.policy-page {
    background: #f6f8fb;
    color: #1f2937;
}

.policy-hero {
    background: linear-gradient(135deg, #10233f 0%, #163b63 52%, #0f766e 100%);
    color: #fff;
    padding: 74px 0 58px;
}

.policy-hero h1 {
    font-size: clamp(2.05rem, 5vw, 3.7rem);
    font-weight: 800;
    line-height: 1.08;
    letter-spacing: 0;
    margin-bottom: 1rem;
}

.policy-hero p {
    color: rgba(255, 255, 255, .88);
    max-width: 780px;
    margin-bottom: 0;
    font-size: 1.05rem;
}

.policy-eyebrow {
    display: inline-flex;
    align-items: center;
    padding: .45rem .8rem;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, .25);
    background: rgba(255, 255, 255, .12);
    color: #e8f7ff;
    font-size: .9rem;
    font-weight: 800;
    margin-bottom: 1rem;
}

.policy-shell {
    padding: 42px 0 72px;
}

.policy-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 330px;
    gap: 1.5rem;
    align-items: start;
}

.policy-panel,
.policy-side-card,
.policy-card,
.policy-contact-strip {
    background: #fff;
    border: 1px solid #e6edf5;
    border-radius: 8px;
    box-shadow: 0 18px 42px rgba(15, 35, 63, .08);
}

.policy-panel {
    padding: 1rem;
}

.policy-section {
    border: 1px solid #e6edf5;
    border-radius: 8px;
    background: #fff;
    padding: 1.15rem;
    margin-bottom: .9rem;
}

.policy-section:last-child {
    margin-bottom: 0;
}

.policy-section h2,
.policy-section h3 {
    color: #10233f;
    font-size: 1.08rem;
    font-weight: 800;
    margin-bottom: .75rem;
}

.policy-section p,
.policy-section li {
    color: #526173;
}

.policy-section ul,
.policy-section ol {
    margin-bottom: 0;
    padding-left: 1.2rem;
}

.policy-section li {
    margin-bottom: .5rem;
}

.policy-section li:last-child {
    margin-bottom: 0;
}

.policy-note {
    border-left: 4px solid #0f766e;
    background: #eefaf8;
    border-radius: 8px;
    color: #23445a;
    padding: 1rem;
    margin: 1rem 0;
}

.policy-warning {
    border-left-color: #b45309;
    background: #fff7ed;
    color: #7c2d12;
}

.policy-side-card {
    padding: 1.25rem;
    position: sticky;
    top: 110px;
}

.policy-side-card h2 {
    color: #10233f;
    font-size: 1.15rem;
    font-weight: 800;
    margin-bottom: .75rem;
}

.policy-side-list {
    display: grid;
    gap: .75rem;
    margin: 1rem 0;
}

.policy-side-item {
    display: flex;
    gap: .7rem;
    color: #526173;
}

.policy-side-item i {
    color: #0f766e;
    margin-top: .2rem;
}

.policy-actions {
    display: grid;
    gap: .65rem;
    margin-top: 1rem;
}

.policy-actions a,
.policy-link-button {
    min-height: 44px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: .45rem;
    font-weight: 800;
    text-align: center;
}

.policy-primary {
    background: #0f766e;
    color: #fff;
}

.policy-primary:hover {
    color: #fff;
    background: #0c5f59;
}

.policy-secondary {
    border: 1px solid #c8d6e5;
    color: #10233f;
    background: #fff;
}

.policy-secondary:hover {
    color: #10233f;
    border-color: #0f766e;
    background: #eefaf8;
}

.policy-summary-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.policy-card {
    padding: 1.2rem;
}

.policy-card h2,
.policy-card h3 {
    color: #10233f;
    font-size: 1rem;
    font-weight: 800;
    margin-bottom: .45rem;
}

.policy-card p {
    color: #526173;
    margin-bottom: 0;
}

.policy-card a {
    font-weight: 800;
}

.policy-pill-row {
    display: flex;
    flex-wrap: wrap;
    gap: .55rem;
    margin-top: 1rem;
}

.policy-pill {
    display: inline-flex;
    align-items: center;
    gap: .4rem;
    border: 1px solid #d9e4ef;
    border-radius: 999px;
    color: #10233f;
    background: #f8fbfd;
    font-size: .9rem;
    font-weight: 800;
    padding: .45rem .7rem;
}

.policy-contact-strip {
    margin-top: 1.25rem;
    padding: 1rem;
    color: #526173;
}

.policy-contact-strip a {
    font-weight: 800;
}

.policy-accordion details {
    border: 1px solid #e6edf5;
    border-radius: 8px;
    background: #fff;
    margin-bottom: .8rem;
    overflow: hidden;
}

.policy-accordion summary {
    cursor: pointer;
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 1.1rem;
    color: #10233f;
    font-weight: 800;
}

.policy-accordion summary::-webkit-details-marker {
    display: none;
}

.policy-accordion summary::after {
    content: "+";
    color: #0f766e;
    font-size: 1.25rem;
    font-weight: 800;
}

.policy-accordion details[open] summary::after {
    content: "-";
}

.policy-accordion .accordion-content {
    border-top: 1px solid #e6edf5;
    padding: 1rem 1.1rem 1.15rem;
    color: #526173;
}

.policy-table {
    width: 100%;
    border-collapse: collapse;
}

.policy-table-wrap {
    overflow-x: auto;
    border: 1px solid #e6edf5;
    border-radius: 8px;
}

.policy-table th,
.policy-table td {
    border-bottom: 1px solid #e6edf5;
    padding: .85rem;
    vertical-align: top;
}

.policy-table tr:last-child td {
    border-bottom: 0;
}

.policy-table th {
    background: #10233f;
    color: #fff;
}

.policy-table td {
    color: #526173;
    background: #fff;
}

.policy-table td:first-child {
    font-weight: 800;
    color: #10233f;
    min-width: 180px;
}

@media (max-width: 991.98px) {
    .policy-grid {
        grid-template-columns: 1fr;
    }

    .policy-side-card {
        position: static;
    }

    .policy-summary-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 575.98px) {
    .policy-hero {
        padding: 56px 0 48px;
    }

    .policy-shell {
        padding: 32px 0 56px;
    }

    .policy-panel,
    .policy-section,
    .policy-side-card,
    .policy-card {
        padding: 1rem;
    }

    .policy-table {
        font-size: .92rem;
    }
}