.policy-banner { background: #0b0d0c; }
.policy-header__inner { min-height: 82px; display: grid; grid-template-columns: 150px 1fr 180px; align-items: center; gap: 25px; }
.policy-header__inner > p { margin: 0; color: #68706a; font-size: 11px; font-weight: 800; text-align: center; }
.policy-hero { padding: 68px 0 38px; display: grid; grid-template-columns: minmax(0,1fr) 360px; align-items: end; gap: 60px; }
.policy-hero h1 { max-width: 780px; margin-bottom: 17px; font-size: clamp(42px, 6vw, 68px); }
.policy-hero > div > p:not(.eyebrow) { max-width: 690px; margin-bottom: 10px; color: #68706a; font-size: 16px; }
.policy-hero small { color: #7d837e; font-size: 10px; }
.policy-hero__note { display: flex; align-items: flex-start; gap: 14px; padding: 22px; color: #fff; background: #176f31; border-radius: 18px; box-shadow: 0 16px 44px rgba(23,111,49,.2); }
.policy-hero__note > span { width: 38px; height: 38px; display: grid; place-items: center; flex: 0 0 auto; color: #0b0d0c; background: #40bc47; border-radius: 10px; font-weight: 950; }
.policy-hero__note strong { display: block; margin-bottom: 5px; font-size: 14px; }
.policy-hero__note p { margin: 0; color: rgba(255,255,255,.68); font-size: 11px; }
.quick-policy { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 12px; margin-bottom: 36px; }
.quick-policy article { display: grid; grid-template-columns: 50px 1fr; align-items: center; gap: 13px; padding: 18px; background: #fff; border: 1px solid #dfe3de; border-radius: 14px; }
.quick-policy article > span { width: 48px; height: 48px; display: grid; place-items: center; color: #176f31; background: #eaf8eb; border-radius: 12px; font-size: 13px; font-weight: 950; }
.quick-policy strong { display: block; font-size: 12px; }
.quick-policy p { margin: 3px 0 0; color: #68706a; font-size: 9px; }
.policy-layout { display: grid; grid-template-columns: 250px minmax(0,1fr); align-items: start; gap: 26px; padding-bottom: 44px; }
.policy-index { position: sticky; top: 108px; display: grid; gap: 3px; padding: 20px; background: #0b0d0c; border-radius: 16px; }
.policy-index p { margin: 0 0 8px; color: rgba(255,255,255,.48); font-size: 9px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.policy-index a { padding: 9px 10px; color: rgba(255,255,255,.78); border-radius: 8px; font-size: 10px; font-weight: 800; }
.policy-index a:hover { color: #0b0d0c; background: #40bc47; }
.policy-sections { display: grid; gap: 16px; }
.policy-card { scroll-margin-top: 110px; display: grid; grid-template-columns: 62px minmax(0,1fr); gap: 22px; padding: 32px; background: #fff; border: 1px solid #dfe3de; border-radius: 18px; }
.policy-card__number { width: 54px; height: 54px; display: grid; place-items: center; color: #176f31; background: #eaf8eb; border-radius: 14px; font-size: 15px; font-weight: 950; }
.policy-card h2 { margin: 4px 0 18px; font-size: 28px; }
.policy-card ol { margin: 0; padding-left: 20px; }
.policy-card li { padding-left: 7px; color: #525954; font-size: 13px; }
.policy-card li + li { margin-top: 13px; }
.policy-card li::marker { color: #176f31; font-weight: 900; }
.policy-card--acceptance { color: #fff; background: #176f31; border-color: #176f31; }
.policy-card--acceptance .policy-card__number { color: #0b0d0c; background: #40bc47; }
.policy-card--acceptance .eyebrow { color: #9bf0a0; }
.policy-card--acceptance p:not(.eyebrow) { max-width: 720px; color: rgba(255,255,255,.76); font-size: 13px; }
.policy-cta { margin-bottom: 72px; padding: 34px 38px; display: flex; align-items: center; justify-content: space-between; gap: 30px; background: #eaf8eb; border: 1px solid #b8dfbb; border-radius: 20px; }
.policy-cta h2 { margin: 3px 0 8px; font-size: 30px; }
.policy-cta p:not(.eyebrow) { margin: 0; color: #68706a; font-size: 12px; }
.policy-cta__actions { display: flex; gap: 10px; flex: 0 0 auto; }
.policy-footer { padding: 24px 0; color: rgba(255,255,255,.65); background: #0b0d0c; font-size: 10px; }
.policy-footer .container { display: flex; justify-content: space-between; gap: 20px; }
.policy-footer a { color: #9bf0a0; font-weight: 800; }

@media (max-width: 900px) {
  .policy-hero { grid-template-columns: 1fr; gap: 25px; padding-top: 50px; }
  .policy-hero__note { max-width: 600px; }
  .policy-layout { grid-template-columns: 1fr; }
  .policy-index { position: static; grid-template-columns: repeat(2,minmax(0,1fr)); }
  .policy-index p { grid-column: 1 / -1; }
}

@media (max-width: 700px) {
  .policy-header__inner { min-height: 72px; grid-template-columns: 110px 1fr; gap: 10px; }
  .policy-header__inner > p { justify-self: end; font-size: 9px; }
  .policy-header__inner .back-link { display: none; }
  .policy-hero { padding-top: 40px; }
  .quick-policy { grid-template-columns: 1fr; }
  .policy-card { grid-template-columns: 1fr; gap: 14px; padding: 24px 20px; }
  .policy-card__number { width: 45px; height: 45px; }
  .policy-card h2 { font-size: 25px; }
  .policy-card li { font-size: 12px; }
  .policy-cta { align-items: stretch; flex-direction: column; padding: 26px 22px; }
  .policy-cta__actions { display: grid; }
}

@media (max-width: 480px) {
  .policy-index { grid-template-columns: 1fr; }
  .policy-index p { grid-column: auto; }
  .policy-footer .container { flex-direction: column; }
}