body {
  background: #f3f3f3;
}

.policy-hero {
  min-height: 320px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  background: linear-gradient(rgba(0, 0, 0, 0.55), rgba(0, 0, 0, 0.55)),
    url("../images/home-bg.webp") center/cover no-repeat;
  color: #fff;
  text-align: center;
  padding: 120px 20px 60px;
}

.policy-hero .hero-content {
  position: relative;
  z-index: 1;
  max-width: 820px;
}

.policy-hero h1 {
  font-size: clamp(2rem, 5vw, 3.2rem);
  margin-bottom: 12px;
}

.policy-hero p {
  font-size: 1.05rem;
  line-height: 1.6;
}

.policy-content-section {
  padding: 48px 20px 72px;
}

.policy-container {
  max-width: 980px;
  margin: 0 auto;
}

.policy-card {
  background: #fff;
  border-radius: 18px;
  box-shadow: 0 14px 40px rgba(0, 0, 0, 0.08);
  padding: 40px;
}

.policy-card h2 {
  margin-top: 30px;
  margin-bottom: 12px;
  font-size: 1.35rem;
  color: #111;
}

.policy-card h2:first-of-type {
  margin-top: 0;
}

.policy-card p,
.policy-card li {
  color: #333;
  line-height: 1.75;
  font-size: 1rem;
}

.policy-card ul {
  padding-left: 21px;
  margin: 12px 0 18px;
}

.policy-card a {
  color: #000;
  text-decoration: underline;
}

.policy-card a:hover,
.policy-card a:focus {
  color: #000;
  text-decoration: underline;
}

.policy-card .intro-text {
  margin-bottom: 16px;
}

.claim-steps {
  display: grid;
  gap: 18px;
  margin: 22px 0 24px;
}

.claim-step {
  background: linear-gradient(135deg, #f6f9ff 0%, #eef4ff 100%);
  border: 1px solid #dbe7ff;
  border-left: 6px solid #007bff;
  border-radius: 14px;
  padding: 18px 20px;
  box-shadow: 0 8px 18px rgba(0, 123, 255, 0.08);
}

.claim-step-number {
  display: inline-block;
  background: #007bff;
  color: #fff;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 10px;
  border-radius: 999px;
  margin-bottom: 10px;
}

.claim-step h3 {
  margin: 0 0 8px;
  font-size: 1.1rem;
  color: #111827;
}

.claim-step p,
.claim-step li {
  margin: 0 0 8px;
}

.claim-step ul {
  margin: 10px 0 0;
  padding-left: 20px;
}

.important-note {
  background: #fff7e6;
  border: 1px solid #ffe2a8;
  border-left: 5px solid #f59e0b;
  border-radius: 10px;
  padding: 14px 16px;
  margin-top: 8px;
}

@media (max-width: 768px) {
  .policy-card {
    padding: 24px;
  }

  .policy-hero {
    min-height: 280px;
    padding-top: 110px;
  }

  .claim-step {
    padding: 16px 16px;
  }
}