/* policy pages (privacy, terms, refund, shipping, payment) */
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Segoe UI',Arial,sans-serif;background:#f8fafc;color:#1e293b;line-height:1.8}
.hdr{background:linear-gradient(135deg,#073b83,#0968d8);color:#fff;padding:40px 20px;text-align:center}
.hdr h1{font-size:28px;margin-bottom:8px}
.hdr p{opacity:.85;font-size:14px}
.wrap{max-width:800px;margin:0 auto;padding:30px 20px}
.sec{background:#fff;border-radius:14px;padding:24px;margin-bottom:18px;box-shadow:0 2px 10px rgba(0,0,0,.05)}
.sec h2{color:#073b83;font-size:19px;margin-bottom:12px;border-bottom:2px solid #e8eef5;padding-bottom:8px}
.sec p,.sec li{font-size:14.5px;color:#475569;margin-bottom:8px}
.sec ul{padding-left:22px}
.bk{display:inline-block;margin:20px 0;padding:12px 28px;background:#0968d8;color:#fff;text-decoration:none;border-radius:10px;font-weight:700}
.hl{background:#f0f7ff;border-left:4px solid #0968d8;padding:12px 16px;border-radius:0 8px 8px 0;margin:12px 0;font-size:14px}
.sec ul,.sec ol{padding-left:22px}
table{width:100%;border-collapse:collapse;margin:12px 0;font-size:14px}
th,td{border:1px solid #e2e8f0;padding:10px 12px;text-align:left}
th{background:#f1f5f9;color:#073b83}
.warn{background:#fef3c7;border-left:4px solid #f59e0b;padding:12px 16px;border-radius:0 8px 8px 0;margin:12px 0;font-size:14px}
.pm{background:#f8fafc;border:2px solid #e2e8f0;border-radius:12px;padding:16px;margin:10px 0}
.pm h3{color:#073b83;font-size:16px;margin-bottom:8px}
.badge{display:inline-block;background:#22c55e;color:#fff;font-size:11px;font-weight:700;padding:3px 10px;border-radius:20px;margin-left:8px}