.kdc-policies-hero {
  background: linear-gradient(135deg, #12182c 0%, #19233f 55%, #1c2746 100%);
  padding: 56px 0 48px;
  color: #fff;
}

.kdc-policies-hero h1 {
  margin: 0 0 14px;
  font-size: 36px;
  font-weight: 800;
  line-height: 1.2;
}

.kdc-policies-hero p {
  max-width: 640px;
  margin: 0 0 28px;
  color: #c5cdd8;
  font-size: 16px;
  line-height: 1.65;
}

.kdc-policies-hero__stats {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.kdc-policies-hero__stats li {
  min-width: 120px;
  padding: 12px 16px;
  border: 1px solid rgba(224, 164, 90, 0.35);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.04);
}

.kdc-policies-hero__stats strong {
  display: block;
  color: #e0a45a;
  font-size: 22px;
  font-weight: 800;
}

.kdc-policies-hero__stats span {
  color: #b8c0ce;
  font-size: 13px;
}

.kdc-policies-list {
  background: #d4cfc6;
  padding: 48px 0 56px;
}

.kdc-policies-group {
  margin-bottom: 36px;
}

.kdc-policies-group h2 {
  margin: 0 0 16px;
  color: #19233f;
  font-size: 20px;
  font-weight: 800;
}

.kdc-policies-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.kdc-policies-card {
  display: block;
  min-height: 150px;
  padding: 18px 16px;
  border-radius: 12px;
  background: #19233f;
  color: #fff;
  text-decoration: none;
  transition: transform .15s ease, box-shadow .15s ease;
}

.kdc-policies-card:hover,
.kdc-policies-card:focus {
  color: #fff;
  text-decoration: none;
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(25, 35, 63, 0.28);
}

.kdc-policies-card__kicker {
  display: inline-block;
  margin-bottom: 8px;
  color: #e0a45a;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.kdc-policies-card strong {
  display: block;
  margin-bottom: 8px;
  font-size: 17px;
  font-weight: 800;
  line-height: 1.3;
}

.kdc-policies-card p {
  margin: 0;
  color: #d5dbe6;
  font-size: 14px;
  line-height: 1.45;
}

.kdc-policies-cta {
  background: #19233f;
  padding: 48px 0;
  color: #fff;
  text-align: center;
}

.kdc-policies-cta h2 {
  margin: 0 0 10px;
  font-size: 28px;
  font-weight: 800;
}

.kdc-policies-cta p {
  max-width: 560px;
  margin: 0 auto 20px;
  color: #c5cdd8;
}

.kdc-policies-cta__btn {
  display: inline-block;
  padding: 12px 24px;
  border-radius: 8px;
  background: #be7b2e;
  color: #fff !important;
  font-weight: 700;
  text-decoration: none;
}

.kdc-policies-cta__btn:hover {
  background: #a56824;
}

@media (max-width: 991px) {
  .kdc-policies-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .kdc-policies-hero h1 {
    font-size: 28px;
  }

  .kdc-policies-grid {
    grid-template-columns: 1fr;
  }
}