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

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: system-ui, -apple-system, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
      font-size: 16px;
      line-height: 1.6;
      color: #1e293b;
      background-color: #ffffff;
      -webkit-font-smoothing: antialiased;
      -moz-osx-font-smoothing: grayscale;
    }

    /* ========== PAGE HERO BANNER ========== */
    .page-hero {
      background-color: #0a1628;
      padding: 80px 0 72px;
      text-align: center;
      position: relative;
      overflow: hidden;
    }

    .page-hero::before {
      content: '';
      position: absolute;
      top: -100px;
      right: -80px;
      width: 400px;
      height: 400px;
      border: 2px solid #1e3758;
      border-radius: 50%;
      opacity: 0.4;
    }

    .page-hero::after {
      content: '';
      position: absolute;
      top: -50px;
      right: -30px;
      width: 280px;
      height: 280px;
      border: 2px solid #1e3758;
      border-radius: 50%;
      opacity: 0.25;
    }

    .page-hero .container {
      position: relative;
      z-index: 1;
    }

    .page-hero h1 {
      font-size: 48px;
      font-weight: 900;
      color: #ffffff;
      letter-spacing: -0.03em;
      margin-bottom: 16px;
      position: relative;
      display: inline-block;
    }

    .page-hero h1::after {
      content: '';
      position: absolute;
      bottom: -8px;
      left: 50%;
      transform: translateX(-50%);
      width: 60px;
      height: 4px;
      background-color: #ff5e57;
      border-radius: 2px;
    }

    .page-hero .effective-date {
      font-size: 15px;
      color: #94a3b8;
      font-weight: 500;
      margin-top: 20px;
    }

    /* ========== POLICY CONTENT ========== */
    .policy-content {
      padding: 72px 0 80px;
      background-color: #f8fafc;
    }

    .policy-content .container {
      max-width: 860px;
      margin: 0 auto;
      padding: 48px 56px;
      background-color: #ffffff;
      border: 1px solid #e2e8f0;
      border-radius: 16px;
      box-shadow: 0 4px 24px rgba(10, 22, 40, 0.06);
    }

    .policy-content h2 {
      font-size: 26px;
      font-weight: 800;
      color: #0a1628;
      margin-top: 48px;
      margin-bottom: 20px;
      letter-spacing: -0.02em;
      padding-bottom: 12px;
      border-bottom: 3px solid #ff5e57;
      display: inline-block;
      line-height: 1.25;
    }

    .policy-content h2:first-child {
      margin-top: 0;
    }

    .policy-content p {
      font-size: 16px;
      line-height: 1.8;
      color: #334155;
      margin-bottom: 20px;
    }

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

    .policy-content ul,
    .policy-content ol {
      margin: 8px 0 20px 24px;
      color: #334155;
      line-height: 1.8;
    }

    .policy-content li {
      font-size: 16px;
      margin-bottom: 8px;
    }

    .policy-content li strong {
      color: #0a1628;
    }

    .policy-content a {
      color: #ff5e57;
      text-decoration: underline;
      font-weight: 500;
      transition: color 0.2s;
    }

    .policy-content a:hover {
      color: #e04e48;
    }

    .policy-content strong {
      color: #0a1628;
      font-weight: 700;
    }

    /* ========== RESPONSIVE ========== */
    @media (max-width: 1024px) {
      .page-hero h1 {
        font-size: 40px;
      }

      .policy-content .container {
        padding: 40px 36px;
        max-width: 720px;
      }
    }

    @media (max-width: 768px) {
      .page-hero {
        padding: 60px 0 56px;
      }

      .page-hero h1 {
        font-size: 34px;
      }

      .page-hero .effective-date {
        font-size: 14px;
      }

      .policy-content {
        padding: 48px 0 60px;
      }

      .policy-content .container {
        padding: 32px 24px;
        border-radius: 12px;
        max-width: 100%;
        margin: 0 16px;
      }

      .policy-content h2 {
        font-size: 22px;
        margin-top: 36px;
        margin-bottom: 16px;
      }

      .policy-content p,
      .policy-content li {
        font-size: 15px;
      }
    }

    @media (max-width: 480px) {
      .page-hero {
        padding: 48px 0 44px;
      }

      .page-hero h1 {
        font-size: 28px;
      }

      .policy-content .container {
        padding: 24px 18px;
        margin: 0 10px;
        border-radius: 10px;
      }

      .policy-content h2 {
        font-size: 20px;
        margin-top: 32px;
        margin-bottom: 14px;
      }

      .policy-content ul,
      .policy-content ol {
        margin-left: 18px;
      }
    }