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

/* BODY */
body {
    font-family: 'Poppins', sans-serif;
    background: #f5f7fa;
    color: #333;
}

/* CONTAINER */
.container {
    width: 90%;
    max-width: 1100px;
    margin: auto;
}

/* HERO */
.hero {
    background: url('https://images.unsplash.com/photo-1586528116311-ad8dd3c8310d') no-repeat center/cover;
    height: 300px;
    position: relative;
}

.hero-overlay {
    background: rgba(0, 0, 0, 0.65);
    height: 100%;
    display: flex;
    align-items: center;
    text-align: center;
}

.hero h1 {
    color: #fff;
    font-size: 36px;
}

.hero p {
    color: #ddd;
    margin-top: 10px;
}

/* POLICY SECTION */
.policy {
    margin-top: -60px;
    padding-bottom: 40px;
}

/* CARD */
.card {
    background: #fff;
    padding: 25px;
    margin-bottom: 20px;
    border-radius: 12px;
    box-shadow: 0 8px 20px rgba(0,0,0,0.08);
    transition: 0.3s;
}

.card:hover {
    transform: translateY(-5px);
}

/* HEADINGS */
h2 {
    color: #1e3a5f;
    margin-bottom: 10px;
}

/* LIST */
ul {
    margin-top: 10px;
    padding-left: 20px;
}

ul li {
    margin-bottom: 8px;
}

/* INTRO */
.intro {
    font-size: 16px;
}

/* BUTTON */
.btn {
    background: #007bff;
    color: white;
    border: none;
    padding: 10px 20px;
    border-radius: 6px;
    cursor: pointer;
    margin-top: 10px;
}

.btn:hover {
    background: #0056b3;
}

/* FOOTER */
footer {
    text-align: center;
    padding: 20px;
    background: #1e3a5f;
    color: #fff;
}

/* RESPONSIVE */
@media (max-width: 768px) {
    .hero {
        height: 220px;
    }

    .hero h1 {
        font-size: 26px;
    }

    .card {
        padding: 20px;
    }
}