/* ===============================
   CREDIT TRANSFER POLICY – GLOBAL
================================ */

body {
    margin: 0;
    font-family: "Segoe UI", Arial, sans-serif;
    background: #f4f7fc;
    color: #333;
}

.ctp-container {
    max-width: 1100px;
    margin: 30px auto;
    padding: 0 16px;
}

/* ===============================
   HERO
================================ */

.ctp-hero {
    background: linear-gradient(135deg, #0b3c91, #1456c5);
    color: #fff;
    text-align: center;
    padding: 20px 8%;
    border-radius: 12px;
    margin-bottom: 20px;
    margin-top: 160px;
}


.ctp-hero h1 {
    font-size: 30px;
    margin-bottom: 6px;
    font-weight: 700;
}

.ctp-hero p {
    font-size: 14px;
    opacity: 0.95;
}

/* ===============================
   CARD
================================ */

.ctp-card {
    background: #ffffff;
    border-radius: 12px;
    padding: 18px 22px;
    margin-bottom: 20px;
    box-shadow: 0 8px 22px rgba(0,0,0,0.08);
}

.ctp-card h2 {
    font-size: 19px;
    color: #0b3c91;
    margin-bottom: 10px;
    border-bottom: 2px solid #0b3c91;
    padding-bottom: 5px;
}

.ctp-card p {
    font-size: 14px;
    line-height: 1.6;
}

/* ===============================
   LISTS
================================ */

.ctp-list {
    margin: 0;
    padding-left: 18px;
}

.ctp-list li {
    font-size: 14px;
    margin-bottom: 6px;
}

/* ===============================
   TAGS & STEPS
================================ */

.ctp-tags span,
.ctp-steps span {
    display: inline-block;
    background: #eef3ff;
    color: #0b3c91;
    padding: 6px 12px;
    border-radius: 20px;
    font-size: 13px;
    margin: 4px 6px 4px 0;
    font-weight: 500;
}

/* ===============================
   FEE
================================ */

.ctp-fee {
    font-size: 20px;
    font-weight: 700;
    color: #0b3c91;
}

.ctp-fee small {
    font-size: 13px;
    font-weight: normal;
    color: #555;
}

/* ===============================
   HIGHLIGHTS
================================ */

.highlight {
    background: #eef3ff;
    border-left: 5px solid #0b3c91;
}

.ctp-warning {
    margin-top: 10px;
    font-size: 14px;
    color: #b30000;
    font-weight: 600;
}

.ctp-note {
    font-size: 13px;
    font-style: italic;
    margin-top: 8px;
    color: #555;
}

/* ===============================
   RESPONSIVE
================================ */

@media (max-width: 768px) {
    .ctp-hero h1 {
        font-size: 26px;
    }

    .ctp-card h2 {
        font-size: 18px;
    }
}