:root{--navy:#023167;--peach:#faa578;--ink:#172536;--muted:#687889;--line:#dce5ed;--paper:#f5f7f9;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Arial,Helvetica,sans-serif}a{text-decoration:none}input{font:inherit}.policy-shell{max-width:1280px;margin:auto;padding:18px}.policy-topbar{justify-content:space-between;align-items:center;gap:16px;padding:6px 2px 16px;display:flex}.policy-brand{color:var(--navy);align-items:center;gap:10px;display:flex}.policy-mark{background:var(--navy);color:#fff;border-radius:11px;place-items:center;width:38px;height:38px;font-weight:900;display:grid}.policy-brand b{letter-spacing:.12em;font-size:11px;display:block}.policy-brand small{color:var(--muted);margin-top:2px;font-size:9px;display:block}.policy-back{color:var(--navy);font-size:10px;font-weight:900}.policy-hero{color:#fff;background:linear-gradient(135deg,#023167,#0b477e);border-radius:22px;grid-template-columns:1fr auto;align-items:end;gap:22px;padding:30px;display:grid}.policy-kicker{letter-spacing:.13em;color:var(--peach);font-size:9px;font-weight:900}.policy-hero h1{margin:7px 0;font-size:39px}.policy-hero p{color:#e9f0f6;max-width:700px;margin:0;font-size:13px;line-height:1.6}.policy-highlight{background:#ffffff1a;border:1px solid #ffffff2e;border-radius:16px;min-width:225px;padding:16px}.policy-highlight span{font-size:8px;font-weight:900;display:block}.policy-highlight strong{margin:4px 0;font-size:26px;display:block}.policy-highlight small{color:#e9f0f6;font-size:9px;line-height:1.4;display:block}.policy-tools{justify-content:space-between;align-items:center;gap:10px;margin:13px 0;display:flex}.policy-tools input{background:#fff;border:1px solid #cbd7e1;border-radius:11px;width:min(460px,100%);padding:11px}.policy-tools a{border:1px solid var(--line);color:var(--navy);background:#fff;border-radius:11px;padding:11px 13px;font-size:10px;font-weight:900}.policy-layout{grid-template-columns:235px 1fr;align-items:start;gap:14px;display:grid}.policy-nav{border:1px solid var(--line);background:#fff;border-radius:16px;gap:4px;padding:13px;display:grid;position:sticky;top:12px}.policy-nav-title{letter-spacing:.1em;color:#84919e;text-transform:uppercase;margin:2px 5px 7px;font-size:8px;font-weight:900}.policy-nav a{color:var(--navy);border-radius:8px;padding:8px;font-size:10px;font-weight:800}.policy-nav a:hover{background:#f2f6f9}.policy-content{gap:10px;display:grid}.policy-card{border:1px solid var(--line);background:#fff;border-radius:16px;grid-template-columns:48px 1fr;gap:12px;padding:16px;scroll-margin-top:12px;display:grid}.policy-number{width:39px;height:39px;color:var(--navy);background:#eef4f8;border-radius:11px;place-items:center;font-size:10px;font-weight:900;display:grid}.policy-card h2{color:var(--navy);margin:0 0 4px;font-size:19px}.policy-summary{color:var(--muted);margin:0 0 8px;font-size:11px;line-height:1.5}.policy-card ul{color:#566777;margin:0;padding-left:18px}.policy-card li{margin:5px 0;font-size:10px;line-height:1.55}.policy-empty{color:var(--muted);text-align:center;background:#fff;border:1px dashed #cbd6df;border-radius:14px;padding:24px}.policy-callout{background:#fff7f2;border:1px solid #f2d9c9;border-radius:18px;justify-content:space-between;align-items:center;gap:20px;margin-top:14px;padding:18px;display:flex}.policy-callout h2{color:var(--navy);margin:5px 0}.policy-callout p{color:var(--muted);margin:0;font-size:10px;line-height:1.5}.policy-callout-actions{flex-wrap:wrap;gap:8px;display:flex}.policy-callout-actions a{color:var(--navy);background:#fff;border:1px solid #d8c1b3;border-radius:10px;padding:10px 12px;font-size:9px;font-weight:900}.policy-callout-actions .primary{background:var(--navy);border-color:var(--navy);color:#fff}.policy-footer{color:#7c8995;justify-content:space-between;gap:12px;padding:16px 2px 5px;font-size:8px;display:flex}@media (max-width:760px){.policy-shell{padding:11px}.policy-topbar{align-items:flex-start}.policy-back{display:none}.policy-hero{grid-template-columns:1fr;padding:22px}.policy-hero h1{font-size:31px}.policy-highlight{min-width:0}.policy-tools{display:grid}.policy-layout{grid-template-columns:1fr}.policy-nav{gap:6px;display:flex;position:static;overflow-x:auto}.policy-nav-title{display:none}.policy-nav a{white-space:nowrap;border:1px solid var(--line)}.policy-card{grid-template-columns:42px 1fr}.policy-callout,.policy-footer{display:grid}body,input,select,textarea,button,a{font-size:16px}.policy-brand b{font-size:14px}.policy-brand small,.policy-kicker{font-size:12px}.policy-hero p{font-size:16px;line-height:1.6}.policy-highlight span{font-size:12px}.policy-highlight small{font-size:13px}.policy-highlight strong{font-size:30px}.policy-tools input,.policy-tools a{font-size:16px}.policy-nav a{font-size:15px}.policy-card h2{font-size:22px}.policy-summary{font-size:16px}.policy-card li{font-size:16px;line-height:1.6}.policy-callout p,.policy-callout-actions a{font-size:16px}.policy-footer{font-size:13px}}