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

body{
  font-family:Arial, Helvetica, sans-serif;
  background:#f5f8fc;
  color:#092452;
  line-height:1.7;
}

a{
  text-decoration:none;
}

.container{
  width:min(1180px, 92%);
  margin:auto;
}

.policy-header{
  background:#06366f;
  color:#fff;
  position:sticky;
  top:0;
  z-index:99;
  box-shadow:0 10px 30px rgba(0,0,0,.15);
}

.nav{
  height:72px;
  display:flex;
  align-items:center;
  justify-content:space-between;
}

.logo{
  color:#fff;
  font-size:30px;
  letter-spacing:-1px;
}

.logo span{
  font-weight:900;
}

.top-call{
  color:#fff;
  font-weight:900;
  text-align:right;
  line-height:1.1;
}

.top-call small{
  display:block;
  font-size:12px;
  opacity:.85;
}

.policy-hero{
  background:
    linear-gradient(135deg,rgba(6,54,111,.95),rgba(0,87,217,.78)),
    url("https://images.unsplash.com/photo-1663206746783-8a2e6f42e075?q=80&w=2071&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D");
  background-size:cover;
  background-position:center;
  color:#fff;
  padding:50px 0 95px;
  position:relative;
  overflow:hidden;
}

.policy-hero::after{
  content:"";
  position:absolute;
  width:360px;
  height:360px;
  border-radius:50%;
  background:rgba(255,255,255,.10);
  right:-90px;
  top:-100px;
}


.policy-hero h1{
  font-size:44px;
  line-height:1.05;
  margin-bottom:14px;
}

.policy-hero p{
  max-width:720px;
  color:#dbeafe;
  font-size:16px;
  font-weight:650;
}

.policy-section{
  padding:70px 0;
}

.policy-layout{
  display:grid;
  grid-template-columns: 1fr;
  gap:34px;
  align-items:start;
}



.policy-card{
  background:#fff;
  border-radius:28px;
  padding:18px;
  border:1px solid #dbe7f5;
  box-shadow:0 24px 70px rgba(15,23,42,.08);
}

.policy-block{
  display:grid;
  grid-template-columns:56px 1fr;
  gap:18px;
  padding:26px;
  border-bottom:1px solid #e8eef6;
}

.policy-block:last-of-type{
  border-bottom:none;
}

.icon{
  width:52px;
  height:52px;
  border-radius:16px;
  background:#eaf4ff;
  color:#0057d9;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:22px;
}

.policy-block h2,
.contact-box h2{
  font-size:22px;
  line-height:1.2;
  margin-bottom:9px;
  color:#061f4d;
}

.policy-block p,
.contact-box p{
  color:#263f63;
  font-size:16px;
  font-weight:500;
}

.contact-box{
  margin:20px;
  padding:30px;
  border-radius:24px;
  background:linear-gradient(135deg,#06275a,#0057d9);
  color:#fff;
}

.contact-box h2,
.contact-box p{
  color:#fff;
}

.contact-box a{
  color:#fff;
  font-weight:950;
  text-decoration:underline;
}

.policy-footer{
  background:#fff;
  border-top:1px solid #dbe7f5;
  padding:24px 0;
}

.footer-inner{
  display:flex;
  justify-content:space-between;
  gap:20px;
  color:#63758f;
  font-size:14px;
}

.float-call{
  position:fixed;
  right:20px;
  bottom:20px;
  background:linear-gradient(135deg,#0033a1,#0057d9);
  color:#fff;
  padding:14px 20px;
  border-radius:50px;
  font-weight:900;
  box-shadow:0 18px 45px rgba(0,51,161,.35);
  z-index:100;
}

.float-call i{
  margin-right:6px;
}

@media(max-width:900px){
  .policy-layout{
    grid-template-columns:1fr;
  }

  .policy-sidebar{
    position:static;
  }

  .policy-hero h1{
    font-size:42px;
  }

  .footer-inner{
    flex-direction:column;
  }
}

@media(max-width:560px){
  .top-call{
    font-size:13px;
  }

  .policy-hero{
    padding:60px 0;
  }

  .policy-hero h1{
    font-size:36px;
  }

  .policy-block{
    grid-template-columns:1fr;
    padding:22px;
  }

  .policy-block h2{
    font-size:23px;
  }

  .float-call{
    right:14px;
    bottom:14px;
    padding:13px 16px;
  }
}










.terms-header{
  background:#062f68;
  position:sticky;
  top:0;
  z-index:100;
  box-shadow:0 10px 30px rgba(0,0,0,.15);
}



.terms-hero{
  background:
    linear-gradient(135deg,rgba(6,47,104,.95),rgba(0,87,217,.78)),
    url("https://images.unsplash.com/photo-1663206746783-8a2e6f42e075?q=80&w=2071&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D");
  background-size:cover;
  background-position:center;
  padding:50px 0 110px;
  color:#fff;
  position:relative;
  overflow:hidden;
}

.terms-hero::before{
  content:"";
  position:absolute;
  width:420px;
  height:420px;
  border-radius:50%;
  background:rgba(255,255,255,.10);
  right:-130px;
  top:-120px;
}

.hero-box{
  position:relative;
  z-index:2;
}


.terms-hero h1{
  font-size:44px;
  line-height:1.05;
  margin-bottom:14px;
}

.terms-hero p{
  max-width:720px;
  color:#dbeafe;
  font-size:16px;
  font-weight:600;
}

.terms-section{
  padding:70px 0;
}

.terms-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:35px;
  align-items:start;
}

.terms-sidebar{
  background:#fff;
  border:1px solid #dbe7f5;
  border-radius:24px;
  padding:24px;
  position:sticky;
  top:95px;
  box-shadow:0 18px 45px rgba(15,23,42,.08);
}

.terms-sidebar h3{
  font-size:22px;
  margin-bottom:14px;
}

.terms-sidebar a{
  display:block;
  padding:11px 12px;
  border-radius:12px;
  color:#34506f;
  font-weight:800;
  font-size:14px;
  transition:.25s;
}

.terms-sidebar a:hover,
.terms-sidebar a.active{
  background:#eaf4ff;
  color:#0057d9;
}

.terms-content{
  display:grid;
  gap:18px;
}

.term-card{
  background:#fff;
  border:1px solid #dbe7f5;
  border-radius:24px;
  padding:28px;
  display:grid;
  grid-template-columns:70px 1fr;
  gap:20px;
  box-shadow:0 16px 42px rgba(15,23,42,.06);
  transition:.3s;
}

.term-card:hover{
  transform:translateY(-4px);
  box-shadow:0 24px 60px rgba(15,23,42,.10);
}

.number{
  width:56px;
  height:56px;
  border-radius:18px;
  background:linear-gradient(135deg,#0033a1,#0057d9);
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:950;
  font-size:18px;
}

.term-card h2{
  font-size:22px;
  line-height:1.2;
  margin-bottom:8px;
  color:#061f4d;
}

.term-card p{
  color:#263f63;
  font-size:16px;
  font-weight:500;
}

.contact-card{
  background:linear-gradient(135deg,#061f4d,#0057d9);
  color:#fff;
  border-radius:28px;
  padding:34px;
  display:flex;
  justify-content:space-between;
  gap:30px;
  align-items:center;
  margin-top:12px;
  box-shadow:0 24px 70px rgba(0,51,161,.25);
}

.contact-card h2{
  font-size:24px;
  line-height:1.15;
  margin:8px 0;
}

.contact-card p{
  color:#dbeafe;
  font-weight:650;
}

.contact-card p a{
  color:#fff;
  font-weight:950;
  text-decoration:underline;
}

.call-btn{
  background:#fff;
  color:#0033a1 !important;
  padding:14px 22px;
  border-radius:50px;
  font-weight:950;
  white-space:nowrap;
  text-decoration: none !important;
}


.call-btn i{
  margin-right:6px;
}

.terms-footer{
  background:#fff;
  border-top:1px solid #dbe7f5;
  padding:24px 0;
}

.footer-inner{
  display:flex;
  justify-content:space-between;
  gap:20px;
  color:#63758f;
  font-size:14px;
}

.float-call{
  position:fixed;
  right:20px;
  bottom:20px;
  background:linear-gradient(135deg,#0033a1,#0057d9);
  color:#fff;
  padding:14px 20px;
  border-radius:50px;
  font-weight:900;
  box-shadow:0 18px 45px rgba(0,51,161,.35);
  z-index:100;
}

.float-call i{
  margin-right:6px;
}

@media(max-width:900px){
  .terms-grid{
    grid-template-columns:1fr;
  }

  .terms-sidebar{
    position:static;
  }

  .terms-hero h1{
    font-size:42px;
  }

  .contact-card{
    flex-direction:column;
    align-items:flex-start;
  }

  .footer-inner{
    flex-direction:column;
  }
}

@media(max-width:560px){
  .top-call{
    font-size:13px;
  }

  .terms-hero{
    padding:60px 0;
  }

  .terms-hero h1{
    font-size:36px;
  }

  .term-card{
    grid-template-columns:1fr;
    padding:24px;
  }

  .term-card h2{
    font-size:23px;
  }


  .float-call{
    right:14px;
    bottom:14px;
    padding:13px 16px;
  }
}












.disclaimer-header{
  background:#06366f;
  color:#fff;
  position:sticky;
  top:0;
  z-index:100;
  box-shadow:0 10px 30px rgba(0,0,0,.15);
}


.hero{
  background:
    linear-gradient(135deg,rgba(6,54,111,.96),rgba(0,87,217,.76)),
    url("https://images.unsplash.com/photo-1663206746783-8a2e6f42e075?q=80&w=2071&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D");
  background-size:cover;
  background-position:center;
  color:#fff;
  padding:50px 0 110px;
  position:relative;
  overflow:hidden;
}

.hero::after{
  content:"";
  position:absolute;
  width:380px;
  height:380px;
  border-radius:50%;
  background:rgba(255,255,255,.10);
  right:-120px;
  top:-120px;
}

.hero-inner{
  position:relative;
  z-index:2;
}


.hero h1{
  font-size:44px;
  line-height:1.05;
  margin-bottom:14px;
}

.hero p{
  max-width:760px;
  color:#dbeafe;
  font-size:16px;
  font-weight:600;
}

.disclaimer-section{
  padding:70px 0;
}

.disclaimer-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:34px;
  align-items:start;
}

.side-card{
  background:#fff;
  border:1px solid #dbe7f5;
  border-radius:24px;
  padding:24px;
  position:sticky;
  top:95px;
  box-shadow:0 18px 45px rgba(15,23,42,.08);
}

.side-card h3{
  font-size:22px;
  color:#061f4d;
  margin-bottom:14px;
}

.side-card a{
  display:block;
  color:#34506f;
  font-weight:800;
  padding:11px 12px;
  border-radius:12px;
  font-size:14px;
  transition:.25s;
}

.side-card a:hover,
.side-card a.active{
  background:#eaf4ff;
  color:#0057d9;
}

.content-card{
  display:grid;
  gap:18px;
}

.info-box{
  background:#fff;
  border:1px solid #dbe7f5;
  border-radius:24px;
  padding:28px;
  display:grid;
  grid-template-columns:58px 1fr;
  gap:20px;
  box-shadow:0 16px 42px rgba(15,23,42,.06);
  transition:.3s;
}

.info-box:hover{
  transform:translateY(-4px);
  box-shadow:0 24px 60px rgba(15,23,42,.10);
}

.icon{
  width:54px;
  height:54px;
  border-radius:18px;
  background:linear-gradient(135deg,#eaf4ff,#dbeafe);
  color:#0057d9;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:22px;
}

.info-box h2{
  font-size:22px;
  line-height:1.2;
  margin-bottom:8px;
  color:#061f4d;
}

.info-box p{
  color:#263f63;
  font-size:16px;
  font-weight:500;
}

.contact-box{
  background:linear-gradient(135deg,#061f4d,#0057d9);
  color:#fff;
  border-radius:28px;
  padding:34px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:30px;
  box-shadow:0 24px 70px rgba(0,51,161,.25);
}

.contact-box span{
  display:inline-block;
  background:rgba(255,255,255,.14);
  border:1px solid rgba(255,255,255,.24);
  padding:7px 14px;
  border-radius:50px;
  font-weight:900;
  font-size:12px;
  text-transform:uppercase;
  margin-bottom:8px;
}

.contact-box h2{
  font-size:24px;
  line-height:1.15;
  margin-bottom:8px;
}

.contact-box p{
  color:#dbeafe;
  font-weight:500;
}

.contact-box p a{
  color:#fff;
  font-weight:950;
  text-decoration:underline;
}


.disclaimer-footer{
  background:#fff;
  border-top:1px solid #dbe7f5;
  padding:24px 0;
}

.footer-inner{
  display:flex;
  justify-content:space-between;
  gap:20px;
  color:#63758f;
  font-size:14px;
}

.floating-call{
  position:fixed;
  right:20px;
  bottom:20px;
  background:linear-gradient(135deg,#0033a1,#0057d9);
  color:#fff;
  padding:14px 20px;
  border-radius:50px;
  font-weight:900;
  box-shadow:0 18px 45px rgba(0,51,161,.35);
  z-index:100;
}

.floating-call i{
  margin-right:6px;
}

@media(max-width:900px){
  .disclaimer-grid{
    grid-template-columns:1fr;
  }

  .side-card{
    position:static;
  }

  .hero h1{
    font-size:42px;
  }

  .contact-box{
    flex-direction:column;
    align-items:flex-start;
  }

  .footer-inner{
    flex-direction:column;
  }
}

@media(max-width:560px){
  .top-call{
    font-size:13px;
  }

  .hero{
    padding:60px 0;
  }

  .hero h1{
    font-size:36px;
  }

  .info-box{
    grid-template-columns:1fr;
    padding:24px;
  }

  .info-box h2{
    font-size:23px;
  }



  .floating-call{
    right:14px;
    bottom:14px;
    padding:13px 16px;
  }
}


.policy-footer{
  background:#fff;
  border-top:1px solid #dbe7f5;
  padding-top:50px;
}

.footer-top{
  display:grid;
  grid-template-columns:1.3fr 1fr 1fr;
  gap:40px;
  padding-bottom:35px;
}

.footer-logo{
  font-size:34px;
  color:#062f68;
  letter-spacing:-1px;
}

.footer-logo span{
  font-weight:900;
}

.footer-brand p{
  color:#526173;
  font-weight:600;
  margin-top:14px;
  max-width:320px;
}

.footer-links h4,
.footer-contact h4{
  color:#061f4d;
  margin-bottom:16px;
  font-size:18px;
}

.footer-links a,
.footer-contact a{
  display:block;
  color:#34506f;
  font-weight:700;
  margin-bottom:12px;
  transition:.25s;
}

.footer-links a:hover,
.footer-contact a:hover{
  color:#0057d9;
}

.footer-contact i{
  margin-right:7px;
}

.footer-bottom{
  border-top:1px solid #e5edf6;
  padding:22px 0;
  display:flex;
  justify-content:space-between;
  gap:20px;
  color:#63758f;
  font-size:14px;
}

@media(max-width:768px){

  .footer-top{
    grid-template-columns:1fr;
  }

  .footer-bottom{
    flex-direction:column;
  }
}