:root {
    --navy: #102a43;
    --navy-2: #163a5f;
    --blue: #235b8e;
    --blue-soft: #eaf2f8;
    --ink: #1f2933;
    --muted: #5f6c7b;
    --line: #d9e2ec;
    --surface: #ffffff;
    --page: #f5f7f9;
    --danger: #8a1c1c;
    --danger-bg: #fff1f1;
    --warning: #7a4d00;
    --warning-bg: #fff8e8;
    --success: #25633a;
    --success-bg: #edf8f0;
    --radius: 8px;
    --shadow: 0 1px 2px rgba(16,42,67,.08);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    color: var(--ink);
    background: var(--page);
    line-height: 1.65;
}
a { color: var(--blue); }
a:hover { text-decoration-thickness: 2px; }
.skip-link { position: absolute; left: -10000px; top: 0; z-index: 999; background: #fff; color: var(--navy); padding: 10px 14px; }
.skip-link:focus { left: 12px; top: 12px; }
.top-rule { height: 5px; background: var(--navy); }
.site-header { background: #fff; border-bottom: 1px solid var(--line); }
.header-inner { max-width: 1260px; margin: 0 auto; min-height: 82px; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; gap: 12px; align-items: center; color: var(--navy); text-decoration: none; }
.brand-mark { width: 44px; height: 44px; border: 2px solid var(--navy); border-radius: 6px; display: grid; place-items: center; font-size: 22px; font-weight: 800; }
.brand-copy { display: flex; flex-direction: column; line-height: 1.2; }
.brand-copy strong { font-size: 20px; letter-spacing: .1px; }
.brand-copy small { margin-top: 4px; color: var(--muted); font-size: 12px; letter-spacing: .5px; text-transform: uppercase; }
.header-actions a { font-weight: 650; text-decoration: none; }
.service-banner { background: var(--navy); color: #fff; }
.service-banner-inner { max-width: 1260px; margin: 0 auto; padding: 10px 24px; display: flex; gap: 10px; align-items: baseline; font-size: 14px; }
.service-banner-inner span { color: #d9e6f2; }
.page-shell { max-width: 1260px; margin: 0 auto; display: grid; grid-template-columns: 270px minmax(0, 1fr); gap: 42px; padding: 36px 24px 72px; }
.policy-sidebar { align-self: start; position: sticky; top: 18px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.sidebar-title { padding: 16px 18px; font-size: 12px; text-transform: uppercase; letter-spacing: .8px; color: var(--muted); border-bottom: 1px solid var(--line); font-weight: 800; }
.policy-sidebar nav { display: flex; flex-direction: column; }
.policy-sidebar nav a { color: var(--ink); padding: 11px 16px; text-decoration: none; border-left: 4px solid transparent; border-bottom: 1px solid #eef2f5; font-size: 14px; }
.policy-sidebar nav a:hover { background: #f7fafc; }
.policy-sidebar nav a.active { color: var(--navy); border-left-color: var(--navy); background: var(--blue-soft); font-weight: 750; }
.sidebar-help { padding: 16px; background: #f8fafc; display: flex; flex-direction: column; gap: 4px; font-size: 13px; }
.sidebar-help span { color: var(--muted); }
.content-column { min-width: 0; }
.breadcrumb { font-size: 13px; color: var(--muted); margin-bottom: 16px; display: flex; gap: 8px; flex-wrap: wrap; }
.breadcrumb a { color: var(--muted); }
.policy-hero { background: #fff; border: 1px solid var(--line); border-top: 5px solid var(--navy); border-radius: var(--radius); padding: 34px 36px; box-shadow: var(--shadow); }
.eyebrow { color: var(--blue); font-weight: 800; text-transform: uppercase; letter-spacing: .9px; font-size: 12px; margin-bottom: 9px; }
.policy-hero h1 { margin: 0; color: var(--navy); font-size: clamp(34px, 5vw, 52px); line-height: 1.08; letter-spacing: -1.1px; }
.policy-hero > p { max-width: 760px; color: var(--muted); margin: 16px 0 0; font-size: 18px; }
.meta-row { display: flex; flex-wrap: wrap; gap: 10px 28px; padding-top: 24px; margin-top: 26px; border-top: 1px solid var(--line); font-size: 13px; color: var(--muted); }
.notice { margin: 22px 0; display: grid; grid-template-columns: 30px 1fr; gap: 12px; border: 1px solid var(--line); border-left-width: 5px; border-radius: var(--radius); background: #fff; padding: 16px 18px; }
.notice-icon { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; font-weight: 900; border: 1px solid currentColor; }
.notice p { margin: 4px 0 0; color: var(--muted); }
.notice-info { border-left-color: var(--blue); background: #f8fbfd; color: var(--blue); }
.notice-warning { border-left-color: var(--warning); background: var(--warning-bg); color: var(--warning); }
.notice-danger { border-left-color: var(--danger); background: var(--danger-bg); color: var(--danger); }
.notice-success { border-left-color: var(--success); background: var(--success-bg); color: var(--success); }
.policy-section { display: grid; grid-template-columns: 60px minmax(0, 1fr); gap: 20px; margin-top: 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 32px; box-shadow: var(--shadow); }
.section-number { font-size: 14px; font-weight: 850; color: var(--navy); border: 1px solid var(--line); width: 42px; height: 42px; display: grid; place-items: center; border-radius: 4px; background: #f8fafc; }
.section-body h2 { margin: 0 0 12px; color: var(--navy); font-size: 24px; line-height: 1.25; }
.section-body h3 { color: var(--navy); font-size: 17px; margin: 24px 0 8px; }
.section-body p { margin: 0 0 13px; }
.section-body ul, .section-body ol { margin: 10px 0 16px; padding-left: 22px; }
.section-body li { margin: 7px 0; }
.section-body .rule-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 12px; margin: 16px 0; }
.rule-card { border: 1px solid var(--line); border-radius: 6px; padding: 15px; background: #fbfcfd; }
.rule-card strong { display: block; color: var(--navy); margin-bottom: 5px; }
.policy-footer-card { margin-top: 28px; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 28px; background: var(--navy); color: #fff; display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.policy-footer-card p { margin: 4px 0 0; color: #d9e6f2; }
.footer-card-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.button { display: inline-flex; min-height: 40px; align-items: center; justify-content: center; padding: 0 15px; border: 1px solid #c8d4df; border-radius: 4px; color: #fff; text-decoration: none; font-weight: 750; background: transparent; }
.button-primary { color: var(--navy); background: #fff; border-color: #fff; }
.site-footer { background: #0c2236; color: #fff; }
.footer-inner { max-width: 1260px; margin: 0 auto; padding: 32px 24px; display: grid; grid-template-columns: 1.4fr 1fr auto; gap: 28px; align-items: start; }
.policy-main-logo { display: block; width: 150px; height: auto; margin: 28px 0 12px; }
.footer-inner p { margin: 6px 0 0; color: #b9cad8; font-size: 13px; max-width: 420px; }
.footer-links { display: grid; gap: 6px; }
.footer-links a { color: #dce8f1; text-decoration: none; font-size: 14px; }
.footer-legal { color: #b9cad8; font-size: 13px; text-align: right; }
.mobile-policy-nav { display: none; }
.policy-index-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 14px; margin-top: 22px; }
.policy-index-card { display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; color: var(--ink); text-decoration: none; box-shadow: var(--shadow); }
.policy-index-card:hover { border-color: #aebfce; transform: translateY(-1px); }
.policy-index-card strong { color: var(--navy); display: block; font-size: 17px; margin-bottom: 5px; }
.policy-index-card span { color: var(--muted); font-size: 14px; }
.contact-table { width: 100%; border-collapse: collapse; margin-top: 12px; }
.contact-table th, .contact-table td { border-bottom: 1px solid var(--line); padding: 12px 10px; text-align: left; vertical-align: top; }
.contact-table th { color: var(--navy); font-size: 13px; text-transform: uppercase; letter-spacing: .4px; }
@media (max-width: 920px) {
    .page-shell { grid-template-columns: 1fr; gap: 20px; padding-top: 22px; }
    .policy-sidebar { display: none; }
    .mobile-policy-nav { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: center; padding: 14px 20px; background: #fff; border-bottom: 1px solid var(--line); }
    .mobile-policy-nav label { font-size: 13px; font-weight: 800; color: var(--navy); }
    .mobile-policy-nav select { width: 100%; min-height: 42px; padding: 0 10px; border: 1px solid #b8c7d4; border-radius: 4px; background: #fff; color: var(--ink); }
    .footer-inner { grid-template-columns: 1fr; }
    .footer-legal { text-align: left; }
}
@media (max-width: 640px) {
    .header-inner { padding: 0 16px; min-height: 72px; }
    .header-actions { display: none; }
    .service-banner-inner { padding: 10px 16px; display: block; }
    .service-banner-inner strong { display: block; }
    .page-shell { padding: 18px 14px 48px; }
    .policy-hero { padding: 26px 22px; }
    .policy-hero h1 { font-size: 36px; }
    .policy-hero > p { font-size: 16px; }
    .policy-section { grid-template-columns: 1fr; padding: 22px 20px; gap: 10px; }
    .section-number { width: 38px; height: 38px; }
    .section-body .rule-grid, .policy-index-grid { grid-template-columns: 1fr; }
    .policy-footer-card { align-items: flex-start; flex-direction: column; }
}
@media print {
    .site-header, .service-banner, .policy-sidebar, .mobile-policy-nav, .site-footer, .policy-footer-card { display: none !important; }
    .page-shell { display: block; max-width: none; padding: 0; }
    .policy-hero, .policy-section { box-shadow: none; break-inside: avoid; }
}