/* ============================================================
   policy.css — Shared styles for all Obixe policy pages
   ============================================================ */

/* ── HERO ── */
.policy-hero {
  padding: 160px 0 80px;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  position: relative;
  overflow: hidden;
}
.policy-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(27,160,160,0.14), transparent);
}
.policy-hero--teal {
  background: linear-gradient(135deg, #0f7070 0%, var(--teal) 100%);
}
.policy-hero--teal::before {
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(255,255,255,0.08), transparent);
}
.policy-hero--amber {
  background: linear-gradient(135deg, #7a4a00 0%, #b87020 100%);
}
.policy-hero--amber::before {
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(201,169,110,0.2), transparent);
}
.policy-hero--gold {
  background: linear-gradient(135deg, var(--navy-dark) 0%, #1a3a52 50%, #7a5a20 100%);
}
.policy-hero--navy {
  background: linear-gradient(135deg, #060e18 0%, var(--navy-dark) 100%);
}
.policy-hero--dark {
  background: linear-gradient(135deg, #050b12 0%, #0d2137 100%);
}

.policy-hero-inner {
  position: relative;
  z-index: 1;
  color: var(--white);
}

.policy-label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
  border: 1px solid rgba(255,255,255,0.15);
  padding: 6px 14px;
  border-radius: 40px;
  background: rgba(255,255,255,0.06);
}

.policy-hero-inner h1 {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 6vw, 4rem);
  font-weight: 500;
  color: var(--white);
  margin-bottom: 12px;
  line-height: 1.1;
}

.policy-hero-inner p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 520px;
  margin-bottom: 24px;
}

.policy-meta {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.policy-meta span {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}
.policy-meta i { color: var(--gold); }

/* ── BODY ── */
.policy-body {
  background: var(--cream-light);
  padding: 60px 0 100px;
}

/* ── TABLE OF CONTENTS ── */
.policy-toc {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-bottom: 40px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
  box-shadow: var(--shadow-card);
}
.toc-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-right: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}
.policy-toc a {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--navy);
  padding: 5px 12px;
  border-radius: 30px;
  border: 1px solid var(--gray-200);
  background: var(--cream-light);
  text-decoration: none;
  transition: all 0.2s ease;
  white-space: nowrap;
}
.policy-toc a:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

/* ── SECTION ── */
.policy-section {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px 40px;
  margin-bottom: 24px;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-card);
  position: relative;
  scroll-margin-top: 90px;
}
.section-num {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal);
  background: rgba(27,160,160,0.08);
  padding: 4px 12px;
  border-radius: 30px;
  margin-bottom: 12px;
}
.policy-section h2 {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 500;
  color: var(--navy-dark);
  margin-bottom: 14px;
  line-height: 1.15;
}
.policy-section p {
  font-size: 0.93rem;
  color: var(--gray-600);
  line-height: 1.75;
  margin: 0;
}

/* ── POLICY LIST ── */
.policy-list {
  list-style: none;
  padding: 0;
  margin: 20px 0 0;
}
.policy-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 0.92rem;
  color: var(--gray-600);
  line-height: 1.6;
}
.policy-list li:last-child { border-bottom: none; }
.policy-list li i {
  color: var(--teal);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.policy-list li strong { color: var(--navy-dark); }

/* ── NOTE / CALLOUT ── */
.policy-note {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: rgba(27,160,160,0.06);
  border-left: 3px solid var(--teal);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 16px 20px;
  margin-top: 20px;
  font-size: 0.88rem;
  color: var(--gray-600);
  line-height: 1.7;
}
.policy-note i {
  color: var(--teal);
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.policy-note--warning {
  background: rgba(201,160,110,0.08);
  border-left-color: var(--gold);
}
.policy-note--warning i { color: var(--gold-dark); }

/* ── HINDI SECTION ── */
.hindi-section {
  background: linear-gradient(135deg, #fff9f0 0%, #fffdf8 100%);
  border-left: 4px solid var(--gold);
}
.hindi-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: rgba(201,169,110,0.12);
  padding: 5px 14px;
  border-radius: 30px;
  margin-bottom: 14px;
}
.hindi-list li { color: var(--gray-600); }
.hindi-list li i { color: var(--gold-dark); font-size: 1.4rem; margin-top: -2px; }

/* ── FEE BREAKDOWN CARD ── */
.fee-breakdown-card {
  background: var(--navy-dark);
  border-radius: var(--radius-lg);
  padding: 32px 36px;
  margin-bottom: 40px;
  color: var(--white);
}
.fee-breakdown-title {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 28px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.fee-breakdown-grid {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.fee-item {
  flex: 1;
  min-width: 120px;
  text-align: center;
  padding: 20px 16px;
  border-radius: var(--radius-md);
}
.fee-total { background: rgba(255,255,255,0.08); }
.fee-refund { background: rgba(27,160,160,0.2); }
.fee-nonrefund { background: rgba(192,64,64,0.2); }
.fee-amount {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.fee-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
}
.fee-refund .fee-amount { color: #6ee7b7; }
.fee-nonrefund .fee-amount { color: #fca5a5; }
.fee-divider {
  font-size: 1.2rem;
  color: rgba(255,255,255,0.25);
  flex-shrink: 0;
}

/* ── TIMELINE ── */
.timeline-steps {
  margin-top: 20px;
  padding-left: 8px;
}
.timeline-step {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding-bottom: 24px;
  position: relative;
}
.timeline-step::before {
  content: '';
  position: absolute;
  left: 9px;
  top: 22px;
  bottom: 0;
  width: 2px;
  background: var(--gray-200);
}
.timeline-step:last-child::before { display: none; }
.timeline-dot {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 2px;
  position: relative;
  z-index: 1;
}
.timeline-dot.teal { background: var(--teal); }
.timeline-dot.gold { background: var(--gold); }
.timeline-dot.navy { background: var(--navy); }
.timeline-content strong {
  display: block;
  font-size: 0.92rem;
  color: var(--navy-dark);
  font-weight: 600;
  margin-bottom: 3px;
}
.timeline-content span {
  font-size: 0.85rem;
  color: var(--gray-400);
}

/* ── NON-REFUND GRID ── */
.non-refund-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin-top: 20px;
}
.non-refund-item {
  background: #fff5f5;
  border: 1px solid #fee2e2;
  border-radius: var(--radius-md);
  padding: 24px 20px;
  text-align: center;
}
.non-refund-item i {
  font-size: 1.8rem;
  color: #c04040;
  margin-bottom: 12px;
  display: block;
}
.non-refund-item strong {
  display: block;
  font-size: 0.88rem;
  color: var(--navy-dark);
  margin-bottom: 8px;
  font-weight: 600;
}
.non-refund-item p {
  font-size: 0.8rem;
  color: var(--gray-400);
  margin: 0;
  line-height: 1.6;
}

/* ── PAYMENT MODEL CARD ── */
.payment-model-card {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-bottom: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
}
.payment-step {
  text-align: center;
  flex: 1;
  min-width: 150px;
}
.ps-icon {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  color: var(--gold);
  margin: 0 auto 12px;
  border: 1.5px solid rgba(201,169,110,0.3);
}
.ps-label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 6px;
}
.ps-amount {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 6px;
}
.ps-desc {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.5;
}
.ps-arrow {
  font-size: 1.4rem;
  color: rgba(255,255,255,0.2);
  flex-shrink: 0;
}

/* ── LIABILITY GRID ── */
.liability-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 14px;
  margin-top: 20px;
}
.liability-item {
  background: var(--cream-light);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.liability-item i {
  font-size: 1.2rem;
  color: var(--navy-light);
  flex-shrink: 0;
  margin-top: 1px;
}
.liability-item span {
  font-size: 0.87rem;
  color: var(--gray-600);
  line-height: 1.55;
}

/* ── CONTACT CARDS ── */
.contact-cards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 40px;
}
.contact-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  text-align: center;
  text-decoration: none;
  display: block;
  transition: all var(--transition-luxury);
  box-shadow: var(--shadow-card);
}
.contact-card:hover {
  transform: translateY(-6px);
  border-color: var(--teal);
  box-shadow: var(--shadow-hover);
}
.contact-card-icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: rgba(27,160,160,0.1);
  border: 2px solid rgba(27,160,160,0.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  color: var(--teal);
  margin: 0 auto 16px;
}
.contact-card-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 8px;
}
.contact-card-value {
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy-dark);
  margin-bottom: 8px;
  word-break: break-word;
}
.contact-card-note {
  font-size: 0.78rem;
  color: var(--gray-400);
}

/* ── QUICK LINKS ── */
.quick-links-grid {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 20px;
}
.quick-link-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  background: var(--cream-light);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  text-decoration: none;
  color: var(--navy-dark);
  font-size: 0.9rem;
  font-weight: 500;
  transition: all 0.2s ease;
}
.quick-link-item:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.quick-link-item i:first-child {
  color: var(--teal);
  font-size: 1rem;
}
.quick-link-item:hover i { color: rgba(255,255,255,0.7); }

/* ── DISCLAIMER SECTION ── */
.disclaimer-section {
  background: linear-gradient(135deg, #fff8f8 0%, #fffcfc 100%);
  border-left: 4px solid #c04040;
}
.disclaimer-icon {
  font-size: 2rem;
  color: #c04040;
  margin-bottom: 8px;
}
.disclaimer-box {
  background: rgba(192,64,64,0.06);
  border: 1px solid rgba(192,64,64,0.15);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin-top: 20px;
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.75;
}
.disclaimer-box strong {
  display: block;
  color: #c04040;
  margin-bottom: 8px;
  font-size: 0.95rem;
}

/* ── CONTACT CTA ── */
.policy-contact-cta {
  text-align: center;
  padding: 40px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1.5px dashed var(--gray-200);
  margin-top: 8px;
}
.policy-contact-cta p {
  font-size: 0.9rem;
  color: var(--gray-400);
  margin-bottom: 14px;
}
.policy-contact-cta a {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--navy);
  color: var(--gold);
  padding: 12px 28px;
  border-radius: 40px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-decoration: none;
  transition: all var(--transition-luxury);
}
.policy-contact-cta a:hover {
  background: var(--teal);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-teal);
}

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
  .policy-hero { padding: 130px 0 60px; }
  .policy-section { padding: 24px 22px; }
  .fee-breakdown-grid { flex-direction: column; }
  .fee-divider { transform: rotate(90deg); align-self: center; }
  .payment-model-card { flex-direction: column; }
  .ps-arrow { transform: rotate(90deg); }
  .contact-cards-grid { grid-template-columns: 1fr; }
  .policy-toc { gap: 6px; }
}