/* ---------- Policy / disclosure document pages ---------- */
.policy-main{background:var(--cloud);padding:44px 0 90px}

.policy-banner{background:linear-gradient(120deg,var(--navy) 0%,var(--blue) 100%);color:#fff;border-radius:20px;padding:38px 40px;box-shadow:var(--shadow);margin-bottom:32px;position:relative;overflow:hidden}
.policy-banner::before{content:"";position:absolute;inset:0;pointer-events:none;opacity:.15;background-image:radial-gradient(circle at 88% 20%,rgba(255,255,255,.5),transparent 45%)}
.policy-banner .crumb{position:relative;display:inline-flex;align-items:center;gap:8px;font-size:12.5px;letter-spacing:.5px;color:#bcdcf7;margin-bottom:14px}
.policy-banner .crumb a{color:#eaf4fd;font-weight:600}
.policy-banner .crumb a:hover{text-decoration:underline}
.policy-banner h1{position:relative;color:#fff;font-size:clamp(26px,4vw,38px);font-weight:600;letter-spacing:-.01em;margin-bottom:8px}
.policy-banner p{position:relative;color:#cfe4f6;font-size:15.5px;max-width:640px}

.policy-layout{display:flex;align-items:flex-start;gap:28px}

.policy-toc{width:280px;flex:none;position:sticky;top:96px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:var(--shadow-sm);max-height:calc(100vh - 120px);overflow-y:auto}
.policy-toc h4{font-family:'IBM Plex Sans';font-size:11.5px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:var(--steel);margin-bottom:12px;padding-bottom:12px;border-bottom:1px solid var(--line)}
.policy-toc ul{list-style:none}
.policy-toc li{margin-bottom:2px}
.policy-toc a{display:block;padding:7px 10px;border-radius:8px;font-size:13.6px;color:var(--muted);font-weight:500;transition:.16s;line-height:1.4}
.policy-toc a:hover{background:var(--mist);color:var(--navy)}
.policy-toc a.active{background:var(--blue);color:#fff}
.policy-toc .toc-more{margin-top:16px;padding-top:14px;border-top:1px solid var(--line)}
.policy-toc .toc-more a{color:var(--blue);font-weight:600}

.policy-content{flex:1;min-width:0;background:#fff;border:1px solid var(--line);border-radius:16px;padding:40px 44px;box-shadow:var(--shadow-sm)}
.policy-content h2.doc-title{font-size:26px;color:var(--navy);margin-bottom:6px}
.policy-content .doc-meta{font-size:13px;color:var(--muted);font-weight:500;margin-bottom:26px;padding-bottom:18px;border-bottom:2px solid var(--mist)}
.policy-content h3{scroll-margin-top:110px;font-size:18.5px;color:var(--navy);margin:34px 0 12px}
.policy-content h4{scroll-margin-top:110px;font-size:15.5px;color:var(--navy);margin:22px 0 10px}
.policy-content p{color:var(--text);font-size:15px;margin-bottom:14px}
.policy-content p:last-child{margin-bottom:0}
.policy-content ol,.policy-content ul{color:var(--text);font-size:15px;margin:0 0 14px 22px}
.policy-content ol{list-style:lower-alpha}
.policy-content ol.decimal{list-style:decimal}
.policy-content ul{list-style:disc}
.policy-content li{margin-bottom:8px;padding-left:4px}
.policy-content li:last-child{margin-bottom:0}
.policy-content strong{color:var(--navy);font-weight:600}
.policy-content em.note{display:block;color:var(--muted);font-size:13.5px;font-style:italic;margin:14px 0}
.policy-content a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px}

.policy-content .callout{background:var(--mist);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin:18px 0}
.policy-content .callout h5{font-family:'Fraunces',serif;color:var(--navy);font-size:16px;font-weight:600;margin-bottom:10px}
.policy-content .callout p{font-size:14px;margin-bottom:6px}
.policy-content .callout p:last-child{margin-bottom:0}

.policy-content .tbl-wrap{overflow-x:auto;margin:18px 0;border:1px solid var(--line);border-radius:12px}
.policy-content table{width:100%;border-collapse:collapse;font-size:14px}
.policy-content thead{background:var(--navy);color:#fff}
.policy-content th{text-align:left;padding:12px 18px;font-size:12.5px;font-weight:700;letter-spacing:.4px;white-space:nowrap}
.policy-content td{padding:11px 18px;border-top:1px solid var(--line);color:var(--text)}
.policy-content tbody tr:nth-child(even){background:var(--cloud)}

.policy-content .doc-sign{margin-top:34px;padding-top:22px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
.policy-content .doc-sign .line{margin-top:26px;border-top:1px solid var(--steel);width:220px;padding-top:6px}

.policy-hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.policy-hub-grid a{display:flex;align-items:flex-start;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 24px;box-shadow:var(--shadow-sm);transition:.2s}
.policy-hub-grid a:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#c2d6ea}
.policy-hub-grid .fic{flex:none;width:38px;height:38px;border-radius:10px;background:var(--mist);color:var(--blue);display:grid;place-items:center}
.policy-hub-grid .txt b{display:block;color:var(--navy);font-size:15.5px;margin-bottom:3px}
.policy-hub-grid .txt span{font-size:13px;color:var(--muted)}

@media(max-width:900px){
  .policy-toc{display:none}
  .policy-content{padding:28px 22px}
  .policy-banner{padding:28px 24px}
  .policy-hub-grid{grid-template-columns:1fr}
}