/* ==========================================================================
   SAAMBROS - Ultra-Premium 3D Animated Policy & Information Pages Stylesheet
   ========================================================================== */

/* Universal Box Sizing & Overflow Protection */
.policy-hero,
.policy-doc-layout,
.policy-doc-content,
.policy-sidebar-sticky,
.policy-article-card,
.card-3d,
.step-card-3d,
.calc-card-3d,
.copy-account-card,
.whatsapp-cta-3d,
.merchant-verified-banner-3d,
.comparison-card {
  box-sizing: border-box;
  max-width: 100%;
  min-width: 0;
}

/* ==========================================
   PAGE HERO BANNER (3D Depth Gradient)
   ========================================== */
.policy-hero {
  position: relative;
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 50%, #0f172a 100%);
  color: #ffffff;
  padding: 4.5rem 0 3.5rem 0;
  overflow: hidden;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  width: 100%;
}

.policy-hero::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255, 102, 0, 0.25) 0%, rgba(255, 102, 0, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
  animation: heroGlow 8s ease-in-out infinite alternate;
}

.policy-hero::after {
  content: '';
  position: absolute;
  bottom: -40%;
  right: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(37, 211, 102, 0.18) 0%, rgba(37, 211, 102, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
  animation: heroGlow 10s ease-in-out infinite alternate-reverse;
}

@keyframes heroGlow {
  0% { transform: scale(0.9) translate(0, 0); opacity: 0.7; }
  100% { transform: scale(1.15) translate(30px, -20px); opacity: 1; }
}

.policy-hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 840px;
  margin: 0 auto;
  width: 100%;
}

.policy-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 102, 0, 0.15);
  border: 1px solid rgba(255, 102, 0, 0.4);
  color: #ff944d;
  padding: 0.4rem 1.1rem;
  border-radius: 9999px;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
  backdrop-filter: blur(8px);
}

.policy-hero-title {
  font-size: 2.75rem;
  font-weight: 900;
  line-height: 1.15;
  color: #ffffff;
  margin-bottom: 1rem;
  letter-spacing: -0.5px;
}

.policy-hero-title span {
  background: linear-gradient(135deg, #FF6600, #ff9e4d);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.policy-hero-desc {
  font-size: 1.12rem;
  color: #94a3b8;
  line-height: 1.7;
  max-width: 720px;
  margin: 0 auto;
}

/* Breadcrumb */
.policy-breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-size: 0.85rem;
  color: #64748b;
  margin-bottom: 1.5rem;
}

.policy-breadcrumb a {
  color: #94a3b8;
  transition: color 0.2s;
}

.policy-breadcrumb a:hover {
  color: var(--primary-orange);
}

.policy-breadcrumb span {
  color: #e2e8f0;
  font-weight: 600;
}

/* ==========================================
   3D CARDS & CONTAINERS
   ========================================== */
.card-3d {
  background: #ffffff;
  border-radius: 20px;
  border: 1px solid rgba(226, 232, 240, 0.9);
  padding: 2.25rem;
  box-shadow: 0 10px 30px -5px rgba(15, 23, 42, 0.06), 0 0 0 1px rgba(15, 23, 42, 0.02);
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.35s cubic-bezier(0.16, 1, 0.3, 1), border-color 0.35s;
  position: relative;
  overflow: hidden;
  width: 100%;
}

.card-3d:hover {
  transform: translateY(-6px) scale(1.01);
  box-shadow: 0 20px 40px -10px rgba(15, 23, 42, 0.12), 0 0 25px rgba(255, 102, 0, 0.1);
  border-color: rgba(255, 102, 0, 0.3);
}

.card-3d::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #FF6600, #ff944d);
  opacity: 0;
  transition: opacity 0.3s;
}

.card-3d:hover::before {
  opacity: 1;
}

/* ==========================================
   TERMS & PRIVACY POLICY DOCUMENT LAYOUT
   ========================================== */
.policy-doc-layout {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 3rem;
  align-items: start;
  width: 100%;
  min-width: 0;
}

.policy-sidebar-sticky {
  position: sticky;
  top: 100px;
  background: #ffffff;
  border-radius: 18px;
  border: 1px solid var(--brand-border);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  width: 100%;
}

.sidebar-title {
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
  color: #94a3b8;
  letter-spacing: 0.6px;
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--brand-border);
}

.sidebar-nav-links {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  width: 100%;
}

.sidebar-link {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  padding: 0.6rem 0.85rem;
  border-radius: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--brand-slate);
  transition: all 0.2s;
}

.sidebar-link:hover, .sidebar-link.active {
  background: var(--primary-orange-light);
  color: var(--primary-orange);
  font-weight: 700;
  transform: translateX(4px);
}

.policy-doc-content {
  width: 100%;
  min-width: 0;
}

.policy-article-card {
  background: #ffffff;
  border: 1px solid var(--brand-border);
  border-radius: 20px;
  padding: 2.25rem;
  margin-bottom: 1.75rem;
  box-shadow: var(--shadow-sm);
  scroll-margin-top: 110px;
  width: 100%;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

.policy-article-card h2 {
  font-size: 1.45rem;
  font-weight: 900;
  color: var(--brand-navy);
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.policy-article-card h2 .clause-num {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--primary-orange-light);
  color: var(--primary-orange);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  font-weight: 900;
  flex-shrink: 0;
}

.policy-article-card p {
  font-size: 0.95rem;
  color: var(--brand-slate);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.policy-article-card ul {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin: 1rem 0;
}

.policy-article-card ul li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.95rem;
  color: var(--brand-slate);
  line-height: 1.6;
}

.policy-article-card ul li i {
  color: var(--primary-orange);
  margin-top: 0.25rem;
  font-size: 0.85rem;
  flex-shrink: 0;
}

/* ==========================================
   VERIFIED MERCHANT BANNER (SHIPPING PAGE)
   ========================================== */
.merchant-verified-banner-3d {
  margin-top: 2rem;
  background: #ffffff;
  border-radius: 20px;
  border: 1.5px solid var(--brand-border);
  padding: 1.75rem 2rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  width: 100%;
}

.merchant-verified-banner-3d:hover {
  border-color: #2563eb;
  box-shadow: 0 10px 25px -5px rgba(37, 99, 235, 0.15);
  transform: translateY(-2px);
}

.merchant-banner-icon {
  width: 55px;
  height: 55px;
  border-radius: 50%;
  background: #eff6ff;
  color: #2563eb;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.15);
}

.merchant-banner-text {
  flex: 1;
  min-width: 0;
}

.merchant-banner-text h4 {
  font-size: 1.15rem;
  font-weight: 900;
  color: var(--brand-navy);
  margin-bottom: 0.25rem;
}

.merchant-banner-text p {
  font-size: 0.9rem;
  color: var(--brand-slate);
  margin: 0;
  line-height: 1.6;
}

.merchant-banner-action {
  flex-shrink: 0;
}

/* ==========================================
   STEPPED TIMELINE & COMPARISON CARDS
   ========================================== */
.timeline-3d {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  width: 100%;
}

.step-card-3d {
  display: grid;
  grid-template-columns: 80px minmax(0, 1fr);
  gap: 1.75rem;
  background: #ffffff;
  border: 1px solid var(--brand-border);
  border-radius: 18px;
  padding: 1.75rem;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  width: 100%;
}

.step-card-3d:hover {
  transform: translateX(8px);
  border-color: var(--primary-orange);
  box-shadow: var(--shadow-lg);
}

.step-number-box {
  width: 72px;
  height: 72px;
  border-radius: 16px;
  background: linear-gradient(135deg, #FF6600, #e65c00);
  color: #ffffff;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  box-shadow: 0 10px 20px -5px rgba(255, 102, 0, 0.4);
  flex-shrink: 0;
}

.step-number-box .step-num {
  font-size: 1.5rem;
  line-height: 1;
}

.step-number-box .step-label {
  font-size: 0.65rem;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  opacity: 0.9;
}

.step-content-box {
  min-width: 0;
}

.step-content-box h4 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--brand-navy);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.step-content-box p {
  font-size: 0.95rem;
  color: var(--brand-slate);
  line-height: 1.7;
}

.step-tag-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.2rem 0.6rem;
  border-radius: 9999px;
  font-size: 0.75rem;
  font-weight: 700;
  background: #f1f5f9;
  color: #475569;
  margin-top: 0.75rem;
}

/* Grids */
.grid-3d-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.75rem;
  width: 100%;
}

.grid-3d-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.75rem;
  width: 100%;
}

.grid-3d-4 {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.25rem;
  width: 100%;
}

.icon-box-3d {
  width: 64px;
  height: 64px;
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  margin-bottom: 1.25rem;
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.card-3d:hover .icon-box-3d {
  transform: scale(1.1) rotate(5deg);
}

.icon-orange { background: linear-gradient(135deg, #fff3eb, #ffe4d1); color: var(--primary-orange); border: 1px solid rgba(255, 102, 0, 0.2); }
.icon-green { background: linear-gradient(135deg, #ecfdf5, #d1fae5); color: var(--success-green); border: 1px solid rgba(16, 185, 129, 0.2); }
.icon-blue { background: linear-gradient(135deg, #eff6ff, #dbeafe); color: #2563eb; border: 1px solid rgba(37, 99, 235, 0.2); }
.icon-purple { background: linear-gradient(135deg, #faf5ff, #f3e8ff); color: #9333ea; border: 1px solid rgba(147, 51, 234, 0.2); }
.icon-red { background: linear-gradient(135deg, #fef2f2, #fee2e2); color: var(--danger-red); border: 1px solid rgba(239, 68, 68, 0.2); }

/* Comparison Cards */
.comparison-card {
  border-radius: 18px;
  padding: 2rem;
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
  width: 100%;
}

.comparison-card.covered {
  background: linear-gradient(180deg, #f0fdf4 0%, #ffffff 100%);
  border: 1.5px solid #86efac;
}

.comparison-card.not-covered {
  background: linear-gradient(180deg, #fef2f2 0%, #ffffff 100%);
  border: 1.5px solid #fca5a5;
}

.comparison-list {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  margin-top: 1.25rem;
}

.comparison-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--brand-slate);
  line-height: 1.5;
}

.comparison-item i {
  font-size: 1.1rem;
  margin-top: 0.15rem;
  flex-shrink: 0;
}

.comparison-card.covered .comparison-item i { color: var(--success-green); }
.comparison-card.not-covered .comparison-item i { color: var(--danger-red); }

/* Tabs */
.tabs-3d-nav {
  display: flex;
  gap: 0.75rem;
  background: #f1f5f9;
  padding: 0.5rem;
  border-radius: 14px;
  margin-bottom: 2rem;
  border: 1px solid var(--brand-border);
  width: 100%;
}

.tab-3d-btn {
  flex: 1;
  padding: 0.85rem 1.25rem;
  border-radius: 10px;
  font-weight: 800;
  font-size: 0.95rem;
  color: var(--brand-muted);
  background: transparent;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  transition: all 0.25s ease;
  border: none;
  cursor: pointer;
}

.tab-3d-btn.active {
  background: #ffffff;
  color: var(--brand-navy);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
}

.tab-3d-content {
  display: none;
  animation: fadeIn 0.35s ease;
}

.tab-3d-content.active {
  display: block;
}

/* Calculator Card */
.calc-card-3d {
  background: linear-gradient(135deg, #0f172a, #1e293b);
  color: #ffffff;
  border-radius: 24px;
  padding: 2.5rem;
  box-shadow: 0 20px 45px -10px rgba(15, 23, 42, 0.4);
  border: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  overflow: hidden;
  width: 100%;
}

.calc-input-box {
  background: rgba(255, 255, 255, 0.08);
  border: 1.5px solid rgba(255, 255, 255, 0.2);
  border-radius: 14px;
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.calc-input-box input {
  background: transparent;
  color: #ffffff;
  font-size: 1.25rem;
  font-weight: 800;
  width: 100%;
}

.calc-result-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.25rem;
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.calc-res-item {
  background: rgba(255, 255, 255, 0.05);
  border-radius: 14px;
  padding: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
  text-align: center;
}

.calc-res-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  color: #94a3b8;
  font-weight: 700;
  margin-bottom: 0.35rem;
}

.calc-res-val {
  font-size: 1.4rem;
  font-weight: 900;
  color: #ffffff;
}

.calc-res-val.highlight { color: #ff944d; }
.calc-res-val.green { color: #34d399; }

/* Copy Account Card */
.copy-account-card {
  background: linear-gradient(135deg, #f0fdf4, #dcfce7);
  border: 2px solid #86efac;
  border-radius: 20px;
  padding: 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  box-shadow: 0 10px 25px -5px rgba(22, 101, 52, 0.12);
  width: 100%;
}

.copy-account-info {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.copy-account-info .ep-icon-circle {
  width: 60px;
  height: 60px;
  background: #00A651;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  box-shadow: 0 8px 16px rgba(0, 166, 81, 0.35);
  flex-shrink: 0;
}

.copy-account-details h3 {
  font-size: 1.5rem;
  font-weight: 900;
  color: #14532d;
  letter-spacing: 0.5px;
  margin-bottom: 0.2rem;
}

.copy-account-details p {
  font-size: 0.95rem;
  color: #166534;
  font-weight: 600;
}

/* FAQ Accordion */
.faq-search-box {
  position: relative;
  max-width: 640px;
  margin: 0 auto 2.5rem auto;
  width: 100%;
}

.faq-search-input {
  width: 100%;
  background: #ffffff;
  border: 2px solid var(--brand-border);
  border-radius: 16px;
  padding: 1.15rem 1.5rem 1.15rem 3.5rem;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--brand-navy);
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.05);
}

.faq-search-icon {
  position: absolute;
  left: 1.35rem;
  top: 50%;
  transform: translateY(-50%);
  color: #94a3b8;
  font-size: 1.25rem;
}

.faq-pills {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 2.5rem;
}

.faq-pill-btn {
  padding: 0.55rem 1.15rem;
  border-radius: 9999px;
  border: 1.5px solid var(--brand-border);
  background: #ffffff;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--brand-slate);
  cursor: pointer;
  transition: all 0.2s ease;
}

.faq-pill-btn:hover, .faq-pill-btn.active {
  background: var(--primary-orange);
  border-color: var(--primary-orange);
  color: #ffffff;
  box-shadow: 0 6px 15px -3px rgba(255, 102, 0, 0.35);
}

.faq-accordion-group {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 880px;
  margin: 0 auto;
  width: 100%;
}

.faq-item-3d {
  background: #ffffff;
  border: 1px solid var(--brand-border);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  width: 100%;
}

.faq-question-btn {
  width: 100%;
  background: transparent;
  padding: 1.35rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  text-align: left;
  font-size: 1.08rem;
  font-weight: 800;
  color: var(--brand-navy);
  cursor: pointer;
}

.faq-question-btn i.arrow {
  color: #94a3b8;
  font-size: 1rem;
  transition: transform 0.3s ease, color 0.3s;
  flex-shrink: 0;
}

.faq-item-3d.active .faq-question-btn i.arrow {
  transform: rotate(180deg);
  color: var(--primary-orange);
}

.faq-answer-box {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1), padding 0.35s ease;
  padding: 0 1.75rem;
  color: var(--brand-slate);
  font-size: 0.95rem;
  line-height: 1.75;
}

.faq-item-3d.active .faq-answer-box {
  padding: 0 1.75rem 1.5rem 1.75rem;
  max-height: 500px;
}

/* WhatsApp Banner */
.whatsapp-cta-3d {
  background: linear-gradient(135deg, #128C7E, #25D366);
  color: #ffffff;
  border-radius: 24px;
  padding: 2.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  box-shadow: 0 20px 40px -10px rgba(37, 211, 102, 0.4);
  position: relative;
  overflow: hidden;
  margin-top: 3.5rem;
  width: 100%;
}

.whatsapp-cta-content {
  min-width: 0;
}

.whatsapp-cta-content h3 {
  font-size: 1.8rem;
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 0.5rem;
}

.whatsapp-cta-content p {
  font-size: 1.05rem;
  opacity: 0.95;
  line-height: 1.6;
  max-width: 600px;
}

.btn-whatsapp-white {
  background: #ffffff;
  color: #128C7E;
  font-weight: 800;
  font-size: 1rem;
  padding: 0.85rem 1.85rem;
  border-radius: 9999px;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.15);
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  white-space: nowrap;
  transition: all 0.25s ease;
  flex-shrink: 0;
}

.btn-whatsapp-white:hover {
  transform: translateY(-3px) scale(1.03);
  box-shadow: 0 15px 30px rgba(0, 0, 0, 0.25);
  color: #075E54;
}

/* ==========================================================================
   RESPONSIVE DESIGN (TABLET & MOBILE OPTIMIZATIONS)
   ========================================================================== */
@media (max-width: 1024px) {
  .policy-doc-layout {
    grid-template-columns: minmax(0, 1fr);
    gap: 1.25rem;
    width: 100%;
  }

  .policy-sidebar-sticky {
    position: sticky;
    top: 60px;
    z-index: 100;
    padding: 0.5rem 0.65rem;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(10px);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.08);
    border-radius: 12px;
    border: 1.5px solid var(--brand-border);
    margin-bottom: 1rem;
    width: 100%;
    max-width: 100%;
    overflow: hidden;
  }

  .sidebar-title {
    display: none;
  }

  .sidebar-nav-links {
    display: flex;
    flex-direction: row;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    white-space: nowrap;
    gap: 0.4rem;
    padding: 0.1rem 0;
    width: 100%;
    max-width: 100%;
    scrollbar-width: none;
  }

  .sidebar-nav-links::-webkit-scrollbar {
    display: none;
  }

  .sidebar-link {
    padding: 0.4rem 0.75rem;
    font-size: 0.78rem;
    border-radius: 9999px;
    border: 1px solid var(--brand-border);
    background: #f8fafc;
    flex-shrink: 0;
    white-space: nowrap;
  }

  .sidebar-link i {
    font-size: 0.72rem;
  }

  .sidebar-link:hover, .sidebar-link.active {
    transform: none;
    background: var(--primary-orange);
    color: #ffffff;
    border-color: var(--primary-orange);
  }

  .sidebar-support-box {
    display: none !important;
  }

  .grid-3d-3 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .grid-3d-4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 768px) {
  .policy-hero {
    padding: 2.25rem 0 1.75rem 0;
    width: 100%;
  }

  .policy-hero-title {
    font-size: 1.65rem;
    line-height: 1.25;
  }

  .policy-hero-desc {
    font-size: 0.88rem;
    line-height: 1.5;
  }

  .policy-badge {
    font-size: 0.72rem;
    padding: 0.3rem 0.75rem;
    margin-bottom: 0.85rem;
  }

  .policy-breadcrumb {
    margin-bottom: 1rem;
    font-size: 0.78rem;
  }

  .grid-3d-3, .grid-3d-2, .grid-3d-4 {
    grid-template-columns: minmax(0, 1fr);
    gap: 0.85rem;
    width: 100%;
  }

  .card-3d {
    padding: 1.25rem;
    border-radius: 16px;
  }

  /* Policy Articles on Mobile */
  .policy-article-card {
    padding: 1.25rem 1rem;
    border-radius: 14px;
    margin-bottom: 1rem;
    scroll-margin-top: 130px;
    width: 100%;
  }

  .policy-article-card h2 {
    font-size: 1.12rem;
    gap: 0.5rem;
    line-height: 1.35;
    margin-bottom: 0.65rem;
  }

  .policy-article-card h2 .clause-num {
    width: 26px;
    height: 26px;
    font-size: 0.82rem;
    border-radius: 7px;
  }

  .policy-article-card p {
    font-size: 0.88rem;
    line-height: 1.6;
    margin-bottom: 0.65rem;
  }

  .policy-article-card ul {
    gap: 0.45rem;
    margin: 0.65rem 0;
  }

  .policy-article-card ul li {
    font-size: 0.85rem;
    line-height: 1.45;
    gap: 0.45rem;
  }

  .policy-article-card ul li i {
    font-size: 0.72rem;
    margin-top: 0.2rem;
  }

  /* Verified Merchant Banner Mobile */
  .merchant-verified-banner-3d {
    flex-direction: column;
    text-align: center;
    padding: 1.35rem 1rem;
    gap: 0.85rem;
    border-radius: 16px;
    margin-top: 1.25rem;
  }

  .merchant-banner-icon {
    width: 46px;
    height: 46px;
    font-size: 1.3rem;
    margin: 0 auto;
  }

  .merchant-banner-text h4 {
    font-size: 1rem;
    margin-bottom: 0.25rem;
  }

  .merchant-banner-text p {
    font-size: 0.82rem;
    line-height: 1.5;
  }

  .merchant-banner-action {
    width: 100%;
  }

  .merchant-banner-action .btn {
    width: 100%;
    justify-content: center;
    padding: 0.6rem 1rem;
    font-size: 0.85rem;
  }

  .step-card-3d {
    grid-template-columns: minmax(0, 1fr);
    gap: 0.75rem;
    padding: 1.15rem;
    border-radius: 14px;
  }

  .step-number-box {
    width: 40px;
    height: 40px;
    border-radius: 10px;
  }

  .step-number-box .step-num {
    font-size: 1.05rem;
  }

  .step-number-box .step-label {
    display: none;
  }

  .step-content-box h4 {
    font-size: 1.05rem;
  }

  .step-content-box p {
    font-size: 0.86rem;
  }

  .calc-card-3d {
    padding: 1.25rem;
    border-radius: 16px;
  }

  .calc-result-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 0.65rem;
  }

  .calc-res-val {
    font-size: 1.2rem;
  }

  .copy-account-card {
    flex-direction: column;
    align-items: stretch;
    text-align: center;
    padding: 1.25rem;
    gap: 1rem;
    border-radius: 16px;
  }

  .copy-account-info {
    flex-direction: column;
    text-align: center;
    gap: 0.65rem;
  }

  .copy-account-info .ep-icon-circle {
    width: 48px;
    height: 48px;
    font-size: 1.35rem;
    margin: 0 auto;
  }

  .copy-account-details h3 {
    font-size: 1.25rem;
  }

  .whatsapp-cta-3d {
    flex-direction: column;
    text-align: center;
    padding: 1.35rem 1rem;
    align-items: stretch;
    border-radius: 16px;
    gap: 1rem;
    margin-top: 2rem;
  }

  .whatsapp-cta-content h3 {
    font-size: 1.3rem;
  }

  .whatsapp-cta-content p {
    font-size: 0.86rem;
  }

  .whatsapp-cta-3d .btn-whatsapp-white {
    justify-content: center;
    width: 100%;
  }

  .tabs-3d-nav {
    flex-direction: column;
    gap: 0.5rem;
  }

  .tab-3d-btn {
    font-size: 0.85rem;
    padding: 0.65rem 0.85rem;
  }

  .comparison-card {
    padding: 1.25rem;
  }
}