.policy-article-main {
    position: relative;
    z-index: 1;
    padding: 26px 0 72px;
}

.policy-article-main::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 12% 10%, rgba(255, 178, 98, 0.1), transparent 24%),
        radial-gradient(circle at 86% 18%, rgba(238, 82, 54, 0.1), transparent 18%),
        linear-gradient(180deg, rgba(255, 255, 255, 0.01), transparent 28%);
    pointer-events: none;
}

.policy-article-shell {
    position: relative;
}

.policy-article-breadcrumb {
    display: inline-flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 18px;
    color: rgba(255, 255, 255, 0.62);
    font-size: 0.82rem;
    font-weight: 600;
}

.policy-article-breadcrumb a {
    color: rgba(255, 255, 255, 0.84);
    text-decoration: none;
    transition: color 0.22s ease;
}

.policy-article-breadcrumb a:hover,
.policy-article-breadcrumb a:focus-visible {
    color: #ffbf82;
}

.policy-article-hero,
.policy-article-card,
.policy-side-card,
.policy-info-panel {
    position: relative;
    border: 1px solid rgba(255, 255, 255, 0.08);
    background:
        linear-gradient(180deg, rgba(18, 18, 20, 0.96), rgba(8, 8, 10, 0.96));
    box-shadow: 0 18px 44px rgba(0, 0, 0, 0.24);
}

.policy-article-hero {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(280px, 0.9fr);
    gap: 20px;
    align-items: end;
    padding: 24px;
    border-radius: 24px;
}

.policy-article-hero__eyebrow,
.policy-info-panel__eyebrow,
.policy-side-card__eyebrow,
.policy-highlight-pill__label {
    display: inline-block;
    color: rgba(255, 196, 122, 0.92);
    font-size: 0.74rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.policy-article-hero h1 {
    margin: 10px 0 12px;
    max-width: 780px;
    color: #ffffff;
    font-size: clamp(1.48rem, 2vw, 1.92rem);
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.025em;
    text-wrap: balance;
}

.policy-article-hero__lead,
.policy-article-card__heading p,
.policy-info-panel p,
.policy-note,
.policy-process-note,
.policy-closing-copy {
    margin: 0;
    color: rgba(255, 255, 255, 0.84);
    font-size: 0.9rem;
    line-height: 1.72;
}

.policy-article-hero__highlights {
    display: grid;
    gap: 12px;
}

.policy-highlight-pill {
    padding: 14px 16px;
    border-radius: 18px;
    background:
        linear-gradient(135deg, rgba(246, 133, 62, 0.16), rgba(182, 57, 44, 0.12));
    border: 1px solid rgba(255, 177, 110, 0.14);
}

.policy-highlight-pill strong {
    display: block;
    margin-top: 6px;
    color: #ffffff;
    font-size: 0.96rem;
    font-weight: 700;
}

.policy-article-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.25fr) minmax(280px, 340px);
    gap: 22px;
    margin-top: 22px;
    align-items: start;
}

.policy-article-content {
    display: grid;
    gap: 18px;
}

.policy-article-card {
    padding: 22px;
    border-radius: 22px;
    scroll-margin-top: 132px;
}

.policy-article-card--closing {
    background:
        linear-gradient(180deg, rgba(24, 18, 14, 0.98), rgba(10, 8, 8, 0.98));
}

.policy-article-card__heading {
    display: grid;
    grid-template-columns: 44px minmax(0, 1fr);
    gap: 14px;
    align-items: start;
    margin-bottom: 18px;
}

.policy-article-card__index {
    width: 44px;
    height: 44px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 14px;
    color: #ffe1be;
    font-size: 0.96rem;
    font-weight: 800;
    background:
        radial-gradient(circle at 30% 30%, rgba(255, 194, 119, 0.24), transparent 58%),
        rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
}

.policy-article-card__heading h2,
.policy-info-panel h3 {
    margin: 0;
    color: #ffffff;
    font-weight: 800;
    letter-spacing: -0.02em;
}

.policy-article-card__heading h2 {
    font-size: clamp(1.12rem, 1.4vw, 1.34rem);
    line-height: 1.3;
}

.policy-info-panel h3 {
    margin-top: 8px;
    font-size: 1rem;
    line-height: 1.35;
}

.policy-check-list,
.policy-warning-list,
.policy-bullet-list,
.policy-step-list {
    margin: 0;
    padding: 0;
    list-style: none;
}

.policy-check-list {
    display: grid;
    gap: 12px;
}

.policy-check-list li,
.policy-warning-list li,
.policy-bullet-list li,
.policy-step-list li {
    position: relative;
    color: rgba(255, 255, 255, 0.92);
    font-size: 0.89rem;
    line-height: 1.68;
}

.policy-check-list li,
.policy-warning-list li,
.policy-bullet-list li {
    padding-left: 28px;
}

.policy-check-list li::before,
.policy-warning-list li::before,
.policy-bullet-list li::before {
    position: absolute;
    left: 0;
    top: 1px;
    width: 20px;
    height: 20px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    font-size: 0.72rem;
    font-weight: 800;
}

.policy-check-list li::before {
    content: "✓";
    color: #c9f0d7;
    background: rgba(73, 168, 100, 0.22);
}

.policy-warning-list {
    display: grid;
    gap: 12px;
}

.policy-warning-list li::before {
    content: "!";
    color: #ffd4c5;
    background: rgba(211, 86, 54, 0.22);
}

.policy-bullet-list {
    display: grid;
    gap: 10px;
    margin-top: 14px;
}

.policy-bullet-list li::before {
    content: "•";
    color: #ffd8af;
    background: rgba(255, 180, 102, 0.12);
}

.policy-split-grid,
.policy-request-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

.policy-info-panel {
    padding: 18px;
    border-radius: 18px;
}

.policy-info-panel--positive {
    background:
        linear-gradient(180deg, rgba(17, 27, 20, 0.98), rgba(7, 10, 8, 0.98));
}

.policy-info-panel--negative {
    background:
        linear-gradient(180deg, rgba(29, 18, 18, 0.98), rgba(10, 8, 8, 0.98));
}

.policy-time-callout,
.policy-process-note {
    margin-top: 16px;
    padding: 14px 16px;
    border-radius: 16px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
}

.policy-time-callout strong,
.policy-time-callout span {
    display: block;
}

.policy-time-callout strong {
    color: #ffffff;
    font-size: 0.82rem;
}

.policy-time-callout span {
    margin-top: 5px;
    color: rgba(255, 255, 255, 0.86);
    font-size: 0.84rem;
    font-weight: 600;
}

.policy-refund-methods {
    margin-top: 16px;
}

.policy-refund-methods > span {
    display: inline-block;
    margin-bottom: 10px;
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.policy-chip-group {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.policy-chip {
    display: inline-flex;
    align-items: center;
    min-height: 34px;
    padding: 0 12px;
    border-radius: 999px;
    color: rgba(255, 255, 255, 0.92);
    font-size: 0.82rem;
    font-weight: 600;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
}

.policy-chip-group--closing {
    margin-bottom: 14px;
}

.policy-note {
    margin-top: 16px;
}

.policy-support-strip {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.policy-support-strip__item {
    padding: 18px;
    border-radius: 18px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    background: rgba(255, 255, 255, 0.03);
}

.policy-support-strip__item span {
    display: block;
    color: rgba(255, 255, 255, 0.68);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}

.policy-support-strip__item strong {
    display: block;
    margin-top: 8px;
    color: #ffffff;
    font-size: 1.02rem;
    font-weight: 800;
}

.policy-step-list {
    display: grid;
    gap: 10px;
    counter-reset: item;
}

.policy-step-list li {
    padding-left: 34px;
}

.policy-step-list li::before {
    content: counter(item);
    counter-increment: item;
    position: absolute;
    left: 0;
    top: 1px;
    width: 24px;
    height: 24px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    color: #ffffff;
    font-size: 0.75rem;
    font-weight: 800;
    background:
        linear-gradient(135deg, rgba(246, 133, 62, 0.28), rgba(182, 57, 44, 0.22));
    border: 1px solid rgba(255, 177, 110, 0.12);
}

.policy-article-sidebar {
    display: grid;
    gap: 16px;
    position: sticky;
    top: 120px;
}

.policy-side-card {
    padding: 18px;
    border-radius: 20px;
}

.policy-anchor-nav {
    display: grid;
    gap: 8px;
    margin-top: 12px;
}

.policy-anchor-nav a,
.policy-side-contact a {
    color: rgba(255, 255, 255, 0.9);
    font-size: 0.86rem;
    font-weight: 600;
    line-height: 1.5;
    text-decoration: none;
    transition: color 0.22s ease, transform 0.22s ease;
}

.policy-anchor-nav a:hover,
.policy-anchor-nav a:focus-visible,
.policy-side-contact a:hover,
.policy-side-contact a:focus-visible {
    color: #ffbf82;
    transform: translateX(3px);
}

.policy-side-contact + .policy-side-contact {
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.policy-side-contact span {
    display: block;
    color: rgba(255, 255, 255, 0.66);
    font-size: 0.76rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
}

.policy-side-contact a,
.policy-side-contact strong {
    display: block;
    margin-top: 6px;
}

.policy-side-contact strong {
    color: #ffffff;
    font-size: 0.88rem;
    font-weight: 700;
}

@media (max-width: 991.98px) {
    .policy-article-main {
        padding: 22px 0 56px;
    }

    .policy-article-hero,
    .policy-article-layout,
    .policy-split-grid,
    .policy-request-grid,
    .policy-support-strip {
        grid-template-columns: 1fr;
    }

    .policy-article-sidebar {
        position: static;
    }

    .policy-article-hero h1 {
        font-size: clamp(1.32rem, 3.9vw, 1.7rem);
    }

    .policy-article-hero__lead,
    .policy-article-card__heading p,
    .policy-info-panel p,
    .policy-note,
    .policy-process-note,
    .policy-closing-copy,
    .policy-check-list li,
    .policy-warning-list li,
    .policy-bullet-list li,
    .policy-step-list li {
        font-size: 0.84rem;
    }
}

@media (max-width: 767.98px) {
    .policy-article-main {
        padding: 18px 0 44px;
    }

    .policy-article-breadcrumb {
        gap: 8px;
        margin-bottom: 14px;
        font-size: 0.76rem;
    }

    .policy-article-hero,
    .policy-article-card,
    .policy-side-card {
        padding: 18px;
        border-radius: 18px;
    }

    .policy-article-hero h1 {
        font-size: clamp(1.16rem, 5vw, 1.4rem);
        line-height: 1.28;
    }

    .policy-article-card__heading {
        grid-template-columns: 38px minmax(0, 1fr);
        gap: 12px;
        margin-bottom: 16px;
    }

    .policy-article-card__index {
        width: 38px;
        height: 38px;
        border-radius: 12px;
        font-size: 0.84rem;
    }

    .policy-article-card__heading h2,
    .policy-info-panel h3 {
        font-size: 0.96rem;
    }

    .policy-highlight-pill strong,
    .policy-support-strip__item strong {
        font-size: 0.94rem;
    }

    .policy-anchor-nav a,
    .policy-side-contact a,
    .policy-side-contact strong {
        font-size: 0.82rem;
    }
}