem;
        box-shadow: 0 15px 35px rgba(0, 0, 0, 0.08);
    }

    .support-strip-left {
        display: flex;
        align-items: center;
        gap: 18px;
    }

    .support-mini-icon {
        width: 58px;
        height: 58px;
        border-radius: 18px;
        background: linear-gradient(135deg, #ff6b2c, #ff914d);
        display: flex;
        align-items: center;
        justify-content: center;
        color: white;
        font-size: 1.4rem;
        flex-shrink: 0;
    }

    .support-strip h3 {
        color: white;
        font-size: 1.3rem;
        margin-bottom: 4px;
        font-weight: 700;
    }

    .support-strip p {
        color: rgba(255, 255, 255, 0.68);
        margin: 0;
        font-size: 0.95rem;
    }

    .support-strip-btn {
        background: white;
        color: #1f2430;
        text-decoration: none;
        padding: 14px 24px;
        border-radius: 50px;
        font-weight: 700;
        display: flex;
        align-items: center;
        gap: 10px;
        transition: 0.3s;
        white-space: nowrap;
    }

    .support-strip-btn:hover {
        transform: translateY(-3px);
    }

    @media (max-width: 700px) {
        .policy-wrapper {
            padding: 1rem;
        }

        .hero-with-bg {
            padding: 1.5rem;
        }

        .hero-content h1 {
            font-size: 2.2rem;
        }
    }

    .blur-circle {
        position: fixed;
        border-radius: 50%;
        filter: blur(100px);
        z-index: -1;
    }

    .blur1 {
        width: 300px;
        height: 300px;
        background: #ff6b2c55;
        top: -100px;
        left: -100px;
    }

    .blur2 {
        width: 350px;
        height: 350px;
        background: #ffcf9950;
        bottom: -120px;
        right: -120px;
    }

    .image-icon-small {
        width: 20px;
        vertical-align: middle;
        margin-right: 6px;
    }

    ::-webkit-scrollbar {
        width: 10px;
    }

    ::-webkit-scrollbar-thumb {
        background: linear-gradient(#ff6b2c, #ff914d);
        border-radius: 20px;
    }

    .support-btn {
        background: linear-gradient(135deg, #ff6b2c, #ff914d);
        color: white;
        padding: 14px 28px;
        border-radius: 50px;
        text-decoration: none;
        font-weight: 700;
        box-shadow: 0 12px 25px rgba(255, 107, 44, 0.25);
        transition: 0.3s;
        display: inline-block;
    }

    .support-btn:hover {
        transform: translateY(-3px);
    }

    /* =========================
   MOBILE RESPONSIVE FIX
========================= */

    @media screen and (max-width:768px) {

        .policy-wrapper {
            padding: 14px;
        }

        /* HERO */

        .hero-with-bg {

            padding: 28px 20px;

            border-radius: 32px;

            min-height: auto;

            margin-top: 25px;

            overflow: hidden;
        }

        .hero-bg-image {

            opacity: 0.25;
        }

        .hero-bg-image::after {

            background:
                linear-gradient(to bottom,
                    rgba(255, 255, 255, 0.95),
                    rgba(255, 255, 255, 0.88));
        }

        .hero-content {

            width: 100%;
        }

        .hero-content h1 {

            font-size: 2.8rem;

            line-height: 1.08;

            margin-bottom: 14px;
        }

        .hero-desc {

            font-size: 15px;

            line-height: 1.7;
        }

        .hero-badge {

            font-size: 12px;

            padding: 10px 16px;
        }

        /* STATS */

        .stats-row {

            gap: 14px;

            margin-top: 24px;

            flex-direction: column;
        }

        .stat {

            width: 100%;

            background: white;

            padding: 14px;

            border-radius: 20px;

            box-shadow:
                0 10px 25px rgba(0, 0, 0, 0.05);
        }

        .stat i {

            font-size: 18px;

            width: 48px;
            height: 48px;

            display: flex;
            align-items: center;
            justify-content: center;
        }

        /* CARDS */

        .premium-card {

            border-radius: 28px;

            margin-bottom: 22px;
        }

        .card-header-img {

            padding: 18px;

            gap: 15px;

            align-items: flex-start;
        }

        .title-icon {

            gap: 12px;
        }

        .title-icon h2 {

            font-size: 1.2rem;

            line-height: 1.4;
        }

        .title-icon i {

            font-size: 1.2rem;

            padding: 12px;

            border-radius: 18px;
        }

        .card-badge-img {

            font-size: 11px;

            padding: 7px 12px;
        }

        /* TABLE */

        .table-responsive {

            overflow-x: auto;

            padding-bottom: 10px;
        }

        .elegant-table {

            min-width: 650px;
        }

        .elegant-table th,
        .elegant-table td {

            padding: 14px;

            font-size: 13px;
        }

        /* SCENARIO */

        .scenario-grid {

            grid-template-columns: 1fr;

            padding: 18px;
        }

        .scenario-card {

            border-radius: 22px;
        }

        /* PROCESS */

        .process-steps {

            flex-direction: column;

            padding: 18px;

            margin: 18px;
        }

        .step-item {

            width: 100%;
        }

        /* SUPPORT STRIP */

        .support-strip {

            flex-direction: column;

            align-items: flex-start;

            padding: 24px 20px;

            border-radius: 28px;
        }

        .support-strip-left {

            width: 100%;
        }

        .support-strip h3 {

            font-size: 1.15rem;
        }

        .support-strip p {

            font-size: 14px;

            line-height: 1.6;
        }

        .support-strip-btn {

            width: 100%;

            justify-content: center;

            margin-top: 8px;
        }

    }


    /* EXTRA SMALL DEVICES */

    @media screen and (max-width:480px) {

        .hero-content h1 {
            font-size: 2.2rem;
        }

        .hero-desc {
            font-size: 14px;
        }

        .title-icon h2 {
            font-size: 1rem;
        }

        .support-strip {
            padding: 20px 16px;
        }

    }