diff --git a/src/app/admin/settings/page.tsx b/src/app/admin/settings/page.tsx
index 923d75c..d044580 100644
--- a/src/app/admin/settings/page.tsx
+++ b/src/app/admin/settings/page.tsx
@@ -350,68 +350,38 @@ const initialSettings: CompanySettings = {
     { id: 'SC-002', name: 'JAIBEN Service Center - Banani', address: 'Road 11, Banani, Dhaka', phone: '+8801712345671', rating: 4.5 },
   ],
   companyPolicy: {
-    investor: {
-      title: 'Investor Policy',
-      description: '<h2>Investor Guidelines</h2><p>Welcome to our investor program. This document outlines the terms and conditions for all investors participating in our EV fleet sharing initiative.</p><h3>Key Requirements</h3><ul><li>All investors must complete KYC verification</li><li>Minimum investment amount: ৳100,000</li><li>Monthly returns are calculated based on fleet utilization</li></ul><p><strong>Note:</strong> Past performance does not guarantee future results. Please read all terms carefully before investing.</p>',
-      rules: [
-        { name: 'No smoking in vehicles', description: 'Smoking is strictly prohibited inside any vehicle in the fleet' },
-        { name: 'Return with same fuel/charge level', description: 'Vehicles must be returned with the same fuel/charge level as when rented' },
-        { name: 'No unauthorized drivers', description: 'Only authorized drivers listed in the agreement are permitted to drive' },
-        { name: 'Follow traffic rules', description: 'All traffic laws and regulations must be followed' },
-        { name: 'Report accidents within 24 hours', description: 'Any accident must be reported within 24 hours of occurrence' }
-      ]
-    },
-    merchant: {
-      title: 'Merchant Policy',
-      description: '<h2>Merchant Terms & Conditions</h2><p>Thank you for joining our merchant network. These guidelines ensure smooth operations for all participating merchants.</p><h3>Operational Requirements</h3><ul><li>Maintain minimum inventory levels</li><li>Provide excellent customer service</li><li>Accept all payment methods offered</li><li>Process orders within 24 hours</li></ul><h3>Commission Structure</h3><p>Merchants receive <strong>15% commission</strong> on each completed delivery plus monthly bonuses for high performance.</p>',
-      rules: [
-        { name: 'No smoking in vehicles', description: 'Smoking is strictly prohibited inside any vehicle in the fleet' },
-        { name: 'Return with same fuel/charge level', description: 'Vehicles must be returned with the same fuel/charge level as when rented' },
-        { name: 'No unauthorized drivers', description: 'Only authorized drivers listed in the agreement are permitted to drive' },
-        { name: 'Follow traffic rules', description: 'All traffic laws and regulations must be followed' },
-        { name: 'Report accidents within 24 hours', description: 'Any accident must be reported within 24 hours of occurrence' }
-      ]
-    },
-    swapStation: {
-      title: 'Swap Station Policy',
-      description: '<h2>Swap Station Guidelines</h2><p>Welcome to our battery swap station network. Follow these safety and operational protocols for optimal service.</p><h3>Safety Protocols</h3><ul><li>Always wear protective gloves when handling batteries</li><li>Inspect batteries for damage before swapping</li><li>Keep swap station area clean and organized</li><li>Report any malfunctioning equipment immediately</li></ul><h3>Operating Hours</h3><p>Stations operate <strong>24/7</strong> for subscriber convenience. Emergency support available round the clock.</p>',
-      rules: [
-        { name: 'No smoking in vehicles', description: 'Smoking is strictly prohibited inside any vehicle in the fleet' },
-        { name: 'Return with same fuel/charge level', description: 'Vehicles must be returned with the same fuel/charge level as when rented' },
-        { name: 'No unauthorized drivers', description: 'Only authorized drivers listed in the agreement are permitted to drive' },
-        { name: 'Follow traffic rules', description: 'All traffic laws and regulations must be followed' },
-        { name: 'Report accidents within 24 hours', description: 'Any accident must be reported within 24 hours of occurrence' }
-      ]
-    },
-    rentalTypes: [
-      {
-        type: 'single', name: 'Rental (Single)', title: 'Rental (Single)', description: '<h2>Single Person Rental</h2><p>Perfect for individual riders who need a reliable vehicle for daily commute or delivery work.</p><h3>Plan Features</h3><ul><li>Daily, weekly, and monthly options available</li><li>Comprehensive insurance included</li><li>24/7 roadside assistance</li><li>Free maintenance during rental period</li></ul><h3>Pricing</h3><p>Starting from <strong>৳400/day</strong> with deposit of ৳5,000.</p>', rules: [
-          { name: 'No smoking in vehicles', description: 'Smoking is strictly prohibited inside any vehicle' },
-          { name: 'Return with same fuel/charge level', description: 'Vehicles must be returned with the same fuel/charge level' },
-          { name: 'No unauthorized drivers', description: 'Only the registered rider is permitted to drive' },
-          { name: 'Follow traffic rules', description: 'All traffic laws must be followed' },
-          { name: 'Report accidents within 24 hours', description: 'Any accident must be reported within 24 hours' }
-        ], enabled: true
-      },
-      {
-        type: 'shared', name: 'Rental (2 Person Shared)', title: 'Rental (2 Person Shared)', description: '<h2>Shared Rental Plan</h2><p>Ideal for companions or delivery partners who want to share riding costs and responsibilities.</p><h3>Plan Features</h3><ul><li>Split costs between two riders</li><li>Both users must be verified</li><li>Shared liability coverage</li><li>Flexible switch driver feature</li></ul><h3>Pricing</h3><p>Starting from <strong>৳600/day</strong> (৳300 each) with deposit of ৳8,000.</p>', rules: [
-          { name: 'No smoking in vehicles', description: 'Smoking is strictly prohibited inside any vehicle' },
-          { name: 'Return with same fuel/charge level', description: 'Vehicles must be returned with the same fuel/charge level' },
-          { name: 'No unauthorized drivers', description: 'Both registered riders are permitted to drive' },
-          { name: 'Follow traffic rules', description: 'All traffic laws must be followed' },
-          { name: 'Report accidents within 24 hours', description: 'Any accident must be reported within 24 hours' }
-        ], enabled: true
-      },
-      {
-        type: 'renttoown', name: 'Rent-to-Own', title: 'Rent-to-Own', description: '<h2>Rent-to-Own Plan</h2><p>Build ownership gradually with our rent-to-own program. After completing the tenure, own the EV outright.</p><h3>Program Benefits</h3><ul><li>50% of rental payments go toward purchase</li><li>Option to buyout anytime</li><li>Full ownership after 36 months</li><li>Transferable to family members</li></ul><h3>Requirements</h3><p>Good payment history required. Credit check applies.</p>', rules: [
-          { name: 'No smoking in vehicles', description: 'Smoking is strictly prohibited inside any vehicle' },
-          { name: 'Return with same fuel/charge level', description: 'Vehicles must be returned with the same fuel/charge level' },
-          { name: 'No unauthorized drivers', description: 'Only the registered rider is permitted to drive' },
-          { name: 'Follow traffic rules', description: 'All traffic laws must be followed' },
-          { name: 'Report accidents within 24 hours', description: 'Any accident must be reported within 24 hours' }
-        ], enabled: true
-      },
+    investor: [
+      { title: 'Investor Policy', description: '<h2>Investor Guidelines</h2><p>Welcome to our investor program. This document outlines the terms and conditions for all investors participating in our EV fleet sharing initiative.</p><h3>Key Requirements</h3><ul><li>All investors must complete KYC verification</li><li>Minimum investment amount: ৳100,000</li><li>Monthly returns are calculated based on fleet utilization</li></ul><p><strong>Note:</strong> Past performance does not guarantee future results. Please read all terms carefully before investing.</p>' },
+      { title: 'Investor Risk Policy', description: '<h2>Risk Disclosure</h2><p>All investments carry risk. Past performance does not guarantee future results.</p><h3>Risk Factors</h3><ul><li>Market fluctuations</li><li>Operational risks</li><li>Regulatory changes</li></ul>' },
+      { title: 'Investor Returns Policy', description: '<h2>Returns</h2><p>Returns depend on fleet performance and utilization.</p><h3>Return Calculation</h3><ul><li>Monthly returns: 2-5%</li><li>Quarterly settlements</li><li>Annual statements</li></ul>' }
     ],
+    merchant: [
+      { title: 'Merchant Policy', description: '<h2>Merchant Terms</h2><p>Thank you for joining our merchant network. These guidelines ensure smooth operations.</p><h3>Operational Requirements</h3><ul><li>Maintain minimum inventory levels</li><li>Provide excellent customer service</li><li>Accept all payment methods</li></ul>' },
+      { title: 'Merchant SLA Policy', description: '<h2>Service Level Agreement</h2><p>Orders must be processed within 24 hours.</p><h3>Response Time</h3><ul><li>Order confirmation: Within 2 hours</li><li>Delivery: Within 24 hours</li><li>Support: Within 4 hours</li></ul>' },
+      { title: 'Merchant Commission Policy', description: '<h2>Commission</h2><p>Merchants earn 15% commission per order.</p><h3>Commission Structure</h3><ul><li>Standard orders: 15%</li><li>Bulk orders: 18%</li><li>Premium merchants: 20%</li></ul>' }
+    ],
+    swapStation: [
+      { title: 'Swap Station Policy', description: '<h2>Swap Guidelines</h2><p>Follow safety protocols when handling batteries.</p><h3>General Guidelines</h3><ul><li>Wear protective gloves</li><li>Inspect batteries before swapping</li><li>Keep area clean</li></ul>' },
+      { title: 'Battery Safety Policy', description: '<h2>Battery Handling</h2><p>Use gloves and inspect batteries before and after swapping.</p><h3>Safety Measures</h3><ul><li>Check for physical damage</li><li>Verify charge level</li><li>Report malfunctions</li></ul>' },
+      { title: 'Maintenance Policy', description: '<h2>Maintenance</h2><p>Keep stations clean and operational at all times.</p><h3>Daily Tasks</h3><ul><li>Clean charging pads</li><li>Check cable conditions</li><li>Update system software</li></ul>' }
+    ],
+    rentalTypes: {
+      single: [
+        { title: 'Rental (Single)', description: '<h2>Single Rental</h2><p>Perfect for individual riders who need a reliable vehicle for daily commute or delivery work.</p><h3>Plan Features</h3><ul><li>Daily, weekly, and monthly options</li><li>Comprehensive insurance included</li><li>24/7 roadside assistance</li></ul>' },
+        { title: 'Single Rental Pricing', description: '<h2>Pricing</h2><p>Starts from ৳400/day with ৳5,000 deposit.</p><h3>Rates</h3><ul><li>Daily: ৳400</li><li>Weekly: ৳2,800</li><li>Monthly: ৳12,000</li></ul>' },
+        { title: 'Single Rental Benefits', description: '<h2>Benefits</h2><p>Includes maintenance, insurance, and support.</p><h3>Included</h3><ul><li>Free maintenance</li><li>Full insurance coverage</li><li>24/7 customer support</li></ul>' }
+      ],
+      shared: [
+        { title: 'Rental (2 Person Shared)', description: '<h2>Shared Plan</h2><p>Two riders share cost and responsibilities.</p><h3>Plan Features</h3><ul><li>Split costs between two riders</li><li>Both users must be verified</li><li>Shared liability coverage</li></ul>' },
+        { title: 'Shared Plan Benefits', description: '<h2>Benefits</h2><p>Split payment and flexible usage.</p><h3>Advantages</h3><ul><li>50% cost savings</li><li>Flexible driver switching</li><li>Shared deposit</li></ul>' },
+        { title: 'Shared Pricing', description: '<h2>Pricing</h2><p>৳600/day total (৳300 each).</p><h3>Rates</h3><ul><li>Daily: ৳600 (৳300 each)</li><li>Weekly: ৳4,200 (৳2,100 each)</li><li>Monthly: ৳16,800 (৳8,400 each)</li></ul>' }
+      ],
+      renttoown: [
+        { title: 'Rent-to-Own', description: '<h2>Ownership Plan</h2><p>Own vehicle after completing payment tenure.</p><h3>Program Benefits</h3><ul><li>50% payments go toward purchase</li><li>Option to buyout anytime</li><li>Full ownership after 36 months</li></ul>' },
+        { title: 'Eligibility', description: '<h2>Eligibility</h2><p>Requires good payment history.</p><h3>Requirements</h3><ul><li>Credit check applies</li><li>Stable income proof</li><li>Minimum 6 months tenure</li></ul>' },
+        { title: 'Ownership Benefits', description: '<h2>Benefits</h2><p>50% of payments go toward vehicle purchase.</p><h3>Advantages</h3><ul><li>Transferable to family</li><li>No hidden costs</li><li>Full warranty included</li></ul>' }
+      ]
+    },
   },
   rentalPolicy: {
     minAge: 18,