:root{--policy-navy:#101d2b;--policy-gold:#f5c84c;--policy-text:#253244;--policy-muted:#647184;--policy-border:#e6eaf0;--policy-background:#f5f7fa}.policy-page{min-height:100vh;color:var(--policy-text);background:#fff;font-family:Arial,Helvetica,sans-serif;font-size:18px;line-height:1.75}.policy-page *{box-sizing:border-box}.policy-header{background:radial-gradient(ellipse at 85% 20%,#263b50 0,transparent 40%),var(--policy-navy);color:#fff}.policy-nav{border-bottom:1px solid #ffffff1f;justify-content:space-between;align-items:center;gap:20px;max-width:1240px;min-height:90px;margin:auto;padding:18px 28px;display:flex}.brand{color:#fff;align-items:center;gap:13px;text-decoration:none;display:flex}.brand-mark,.contact-icon{background:var(--policy-gold);width:46px;height:46px;color:var(--policy-navy);border-radius:10px;flex-shrink:0;place-items:center;font-size:25px;font-weight:800;display:grid}.brand strong,.brand small{display:block}.brand strong{font-size:17px;line-height:1.5}.brand small{color:#b9c5d1;letter-spacing:1.3px;margin-top:3px;font-size:9px}.back-link{color:#fff;font-size:13px;text-decoration:none}.back-link:hover{color:var(--policy-gold)}.policy-hero{max-width:1240px;margin:auto;padding:72px 28px 78px}.eyebrow{color:var(--policy-gold);letter-spacing:2px;font-size:12px;font-weight:700}.policy-hero h1{color:#fff;letter-spacing:-1.8px;max-width:780px;margin:17px 0;font-size:clamp(34px,5vw,58px);line-height:1.15}.policy-hero>p{color:#cbd4df;max-width:680px;font-size:18px;line-height:1.8}.hero-meta{color:#e1e7ee;flex-wrap:wrap;align-items:center;gap:12px;margin-top:28px;font-size:12px;display:flex}.meta-dot{background:var(--policy-gold);border-radius:50%;width:5px;height:5px}.policy-layout{grid-template-columns:260px minmax(0,760px);justify-content:center;align-items:start;gap:64px;max-width:1240px;margin:0 auto;padding:60px 28px 80px;display:grid}.policy-sidebar{max-height:calc(100vh - 48px);position:sticky;top:24px;overflow-y:auto}.policy-sidebar h3{color:var(--policy-navy);margin:0 0 17px;font-size:14px}.policy-sidebar nav{border-left:2px solid var(--policy-border);gap:3px;padding-left:12px;display:grid}.policy-sidebar nav a{color:var(--policy-muted);border-radius:5px;padding:7px 10px;font-size:16px;line-height:1.6;text-decoration:none;transition:color .2s,background .2s}.policy-sidebar nav a:hover{color:#805c00;background:#fff7df}.sidebar-note{background:#fff8e6;border:1px solid #f3e6bc;border-radius:10px;align-items:flex-start;gap:10px;margin-top:25px;padding:15px;display:flex}.note-icon{color:#8b680e;border:1px solid #ad8215;border-radius:50%;flex-shrink:0;place-items:center;width:22px;height:22px;font-size:12px;font-weight:700;display:grid}.sidebar-note p{color:#6e5b2e;margin:0;font-size:11px;line-height:1.7}.policy-content{min-width:0}.intro-card{background:#f5f8fc;border:1px solid #e3eaf2;border-radius:12px;align-items:flex-start;gap:16px;margin-bottom:42px;padding:24px;display:flex}.intro-icon{color:#197344;background:#e2f4e8;border-radius:50%;flex-shrink:0;place-items:center;width:34px;height:34px;font-size:17px;font-weight:700;display:grid}.intro-card p{margin:0;font-size:16px;line-height:1.9}.policy-section{border-bottom:1px solid var(--policy-border);margin-bottom:30px;padding-bottom:30px;scroll-margin-top:28px}.policy-section h2{color:var(--policy-navy);letter-spacing:-.4px;margin:0 0 17px;font-size:24px;line-height:1.4}.policy-section p{color:#536174;margin:0 0 15px;font-size:16px;line-height:1.9}.refund-table-wrap{border:1px solid var(--policy-border);border-radius:10px;margin:23px 0;overflow-x:auto}.refund-table{border-collapse:collapse;text-align:left;width:100%;font-size:13px}.refund-table th{color:var(--policy-navy);background:#f3f6fa;padding:16px;font-size:12px;font-weight:700}.refund-table td{border-top:1px solid var(--policy-border);color:#536174;padding:17px 16px}.refund-table th:last-child,.refund-table td:last-child{width:145px}.refund-badge{white-space:nowrap;border-radius:5px;padding:4px 9px;font-size:11px;font-weight:700;display:inline-block}.refund-badge.full{color:#17663a;background:#e4f5e9}.refund-badge.partial{color:#875d00;background:#fff2d2}.refund-badge.none{color:#a42d27;background:#fce9e7}.policy-list{color:#536174;gap:10px;margin:16px 0 22px;padding-left:22px;font-size:16px;display:grid}.policy-list li{padding-left:4px}.policy-list li::marker{color:#bd9019}.contact-section{padding-bottom:35px}.contact-card{border:1px solid var(--policy-border);background:#fff;border-radius:12px;align-items:center;gap:18px;margin:24px 0;padding:23px;display:flex;box-shadow:0 6px 25px #101d2b0a}.contact-icon{width:52px;height:52px}.contact-details h3{color:var(--policy-navy);margin:0 0 2px;font-size:16px}.contact-location{color:var(--policy-muted);margin-bottom:12px;font-size:12px;display:block}.contact-details a{color:#87630b;overflow-wrap:anywhere;width:fit-content;font-size:13px;text-decoration:none;display:block}.contact-details a:hover{text-decoration:underline}.policy-section .policy-footnote{color:#778394;margin-top:24px;font-size:12px}.policy-footer{color:#7b8795;flex-wrap:wrap;justify-content:space-between;gap:16px;padding-top:25px;font-size:12px;display:flex}.policy-footer a{color:#87630b;text-decoration:none}@media (max-width:900px){.policy-layout{grid-template-columns:1fr;gap:30px;padding-top:35px}.policy-sidebar{max-height:none;position:static}.policy-sidebar nav{grid-template-columns:repeat(2,minmax(0,1fr))}.sidebar-note{margin-top:15px}.policy-hero{padding-top:55px;padding-bottom:55px}}@media (max-width:560px){.policy-nav{min-height:75px;padding:14px 18px}.brand-mark{width:38px;height:38px;font-size:21px}.brand strong{font-size:14px}.brand small{letter-spacing:.8px;font-size:7px}.back-link{font-size:11px}.policy-hero{padding:43px 20px}.policy-hero h1{letter-spacing:-1px;font-size:36px}.policy-hero>p{font-size:15px}.policy-layout{padding:28px 18px 50px}.policy-sidebar nav{grid-template-columns:1fr}.intro-card{gap:12px;margin-bottom:32px;padding:18px}.policy-section h2{font-size:20px}.refund-table{min-width:420px}.contact-card{align-items:flex-start;gap:13px;padding:17px}.contact-icon{width:42px;height:42px}}@media print{.policy-header{color:#101d2b;background:#fff}.policy-hero h1,.policy-hero>p,.hero-meta{color:#101d2b}.policy-sidebar,.back-link{display:none}.policy-layout{padding:20px 0;display:block}.policy-section{break-inside:avoid}}