:root{--policy-ink:#123f49;--policy-muted:#62777c;--policy-teal:#007d72;--policy-teal-dark:#00665e;--policy-aqua:#e2f5f1;--policy-coral:#dd7465;--policy-coral-soft:#fff0eb;--policy-sand:#fbf6eb;--policy-border:#d6e9e5;--policy-white:#fff;--policy-shadow:0 22px 60px rgba(18,63,73,.10);--policy-shadow-soft:0 12px 36px rgba(18,63,73,.07)}
html{scroll-behavior:smooth;scroll-padding-top:120px}body{color:var(--policy-ink);background:#fff}.policy-skip-link{position:fixed;top:-90px;left:20px;z-index:99999;padding:.85rem 1.15rem;border:2px solid var(--policy-teal);border-radius:12px;background:#fff;color:var(--policy-ink);font-weight:800}.policy-skip-link:focus{top:20px}.home-header{display:block}.policy-hero,.policy-index-intro{position:relative;padding:5.3rem 0 4.6rem;overflow:hidden;background:linear-gradient(135deg,#f5fbf9 0%,#fff 55%,#fff6f1 100%)}.policy-hero:after,.policy-index-intro:after{content:"";position:absolute;right:-130px;top:-160px;width:520px;height:520px;border-radius:50%;background:rgba(77,114,208,.055);box-shadow:0 0 0 85px rgba(77,114,208,.035)}.policy-hero .container,.policy-index-intro .container{position:relative;z-index:1}.policy-breadcrumb{display:flex;align-items:center;gap:.65rem;flex-wrap:wrap;margin-bottom:1.35rem;color:var(--policy-muted);font-size:.88rem;font-weight:700}.policy-breadcrumb a{color:var(--policy-teal-dark)}.policy-breadcrumb i{font-size:.7rem;color:#9ab0b3}.policy-kicker{display:block;margin-bottom:.85rem;color:var(--policy-teal);font-size:.84rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.policy-hero h1,.policy-index-intro h1{max-width:960px;margin:0 0 1.2rem;color:var(--policy-ink);font-size:clamp(2.75rem,5vw,5.2rem);line-height:1.01;letter-spacing:-.052em;font-weight:900}.policy-hero>div>p,.policy-index-intro>div>p{max-width:850px;margin:0;color:var(--policy-muted);font-size:1.14rem;line-height:1.72}.policy-shell{padding:4.8rem 0 6rem;background:#fbfdfc}.policy-layout{display:grid;grid-template-columns:minmax(240px,.34fr) minmax(0,1fr);gap:2.2rem;align-items:start}.policy-sidebar{position:sticky;top:25px}.policy-sidebar-card{padding:1.35rem;border:1px solid var(--policy-border);border-radius:22px;background:#fff;box-shadow:var(--policy-shadow-soft)}.policy-sidebar-card>span{display:block;margin-bottom:.9rem;color:var(--policy-teal);font-size:.77rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}.policy-sidebar ul{margin:0;padding:0;list-style:none}.policy-sidebar li+li{border-top:1px solid #edf4f2}.policy-sidebar a{display:flex;align-items:center;justify-content:space-between;gap:.6rem;padding:.72rem .45rem;color:var(--policy-muted);font-size:.91rem;line-height:1.35;font-weight:700}.policy-sidebar a:hover,.policy-sidebar a.active{color:var(--policy-teal-dark)}.policy-sidebar a.active{font-weight:900}.policy-sidebar li.external a{color:var(--policy-ink)}.policy-sidebar li.external i{font-size:.7rem}.policy-article{min-width:0;padding:clamp(1.5rem,4vw,3.2rem);border:1px solid var(--policy-border);border-radius:28px;background:#fff;box-shadow:var(--policy-shadow)}.policy-toc{margin:0 0 2.5rem;padding:1.4rem 1.5rem;border:1px solid var(--policy-border);border-radius:18px;background:#f7fbfa}.policy-toc>strong{display:block;margin-bottom:.65rem;color:var(--policy-ink);font-size:.88rem}.policy-toc ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.4rem 1.2rem;margin:0;padding-left:1.2rem}.policy-toc li{color:var(--policy-muted);font-size:.86rem;line-height:1.4}.policy-toc li.toc-sub{margin-left:.8rem}.policy-toc a{color:inherit}.policy-copy{font-size:1.02rem;line-height:1.78;color:#49656b}.policy-copy>p:first-child{font-size:1.09rem;color:var(--policy-ink)}.policy-copy p{margin:0 0 1.05rem}.policy-copy h2{margin:2.5rem 0 .9rem;color:var(--policy-ink);font-size:clamp(1.55rem,2.4vw,2.15rem);line-height:1.2;letter-spacing:-.025em;font-weight:900}.policy-copy h3{margin:2rem 0 .75rem;color:var(--policy-ink);font-size:1.28rem;line-height:1.3;font-weight:900}.policy-copy ul,.policy-copy ol{margin:.6rem 0 1.25rem;padding-left:1.35rem}.policy-copy li{margin:.42rem 0}.policy-copy strong{color:var(--policy-ink)}.policy-copy a{color:var(--policy-teal-dark);font-weight:800;text-decoration:underline;text-underline-offset:3px}.policy-copy .note{margin:1.35rem 0;padding:1.1rem 1.2rem;border:1px solid var(--policy-border);border-left:5px solid var(--policy-teal);border-radius:15px;background:#f5fbf9}.policy-copy .note.note-strong{border-left-color:var(--policy-coral);background:var(--policy-coral-soft)}.policy-copy .note p:last-child{margin-bottom:0}.policy-copy .cta{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.6rem}.policy-copy .btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.7rem 1.1rem;border:1px solid var(--policy-teal)!important;border-radius:11px;background:var(--policy-teal)!important;color:#fff!important;text-decoration:none!important;font-weight:900;box-shadow:none}.policy-copy .btn.btn-soft{border-color:var(--policy-border)!important;background:#fff!important;color:var(--policy-ink)!important}.policy-link-box{display:flex;align-items:center;justify-content:space-between;gap:1.2rem;margin:1.6rem 0;padding:1.25rem 1.35rem;border-radius:18px;background:linear-gradient(135deg,#0b6e68,#16454e);color:#fff}.policy-link-box strong,.policy-link-box span{display:block;color:#fff}.policy-link-box span{margin-top:.25rem;color:rgba(255,255,255,.76);font-size:.91rem;line-height:1.45}.policy-link-box>a{flex:0 0 auto;padding:.66rem .9rem;border-radius:10px;background:#fff;color:var(--policy-ink)!important;text-decoration:none!important;font-size:.88rem}.policy-end{display:flex;gap:1rem;margin-top:3rem;padding-top:2rem;border-top:1px solid var(--policy-border)}.policy-end>i{display:grid;place-items:center;flex:0 0 46px;width:46px;height:46px;border-radius:15px;background:var(--policy-aqua);color:var(--policy-teal)}.policy-end strong,.policy-end p{display:block}.policy-end p{margin:.25rem 0 0;color:var(--policy-muted);line-height:1.55}.policy-help{padding:4rem 0;background:linear-gradient(135deg,#0b6e68,#16454e);color:#fff}.policy-help>.container{display:flex;align-items:center;justify-content:space-between;gap:2rem}.policy-help span{font-size:.8rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:#bfe9e2}.policy-help h2{margin:.45rem 0 .55rem;color:#fff;font-size:clamp(2rem,3.2vw,3.5rem);font-weight:900;letter-spacing:-.04em}.policy-help p{max-width:760px;margin:0;color:rgba(255,255,255,.76);line-height:1.65}.policy-help-actions{display:flex;gap:.75rem;flex:0 0 auto}.policy-help .btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;border-radius:11px;font-weight:900}.policy-btn-light{background:#fff!important;color:var(--policy-ink)!important;border-color:#fff!important}.policy-index-alert{display:flex;gap:.85rem;max-width:920px;margin-top:1.8rem;padding:1rem 1.2rem;border:1px solid var(--policy-border);border-radius:17px;background:rgba(255,255,255,.82)}.policy-index-alert i{margin-top:.25rem;color:var(--policy-teal)}.policy-index-alert p{margin:0!important;color:var(--policy-muted)!important;font-size:.98rem!important}.policy-index-section{padding:5.5rem 0 6rem;background:#fbfdfc}.policy-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.25rem}.policy-card{display:flex;flex-direction:column;min-height:335px;padding:1.8rem;border:1px solid var(--policy-border);border-radius:24px;background:#fff;box-shadow:var(--policy-shadow-soft);transition:transform .2s ease,box-shadow .2s ease}.policy-card:hover{transform:translateY(-4px);box-shadow:var(--policy-shadow)}.policy-card>i{display:grid;place-items:center;width:58px;height:58px;border-radius:18px;background:var(--policy-aqua);color:var(--policy-teal);font-size:1.3rem}.policy-card>span{margin:1.15rem 0 .45rem;color:var(--policy-teal);font-size:.76rem;font-weight:900;letter-spacing:.09em;text-transform:uppercase}.policy-card h2{margin:0 0 .75rem;color:var(--policy-ink);font-size:1.45rem;font-weight:900;line-height:1.25}.policy-card p{margin:0;color:var(--policy-muted);line-height:1.62}.policy-card>a{display:flex;align-items:center;gap:.5rem;margin-top:auto;padding-top:1.25rem;color:var(--policy-teal-dark);font-weight:900}.policy-tae-card{display:flex;align-items:center;justify-content:space-between;gap:2rem;margin-top:1.4rem;padding:2.4rem;border-radius:28px;background:linear-gradient(135deg,#0b6e68,#16454e);color:#fff;box-shadow:0 24px 60px rgba(8,86,80,.2)}.policy-tae-card span{font-size:.78rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:#bfe9e2}.policy-tae-card h2{margin:.5rem 0 .65rem;color:#fff;font-size:2.15rem;font-weight:900}.policy-tae-card p{max-width:760px;margin:0;color:rgba(255,255,255,.78);line-height:1.65}.reminder-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;margin-top:1.5rem}.reminder-grid section{position:relative;padding:1.35rem 1.4rem;border:1px solid var(--policy-border);border-radius:18px;background:#fbfdfc}.reminder-grid section>span{display:grid;place-items:center;width:40px;height:40px;border-radius:13px;background:var(--policy-aqua);color:var(--policy-teal);font-size:.82rem;font-weight:900}.reminder-grid h2{margin:.85rem 0 .5rem!important;font-size:1.18rem!important}.reminder-grid p{font-size:.94rem;line-height:1.6}.reminder-grid a{display:inline-flex;margin-top:.25rem;font-size:.9rem}.policy-copy .reminder-grid>section:last-child:nth-child(odd){grid-column:1/-1}.policy-copy [id]{scroll-margin-top:120px}
@media(max-width:1199px){.policy-layout{grid-template-columns:230px minmax(0,1fr)}.policy-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:991px){.policy-layout{grid-template-columns:1fr}.policy-sidebar{position:static}.policy-sidebar ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 .9rem}.policy-help>.container,.policy-tae-card{align-items:flex-start;flex-direction:column}.policy-help-actions{flex-wrap:wrap}.policy-toc ol{grid-template-columns:1fr}}
@media(max-width:767px){.policy-hero,.policy-index-intro{padding:3.6rem 0 3.3rem}.policy-hero h1,.policy-index-intro h1{font-size:2.7rem}.policy-hero>div>p,.policy-index-intro>div>p{font-size:1rem}.policy-shell{padding:3rem 0 4rem}.policy-article{padding:1.35rem;border-radius:20px}.policy-sidebar ul,.policy-card-grid,.reminder-grid{grid-template-columns:1fr}.policy-card{min-height:auto}.policy-copy .reminder-grid>section:last-child:nth-child(odd){grid-column:auto}.policy-link-box{align-items:flex-start;flex-direction:column}.policy-help{padding:3.2rem 0}.policy-help-actions{width:100%;flex-direction:column}.policy-help-actions .btn,.policy-tae-card .btn{width:100%}.policy-tae-card{padding:1.6rem}.policy-toc{padding:1.15rem}.policy-copy{font-size:.98rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.policy-card{transition:none}.policy-card:hover{transform:none}}