* { font-family: 'Poppins', sans-serif; }
    body { background: #f8f9fa; color: #222; }
    .navbar { background: #072142; }
    .navbar-brand img { height: 48px; }
    .nav-link { color: #fff !important; font-weight: 600; }
    .nav-link:hover { color: #00BFA6 !important; }
    .policy-hero {
      background: linear-gradient(135deg, #00796b 0%, #072142 50%, #1C1B4D 100%);
      padding: 100px 0 60px;
      color: #fff;
    }
    .policy-hero h1 { font-size: 2.6rem; font-weight: 700; }
    .policy-hero p { opacity: 0.85; font-size: 1.05rem; }
    .badge-pill {
      background: rgba(255,255,255,0.15);
      border: 1px solid rgba(255,255,255,0.3);
      color: #fff;
      padding: 6px 18px;
      border-radius: 50px;
      font-size: 0.85rem;
      display: inline-block;
      margin-bottom: 16px;
    }
    .policy-card {
      background: #fff;
      border-radius: 16px;
      box-shadow: 0 4px 30px rgba(0,0,0,0.08);
      padding: 48px;
      margin-top: -40px;
      margin-bottom: 60px;
    }
    .section-title {
      color: #072142;
      font-weight: 700;
      font-size: 1.15rem;
      margin-top: 36px;
      margin-bottom: 10px;
      border-left: 4px solid #00BFA6;
      padding-left: 12px;
    }
    .policy-card p, .policy-card li { color: #444; line-height: 1.8; font-size: 0.97rem; }
    .policy-card ul { padding-left: 20px; }
    .policy-card ul li { margin-bottom: 6px; }
    .last-updated {
      background: #f0faf8;
      border: 1px solid #b2e8df;
      border-radius: 8px;
      padding: 12px 18px;
      color: #00957e;
      font-size: 0.88rem;
      margin-bottom: 28px;
      display: inline-block;
    }
    /* Refund Table */
    .refund-table { width: 100%; border-collapse: collapse; margin: 20px 0; }
    .refund-table th {
      background: #072142;
      color: #fff;
      padding: 12px 16px;
      text-align: left;
      font-size: 0.9rem;
    }
    .refund-table td { padding: 12px 16px; border-bottom: 1px solid #eee; font-size: 0.92rem; color: #444; }
    .refund-table tr:nth-child(even) td { background: #f8f9fa; }
    .status-full { color: #2e7d32; font-weight: 600; }
    .status-partial { color: #e65100; font-weight: 600; }
    .status-none { color: #c62828; font-weight: 600; }

    /* Steps */
    .step-box {
      display: flex;
      gap: 16px;
      align-items: flex-start;
      margin-bottom: 20px;
    }
    .step-num {
      background: linear-gradient(to right, #00BFA6, #1C1B4D);
      color: #fff;
      border-radius: 50%;
      width: 38px;
      height: 38px;
      min-width: 38px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 700;
      font-size: 1rem;
    }
    .step-text strong { color: #072142; display: block; margin-bottom: 4px; }
    .step-text p { margin: 0; color: #555; font-size: 0.93rem; }

    .info-box {
      background: #e8f5e9;
      border-left: 4px solid #43a047;
      padding: 14px 18px;
      border-radius: 6px;
      margin: 20px 0;
      font-size: 0.95rem;
      color: #2e7d32;
    }