*{
  margin:0;
  padding:0;
  box-sizing:border-box;
}

body{
  font-family: Arial, sans-serif;
  background:#f8fafc;
  color:#1e293b;
  line-height:1.7;
}

.regulatory-section{
  width:100%;
  padding:60px 20px;
}

.regulatory-container{
  max-width:1100px;
  margin:auto;
}

.regulatory-title{
  font-size:40px;
  font-weight:700;
  color:#0f172a;
  margin-bottom:40px;
  text-align:center;
}

.regulatory-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:30px;
}

.regulatory-card{
  background:#ffffff;
  padding:35px;
  border-radius:18px;
  box-shadow:0 4px 18px rgba(0,0,0,0.08);
  transition:0.3s ease;
}

.regulatory-card:hover{
  transform:translateY(-5px);
}

.regulatory-card h3{
  font-size:28px;
  color:#14532d;
  margin-bottom:20px;
}

.regulatory-card p{
  font-size:17px;
  margin-bottom:18px;
}

.regulatory-card ul{
  padding-left:20px;
  margin-bottom:20px;
}

.regulatory-card ul li{
  margin-bottom:10px;
  font-size:16px;
}

.regulatory-card a{
  display:inline-block;
  margin-top:10px;
  text-decoration:none;
  color:#2563eb;
  font-weight:600;
  word-break:break-word;
}

.regulatory-card a:hover{
  text-decoration:underline;
}

@media(max-width:992px){

  .regulatory-title{
    font-size:34px;
  }

  .regulatory-grid{
    grid-template-columns:1fr;
  }

  .regulatory-card{
    padding:30px;
  }

  .regulatory-card h3{
    font-size:24px;
  }
}

@media(max-width:600px){

  .regulatory-section{
    padding:45px 15px;
  }

  .regulatory-title{
    font-size:28px;
    margin-bottom:30px;
  }

  .regulatory-card{
    padding:22px;
    border-radius:14px;
  }

  .regulatory-card h3{
    font-size:21px;
    line-height:1.4;
  }

  .regulatory-card p,
  .regulatory-card ul li,
  .regulatory-card a{
    font-size:15px;
  }
}
.liability-section{
  display:flex;
  align-items:center;
  background-color:#ffffff;
  gap:40px;
  border-radius:20px;
  padding:20px ;
  box-shadow:0 10px 30px rgba(0,0,0,0.08);
  margin:40px 80px;
  overflow:hidden;
}
.liability-image{
  flex:1;
}
.liability-image img{
  width:100%;
  height:auto;
  display:block;
  border-radius:16px;
  object-fit:cover;
}

.liability-content{
  flex:1;
}

.liability-content h2{
  font-size:38px;
  line-height:1.2;
  margin-bottom:20px;
  color:#1E3A5F;
  font-weight:700;
}

.liability-content p{
  font-size:17px;
  line-height:1.8;
  color:#4b5563;
  margin-bottom:20px;
}

.liability-content ul{
  margin:0;
  padding:0;
  list-style:none;
}

.liability-content ul li{
  position:relative;
  padding-left:30px;
  margin-bottom:16px;
  font-size:16px;
  line-height:1.7;
  color:#374151;
}

.liability-content ul li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:0;
  color:#2E8B57;
  font-weight:700;
}

/* Tablet */
@media(max-width:991px){

  .liability-section{
    flex-direction:column;
    padding:30px;
  }

  .liability-content h2{
    font-size:32px;
  }

}
@media(max-width:767px){

  .liability-section{
    padding:20px;
    gap:25px;
    border-radius:14px;
  }

  .liability-content h2{
    font-size:26px;
  }

  .liability-content p{
    font-size:15px;
    line-height:1.7;
  }

  .liability-content ul li{
    font-size:15px;
    padding-left:26px;
  }

}
.external-factor-section{
  background:#ffffff;
  padding:50px;
  border-radius:24px;
  box-shadow:0 10px 30px rgba(0,0,0,0.06);
  margin:50px 0;
}

.factor-tag{
  display:inline-block;
  background:#e8f5ee;
  color:#2E8B57;
  padding:8px 18px;
  border-radius:40px;
  font-size:14px;
  font-weight:600;
  margin-bottom:18px;
}

.external-factor-section h2{
  font-size:40px;
  line-height:1.2;
  color:#1E3A5F;
  margin-bottom:20px;
  font-weight:700;
}

.factor-text{
  font-size:17px;
  line-height:1.8;
  color:#4b5563;
  margin-bottom:35px;
  max-width:850px;
}

.factor-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}

.factor-card{
  background:#f8fafc;
  padding:28px;
  border-radius:18px;
  transition:0.3s ease;
  border:1px solid rgba(0,0,0,0.05);
}

.factor-card:hover{
  transform:translateY(-5px);
}

.factor-number{
  width:52px;
  height:52px;
  background:#2E8B57;
  color:#fff;
  border-radius:50%;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:16px;
  font-weight:700;
  margin-bottom:20px;
}

.factor-card h3{
  font-size:22px;
  color:#1E3A5F;
  margin-bottom:14px;
}

.factor-card p{
  font-size:15px;
  line-height:1.7;
  color:#4b5563;
  margin:0;
}

.note-box{
  margin-top:35px;
  background:#1E3A5F;
  color:#fff;
  padding:20px 24px;
  border-radius:16px;
  font-size:15px;
  line-height:1.7;
}

/* Tablet */
@media(max-width:991px){

  .external-factor-section{
    padding:35px;
  }

  .factor-grid{
    grid-template-columns:1fr;
  }

  .external-factor-section h2{
    font-size:32px;
  }

}

/* Mobile */
@media(max-width:767px){

  .external-factor-section{
    padding:22px;
    border-radius:16px;
  }

  .external-factor-section h2{
    font-size:26px;
  }

  .factor-text{
    font-size:15px;
    line-height:1.7;
  }

  .factor-card{
    padding:20px;
  }

  .factor-card h3{
    font-size:18px;
  }

  .factor-card p{
    font-size:14px;
  }

  .factor-number{
    width:42px;
    height:42px;
    font-size:14px;
  }

  .note-box{
    font-size:14px;
    padding:16px;
  }

}