.page-hero{background:var(--navy);padding:48px 0;position:relative;overflow:hidden}.page-hero::before{content:'';position:absolute;top:-50%;right:-6%;width:400px;height:400px;background:rgba(192,57,43,.04);border-radius:50%}.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--red),var(--navy-light))}.page-hero .container{position:relative;z-index:2}.hero-breadcrumb{display:flex;align-items:center;gap:8px;font-size:13px;color:rgba(255,255,255,.4);margin-bottom:14px}.hero-breadcrumb a{color:rgba(255,255,255,.5)}.hero-breadcrumb a:hover{color:#fff}.hero-breadcrumb .sep{font-size:10px}.page-hero h1{font-family:'Outfit',sans-serif;font-size:36px;font-weight:800;color:#fff;margin-bottom:6px;letter-spacing:-.5px}.page-hero .hero-meta{font-size:13.5px;color:rgba(255,255,255,.4)}.page-hero .hero-meta strong{color:rgba(255,255,255,.6);font-weight:500}.policy-section{padding:48px 0 80px;background:var(--white)}.policy-layout{display:grid;grid-template-columns:260px 1fr;gap:52px;align-items:flex-start}.policy-sidebar{position:sticky;top:90px}.sidebar-label{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1.5px;color:var(--gray-400);margin-bottom:14px;padding-left:14px}.sidebar-nav{margin-bottom:28px}.sidebar-link{display:flex;align-items:center;gap:10px;padding:11px 14px;border-radius:var(--radius);font-size:14px;font-weight:500;color:var(--gray-500);transition:all 0.2s;cursor:pointer;margin-bottom:2px;border-left:3px solid transparent}.sidebar-link:hover{color:var(--navy);background:var(--gray-50)}.sidebar-link.active{color:var(--red);font-weight:600;background:var(--red-light);border-left-color:var(--red)}.sidebar-link svg{width:18px;height:18px;flex-shrink:0}.sidebar-toc{margin-top:24px}.toc-label{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1.5px;color:var(--gray-400);margin-bottom:12px;padding-left:14px}.toc-link{display:block;padding:7px 14px;font-size:13px;color:var(--gray-400);border-left:2px solid var(--gray-100);transition:all 0.2s;cursor:pointer}.toc-link:hover{color:var(--navy);border-left-color:var(--gray-300)}.toc-link.active{color:var(--red);border-left-color:var(--red);font-weight:600}.sidebar-help{margin-top:28px;background:var(--navy);border-radius:var(--radius-lg);padding:24px;color:#fff;position:relative;overflow:hidden}.sidebar-help::before{content:'';position:absolute;top:-30%;right:-20%;width:120px;height:120px;background:rgba(192,57,43,.1);border-radius:50%}.sidebar-help h4{font-family:'Outfit',sans-serif;font-size:15px;font-weight:700;margin-bottom:8px;position:relative;z-index:1}.sidebar-help p{font-size:12.5px;color:rgba(255,255,255,.55);line-height:1.6;margin-bottom:14px;position:relative;z-index:1}.sidebar-help .help-btn{display:inline-flex;align-items:center;gap:6px;background:var(--red);color:#fff;padding:8px 16px;border-radius:var(--radius);font-size:12.5px;font-weight:600;border:none;cursor:pointer;transition:all 0.2s;position:relative;z-index:1}.sidebar-help .help-btn:hover{background:var(--red-hover)}.sidebar-help .help-btn svg{width:14px;height:14px}.policy-page{display:none}.policy-page.active{display:block}.policy-content h2{font-family:'Outfit',sans-serif;font-size:22px;font-weight:700;color:var(--navy);margin:36px 0 12px;padding-top:28px;border-top:1px solid var(--gray-100);scroll-margin-top:100px}.policy-content h2:first-child{margin-top:0;padding-top:0;border-top:none}.policy-content h3{font-family:'Outfit',sans-serif;font-size:17px;font-weight:700;color:var(--navy);margin:24px 0 8px}.policy-content p{font-size:14.5px;color:var(--gray-500);line-height:1.8;margin-bottom:14px}.policy-content ul,.policy-content ol{margin:12px 0 18px;padding-left:0}.policy-content ul li,.policy-content ol li{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:var(--gray-500);line-height:1.7;margin-bottom:8px}.policy-content ul li::before{content:'';width:6px;height:6px;background:var(--red);border-radius:50%;flex-shrink:0;margin-top:9px}.policy-content ol{counter-reset:pol-counter}.policy-content ol li{counter-increment:pol-counter}.policy-content ol li::before{content:counter(pol-counter) '.';font-weight:700;color:var(--red);font-size:13px;flex-shrink:0;min-width:20px;margin-top:1px}.callout{background:var(--teal-light);border-left:4px solid var(--teal);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:18px 22px;margin:20px 0}.callout p{color:var(--gray-700);margin:0;font-size:14px}.callout strong{color:var(--navy)}.callout.warning{background:var(--red-light);border-left-color:var(--red)}.callout.warning p{color:var(--gray-700)}.callout.info{background:#eef2ff;border-left-color:var(--navy)}.policy-table{width:100%;border-collapse:collapse;margin:16px 0 24px;background:var(--white);border:1px solid var(--gray-100);border-radius:var(--radius-md);overflow:hidden}.policy-table th,.policy-table td{padding:12px 16px;font-size:13.5px;text-align:left;border-bottom:1px solid var(--gray-100)}.policy-table th{background:var(--gray-50);font-weight:600;color:var(--navy);font-size:12.5px;text-transform:uppercase;letter-spacing:.5px}.policy-table td{color:var(--gray-500)}.policy-table tr:last-child td{border-bottom:none}.policy-contact{margin-top:40px;padding:28px;background:var(--gray-50);border:1px solid var(--gray-100);border-radius:var(--radius-lg);display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.policy-contact .pc-text h4{font-family:'Outfit',sans-serif;font-size:16px;font-weight:700;color:var(--navy);margin-bottom:4px}.policy-contact .pc-text p{font-size:13.5px;color:var(--gray-500);margin:0}.policy-contact .pc-btn{display:inline-flex;align-items:center;gap:6px;background:var(--red);color:#fff;padding:11px 22px;border-radius:var(--radius);font-size:13.5px;font-weight:600;border:none;cursor:pointer;transition:all 0.25s;white-space:nowrap}.policy-contact .pc-btn:hover{background:var(--red-hover)}.policy-contact .pc-btn svg{width:15px;height:15px}@media (max-width:1024px){.policy-layout{grid-template-columns:1fr;gap:0}.policy-sidebar{position:static;margin-bottom:32px}.sidebar-toc{display:none}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media (max-width:768px){.nav-links{display:none}.mobile-toggle{display:flex}.page-hero h1{font-size:28px}.sidebar-nav{display:flex;flex-wrap:wrap;gap:6px}.sidebar-link{padding:8px 14px;font-size:13px;border-left:none;border-bottom:2px solid transparent}.sidebar-link.active{border-left:none;border-bottom-color:var(--red)}.footer-grid{grid-template-columns:1fr}.top-strip-sep{display:none}.top-strip-inner{gap:10px}.policy-contact{flex-direction:column;align-items:flex-start}