/* ===== Hero base (height + overlay support) ===== */
.ret-hero {
  position: relative;
  padding: 56px 16px;      /* فاصله عمودی تا متن دیده شود */
  color: #fff;
  background-color: #0b3a6f; /* fallback اگر تصویر لود نشد */
  min-height: 260px;       /* ارتفاع حداقل برای نمایش بک‌گراند */
}
.ret-hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(6,22,38,.35), rgba(6,22,38,.55));
  pointer-events: none;
}
.ret-hero .container { position: relative; z-index: 1; }

/* تصویر پس‌زمینه */
.ret-hero--image {
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
}
.ret-hero--image .subtitle { max-width: 800px; margin: 0 auto 24px; }

/* ===== Steps ===== */
.ret-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin: 16px auto 10px;
  max-width: 1100px;
}
.ret-step {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 10px;
  padding: 14px;
  color: #eaf2ff;
  backdrop-filter: blur(2px);
}
.ret-step__num {
  font-weight: 700;
  letter-spacing: .4px;
  opacity: .9;
  margin-bottom: 6px;
}
.ret-step h3 {
  margin: 0 0 6px;
  font-size: 18px;
  color: #fff;
}
.ret-step p {
  margin: 0;
  font-size: 14px;
  line-height: 1.5;
  color: #e1ecff;
}

/* ===== CTA buttons under steps ===== */
.ret-cta {
  margin-top: 16px;
  display: flex;
  gap: 10px;
  justify-content: center;
}
.btn.btn-outline {
  background: transparent;
  color: #fff;
  border: 1px solid #cfe3ff;
}
.btn.btn-outline:hover {
  background: rgba(255,255,255,0.1);
}

/* ===== Policy card / accordion ===== */
.ret-policy-card {
  background: #fff;
  border: 1px solid #e1e6f0;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(0,0,0,.04);
}
.ret-policy-card__header {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border-bottom: 1px solid #eef2f7;
}
.ret-policy-card__header h2 {
  margin: 0;
  font-size: 20px;
  font-weight: 700;
  color: #1a2a3a;
}
.ret-meta { margin-left: auto; font-size: 13px; color: #6b7c93; }
.ret-accord__toggle {
  border: 1px solid #cbd5e1;
  background: #fff;
  color: #0b3a6f;
  padding: 6px 10px;
  border-radius: 6px;
  cursor: pointer;
}
.ret-accord__toggle:hover { background: #f6f9ff; }

.ret-policy-card__body {
  padding: 16px;
  display: none;
}
.ret-policy-card__body.is-open {
  display: block;
}

/* متن کلی Policy */
.ret-policy-card__body {
  color: #1a1a1a;          /* متن اصلی پررنگ */
  font-size: 15px;
  line-height: 1.7;
}

/* پاراگراف‌ها */
.ret-policy-card__body p {
  margin: 0 0 12px;
  color: #2a2a2a;
}

/* لیست‌ها */
.ret-policy-card__body ul {
  margin: 0 0 12px 20px;
  padding: 0;
}
.ret-policy-card__body li {
  margin-bottom: 6px;
  color: #333;
}

/* هدینگ‌های داخل متن */
.ret-policy-card__body h2,
.ret-policy-card__body h3 {
  margin-top: 20px;
  margin-bottom: 8px;
  font-weight: 700;
  color: #004080;   /* آبی شرکتی */
}
.ret-policy-card__body h2 {
  font-size: 18px;
}
.ret-policy-card__body h3 {
  font-size: 16px;
}

/* تأکید (bold و italic) */
.ret-policy-card__body strong {
  color: #000;
}
.ret-policy-card__body em {
  color: #555;
  font-style: italic;
}

/* Help section */
.ret-help {
  background: #0d1a27;       /* پس‌زمینه تیره */
  color: #f2f6fa;            /* متن روشن */
  padding: 12px 16px;
  font-size: 14px;
  text-align: center;
  border-radius: 0 0 10px 10px; /* اگر کارت بالایی گرده */
}

.ret-help a {
  color: #4da6ff;            /* آبی روشن */
  font-weight: 500;
  text-decoration: underline;
}

.ret-help a:hover {
  color: #80c1ff;            /* آبی روشن‌تر در hover */
}

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .ret-steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .ret-steps { grid-template-columns: 1fr; }
  .ret-cta { flex-direction: column; }
}