.policy-page { color: #183153; background: #f3f7fb; }
.policy-kicker { margin: 0 0 13px; color: #1168c8; font-size: 12px; font-weight: 750; letter-spacing: .16em; }

.policy-hero { position: relative; min-height: 650px; overflow: hidden; background: #020914; }
.policy-hero__image { position: absolute; inset: 0; }
.policy-hero__image::after { position: absolute; inset: 0; background: linear-gradient(90deg,rgba(0,4,14,.96) 0%,rgba(0,10,35,.82) 44%,rgba(0,13,44,.4) 78%,rgba(0,13,44,.32) 100%); content: ""; }
.policy-hero__image img { width: 100%; height: 100%; object-fit: cover; object-position: center 55%; }
.policy-hero .container { position: relative; z-index: 1; display: flex; min-height: 650px; align-items: center; }
.policy-hero__content { max-width: 930px; padding: 85px 0 95px; }
.policy-hero .policy-kicker { color: #8ddff6; }
.policy-hero h1 { margin: 0 0 28px; color: #fff; font-size: clamp(48px,5.8vw,80px); font-weight: 650; line-height: 1.08; letter-spacing: -.04em; }
.policy-hero h1 span { color: #8ddff6; }
.policy-hero__content > p:not(.policy-kicker) { max-width: 720px; margin: 0; color: rgba(255,255,255,.74); font-size: 19px; line-height: 1.9; }
.policy-hero__meta { display: inline-flex; align-items: center; gap: 25px; margin-top: 38px; padding: 13px 18px; border: 1px solid rgba(255,255,255,.24); border-radius: 999px; color: #fff; }
.policy-hero__meta span { color: #8ddff6; font-size: 9px; font-weight: 750; letter-spacing: .12em; }
.policy-hero__meta strong { font-size: 13px; font-weight: 550; }

.policy-summary { position: relative; z-index: 2; margin-top: -44px; }
.policy-summary__grid { display: grid; grid-template-columns: repeat(3,1fr); overflow: hidden; border: 1px solid #d7e2ed; border-radius: 24px; background: #fff; box-shadow: 0 22px 60px rgba(0,39,148,.1); }
.policy-summary__grid > div {  padding: 30px; border-right: 1px solid #e1e8f0; }
.policy-summary__grid > div:last-child { border-right: 0; }
.policy-summary__grid span { display: block; margin-bottom: 9px; color: #1170cd; font-size: 10px; font-weight: 750; letter-spacing: .11em; }
.policy-summary__grid strong { color: #183766; font-size: 18px; font-weight: 650; line-height: 1.55; }

.policy-document { padding: 85px 0 125px; }
.policy-document__layout { display: grid; grid-template-columns: 250px minmax(0,1fr); gap: clamp(55px,7vw,105px); align-items: start; }
.policy-toc { position: sticky; top: 105px; padding: 25px 0; border-top: 3px solid #002794; border-bottom: 1px solid #d3deea; }
.policy-toc > p { margin: 0 0 17px; color: #102b61; font-size: 16px; font-weight: 750; letter-spacing: .08em; }
.policy-toc nav { display: grid; }
.policy-toc a { padding: 10px 0; border-bottom: 1px solid #e3eaf1; color: #6b7d97; font-size: 16px; line-height: 1.45; text-decoration: none; transition: color .2s ease, padding .2s ease; }
.policy-toc a:last-child { border-bottom: 0; }
.policy-toc a:hover { padding-left: 7px; color: #075fc7; }
.policy-content { min-width: 0; }
.policy-section { padding: 0 0 100px; scroll-margin-top: 105px; }
.policy-section + .policy-section { padding-top: 95px; border-top: 1px solid #d7e2ed; }
.policy-section__heading { margin-bottom: 36px; }
.policy-section__heading h2 { margin: 0; color: #10285f; font-size: clamp(38px,4.4vw,58px); font-weight: 650; line-height: 1.18; letter-spacing: -.03em; }
.policy-section__heading > span { display: inline-block; margin-top: 18px; padding: 7px 12px; border-radius: 999px; background: #eaf3ff; color: #1769c2; font-size: 12px; font-weight: 650; }
.policy-prose { color: #526781; font-size: 17px; line-height: 1.95; }
.policy-prose p { margin: 0 0 20px; }
.policy-prose h3 { margin: 38px 0 14px; color: #17366d; font-size: 23px; font-weight: 650; }
.policy-prose ul { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.policy-prose li { position: relative; padding-left: 27px; }
.policy-prose li::before { position: absolute; top: .77em; left: 2px; width: 7px; height: 7px; border-radius: 50%; background: #1682dd; content: ""; }

.policy-principles { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; margin-top: 32px; }
.policy-principles > div { padding: 28px; border: 1px solid #dbe5ef; border-radius: 20px; background: #fff; }
.policy-principles strong { display: block; margin-bottom: 8px; color: #002794; font-size: 23px; font-weight: 650; }
.policy-principles p { margin: 0; color: #647690; font-size: 15px; line-height: 1.75; }
.policy-note { margin: 24px 0 0; padding: 22px 25px; border-left: 3px solid #0f75d1; border-radius: 0 14px 14px 0; background: #eaf3ff; color: #425c7e; font-size: 16px; line-height: 1.85; }
.policy-definition { margin: -12px 0 27px; color: #71829a; font-size: 14px; }
.policy-guarantees { overflow: hidden; border: 1px solid #d8e3ed; border-radius: 24px; background: #fff; box-shadow: 0 18px 50px rgba(0,39,148,.045); }
.policy-guarantees section { display: grid; grid-template-columns: 40px 1fr; gap: 18px; padding: 25px 28px; border-bottom: 1px solid #e5ebf2; }
.policy-guarantees section:last-child { border-bottom: 0; }
.policy-guarantees section > span { display: grid; width: 32px; height: 32px; place-items: center; border-radius: 50%; background: #eaf3ff; color: #1168c8; font-size: 13px; font-weight: 750; }
.policy-guarantees h3 { margin: 0 0 7px; color: #17366d; font-size: 19px; font-weight: 650; }
.policy-guarantees p { margin: 0; color: #60728c; font-size: 15px; line-height: 1.8; }

.policy-section--featured { margin-bottom: 100px; padding: 65px !important; border: 0 !important; border-radius: 30px; background: #fff; box-shadow: 0 24px 65px rgba(0,39,148,.07); }
.policy-callout { margin: 32px 0; padding: 27px 30px; border-radius: 20px; background: #002794; color: #fff; }
.policy-callout h3 { margin: 0 0 10px; color: #8ddff6; font-size: 20px; font-weight: 650; }
.policy-callout p { margin: 0; color: rgba(255,255,255,.75); font-size: 15px; line-height: 1.85; }
.policy-data-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 17px; }
.policy-data-grid section { min-height: 220px; padding: 29px; border: 1px solid #dae4ee; border-radius: 21px; background: #fff; }
.policy-data-grid h3 { margin: 0 0 12px; color: #17366d; font-size: 20px; font-weight: 650; }
.policy-data-grid p { margin: 0; color: #60728c; font-size: 15px; line-height: 1.85; }
.policy-purpose-list { counter-reset: purpose; overflow: hidden; border: 1px solid #d9e3ed; border-radius: 24px; background: #fff; }
.policy-purpose-list section { position: relative; padding: 27px 30px 27px 78px; border-bottom: 1px solid #e4ebf2; counter-increment: purpose; }
.policy-purpose-list section:last-child { border-bottom: 0; }
.policy-purpose-list section::before { position: absolute; top: 28px; left: 29px; color: #1682dd; font-size: 11px; font-weight: 750; content: "0" counter(purpose); }
.policy-purpose-list h3 { margin: 0 0 8px; color: #17366d; font-size: 19px; font-weight: 650; }
.policy-purpose-list p { margin: 0; color: #60728c; font-size: 15px; line-height: 1.85; }
.policy-rights-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
.policy-rights-grid section { position: relative; min-height: 190px; padding: 27px; border: 1px solid #dbe5ee; border-radius: 20px; background: #fff; }
.policy-rights-grid section > span { position: absolute; top: 23px; right: 24px; color: #1973ca; }
.policy-rights-grid h3 { max-width: 80%; margin: 0 0 11px; color: #17366d; font-size: 19px; font-weight: 650; }
.policy-rights-grid p { margin: 0; color: #65768e; font-size: 14px; line-height: 1.8; }

.policy-contact { display: grid; grid-template-columns: 1fr 330px; gap: 60px; align-items: end; padding: 55px; scroll-margin-top: 105px; border-radius: 30px; background: #002794; color: #fff; }
.policy-contact .policy-kicker { color: #8ddff6; }
.policy-contact h2 { margin: 0 0 18px; font-size: clamp(34px,4vw,51px); font-weight: 650; line-height: 1.2; letter-spacing: -.03em; }
.policy-contact > div > p:last-child { margin: 0; color: rgba(255,255,255,.68); font-size: 16px; line-height: 1.8; }
.policy-contact address { display: grid; gap: 12px; margin: 0; padding: 24px; border: 1px solid rgba(255,255,255,.22); border-radius: 20px; font-style: normal; }
.policy-contact address strong { font-size: 17px; font-weight: 650; }
.policy-contact address span { color: rgba(255,255,255,.67); font-size: 13px; line-height: 1.7; }
.policy-contact address a { color: #8ddff6; font-size: 14px; font-weight: 600; text-decoration: none; }

@media (max-width:991.98px) {
  .policy-summary__grid { grid-template-columns: 1fr; }
  .policy-summary__grid > div { min-height: 0; border-right: 0; border-bottom: 1px solid #e1e8f0; }
  .policy-summary__grid > div:last-child { border-bottom: 0; }
  .policy-document__layout { grid-template-columns: 1fr; }
  .policy-toc { position: static; }
  .policy-toc nav { grid-template-columns: repeat(2,1fr); column-gap: 25px; }
  .policy-section--featured { padding: 48px !important; }
  .policy-contact { grid-template-columns: 1fr; gap: 35px; }
}

@media (max-width:767.98px) {
  .policy-hero,
  .policy-hero .container { min-height: 590px; }
  .policy-hero__image::after { background: linear-gradient(90deg,rgba(0,4,15,.95),rgba(0,10,35,.7)); }
  .policy-hero__content { padding: 75px 0 80px; }
  .policy-hero h1 { font-size: clamp(41px,11.6vw,58px); }
  .policy-hero__content > p:not(.policy-kicker) { font-size: 17px; }
  .policy-hero__meta { align-items: flex-start; flex-direction: column; gap: 4px; border-radius: 18px; }
  .policy-summary { margin-top: -28px; }
  .policy-document { padding: 85px 0 95px; }
  .policy-section { padding-bottom: 75px; }
  .policy-section + .policy-section { padding-top: 70px; }
  .policy-principles,
  .policy-data-grid,
  .policy-rights-grid { grid-template-columns: 1fr; }
  .policy-data-grid section,
  .policy-rights-grid section { min-height: 0; }
  .policy-section--featured { margin-bottom: 75px; padding: 32px 24px !important; border-radius: 23px; }
  .policy-contact { padding: 35px 25px; border-radius: 23px; }
}

@media (max-width:575.98px) {
  .policy-summary__grid { border-radius: 20px; }
  .policy-summary__grid > div { padding: 24px; }
  .policy-toc nav { grid-template-columns: 1fr; }
  .policy-principles > div { padding: 23px; }
  .policy-guarantees section { grid-template-columns: 33px 1fr; gap: 12px; padding: 22px 19px; }
  .policy-purpose-list section { padding: 24px 20px 24px 55px; }
  .policy-purpose-list section::before { top: 25px; left: 20px; }
  .policy-callout { padding: 24px 21px; }
}

@media (prefers-reduced-motion:reduce) {
  .policy-toc a { transition: none; }
}