.policy-site { background: var(--ivory); }
.policy-breadcrumb { display: flex; align-items: center; flex-wrap: wrap; gap: 9px; padding-block: 18px 17px; color: var(--muted); font-size: .78rem; }
.policy-breadcrumb a { color: var(--teal-deep); font-weight: 700; }
.policy-breadcrumb a:hover { color: var(--navy); }
.policy-hero { position: relative; isolation: isolate; overflow: hidden; background: var(--ivory); }
.policy-hero::before { content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none; background-image: linear-gradient(rgba(0,168,199,.06) 1px, transparent 1px), linear-gradient(90deg, rgba(0,168,199,.06) 1px, transparent 1px); background-size: 88px 88px; mask-image: linear-gradient(90deg, black, transparent 76%); }
.policy-hero-grid { min-height: 430px; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(340px, .78fr); align-items: center; gap: clamp(46px, 8vw, 116px); padding-block: 54px 66px; }
.policy-hero-copy { max-width: 690px; }
.policy-hero h1 { max-width: 700px; margin: 0 0 22px; color: var(--navy); font-size: clamp(3.5rem, 7.2vw, 6.2rem); font-weight: 700; letter-spacing: 0; word-spacing: .04em; line-height: .92; }
.policy-hero h1 em { color: #0067a3; font-style: normal; }
.policy-hero-lede { max-width: 610px; margin-bottom: 22px; color: var(--muted); font-size: 1.13rem; line-height: 1.5; }
.policy-meta { margin: 0; color: var(--teal-deep); font-size: .78rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.policy-hero-card { padding: 31px 33px 29px; border: 1px solid rgba(7,24,46,.44); border-top: 4px solid var(--gold); background: linear-gradient(145deg, rgba(7,24,46,.99), rgba(15,45,72,.96)); box-shadow: 12px 14px 0 rgba(196,155,50,.15), 0 22px 42px rgba(7,24,46,.14); color: white; }
.policy-hero-card-top { display: flex; align-items: center; justify-content: space-between; gap: 18px; color: var(--gold); font-size: .67rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
.policy-hero-card-top span:last-child { color: #8fdce0; }
.policy-hero-card h2 { max-width: 400px; margin: 54px 0 15px; color: white; font-size: clamp(2.2rem, 4.2vw, 3.7rem); font-weight: 700; letter-spacing: 0; word-spacing: .03em; line-height: .96; }
.policy-hero-card p { margin: 0 0 22px; color: #c1cede; }
.policy-facts { display: grid; gap: 0; margin: 0; padding: 0; list-style: none; }
.policy-facts li { display: flex; justify-content: space-between; gap: 20px; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.14); color: #d9e5e9; font-size: .9rem; }
.policy-facts li span { color: #8fdce0; font-size: .73rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.policy-body { background: var(--ivory-deep); }
.policy-layout { display: grid; grid-template-columns: minmax(190px, .3fr) minmax(0, 1fr); gap: clamp(40px, 8vw, 110px); align-items: start; }
.policy-toc { position: sticky; top: 108px; }
.policy-toc-label { margin: 0 0 14px; color: var(--teal-deep); font-size: .68rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
.policy-toc nav { display: grid; border-top: 1px solid var(--line); }
.policy-toc a { padding: 10px 0; border-bottom: 1px solid var(--line); color: var(--muted); font-size: .88rem; transition: color .2s ease, padding .2s ease; }
.policy-toc a:hover, .policy-toc a:focus-visible { padding-left: 6px; color: var(--navy); }
.policy-content { max-width: 770px; }
.policy-callout { margin-bottom: 38px; padding: 22px 24px; border-left: 4px solid var(--teal); background: rgba(223,246,245,.72); color: var(--ink); }
.policy-callout strong { display: block; margin-bottom: 4px; color: var(--navy); }
.policy-callout p { margin: 0; color: var(--muted); }
.policy-section { padding-block: 32px 35px; border-top: 1px solid var(--line); scroll-margin-top: 108px; }
.policy-section:first-of-type { padding-top: 0; border-top: 0; }
.policy-section h2 { display: flex; align-items: baseline; gap: 15px; margin: 0 0 17px; color: var(--navy); font-size: clamp(2rem, 3.6vw, 3.1rem); font-weight: 700; letter-spacing: 0; word-spacing: .02em; line-height: 1.02; }
.policy-section h2 span { color: var(--gold-ink); font-size: .72rem; font-weight: 800; letter-spacing: .13em; }
.policy-section h3 { margin: 24px 0 8px; color: var(--navy); font-size: 1.15rem; line-height: 1.04; }
.policy-section p { max-width: 700px; margin: 0 0 14px; color: var(--muted); }
.policy-section p:last-child { margin-bottom: 0; }
.policy-section ul { display: grid; gap: 8px; max-width: 700px; margin: 13px 0 14px; padding-left: 21px; color: var(--muted); }
.policy-section li::marker { color: var(--teal-deep); }
.policy-section a { color: var(--teal-deep); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.policy-review-note { margin-top: 24px; padding: 17px 19px; border: 1px solid rgba(196,155,50,.48); background: rgba(196,155,50,.08); color: #6f5714; font-size: .88rem; }
.policy-review-note strong { color: var(--navy); }
.policy-legal-links { background: var(--ivory); }
.policy-legal-links-inner { display: flex; align-items: end; justify-content: space-between; gap: 40px; }
.policy-legal-links h2 { max-width: 590px; margin: 0; color: var(--navy); font-size: clamp(2.5rem, 4.7vw, 4.35rem); font-weight: 700; letter-spacing: 0; word-spacing: .03em; line-height: .94; }
.policy-link-row { display: flex; flex-wrap: wrap; gap: 12px; }
.policy-link-row a { padding: 11px 15px; border: 1px solid var(--line); color: var(--teal-deep); font-size: .88rem; font-weight: 700; }
.policy-link-row a:hover, .policy-link-row a[aria-current="page"] { border-color: var(--teal-deep); background: var(--pale-aqua); color: var(--navy); }

@media (max-width: 900px) {
  .policy-hero-grid, .policy-layout { grid-template-columns: 1fr; gap: 44px; }
  .policy-hero-grid { padding-block: 48px 64px; }
  .policy-hero-card { max-width: 620px; }
  .policy-toc { position: static; }
  .policy-toc nav { grid-template-columns: repeat(2, 1fr); column-gap: 20px; }
  .policy-legal-links-inner { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 620px) {
  .policy-breadcrumb { padding-block: 15px; }
  .policy-hero-grid { padding-block: 45px 56px; }
.policy-hero h1 { font-size: clamp(3.3rem, 15.5vw, 5.2rem); }
  .policy-hero-lede { font-size: 1.05rem; }
  .policy-hero-card { padding: 27px 23px 24px; }
.policy-hero-card h2 { margin-top: 45px; font-size: clamp(2.4rem, 11.5vw, 3.75rem); }
  .policy-toc nav { grid-template-columns: 1fr; }
.policy-section h2 { gap: 11px; font-size: 2.3rem; }
  .policy-callout { padding: 19px 18px; }
.policy-legal-links h2 { font-size: clamp(2.7rem, 13.5vw, 4.15rem); }
  .policy-link-row { align-items: flex-start; flex-direction: column; }
}