/* Reading Progress Bar */
        .read-progress-bar {
            position: fixed;
            top: 0;
            left: 0;
            height: 3px;
            width: 0%;
            background: linear-gradient(90deg, #2d4791, #4a6abf, #6b8fd4);
            z-index: 9999;
            transition: width 0.08s linear;
            border-radius: 0 2px 2px 0;
        }

        * { margin: 0; padding: 0; box-sizing: border-box; }
        body { font-family: "Poppins", sans-serif; overflow-x: hidden; background: #f0f4fb; color: #1a1a2e; }

        /* ===== NAVBAR ===== */
        .navbar {
            position: fixed; top: 0; left: 0; right: 0; height: 64px; padding: 0 5%;
            display: flex; justify-content: space-between; align-items: center;
            background: #fff; z-index: 1000; border-bottom: 1px solid #e5e7eb;
            box-shadow: 0 1px 8px rgba(45,71,145,0.06);
            transition: top .4s, left .4s, right .4s, border-radius .4s, box-shadow .4s, background-color .4s, padding .4s, border-color .4s;
        }
        .logo img { width: 130px; height: 48px; object-fit: contain; }
        .nav-links { display: flex; gap: 36px; align-items: center; }
        .nav-links a { color: #374151; text-decoration: none; font-weight: 500; font-size: 14px; transition: color .2s; }
        .nav-links a:hover { color: #2d4791; }
        .nav-cta-group { display: flex; align-items: center; gap: 12px; }
        .cta-btn {
            font-family: "Poppins", sans-serif; padding: 8px 18px; background: #2d4791;
            border: 2px solid #2d4791; border-radius: 6px; color: #fff; font-weight: 600;
            font-size: 13px; cursor: pointer; transition: background .2s; text-decoration: none; white-space: nowrap;
        }
        .cta-btn:hover { background: #1e3370; border-color: #1e3370; }
        .cta-btn-outline {
            font-family: "Poppins", sans-serif; padding: 8px 18px; background: transparent;
            border: 2px solid #2d4791; border-radius: 6px; color: #2d4791; font-weight: 600;
            font-size: 13px; cursor: pointer; transition: background .2s; text-decoration: none; white-space: nowrap;
        }
        .cta-btn-outline:hover { background: #e8edf8; }
        .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 5px; z-index: 1001; }
        .hamburger span { width: 24px; height: 2.5px; background: #374151; border-radius: 2px; transition: all .3s; }
        .hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(7px,7px); }
        .hamburger.active span:nth-child(2) { opacity: 0; }
        .hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(6px,-6px); }

        /* ===== POLICY HEADER ===== */
        .policy-header {
            background: linear-gradient(135deg, #0f172a 0%, #1e3370 55%, #2d4791 100%);
            padding: 110px 5% 70px; text-align: center; position: relative; overflow: hidden;
        }
        .policy-header::before {
            content: ''; position: absolute; inset: 0;
            background-image: radial-gradient(circle, rgba(255,255,255,0.12) 1.5px, transparent 1.5px);
            background-size: 30px 30px; opacity: 0.6; pointer-events: none;
        }
        .policy-header::after {
            content: ''; position: absolute; top: -100px; right: -60px;
            width: 420px; height: 420px; border-radius: 50%;
            background: radial-gradient(circle, rgba(74,106,191,0.3) 0%, transparent 70%); pointer-events: none;
        }
        .policy-header h1, .policy-header p { position: relative; z-index: 1; }
        .policy-header h1 { font-size: 40px; font-weight: 800; color: #fff; margin-bottom: 14px; letter-spacing: -0.5px; }
        .policy-header p { font-size: 15px; color: rgba(255,255,255,0.7); max-width: 560px; margin: 0 auto; line-height: 1.7; }

        /* ===== TWO-COLUMN LAYOUT ===== */
        .policy-outer {
            display: flex;
            align-items: flex-start;
            max-width: 1200px;
            margin: 0 auto;
            padding: 56px 3% 80px;
            gap: 40px;
        }

        /* ===== SIDEBAR ===== */
        .policy-toc {
            width: 240px;
            flex-shrink: 0;
            position: sticky;
            top: 84px;
        }
        .toc-inner {
            background: #fff;
            border: 1px solid #e0e7f5;
            border-radius: 16px;
            padding: 22px 20px;
            box-shadow: 0 4px 20px rgba(45,71,145,0.08);
        }
        .toc-heading {
            display: flex; align-items: center; gap: 8px;
            font-size: 11px; font-weight: 700; letter-spacing: 0.1em;
            text-transform: uppercase; color: #2d4791;
            margin-bottom: 16px; padding-bottom: 12px;
            border-bottom: 2px solid #e8edf8;
        }
        .toc-list {
            list-style: none; display: flex; flex-direction: column; gap: 2px;
        }
        .toc-list li a {
            display: block; padding: 7px 10px;
            font-size: 12.5px; color: #6b7280; font-weight: 500;
            text-decoration: none; border-radius: 8px;
            transition: background .15s, color .15s;
            line-height: 1.4;
        }
        .toc-list li a:hover {
            background: #e8edf8; color: #2d4791;
        }
        .toc-list li a.active {
            background: #e8edf8; color: #2d4791; font-weight: 600;
        }

        /* ===== POLICY CONTENT ===== */
        .policy-container {
            flex: 1; min-width: 0;
            background: #fff; border-radius: 16px; padding: 32px 36px;
            border: 1px solid #e0e7f5;
        }

        .policy-content .policy-intro {
            font-size: 14.5px; line-height: 1.85; color: #4b5563;
            margin-bottom: 28px;
        }

        .policy-content h3 {
            font-size: 16px; font-weight: 700; color: #1e3370;
            margin-top: 32px; margin-bottom: 10px;
            padding-bottom: 10px;
            border-bottom: 1px solid #e0e7f5;
            scroll-margin-top: 84px;
        }

        .policy-content p {
            font-size: 14px; line-height: 1.85; color: #4b5563; margin-bottom: 12px;
        }

        .policy-content ul {
            margin: 6px 0 18px 0; list-style: disc; padding-left: 22px;
        }
        .policy-content ul li {
            font-size: 14px; line-height: 1.8; color: #4b5563; margin-bottom: 6px;
        }
        .policy-content strong { color: #1a1a2e; font-weight: 600; }
        .policy-content a { color: #2d4791; text-decoration: underline; }
        .policy-content a:hover { color: #1e3370; }

        /* ===== FOOTER ===== */
        .site-footer { background: #1a1a2e; padding: 60px 5% 30px; color: rgba(255,255,255,0.65); }
        .footer-columns { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; max-width: 1300px; margin: 0 auto 50px; }
        .footer-col-contact { max-width: none; }
        .footer-col h4 { color: #fff; font-size: 15px; font-weight: 600; margin-bottom: 16px; }
        .footer-col a { display: block; color: #6b7280; text-decoration: none; font-size: 14px; margin-bottom: 10px; transition: color .2s; }
        .footer-col a:hover { color: #fff; text-decoration: underline; }
        .footer-address { color: rgba(255,255,255,0.5); font-size: 13px; line-height: 1.7; margin-top: 8px; }
        .footer-social-row { display: flex; align-items: center; gap: 24px; max-width: 1300px; margin: 0 auto 32px; }
        .footer-divider-line { flex: 1; height: 1px; background: rgba(255,255,255,0.15); }
        .footer-social-icons { display: flex; gap: 20px; align-items: center; }
        .footer-social-icons a { color: #6b7280; display: flex; align-items: center; pointer-events: none; cursor: default; }
        .footer-social-icons a:hover { color: #6b7280; }
        .footer-social-icons svg { width: 22px; height: 22px; }
        .footer-logo-row { text-align: center; margin-bottom: 16px; }
        .footer-logo-row img { height: 40px; object-fit: contain; filter: brightness(0) invert(1) brightness(0.45); }
        .footer-copyright { text-align: center; font-size: 14px; color: rgba(255,255,255,0.5); margin-bottom: 20px; }
        .footer-bottom { display: flex; justify-content: center; align-items: center; gap: 12px; flex-wrap: wrap; }
        .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: underline; font-size: 14px; transition: color .2s; }
        .footer-bottom a:hover { color: #fff; }
        .footer-sep { color: rgba(255,255,255,0.25); font-size: 14px; }

        /* ===== RESPONSIVE ===== */
        @media (max-width: 767.98px) {
            .navbar { padding: 0 4%; height: 56px; }
            .logo img { width: 100px; height: 38px; }
            .hamburger { display: flex; }
            .nav-cta-group { display: none; }
            .nav-links {
                position: fixed; top: 56px; left: -100%;
                width: 100%; height: calc(100vh - 56px); background: #fff;
                flex-direction: column; gap: 0; padding: 16px;
                transition: left .3s; overflow-y: auto; box-shadow: none; align-items: stretch;
            }
            .nav-links.active { left: 0; box-shadow: 0 4px 20px rgba(0,0,0,0.1); }
            .nav-links a { padding: 12px 0; border-bottom: 1px solid #e5e7eb; font-size: 14px; }
            .policy-header { padding: 80px 4% 48px; }
            .policy-header h1 { font-size: 26px; }
            .policy-outer { flex-direction: column; padding: 28px 4% 60px; gap: 0; }
            .policy-toc { width: 100%; position: static; margin-bottom: 28px; }
            .toc-inner { padding: 16px; }
            .toc-list { flex-direction: row; flex-wrap: wrap; gap: 6px; }
            .toc-list li a { padding: 5px 10px; font-size: 11.5px; background: #f0f4fb; }
            .footer-columns { grid-template-columns: 1fr; gap: 32px; }
            .footer-bottom { flex-direction: column; }
        }
        @media (min-width: 768px) and (max-width: 991.98px) {
            .policy-toc { width: 200px; }
            .policy-outer { gap: 28px; }
            .nav-links { gap: 20px; }
        }
        @media (min-width: 576px) and (max-width: 767.98px) {
            .navbar { height: 64px; }
            .nav-links { top: 64px; height: calc(100vh - 64px); }
            .nav-links a { padding: 14px 0; }
            .policy-header { padding: 96px 4% 56px; }
            .policy-header h1 { font-size: 30px; }
        }
        @media (min-width: 1400px) {
            .navbar { padding: 0 8%; }
            .policy-header { padding: 130px 8% 80px; }
            .policy-header h1 { font-size: 46px; }
            .policy-outer { max-width: 1300px; padding: 64px 8% 100px; }
        }

        /* =========================================================
           RESPONSIVE TYPOGRAPHY — Bootstrap breakpoints (mobile-first)
           XS <576 · SM ≥576 · MD ≥768 · LG ≥992 · XL ≥1200 · XXL ≥1400
           ========================================================= */
        .policy-header h1 { font-size: 26px; }
        @media (min-width: 576px)  { .policy-header h1 { font-size: 30px; } }
        @media (min-width: 768px)  { .policy-header h1 { font-size: 36px; } }
        @media (min-width: 992px)  { .policy-header h1 { font-size: 40px; } }
        @media (min-width: 1200px) { .policy-header h1 { font-size: 44px; } }
        @media (min-width: 1400px) { .policy-header h1 { font-size: 46px; } }

@media (max-width: 991.98px) { .footer-sep { display: none; } .footer-divider-line { display: none; } }

@media (max-width: 991.98px) { .footer-bottom { flex-direction: column; gap: 8px; align-items: center; } }
/* Scroll to Top Button */
#scrollTopBtn {
    display: none;
    position: fixed;
    bottom: 32px;
    right: 32px;
    z-index: 9999;
    width: 46px;
    height: 46px;
    background: #fff;
    color: #2d4791;
    border: 2px solid #2d4791;
    border-radius: 50%;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: 0 4px 14px rgba(0,0,0,0.15);
    transition: background 0.3s, color 0.3s, transform 0.3s;
}
#scrollTopBtn:hover { background: #2d4791; color: #fff; transform: translateY(-4px); }