body {
  margin: 0;
  font-family: Arial, sans-serif;
  background: #f4f6fb;
  color: #14213d;
}
.policy-page {
  background: #eef2f8;
}
.container {
  width: 90%;
  max-width: 1080px;
  margin: auto;
}
.hero {
  background: linear-gradient(135deg, #0f1c3f, #1f4e79 55%, #c9a227);
  color: white;
  padding: 96px 20px;
  text-align: center;
}
.hero-small {
  padding: 64px 20px;
}
.section {
  padding: 60px 0;
}
.section.alt {
  background: #ffffff;
}
.section.tight {
  padding: 36px 0 60px;
}
.eyebrow {
  margin: 0 0 12px;
  font-size: 13px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.8);
}
.hero h1 {
  margin: 0 0 16px;
  font-size: 52px;
}
.hero p {
  max-width: 760px;
  margin: 0 auto;
  font-size: 20px;
  line-height: 1.6;
}
.hero .subnav {
  margin-top: 24px;
}
.section h2 {
  margin-top: 0;
  color: #0f1c3f;
}
a {
  color: #1f4e79;
}
.topbar {
  background: #091428;
  color: #d8deea;
  padding: 14px 0;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
}
.topbar a {
  color: #f5f7fb;
  text-decoration: none;
}
.subnav,
.footer-links,
.inline-links {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}
.button {
  display: inline-block;
  padding: 12px 18px;
  border-radius: 999px;
  background: #ffffff;
  color: #0f1c3f;
  text-decoration: none;
  font-weight: bold;
}
.button.secondary {
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.25);
}
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.card {
  background: #ffffff;
  border-radius: 18px;
  padding: 24px;
  box-shadow: 0 18px 40px rgba(15, 28, 63, 0.08);
}
.card h3 {
  margin-top: 0;
  margin-bottom: 12px;
}
.card p {
  margin-bottom: 18px;
  line-height: 1.7;
}
.content-shell {
  width: min(920px, calc(100% - 32px));
  margin: -28px auto 60px;
}
.policy-card {
  background: #ffffff;
  border-radius: 22px;
  padding: 36px;
  box-shadow: 0 20px 48px rgba(15, 28, 63, 0.08);
  border: 1px solid rgba(15, 28, 63, 0.06);
}
.policy-card h1,
.policy-card h2,
.policy-card h3 {
  color: #0f1c3f;
}
.policy-card h1 {
  margin-top: 0;
}
.policy-card h2 {
  margin-top: 36px;
}
.policy-card p,
.policy-card li {
  line-height: 1.8;
}
.policy-card > :first-child {
  margin-top: 0;
}
.policy-card a {
  text-underline-offset: 3px;
}
.kicker {
  margin: 0 0 10px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #7a6220;
}
.policy-lead {
  margin: 0 0 28px;
  font-size: 18px;
  color: #394765;
}
.policy-meta-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 18px;
  margin-bottom: 18px;
}
.policy-panel {
  margin-top: 28px;
  padding: 24px;
  border-radius: 18px;
  background: linear-gradient(180deg, #f8fafc, #eef3fb);
  border: 1px solid rgba(31, 78, 121, 0.12);
}
.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 18px;
  margin: 24px 0;
}
.contact-grid.compact {
  margin-bottom: 0;
}
.contact-item {
  padding: 22px;
  border-radius: 18px;
  background: #f8fafc;
  border: 1px solid rgba(31, 78, 121, 0.1);
}
.contact-item h3 {
  margin: 0 0 10px;
  font-size: 18px;
}
.contact-item p {
  margin: 0;
}
.contact-item p + p {
  margin-top: 10px;
}
.title {
  margin: 0 0 18px;
  font-size: 30px;
  line-height: 1.25;
}
.title2 {
  margin: 32px 0 12px;
  font-size: 22px;
  font-weight: 700;
  color: #0f1c3f;
  padding-bottom: 8px;
  border-bottom: 1px solid #dde5f0;
}
.section {
  margin: 12px 0;
  color: #34415d;
}
.section2 {
  margin: 6px 0;
  color: #34415d;
}
.bold {
  font-size: 24px;
  font-weight: 700;
  color: #0f1c3f;
}
.policy-card ul,
.policy-card ol {
  padding-left: 22px;
}
.meta {
  color: #5a6780;
  font-size: 14px;
}
.notice {
  border-left: 4px solid #c9a227;
  padding: 14px 16px;
  background: #fbf7e8;
  border-radius: 8px;
}
.center {
  text-align: center;
}
footer {
  text-align: center;
  padding: 20px;
  background: #0f1c3f;
  color: #d8deea;
}
footer a {
  color: #f5f7fb;
}
@media (max-width: 640px) {
  .hero {
    padding: 72px 20px;
  }
  .hero h1 {
    font-size: 40px;
  }
  .hero p {
    font-size: 18px;
  }
  .policy-card {
    padding: 24px;
  }
  .title {
    font-size: 26px;
  }
  .title2 {
    font-size: 20px;
  }
  .policy-lead {
    font-size: 16px;
  }
  .contact-item {
    padding: 18px;
  }
}