:root {
  --navy:        #0a1628;
  --navy-2:      #0e1e38;
  --navy-3:      #162848;
  --gold:        #c9a84c;
  --gold-light:  #e8c97a;
  --gold-dim:    rgba(201,168,76,0.18);
  --white:       #ffffff;
  --off-white:   #f7f5ef;
  --text:        #1a2740;
  --muted:       #6b7a8d;
  --border:      #e0e6f0;
  --radius-sm:   8px;
  --radius-md:   12px;
  --sh-sm:       0 2px 12px rgba(10,22,40,0.08);
  --sh-md:       0 8px 32px rgba(10,22,40,0.14);
  --sh-gold:     0 6px 28px rgba(201,168,76,0.28);
}
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { font-family:'DM Sans',sans-serif; background:var(--off-white); color:var(--text); line-height:1.6; overflow-x:hidden; padding-top:112px; }
::-webkit-scrollbar { width:5px; }
::-webkit-scrollbar-track { background:var(--navy); }
::-webkit-scrollbar-thumb { background:var(--gold); border-radius:3px; }

/* ── NAVBAR ── */
.navbar-main { position:fixed; top:0; left:0; right:0; z-index:1000; background:var(--navy); box-shadow:0 3px 24px rgba(0,0,0,0.35); }
.navbar-top { display:flex; align-items:center; height:68px; padding:0 36px; gap:20px; border-bottom:1px solid rgba(201,168,76,0.15); }
.brand { display:flex; align-items:center; gap:11px; text-decoration:none; flex-shrink:0; }
.brand-icon { width:44px; height:44px; background:var(--gold); border-radius:10px; display:flex; align-items:center; justify-content:center; box-shadow:var(--sh-gold); flex-shrink:0; }
.brand-icon i { color:var(--navy); font-size:20px; }
.brand-name { font-family:'Playfair Display',serif; font-size:16px; font-weight:900; color:var(--white); letter-spacing:0.3px; white-space:nowrap; }
.brand-sub  { font-size:9.5px; color:var(--gold); font-weight:600; letter-spacing:1.2px; text-transform:uppercase; }
.search-wrap { flex:1; max-width:480px; margin:0 auto; }
.search-form { display:flex; background:rgba(255,255,255,0.07); border:1.5px solid rgba(201,168,76,0.25); border-radius:8px; overflow:hidden; transition:border-color .25s, box-shadow .25s; }
.search-form:focus-within { border-color:var(--gold); box-shadow:0 0 0 3px rgba(201,168,76,0.12); }
.search-form input { flex:1; border:none; outline:none; padding:10px 16px; font-size:13.5px; font-family:'DM Sans',sans-serif; background:transparent; color:var(--white); }
.search-form input::placeholder { color:rgba(255,255,255,0.38); }
.search-form button { background:var(--gold); border:none; padding:10px 18px; color:var(--navy); cursor:pointer; font-size:14px; font-weight:700; transition:background .2s; flex-shrink:0; }
.search-form button:hover { background:var(--gold-light); }
.nav-right { display:flex; align-items:center; gap:4px; flex-shrink:0; margin-left:auto; }
.nav-link { color:rgba(255,255,255,0.78); text-decoration:none; font-size:13px; font-weight:600; padding:7px 13px; border-radius:7px; transition:all .2s; white-space:nowrap; }
.nav-link:hover { background:var(--gold-dim); color:var(--gold); text-decoration:none; }
.nav-divider { width:1px; height:22px; background:rgba(255,255,255,0.12); margin:0 6px; }
.nav-icon-btn { position:relative; display:flex; align-items:center; gap:5px; color:rgba(255,255,255,0.82); text-decoration:none; font-size:13px; font-weight:600; padding:7px 12px; border-radius:7px; transition:all .2s; }
.nav-icon-btn:hover { background:var(--gold-dim); color:var(--gold); text-decoration:none; }
.nav-icon-btn i { font-size:16px; }
.nav-badge { position:absolute; top:1px; right:1px; background:var(--gold); color:var(--navy); border-radius:50%; width:16px; height:16px; font-size:9px; font-weight:800; display:flex; align-items:center; justify-content:center; }
.cat-bar { display:flex; align-items:stretch; padding:0 36px; background:var(--navy-2); overflow-x:auto; scrollbar-width:none; height:44px; }
.cat-bar::-webkit-scrollbar { display:none; }
.cat-link { display:flex; align-items:center; gap:6px; color:rgba(255,255,255,0.65); text-decoration:none; font-size:12.5px; font-weight:500; padding:0 16px; white-space:nowrap; border-bottom:2px solid transparent; transition:all .2s; }
.cat-link:hover,.cat-link.active { color:var(--gold); border-bottom-color:var(--gold); background:rgba(201,168,76,0.07); text-decoration:none; }

/* ── PAGE ── */
.page-container { max-width:1320px; margin:0 auto; padding:36px 24px; }

/* ── HERO ── */
.hero {
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-3) 100%);
  padding:80px 40px; text-align:center; position:relative; overflow:hidden;
}
.hero::before { content:''; position:absolute; top:-80px; right:-80px; width:300px; height:300px; border:1px solid rgba(201,168,76,0.08); border-radius:50%; }
.hero::after  { content:''; position:absolute; bottom:-60px; left:50%; transform:translateX(-50%); width:120px; height:120px; background:var(--gold); border-radius:50%; opacity:.05; }
.hero-eyebrow { font-size:11px; font-weight:700; letter-spacing:4px; text-transform:uppercase; color:var(--gold); margin-bottom:14px; }
.hero h1 { font-family:'Playfair Display',serif; font-size:50px; font-weight:900; color:var(--white); margin-bottom:16px; }
.hero p  { color:rgba(255,255,255,0.65); font-size:15px; max-width:560px; margin:0 auto; line-height:1.8; }
.gold-line { width:60px; height:3px; background:var(--gold); margin:18px auto; border-radius:2px; }

/* stat pills */
.hero-stats { display:flex; justify-content:center; gap:20px; flex-wrap:wrap; margin-top:28px; }
.hero-stat { background:rgba(201,168,76,0.12); border:1px solid rgba(201,168,76,0.3); border-radius:10px; padding:12px 24px; text-align:center; }
.hero-stat .num { font-family:'Playfair Display',serif; font-size:24px; font-weight:900; color:var(--gold); }
.hero-stat .lbl { font-size:11px; color:rgba(255,255,255,0.55); font-weight:600; letter-spacing:.5px; text-transform:uppercase; }

/* ── LAYOUT ── */
.policy-layout { display:grid; grid-template-columns:260px 1fr; gap:28px; margin-top:32px; align-items:start; }

/* TOC */
.toc-wrap { position:sticky; top:128px; background:var(--white); border-radius:var(--radius-md); overflow:hidden; box-shadow:var(--sh-sm); }
.toc-header { background:var(--navy); padding:16px 20px; border-bottom:3px solid var(--gold); }
.toc-header h3 { font-family:'Playfair Display',serif; font-size:15px; color:var(--white); font-weight:700; }
.toc-body { padding:12px 0; }
.toc-item { display:flex; align-items:center; gap:10px; padding:9px 20px; font-size:13px; font-weight:500; color:var(--muted); text-decoration:none; border-left:3px solid transparent; transition:all .2s; }
.toc-item:hover,.toc-item.active { color:var(--navy); background:rgba(201,168,76,0.07); border-left-color:var(--gold); text-decoration:none; }
.toc-num { font-size:10px; font-weight:800; color:var(--gold); background:rgba(201,168,76,0.12); border-radius:4px; padding:2px 6px; flex-shrink:0; }

/* ── CONTENT ── */
.policy-content { background:var(--white); border-radius:var(--radius-md); box-shadow:var(--sh-sm); overflow:hidden; }
.policy-content-inner { padding:36px 40px; }
.updated-badge { display:inline-flex; align-items:center; gap:7px; background:rgba(201,168,76,0.1); border:1px solid rgba(201,168,76,0.3); border-radius:6px; padding:7px 14px; font-size:12.5px; color:var(--gold); font-weight:600; margin-bottom:24px; }

/* SECTION */
.pol-section { margin-bottom:44px; }
.pol-section:last-child { margin-bottom:0; }
.section-heading { display:flex; align-items:center; gap:14px; margin-bottom:18px; padding-bottom:14px; border-bottom:2px solid var(--border); }
.section-num { background:var(--navy); color:var(--gold); font-family:'Playfair Display',serif; font-size:13px; font-weight:700; padding:5px 12px; border-radius:6px; flex-shrink:0; }
.section-heading h2 { font-family:'Playfair Display',serif; font-size:20px; font-weight:700; color:var(--navy); margin:0; }

.clause-list { list-style:none; padding:0; margin:0; }
.clause-list li { display:flex; gap:14px; align-items:flex-start; padding:11px 0; border-bottom:1px solid rgba(224,230,240,0.6); font-size:14.5px; color:var(--text); line-height:1.75; }
.clause-list li:last-child { border-bottom:none; }
.clause-dot { width:7px; height:7px; background:var(--gold); border-radius:50%; flex-shrink:0; margin-top:8px; }

/* REFUND TIMELINE CARDS */
.refund-timeline { display:flex; flex-direction:column; gap:12px; margin-top:6px; }
.refund-phase-label { font-size:11px; font-weight:800; letter-spacing:1px; text-transform:uppercase; color:var(--muted); margin:8px 0 4px; }
.refund-card {
  display:flex; align-items:center; gap:18px;
  border-radius:var(--radius-md); padding:18px 22px;
  border:1.5px solid var(--border); background:var(--off-white);
  transition:all .2s;
}
.refund-card:hover { border-color:var(--gold); background:#fff; box-shadow:var(--sh-sm); }
.rc-icon { width:46px; height:46px; border-radius:50%; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.rc-icon.green  { background:rgba(46,125,50,0.1);  border:2px solid #2e7d32; }
.rc-icon.orange { background:rgba(230,119,34,0.1); border:2px solid #e67722; }
.rc-icon.red    { background:rgba(229,57,53,0.1);  border:2px solid #e53935; }
.rc-icon.green  i { color:#2e7d32; }
.rc-icon.orange i { color:#e67722; }
.rc-icon.red    i { color:#e53935; }
.rc-icon i { font-size:18px; }
.rc-body { flex:1; }
.rc-title { font-size:14.5px; font-weight:700; color:var(--navy); margin-bottom:3px; }
.rc-desc  { font-size:13.5px; color:var(--muted); line-height:1.5; }
.rc-badge {
  font-family:'Playfair Display',serif; font-size:18px; font-weight:900;
  flex-shrink:0; padding:6px 14px; border-radius:8px;
}
.rc-badge.green  { color:#2e7d32; background:rgba(46,125,50,0.08); }
.rc-badge.orange { color:#e67722; background:rgba(230,119,34,0.08); }
.rc-badge.red    { color:#e53935; background:rgba(229,57,53,0.08); }

/* NO CANCEL BANNER */
.no-cancel-banner {
  background:linear-gradient(135deg,#1a0a0a,#2a1010);
  border:1px solid rgba(229,57,53,0.3); border-left:4px solid #e53935;
  border-radius:var(--radius-md); padding:18px 22px;
  display:flex; align-items:center; gap:16px; margin-top:8px;
}
.no-cancel-banner i { font-size:22px; color:#e53935; flex-shrink:0; }
.no-cancel-banner p { color:rgba(255,255,255,0.75); font-size:14px; line-height:1.6; margin:0; }
.no-cancel-banner strong { color:#ff6b6b; }

/* HOW TO CANCEL STEPS */
.cancel-steps { display:flex; flex-direction:column; gap:0; }
.cancel-step { display:flex; gap:18px; align-items:flex-start; padding:14px 0; position:relative; }
.cancel-step:not(:last-child)::after { content:''; position:absolute; left:19px; top:46px; width:2px; height:calc(100% - 14px); background:var(--border); }
.cs-icon { width:40px; height:40px; border-radius:50%; background:var(--navy); border:2px solid var(--gold); display:flex; align-items:center; justify-content:center; flex-shrink:0; z-index:1; }
.cs-icon i { font-size:16px; color:var(--gold); }
.cs-text h4 { font-size:14.5px; font-weight:700; color:var(--navy); margin-bottom:3px; }
.cs-text p  { font-size:13.5px; color:var(--muted); line-height:1.6; margin:0; }
.cs-text a  { color:var(--gold); font-weight:700; text-decoration:none; }
.cs-text a:hover { text-decoration:underline; }

/* REFUND POLICY TABLE */
.refund-table { width:100%; border-collapse:collapse; margin-top:6px; border-radius:var(--radius-sm); overflow:hidden; }
.refund-table thead tr { background:var(--navy); }
.refund-table thead th { padding:14px 20px; text-align:left; color:var(--gold); font-size:13px; font-weight:700; letter-spacing:.3px; }
.refund-table tbody tr { border-bottom:1px solid var(--border); transition:background .15s; }
.refund-table tbody tr:last-child { border-bottom:none; }
.refund-table tbody tr:hover { background:rgba(201,168,76,0.04); }
.refund-table td { padding:14px 20px; font-size:14px; color:var(--text); }
.tag { display:inline-flex; align-items:center; gap:5px; padding:3px 10px; border-radius:20px; font-size:12px; font-weight:700; }
.tag.yes  { background:rgba(46,125,50,0.1);  color:#2e7d32; }
.tag.no   { background:rgba(229,57,53,0.1);  color:#e53935; }
.tag.part { background:rgba(230,119,34,0.1); color:#e67722; }

/* IMPORTANT NOTES */
.notes-grid { display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-top:6px; }
.note-card {
  border-radius:var(--radius-md); padding:18px 20px;
  border:1.5px solid var(--border); background:var(--off-white);
  display:flex; gap:14px; align-items:flex-start; transition:all .2s;
}
.note-card:hover { border-color:var(--gold); background:#fff; }
.note-icon { width:36px; height:36px; border-radius:8px; background:rgba(201,168,76,0.1); border:1.5px solid rgba(201,168,76,0.3); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.note-icon i { font-size:15px; color:var(--gold); }
.note-card p { font-size:13.5px; color:var(--text); line-height:1.65; margin:0; }

/* SUPPORT BOX */
.support-box { background:var(--navy); border-radius:var(--radius-md); padding:28px 32px; margin-top:20px; border-left:4px solid var(--gold); display:flex; gap:24px; align-items:flex-start; flex-wrap:wrap; }
.support-item { display:flex; align-items:center; gap:12px; }
.support-item i { font-size:20px; color:var(--gold); }
.support-item .lbl { font-size:11px; font-weight:700; color:rgba(255,255,255,0.4); text-transform:uppercase; letter-spacing:.5px; }
.support-item .val { font-size:14.5px; font-weight:700; color:var(--white); margin-top:1px; }
.support-item a { color:var(--gold-light); text-decoration:none; }
.support-item a:hover { text-decoration:underline; }
.support-divider { width:1px; height:44px; background:rgba(255,255,255,0.1); flex-shrink:0; }

/* WhatsApp */
.whatsapp-float { position:fixed; right:20px; bottom:28px; background:#25D366; color:#fff; border-radius:50%; width:54px; height:54px; display:flex; align-items:center; justify-content:center; box-shadow:0 4px 20px rgba(37,211,102,0.4); z-index:900; text-decoration:none; transition:all .25s; font-size:25px; }
.whatsapp-float:hover { background:#1ebe57; transform:scale(1.1); color:#fff; text-decoration:none; }

/* ── FOOTER ── */
.footer { background:var(--navy); color:var(--white); padding:56px 40px 0; margin-top:60px; border-top:3px solid var(--gold); }
.footer-grid { max-width:1300px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1.6fr; gap:48px; }
.footer h4 { font-family:'Playfair Display',serif; font-size:13.5px; font-weight:700; letter-spacing:1px; margin-bottom:18px; color:var(--gold); text-transform:uppercase; }
.footer p,.footer a { color:rgba(255,255,255,0.6); font-size:13.5px; line-height:1.75; text-decoration:none; }
.footer a:hover { color:var(--gold); }
.footer ul { list-style:none; padding:0; }
.footer ul li { margin-bottom:9px; }
.footer ul li a { display:flex; align-items:center; gap:8px; color:rgba(255,255,255,0.6); font-size:13.5px; transition:color .2s; }
.footer ul li a:hover { color:var(--gold); }
.footer ul li a i { font-size:11px; color:var(--gold); }
.footer-contact p { display:flex; align-items:flex-start; gap:10px; margin-bottom:11px; }
.footer-contact i { margin-top:3px; color:var(--gold); flex-shrink:0; font-size:13px; }
.social-row { display:flex; gap:9px; margin-top:16px; }
.social-icon { width:36px; height:36px; background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.1); border-radius:8px; display:flex; align-items:center; justify-content:center; color:rgba(255,255,255,0.55); font-size:14px; transition:all .2s; text-decoration:none; }
.social-icon:hover { background:var(--gold); border-color:var(--gold); color:var(--navy); }
.footer-brand-p { margin-top:12px; font-size:13px; }
.footer-bottom-wrap { max-width:1300px; margin:32px auto 0; border-top:1px solid rgba(255,255,255,0.07); padding:22px 0; }
.footer-bottom { display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:12px; color:rgba(255,255,255,0.38); font-size:12.5px; }
.footer-logo-sm { display:flex; align-items:center; gap:8px; }
.footer-logo-sm i { color:var(--gold); font-size:18px; }
.footer-logo-sm span { font-family:'Playfair Display',serif; font-weight:700; font-size:15px; color:var(--white); }

/* PAYMENT STRIP */
.payment-strip { border-top:1px solid rgba(255,255,255,0.06); padding:18px 0; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:14px; }
.payment-strip .pay-label { font-size:11.5px; color:rgba(255,255,255,0.35); font-weight:600; letter-spacing:.5px; text-transform:uppercase; flex-shrink:0; }
.pay-icons { display:flex; align-items:center; gap:8px; flex-wrap:wrap; }
.pay-icon { background:rgba(255,255,255,0.07); border:1px solid rgba(255,255,255,0.12); border-radius:6px; padding:5px 10px; display:flex; align-items:center; gap:6px; transition:all .2s; }
.pay-icon:hover { background:rgba(255,255,255,0.12); border-color:rgba(201,168,76,0.3); }
.pay-icon span { font-size:11px; font-weight:700; }
.pay-visa    span { color:#1a6cef; }
.pay-mc      span { color:#eb001b; }
.pay-rupay   span { color:#006b3c; }
.pay-upi     span { color:#097939; }
.pay-paytm   span { color:#00baf2; }
.pay-gpay    span { color:#4285f4; }
.pay-phonepe span { color:#5f259f; }
.pay-netbank span { color:#c9a84c; }
.pay-cod     span { color:#e67e22; }

/* ── RESPONSIVE ── */
@media (max-width:1024px) {
  .policy-layout { grid-template-columns:1fr; }
  .toc-wrap { position:static; display:none; }
  .footer-grid { grid-template-columns:1fr 1fr; gap:36px; }
}
@media (max-width:900px) {
  .navbar-top { padding:0 20px; gap:14px; }
  .cat-bar { padding:0 20px; }
  .nav-link,.nav-divider { display:none; }
  .hero h1 { font-size:32px; }
  .policy-content-inner { padding:24px 20px; }
  .notes-grid { grid-template-columns:1fr; }
}
@media (max-width:768px) {
  body { padding-top:112px; }
  .footer-grid { grid-template-columns:1fr; gap:28px; }
  .footer { padding:40px 22px 0; }
  .payment-strip { flex-direction:column; align-items:flex-start; }
}

.help-section{
    margin:50px 0;
}

.help-card {
    display: flex;
    gap: 18px;
    background: #fff;
    padding: 18px;
    border-radius: 20px;
    box-shadow: 0 12px 35px rgba(0,0,0,0.15);
}

.help-box{
    flex:1;
    padding:40px;
}

/* Left Side */
.left-box{
    background:#0b2341;
    color:#fff;
    text-align:center;
}

.help-icon{
    width:75px;
    height:75px;
    margin:0 auto 20px;
    border-radius:50%;
    background:#d4af37;
    color:#0b2341;
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:30px;
}

.left-box h3{
    margin:0 0 12px;
    color:#d4af37;
    font-size:30px;
    font-weight:700;
}

.left-box p{
    margin:0;
    font-size:16px;
    line-height:1.8;
}

/* Right Side */
.right-box{
    background:#d4af37;
    color:#0b2341;
    text-align:center;
}

.phone-number{
    font-size:32px;
    font-weight:800;
    margin-bottom:15px;
}

.phone-number i{
    margin-right:10px;
}

.help-time{
    font-size:17px;
    line-height:1.8;
    font-weight:600;
}

/* Mobile Responsive */
@media (max-width:768px){

    .help-card{
        flex-direction:column;
    }

    .help-box{
        width:100%;
        padding:30px 20px;
    }

    .left-box h3{
        font-size:24px;
    }

    .phone-number{
        font-size:26px;
    }
}

.scroll-buttons{
    position:fixed;
    right:20px;
    bottom:95px;
    display:flex;
    flex-direction:column;
    gap:12px;
    z-index:999;
}

.scroll-buttons button{
    width:50px;
    height:50px;
    border:none;
    border-radius:50%;
    cursor:pointer;

    background:var(--gold);
    color:var(--navy);

    font-size:18px;

    box-shadow:0 6px 20px rgba(201,168,76,.35);

    transition:all .3s ease;
}

.scroll-buttons button:hover{
    background:var(--gold-light);
    transform:translateY(-3px);
}

#scrollTopBtn{
    display:none;
}