:root {
    --navy: #0f0f1a;
    --navy2: #1a1a2e;
    --navy3: #16213e;
    --purple: #2d2b55;
    --gold: #e8a020;
    --gold-light: #f0b84a;
    --gold-pale: rgba(232,160,32,0.12);
    --white: #ffffff;
    --gray: #a0a8b8;
    --border: rgba(232,160,32,0.2);
    --card-bg: rgba(255,255,255,0.04);
    --card-border: rgba(255,255,255,0.08);
  }

  * { margin: 0; padding: 0; box-sizing: border-box; }

  body {
    font-family: 'Hind', sans-serif;
    background: var(--navy);
    color: var(--white);
    line-height: 1.8;
  }

  /* HEADER */
  header {
    background: linear-gradient(135deg, #0a0a14 0%, #1a1a2e 50%, #2d2b55 100%);
    padding: 0;
    position: relative;
    overflow: hidden;
  }
  header::before {
    content: '';
    position: absolute;
    top: -80px; right: -80px;
    width: 400px; height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232,160,32,0.15) 0%, transparent 70%);
  }
  header::after {
    content: '';
    position: absolute;
    bottom: -60px; left: -60px;
    width: 300px; height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(100,80,200,0.15) 0%, transparent 70%);
  }
  .header-inner {
    max-width: 900px;
    margin: 0 auto;
    padding: 48px 24px 40px;
    position: relative;
    z-index: 1;
  }
  .brand {
    display: flex; align-items: center; gap: 12px;
    margin-bottom: 28px;
  }
  .brand-logo {
    width: 44px; height: 44px;
    background: var(--gold);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 22px; font-weight: 700;
    color: #fff;
  }
  .brand-name {
    font-family: 'Playfair Display', serif;
    font-size: 22px; font-weight: 700;
    color: #fff; letter-spacing: 2px;
  }
  .brand-name span { color: var(--gold); }
  .brand-sub {
    font-size: 11px; color: rgba(255,255,255,0.5);
    font-weight: 300; letter-spacing: 1px;
    text-transform: uppercase;
  }
  .header-inner h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(26px, 5vw, 40px);
    font-weight: 700;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 12px;
  }
  .header-inner h1 span { color: var(--gold); }
  .header-sub {
    font-size: 15px; color: rgba(255,255,255,0.6);
    font-weight: 300; margin-bottom: 24px;
  }
  .badges {
    display: flex; flex-wrap: wrap; gap: 10px;
  }
  .badge {
    background: rgba(232,160,32,0.1);
    border: 1px solid rgba(232,160,32,0.3);
    border-radius: 20px;
    padding: 5px 14px;
    font-size: 12px; color: var(--gold-light);
    font-weight: 500;
  }

  /* NAV TABS */
  .tab-nav {
    background: var(--navy2);
    border-bottom: 1px solid var(--border);
    position: sticky; top: 0; z-index: 100;
    box-shadow: 0 4px 20px rgba(0,0,0,0.4);
  }
  .tab-nav-inner {
    max-width: 900px; margin: 0 auto;
    display: flex;
  }
  .tab-btn {
    flex: 1; padding: 16px 20px;
    border: none; background: transparent;
    font-family: 'Hind', sans-serif;
    font-size: 15px; font-weight: 600;
    color: var(--gray); cursor: pointer;
    border-bottom: 3px solid transparent;
    transition: all 0.25s;
    display: flex; align-items: center; justify-content: center; gap: 8px;
  }
  .tab-btn.active {
    color: var(--gold);
    border-bottom-color: var(--gold);
    background: rgba(232,160,32,0.05);
  }
  .tab-btn:hover:not(.active) { background: rgba(255,255,255,0.03); color: #fff; }
  .tab-icon { font-size: 18px; }

  /* CONTENT */
  .content {
    max-width: 900px; margin: 0 auto;
    padding: 40px 24px 60px;
  }
  .policy-section { display: none; }
  .policy-section.active { display: block; }

  /* EFFECTIVE DATE */
  .effective-bar {
    background: rgba(232,160,32,0.08);
    border-left: 4px solid var(--gold);
    border-radius: 0 8px 8px 0;
    padding: 12px 18px;
    margin-bottom: 36px;
    font-size: 14px; color: var(--gold-light);
    font-weight: 600;
  }

  /* SECTION CARDS */
  .policy-card {
    background: var(--card-bg);
    border-radius: 16px;
    border: 1px solid var(--card-border);
    margin-bottom: 20px;
    overflow: hidden;
    box-shadow: 0 4px 24px rgba(0,0,0,0.3);
    transition: box-shadow 0.2s, border-color 0.2s;
  }
  .policy-card:hover {
    box-shadow: 0 8px 32px rgba(232,160,32,0.1);
    border-color: rgba(232,160,32,0.25);
  }
  .card-header {
    background: linear-gradient(90deg, rgba(232,160,32,0.06), transparent);
    padding: 18px 24px;
    display: flex; align-items: center; gap: 14px;
    border-bottom: 1px solid var(--card-border);
    cursor: pointer;
  }
  .card-icon {
    width: 42px; height: 42px;
    background: linear-gradient(135deg, var(--gold), #c87d10);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 20px; flex-shrink: 0;
  }
  .card-title {
    font-family: 'Playfair Display', serif;
    font-size: 18px; font-weight: 600;
    color: #fff; flex: 1;
  }
  .card-toggle {
    font-size: 20px; color: var(--gold);
    transition: transform 0.3s;
  }
  .card-body {
    padding: 20px 24px 24px;
    font-size: 15px; color: var(--gray);
    line-height: 1.9;
  }
  .card-body p { margin-bottom: 12px; }
  .card-body strong { color: rgba(255,255,255,0.9); }
  .card-body ul {
    padding-left: 20px;
    margin: 8px 0 12px;
  }
  .card-body ul li {
    margin-bottom: 8px;
    position: relative;
  }
  .card-body ul li::marker { color: var(--gold); }

  /* HIGHLIGHT BOX */
  .highlight-box {
    background: rgba(232,160,32,0.07);
    border: 1px solid rgba(232,160,32,0.2);
    border-radius: 12px;
    padding: 16px 20px;
    margin: 16px 0;
    font-size: 14px;
    color: rgba(255,255,255,0.75);
  }
  .highlight-box strong { color: var(--gold) !important; }

  /* REFUND TABLE */
  .refund-table {
    width: 100%; border-collapse: collapse;
    margin: 16px 0; font-size: 14px;
  }
  .refund-table th {
    background: linear-gradient(90deg, var(--gold), #c87d10);
    color: #fff; padding: 12px 16px;
    text-align: left; font-weight: 600;
  }
  .refund-table td {
    padding: 11px 16px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    color: var(--gray);
  }
  .refund-table tr:nth-child(even) td { background: rgba(255,255,255,0.02); }
  .refund-table tr:last-child td { border-bottom: none; }
  .tag-yes { color: #4ade80; font-weight: 600; }
  .tag-no { color: #f87171; font-weight: 600; }
  .tag-cond { color: var(--gold-light); font-weight: 600; }

  /* CONTACT CARD */
  .contact-card {
    background: linear-gradient(135deg, #1a1a2e, #2d2b55);
    border: 1px solid rgba(232,160,32,0.25);
    border-radius: 16px;
    padding: 28px;
    margin-top: 32px;
    color: #fff;
    display: flex; flex-wrap: wrap; gap: 20px;
    align-items: center; justify-content: space-between;
  }
  .contact-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 20px; margin-bottom: 6px;
  }
  .contact-card p { font-size: 14px; color: rgba(255,255,255,0.6); }
  .contact-btns { display: flex; gap: 12px; flex-wrap: wrap; }
  .btn-call {
    background: linear-gradient(135deg, var(--gold), #c87d10);
    color: #fff; border: none;
    padding: 12px 22px; border-radius: 8px;
    font-family: 'Hind', sans-serif;
    font-size: 14px; font-weight: 600;
    text-decoration: none; cursor: pointer;
    display: flex; align-items: center; gap: 6px;
  }
  .btn-wa {
    background: #25D366;
    color: #fff; border: none;
    padding: 12px 22px; border-radius: 8px;
    font-family: 'Hind', sans-serif;
    font-size: 14px; font-weight: 600;
    text-decoration: none; cursor: pointer;
    display: flex; align-items: center; gap: 6px;
  }

  /* FOOTER */
  footer {
    background: #080810;
    color: rgba(255,255,255,0.35);
    text-align: center;
    padding: 20px;
    font-size: 13px;
    border-top: 1px solid var(--border);
  }
  footer span { color: var(--gold); }

  @media (max-width: 600px) {
    .tab-btn { font-size: 13px; padding: 14px 10px; }
    .card-title { font-size: 16px; }
    .card-body { padding: 16px; font-size: 14px; }
    .refund-table { font-size: 12px; }
    .refund-table th, .refund-table td { padding: 9px 10px; }
  }