.policy-page{background:#f4f6fa;color:#202536;min-height:100vh}
.policy-hero{position:relative;overflow:hidden;padding:154px 0 72px;background:linear-gradient(135deg,#101b48 0%,#192a68 68%,#273b88 100%);color:#fff}
.policy-hero:before,.policy-hero:after{content:"";position:absolute;border-radius:50%;pointer-events:none}
.policy-hero:before{width:460px;height:460px;right:-150px;top:-250px;border:1px solid rgba(255,255,255,.1)}
.policy-hero:after{width:240px;height:240px;right:70px;bottom:-170px;background:rgba(255,132,31,.12)}
.policy-hero-inner{display:block;position:relative;z-index:1}
.policy-back{display:inline-block;margin-bottom:34px;color:#c9d3ed;font-size:12px;font-weight:700;text-decoration:none;transition:color .2s}
.policy-back:hover{color:#fff}
.policy-kicker{display:block;margin-bottom:14px;color:#ff9a48;font-size:10px;font-weight:800;letter-spacing:.18em}
.policy-hero h1{max-width:800px;margin:0;font-size:clamp(38px,5.5vw,68px);line-height:1.04;letter-spacing:-.045em;color:#fff}
.policy-hero>div>p{max-width:680px;margin:22px 0 0;color:#d9e1f4;font-size:17px;line-height:1.75}
.policy-highlights{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));max-width:880px;margin-top:42px;border:1px solid rgba(255,255,255,.16);border-radius:18px;background:rgba(255,255,255,.07);backdrop-filter:blur(8px);overflow:hidden}
.policy-highlights span{padding:18px 22px;color:#bfc9e2;font-size:10px;line-height:1.5;letter-spacing:.04em}
.policy-highlights span+span{border-left:1px solid rgba(255,255,255,.14)}
.policy-highlights strong{display:block;margin-bottom:3px;color:#fff;font-size:14px;letter-spacing:0}
.policy-body{padding:68px 0 90px}
.policy-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:38px;align-items:start}
.policy-content{display:grid;gap:16px}
.policy-card{display:grid;grid-template-columns:48px minmax(0,1fr);gap:20px;padding:30px 32px;border:1px solid #e2e6ef;border-radius:20px;background:#fff;box-shadow:0 10px 35px rgba(24,37,76,.055)}
.policy-number{display:grid;width:48px;height:48px;place-items:center;border-radius:14px;background:#fff0e4;color:#e96c0b;font-size:11px;font-weight:800;letter-spacing:.08em}
.policy-card h2{margin:2px 0 11px;color:#18203a;font-size:21px;line-height:1.3;letter-spacing:-.025em}
.policy-card p{margin:0;color:#626b80;font-size:14px;line-height:1.85}
.policy-card p strong{color:#26304b}
.policy-aside{position:sticky;top:104px;display:grid;gap:14px}
.policy-summary{padding:30px;border-radius:22px;background:#111d4c;color:#fff;box-shadow:0 20px 50px rgba(17,29,76,.18)}
.policy-summary-label{display:block;margin-bottom:10px;color:#ff9a48;font-size:9px;font-weight:800;letter-spacing:.17em}
.policy-summary h2{margin:0 0 22px;color:#fff;font-size:23px;line-height:1.25}
.policy-summary ul{display:grid;gap:12px;margin:0 0 26px;padding:0;list-style:none}
.policy-summary li{position:relative;padding-left:21px;color:#d4dcf0;font-size:12px;line-height:1.6}
.policy-summary li:before{content:"✓";position:absolute;left:0;top:0;color:#ff943e;font-weight:800}
.policy-summary .btn{display:flex;width:100%;justify-content:center;padding:15px 18px;text-align:center}
.policy-related{display:block;padding:20px 22px;border:1px solid #e0e5ef;border-radius:17px;background:#fff;text-decoration:none;transition:transform .2s,border-color .2s}
.policy-related:hover{transform:translateY(-2px);border-color:#ff9a48}
.policy-related span{display:block;margin-bottom:6px;color:#8a93a6;font-size:8px;font-weight:800;letter-spacing:.15em}
.policy-related strong{color:#18203a;font-size:12px}
.policy-footer{padding-top:0}
.policy-footer .footer-bottom{min-height:110px}
@media(max-width:900px){.policy-hero{padding:132px 0 58px}.policy-grid{grid-template-columns:1fr}.policy-aside{position:static;grid-template-columns:1fr 1fr}.policy-related{align-self:stretch}.policy-highlights{max-width:none}.policy-body{padding:45px 0 65px}}
@media(max-width:620px){.policy-hero{padding:116px 0 48px}.policy-back{margin-bottom:25px}.policy-hero h1{font-size:38px}.policy-hero>div>p{font-size:14px}.policy-highlights{grid-template-columns:1fr;margin-top:30px}.policy-highlights span{padding:13px 16px}.policy-highlights span+span{border-left:0;border-top:1px solid rgba(255,255,255,.14)}.policy-card{grid-template-columns:1fr;padding:23px 21px}.policy-number{width:40px;height:40px}.policy-card h2{font-size:19px}.policy-aside{grid-template-columns:1fr}.policy-summary{padding:25px 22px}.policy-footer .footer-bottom{align-items:flex-start;gap:15px}.policy-footer .footer-bottom div{display:flex;flex-direction:column;gap:8px}}