.hero {
  background: linear-gradient(135deg, rgba(26, 58, 108, 0.9) 0%, rgba(26, 58, 108, 0.7) 100%),
    url(../images/breadcum-img.jpg) center/cover no-repeat;
  color: white;
  padding: 140px 2rem 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" preserveAspectRatio="none"><path fill="rgba(255,255,255,0.05)" d="M0,0 L100,0 L100,100 L0,100 Z" /><path fill="none" stroke="rgba(255,255,255,0.1)" stroke-width="0.5" d="M0,50 Q25,25 50,50 T100,50" /></svg>');
  background-size: cover;
  opacity: 0.8;
}

.hero-content {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.hero h2 {
  font-size: 2rem;
  font-weight: 300;
  margin-bottom: 2rem;
  opacity: 0.9;
}

.hero p {
  font-size: 1.25rem;
  max-width: 800px;
  margin: 0 auto 3rem;
  opacity: 0.85;
}

.section-content {
  padding: 80px 0;
}

.money-policy .policy-container {
  background: white;
  border-radius: 15px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
  padding: 60px;
  margin-top: -50px;
  position: relative;
  z-index: 1;
}
.money-policy .policy-header {
  text-align: center;
  margin-bottom: 50px;
}
.money-policy .policy-header h2 {
  font-size: 2.5rem;
  color: var(--primary);
  margin-bottom: 15px;
}
.money-policy .policy-header p {
  color: #666;
  font-size: 1.1rem;
  max-width: 800px;
  margin: 0 auto;
}
.money-policy .policy-content {
  max-width: 900px;
  margin: 0 auto;
}
.money-policy .policy-section {
  margin-bottom: 40px;
}
.money-policy .policy-section h3 {
  font-size: 1.8rem;
  color: var(--primary);
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--light);
}
.money-policy .policy-section h4 {
  font-size: 1.3rem;
  color: var(--dark);
  margin: 25px 0 15px;
}
.money-policy .policy-section p {
  margin-bottom: 15px;
  color: #555;
  line-height: 1.8;
}
.money-policy .policy-section ul {
  margin-bottom: 20px;
  padding-left: 20px;
}
.money-policy .policy-section li {
  margin-bottom: 10px;
  color: #555;
  line-height: 1.8;
}
.money-policy .contact-info {
  background: var(--light);
  border-radius: 10px;
  padding: 30px;
  margin-top: 50px;
}
.money-policy .contact-info h4 {
  font-size: 1.3rem;
  color: var(--primary);
  margin-bottom: 20px;
}
.money-policy .contact-item {
  display: flex;
  margin-bottom: 15px;
}
.money-policy .contact-icon {
  width: 40px;
  height: 40px;
  background: rgba(0, 86, 179, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  margin-right: 15px;
  flex-shrink: 0;
}
.money-policy .contact-text {
  flex: 1;
}